Claims never seem to happen at a convenient time (i.e. holidays and weekends), so if your claim occurs after normal business hours, please follow these steps:

If it's an emergency, first call 911, then call us, The Clements Agency, or the Insurance Company's emergency number listed below. We will get back to you quickly.

We’ve listed the direct claim’s numbers for some of our insurance companies below.



Phone: 800-282-1446


Phone: 877-776-2436


Phone: 800-332-3226


Phone: 800-447-2295



Q. What’s the difference between an independent agency and a captive agency?

A. When you hear people talk about a ‘captive’ insurance agent or agency, they’re referring to one who offers the products of one specific insurance carrier. An Independent agent/agency is different in that the independent provides insurance from several different insurance carriers based on client-specific needs. Since the risks of individuals and businesses can vary greatly, having a variety of strong insurance companies from which to choose can help ensure you get the protection that’s right for you.

Q. I rent and I know my landlord has insurance, so why do I need insurance, too?

A. Unfortunately, this common misconception results in many renters discovering too late that their personal belongings are NOT covered in the event of a loss. Here’s the explanation: A landlord is the owner of the house or apartment that you rent. His insurance protects the physical building itself, as well as providing him protection against specific liability risks. However: his insurance does NOT cover your belongings. He cannot insure something he does not own; therefore it is the renters’ responsibility to protect his or her belongings from loss with renters insurance. Also: if someone is injured as a guest in your home or apartment, you could be liable, and renter’s insurance affords specific protection against such events.

Q. I’m young and healthy…shouldn’t I wait until I’m older to buy life insurance?

A. Other than the fact that no one can foresee the future, there are plenty of reasons to invest in life insurance today. Remember: young, healthy individuals are lost every day due to accidents and circumstances that no one could have ever predicted. The longer you wait, the more you’ll pay, as rates are predicated on your age at the time of purchase. Buying life insurance while you’re healthy is the best way to guarantee you’ll always have the protection you need. Should you contract a serious illness, you could be denied coverage when you and your family need it the most. Having life insurance in place today secures your family’s future tomorrow.

Q. I want to save money, so isn’t a good idea to only carry the state minimum required automobile coverage?

A. NO! This is one of the biggest mistakes auto owners can make. Consider that the average cost of a new car in 2010 was $28,400. State insurance minimum required coverage amounts for property damage are $10,000. Suppose you’re involved in an accident, found at fault and have to pay to replace a new vehicle that was totaled. Your coverage limit is $10,000…but let’s say the vehicle is worth $20,000. YOU are responsible for the $10,000 in excess of your policy limit. The same principle applies to bodily injuries that you could be liable for in the event of an auto accident. Minimum coverage is seldom adequate in the event of a serious accident, not to mention an accident in which multiple vehicles are involved. Settling for less to save a few dollars today could cost you thousands upon thousands of dollars tomorrow.

Q. It seems like lawsuits are rampant. Is there a way to get more liability insurance without breaking my budget?

A. The short answer is ‘yes’…with an umbrella liability policy. As the name suggests, an umbrella liability policy is there to protect you in stormy financial weather- in the case of a lawsuit against you or a family member. It typically provides protection up to the limits specified in the policy for the following:

  • Claims of bodily injury or property damage that are caused by either you or a member of your household
  • Claims of bodily injury that occur on your property or due to hazards on your property
  • Additional coverage above your auto policy for auto related liabilities
  • Protection against personal injury claims such as libel, slander, wrongful eviction and false arrest.
  • Costs for legal defense for a covered loss, including attorneys' fees and court costs

The umbrella liability affords you additional protection in excess of your homeowners, auto and other policies. This is an excellent, affordable solution for those who want additional liability protection.