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Cloverleaf Insurance Blog: insurance

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Your rental home itself belongs to your landlord. However, most of the possessions inside likely belong to you. It is these possessions that you could lose if damaging accidents occur in the home. That's why you need renters insurance. It usually contains coverage for your personally-owned belongings. READ MORE >>

We would like to focus our attention this month on summer activities and the additional risks, exposures, and opportunities they present. The summer months are known for increased activity, heightened travel, and as being a prime time for yard and home makeovers. READ MORE >>

Drivers who commit serious driving violations in Missouri might have to file for a Missouri SR-22 certificate. This is a form that essentially forces you to carry certain car insurance for an extended period of time. But, if you don't own a car, what is the point of getting this form? Why does it matter? READ MORE >>

Got plans to put on a great party? Got big plans for a party? Don’t forget to clean your walkway and steps of debris before the guests arrive. Slips, trips and falls may be the stuff of slapstick comedy, but in real life, such accidents can cause serious injuries. READ MORE >>

If you get a speeding ticket, or any other citation, you might have to let your Cloverleaf Insurance agent know about the infraction. In other cases, the authorities will automatically send the citation to the insurer. One thing is certain, however. When you get a ticket, your insurer will likely find out. READ MORE >>

Many know more about what's in their yogurt than what's in their auto insurance. Personal Auto Insurance: You're paying for it, but do you know what you're buying? Whether you drive in a big city or on a farm, your auto insurance policy will typically include several types of coverage. READ MORE >>

At Claim Time, Help Us Help You! Insurance often presents a conundrum for our clients: While everyone knows you need protection in case of a loss, no one wants to have that loss. But when, despite your best efforts or simply due to everyday driver craziness, events spiral beyond your contr... READ MORE >>

Distracted Driving Do you sometimes wonder at drivers focused on everything but the road? She’s testing on the beltway! He’s reading a map on his tablet behind that semi on I-55! She’s turned around, yelling at a child in the back seat and totally unaware of those flashing lights at the railroad crossing. READ MORE >>

When you get a driver's license, it is not a document that lasts permanently. At minimum, your license will expire after a period of years. Yet, even certain actions behind the wheel might cause you to lose your license. You might get a license suspension. In other cases, you could even face license revocations. READ MORE >>

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 >>

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