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Cloverleaf Insurance Blog: home insurance

View the latest blog posts from Cloverleaf Insurance.

Accurately pricing homeowners insurance is not simple. Determining the premium for your home involves mathematical calculation based on many factors history has shown may increase or decrease your chance of suffering a loss. Consider how the following rate factors may affect your premium: READ MORE >>

Your roof protects your entire home. A small area of damage can cause significant structural damage. Home insurance may help defray some or all of the costs associated with roof damage. However, you must properly maintain your roof for coverage to apply. Try and safely inspect your roof from time to time. READ MORE >>

The Wall Street Journal reports that the first quarter of 2017 consisted of numbers of new owner households doubling that of new renter households. This turn in the housing market is in large part due to the millennials. Contrary to the fears of older generations, the millennials are moving on from the days of renting, and exploring new opportunities in the housing realm. READ MORE >>

Valentines Day is right around the corner. And when love is in the air, the last thing you want to think about is home insurance. Fortunately, if you're proactive about home safety, you can focus on romance, without worrying about potential claims. Here are a few Valentines Day-related areas where a little precaution can go a long way. READ MORE >>

Many calendars and postcards display a picture of a winter snow-covered roof. But there is a downside to the beautiful snow: Ice Dams. Midwest residents with an abundance of snow may be familiar with the problem. An ice dam typically forms when snow melts on warm spots on your roof, and the water flows down to much colder areas, where it refreezes. READ MORE >>

I'm not the only one who doesn't want to share their home with eight-legged strangers. When those spiders crawling across my floor I feel like I need to check under every chair, table and rug for the rest of their families. Of course, most spiders are harmless, but that doesn't stop me from taking action when they start taking over my home. READ MORE >>

Burglaries can occur at any time of the day and any day of the week; however, it is important to note that according to an FBI Crime Report, 65% of residential burglaries were between 6 a.m. and 6 p.m. in 2011. What's even more astonishing is that nearly 400,000 burglaries occur in the U.S. READ MORE >>

Backyard fire pits have grown in popularity over the last several years. From a small metal bowl to an extravagant built-in outdoor fireplace, people have found there's something relaxing about sitting outside on a comfortable night and looking into those flickering flames. READ MORE >>

As a landlord, it can be time consuming to keep track of multiple insurance policies. More important, it can be costly if a policy lapses. That is why you may benefit from an insurance company that lets you group your properties onto one policy. The Rental Property And Landlord Specialist READ MORE >>

As you prepare to celebrate the upcoming holiday, some families choose to decorate with a Christmas tree. Many people love the look of a decorated tree so much that they put up several around the house. As you're getting ready to decorate your tree, follow these safety tips to keep your home and family safe. READ MORE >>

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