Insurance Buyers Guide | Insurance Offerings

Got two minutes? That’s all it takes to learn about our insurance offerings. No, seriously.

Clever Insurance Coverage Options

Auto

Having the right auto insurance protects you, your passengers, your assets, your car, and other drivers and passengers. Liability insurance is the most common form of mandatory coverage, but there are optional coverages that are definitely worth having. One often overlooked but extremely important coverage you should consider is underinsured motor vehicle coverage. This provides for recovery of injuries caused by motorists who do not have enough bodily injury liability coverage.

Renters

Renters insurance protects your stuff, you, your assets, and your guests. While renters don’t own their home, in many instances they can still be responsible if someone is injured in their home and they need liability coverage. Landlords aren’t usually responsible for your personal property either. That property can add up to a hefty price if it needs to be replaced because of a fire or theft. Schedule personal property to ensure your big ticket items are not overlooked by coverage limits. Pay attention to limits and schedule the big stuff!

Home

Home insurance protects your home, your stuff, you, your assets, and your guests. In many instances, our homes are one of the most expensive things we own. And, if you have a mortgage, you can bet your lender requires home insurance. When considering how much coverage to put on your home and all your belongings in your home, consider the dollar figure it would take to replace or rebuilt it all. When it comes to protecting your personal property, you might consider scheduling some individually to ensure that your big ticket items are not overlooked by coverage limits. Pay attention to limits and schedule the unique stuff! Home owners should also understand their liabilities. Home insurance coverage is there to protect you if you’re found liable for injury caused by an accident on your covered premises and more.

Life

Life insurance can serve many purposes including: replacing lost income, paying off a home mortgage or business loan, allowing your family to maintain a standard of living, paying off credit cards, auto loans and other debts, final expenses, estate planning, college funding, and more upon the passing of the covered person. One of the most common myths about life insurance is cost. Life insurance is super affordable for young, healthy folks. It’s best to not delay this important coverage.

More Options

Bundling with Clever is the best way to ensure you have the coverage you need and get the most savings. If you bundle auto, renters, and life, you’ll enjoy our Top Dog Discount that includes coverages like pet medpay, auto chip repair, and emergency road service. If you bundle two lines, you’ll receive our Big Dog Discount and save on your premium!

Here are some frequently asked questions from policy seekers like you.

At Clever, we have a suite of products to make your life easier. Get all your insurance together with Clever. In the auto insurance category, we cover: cars, trucks, SUVs, and vans. Clever’s renters insurance is versatile. Whether you rent a single family home (like a house), an apartment, or a multi-family home (like a condo), you only pay for what you need at Clever. Life insurance at Clever is straightforward and simple. After all, life insurance is all about protecting you and your loved ones, so it needs to make sense for YOU.

Ooops. Accidents happen, and we get that. Your policy will not cancel right away. You will receive notification that your policy is going to cancel for non-payment. Contact a Clever expert or get your payment in before your grace period ends to keep your coverage.

Claims can be confusing and seem daunting. We totally understand. We are here to help you from beginning to end. The easiest way to report your claim is through our 24/7 self-serve Clever Claim Center.

Most changes can be handled through your customer account. For more complicated changes that may affect premium or overall insurance plans, the fastest and best way is to contact a Clever Expert directly. We’ll get your policies where they need to be to protect you and offer the most savings.

We hope you’ll love your coverage so much, you don’t cancel. If you need to cancel your policy, give our Clever Experts a call and we will take care of everything. It’s not a good idea to cancel your policies by letting them lapse for non-payment as it could influence future insurability.

It’s always a good idea to review your insurance policies. At Clever, we post them conveniently for you on our Policy Forms page.

A deductible is the amount that the policy holder is responsible for before an insurance provider will pay any claim expenses. And yes, you definitely get a say in the matter. The higher the deductible you choose, the lower your premium will be. The lower the deductible you choose, the higher your premium will be.

You can get a quote for auto insurance on Clever’s website in as little as 5 minutes. If you add more lines like renters, home, or life insurance, it may take a little more time to complete the quote process, but typically you can get a quote for all three lines in as little as 15 minutes.

Nearly every state in the USA requires some kind of auto insurance in order to legally drive, but types and limits vary by state. Visit your state government’s transportation website to stay in-the-know on mandatory insurance.

It’s just not a good idea. If you’re caught driving without insurance, there’s a range of consequences you could encounter. You could be forced to pay a fine, spend some time in jail, and if you’re in an accident, you may get sued for damages.

At Clever, bundling your insurance with us will offer the most savings on your premiums. Our Big Dog Bundle gives you discounts when you combine any two different lines of insurance; while our Top Dog Bundle gives you even greater discounts when you combine three lines of insurance – Auto, Renters or Home, and Life. Plus, our Top Dog Bundle comes with perks like: pet medpay, emergency road service, and windshield chip repair. Premiums across the board tend to be lower when you keep a clean driving record, maintain good credit, and choose a higher deductible.