Clark & Company - INSURANCE AGENCY
 
Personal Insurance
 
Personal insurance products from Clark & Company Insurance Agency provide our customers with protection for their homes, automobiles and personal possessions, along with personal liability coverages.
How we serve you is as important as what we provide. First, we listen to you, then we discuss your needs and answer your questions. Next, we look at both your short-term and long-term objectives and help put your insurance needs in perspective.
 
Clark & Company Insurance Agency provides the following types of personal insurance protection:
 
AUTOMOBILE
AUTOMOBILE
Auto insurance liability section covers your financial responsibility for injuring others and is required by law in both TN, GA and most other states.

Physical damage to the auto is covered under: comprehensive coverage for losses from glass breakage, storm damage, fire, theft, vandalism, hitting an animal and other perils; collision coverage pays to repair damages caused by an accident with fixed objects, other vehicles, single car accidents and more. There are also ancillary medical, car rental, towing and other coverages which vary by state.

Clark & Company also has insurance available for people without prior insurance, those who need non-owners & instant issue SR22 certificates.
HOMEOWNERS
Protect your investment.
A Homeowners policy should pay to replace your dwelling, other structures and any of your personal property that is destroyed in a fire or other disaster, unless you choose an Actual Cash Value policy. The Homeowners also provides coverage for someone who is injured at your home.

There are also additional included coverages and optional coverages. Some are Identity Theft, Back Up of Sewage/Drains, Earthquake.

Some even offer coverage for Mechanical Breakdown for electrical equipment & appliances. This is similar to having a home warranty built into the homeowners.
HOMEOWNERS
Renters
Renters
As a renter, you need to protect your personal property against theft and damage from fire, water, wind and other perils.

Renters insurance can help protect you in case of a liability lawsuit against you in a situation where you are held responsible for:

•Injury to another person
•Damage to another person's property
Whether the incident occurred within your rented residence, or elsewhere.
MANUFACTURED HOME
A manufactured home poicy should do two things:
•It should pay for certain kinds of accidental damage to your home, belongings, or other structures. Common examples of events that cause physical damage to your property include fire, wind, vandalism, and falling objects.
•It should protect you against claims or lawsuits filed against you by people who are accidentally hurt by your actions or because of your activities. Claims might include medical expenses, lost wages, pain and suffering, and even property damage. Liability coverage should also help you pay for your defense in the event of a lawsuit.

Most mobile home insurance policies provide these two basic kinds of coverage. However, the amount and degree of coverage can vary dramatically from one policy to another. That’s why it’s so important to compare policies before buying. .
MANUFACTURED HOME
Antique Auto
Antique Auto
We offer collector and classic car insurance. Our policy is customized to the unique needs of collector vehicle owners and offers better coverage than a standard auto policy. Unlike conventional coverage, a Guaranteed Value policy ensures that you receive every cent of your car’s insured value in the event of a covered total loss.

Additional Coverage
You can customize your policy based on your specific needs and involvement in the hobby by adding additional coverage for:
Spare Parts
Automotive Tools
Automobila
Business Use
Vehicle Under Construction
Traveling Collectors
Surety Bonds
Motorcycle
Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance for your motorcycle.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident.

At Clark & Company have a variety of motorcycle policy options to meet your needs.
Motorcycle
Watercraft
Watercraft
Boat insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons.

Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments and physicall damage. Availability varies by state and by insurance company.

Personal watercraft, such as jet skis and wave runners are fun but, it is important that you have insurance for them too.
Flood
Many people find out too late they are at risk for flooding, and even worse, that their property insurance does not cover flood damage. In fact, according to the National Flood Insurance Program, flooding occurs in every state and 25% of all floods occur in low-to-moderate risk areas.

Travelers, a participant in the federal government's National Flood Insurance Program, is one of the largest providers of flood insurance in the country.

Travelers Flood Insurance Offers You:

Building Coverage. Covers damage to your dwelling and items such as the furnace and water heater.
Contents Coverage. Covers your furniture, rugs, appliances, and clothing (subject to limitations in basement areas).
Property Protection. Pays for sandbagging and other expenses for preventing flood damage.
Clean-Up Reimbursement. Covers costs of cleaning your home and removing debris after a flood.
Flood
Personal Umbrella
Personal Umbrella
You don't have to be a millionaire to be sued like one.

Umbrella policies offer inexpensive "peace of mind" for most types of negligence claims. Automobile accidents are probably the most common source of serious claims. This policy supplements your basic automobile liability with extra million-dollar layers of protection. It also covers other types of catastrophic claims such as a neighbor's child drowning in your pool or the delivery man being seriously injured by falling over your child's toys
RV & Recreation Vehicles
As much as you expend efforts to purchase your dream motor home, it is important to select appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your motor home obtains maximum coverage and protection. It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile.
RV & Recreation Vehicles
Valuable Items
Valuable Items
Your possessions may be more valuable than you realize. Most homeowners policies offer limited coverage for personal articles such as jewelry, cameras, golf equipment, fine art and collectibles, and computer equipment. We can provide the additional protection you need.

A variety of property may be covered by valuable items coverage.

•Artwork
•Baseball cards
•Books
•Coins
•Computer equipment
•Firearms
•Furs
•Golf equipment
•Jewelry
•Memorabilia
•Musical instruments
•Oriental rugs
•Silverware
•Stamps