Category: Home Insurance

Protecting Your Home Through The Seasons

Blazing sun, sub-zero temperatures, or any extreme weather conditions can wreak havoc on your home. Seasonal maintenance can go a long way toward preserving the condition of your home. The following are home maintenance checklists for winter, spring, summer, and fall. Winter Home Maintenance Vacuum HVAC registers to remove dust and debris. Flush out water heater to remove built-up sediment. Clean refrigerator coils. Check caulking... Read Article

Do I Need Flood Insurance?

You might think you don’t need flood insurance if you live in an area that is considered “high and dry.” Although some areas are more susceptible to flooding than others, flooding can occur anywhere. With heavy rains, spring thaws, or rapid accumulation of rain after a wildfire, flooding can occur in places that are not generally considered at risk. How Does Flood Insurance Differ from... Read Article

Homeowners Insurance: When Do You File a Claim?

Homeowners insurance is designed to cover damage to your property caused by certain covered events. It stands to reason, as you are paying your premiums, you should take advantage of available coverage. The reality is, it is not always advisable to file a homeowners insurance claim as it can lead to higher premiums or even cancellation in some cases. Underwriters tend to frown on policyholders... Read Article

Gardening in Bloom: Tips to Beautify Your Home with a Garden

If you are looking to increase the aesthetic value of your home, it is important you take the time and effort to make improvements that do not add significant, long-term costs to you or future owners of the home. Having a garden filled with flowers, plants or even vegetables and herbs is one of the most cost-effective ways to beautify your home and add to its beauty... Read Article

Why It is Important to Review Your Insurance Policies on a Yearly Basis

Insurance policies are living documents. They can, and should be, changed periodically to accommodate changes in circumstances and needs of the policyholder. At Clement Insurance Agency in Houma, Louisiana, our agents can assist you with an annual review of your home, auto, and life insurance policies to help ensure you have the coverage you need without paying more than you need to. Reasons to Review... Read Article