75th anniversary

Clark Insurance Mythbusters!
At Clark Insurance we’ve spent years learning the ins and outs of insurance, and we'd like to share what we consider some of the top myths about your insurance.


Myth #1
My homeowner policy automatically covers flood damage.

busted graphic No it does not. It should be more commonly known that flood insurance must be purchased separately. Contact us for further information and assistance with flood insurance.

Myth #2
I’d have to be a millionaire to be sued for a million dollars. That couldn’t happen to me.

busted graphicNot true. Third party damages can be awarded based on court outcomes. You can be protected. An umbrella is an easy and inexpensive way to help protect you from catastrophic situations that may occur as the result of automobile accidents and other liability situations.

Myth #3
Earthquake insurance comes with my homeowner policy.

busted graphic No, not true. Discuss with an agent as coverage can be purchased under your homeowner policy by endorsement.

Myth #4
My collectibles, jewelry, precious metals, guns and cash are covered under my homeowner policy for full value.

busted graphicNo! The basic homeowner policy extends set limits under the policy contract. An agent can help you to understand if additional coverage will need to be purchased to fully cover these items in a loss situation.

Myth #5
Sewer and drain backup are covered automatically under my homeowner policy.

busted graphicNo again! Coverage is not automatically provided under the basic homeowner policy. However, this coverage can be specifically added to your homeowner insurance policy by endorsement. Talk to your Clark agent for further details and various limits of coverage available.

Myth #6
Anyone who operates my vehicle is automatically covered under every automobile policy, no problem.

busted graphicNot necessarily. Coverage limitations may exist depending on the carrier and policy language. Please discuss with your local agent for further information and policy limitations and exclusions.

Myth #7
My vehicles - licensed and unlicensed - are always covered for full value under my personal homeowner policy.

busted graphicNot always. Homeowner policies have various limitations and specific exclusions for vehicles, recreational vehicles, motorcycles, golf carts, dune buggies, etc. Please consult an agent to make certain that your vehicles are properly covered for liability and physical damage.

Myth #8
My Clark agent is a trusted advisor, and is available to answer my questions.

fact graphicGuaranteed! Everyone at Clark Insurance really cares about protecting you, your family and your home. Call us anytime with your questions... we’re always here for you!