Home Insurance

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Home Insurance

Safe haven – home is where you build your strongest support system and create memories with them. However, this may be interrupted if your home is not sufficiently protected. Who protects your home the same way it protects you?  

Homeowners insurance should help you cover expenses on repairs of your home, replacement of your personal belongings, payment for your additional living costs if you’re temporarily unable to live in your home, and protection of your financial assets on condition of liability to others. Let your home be the shelter of all storms at all times by choosing the right coverage.

Various reports say that the average premium of homeowners insurance ranges from $1,680 – to $1,899 annually. However, coverage rates vary due to several factors such as the state laws, location of your home, and repair costs. Here are the typical coverages for home insurance:

Dwelling Coverage can help repair or replace your home that was damaged by a covered cause of loss. This coverage pays for the structure of your home, installing fixtures, and permanently attached appliances.

Additional Living Expense Coverage can help pay for costs that exceed your usual expenses such as a hotel or temporary rental fees, restaurant bills, or boarding costs for a pet while you’re unable to live in your home due to a covered loss. 

Personal Property Coverage can help reimburse your personal belongings that are damaged or totally destroyed by a covered cause of loss. 

Liability Coverage can help pay for medical expenses and repair costs in case you accidentally caused injuries to others or damaged their property.

Other Structures Coverage can help protect structures that are not permanently attached to your homes such as detached garages, fences or pools.

Apart from these standard coverages, you can also have additional coverage such as flood insurance, landlord insurance, and mobile home insurance.

Other Insurances

Auto Insurance

Confidently sit behind that steering wheel. You can check our offers and compare them with others.

Commercial Insurance

Protect your investment and stay in the business even after a loss. We have a variety of options for all businesses.

Life Insurance

Protect your family’s peace of mind. Tomorrow is never guaranteed so protect yourself and your loved ones.

Our Customers

I was very lucky to have Mr. Casey Clem as my insurance agent. He was very professional and not aggressive. He did a great job finding a policy that would work for me. He took into consideration all of my wants and needs in finding the right plan. He came to my home and we were personally able to discuss the different types of insurance and were successful in choosing the right one for me. When I had concerns he was very patient and explained things so that I could understand them. I would definitely recommend Mr. Clem to anyone needing to find insurance for themselves or their family.”

Shannon Arnold

“Casey is experienced in helping you find the best policy for your needs. Very professional and really caring for the people he helps. Casey and his team will take great care of you. Highly recommend it.”

Timothy Hamilton

” Casey helped me get a better plan with better coverage! If you need an agent, Casey is a good one!”

Elizabeth Patterson

“Casey helped me get more coverage for less money. He was very knowledgeable about all the options available and helped me pick the right plan. Thanks, Clem Insurance Group!”

Janice Rucks

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