Clement Insurance

08/28/2026

💜 Soft, natural, and just a little wild.

The mix of crisp whites, fresh greenery, and those pops of purple gives this arrangement such a beautiful garden feel. 🌿✨

Sometimes the prettiest pieces are the ones that feel like they were just gathered from a summer meadow.

📍 210 Main Street, Belleville, MI
📞 734-697-7400
🌐 GardenFantasyOnMain.com

08/27/2026

Hey, can I borrow your car for an hour? 🔑🚗

It happens all the time, a relative visits from out of town, a neighbor needs to run to the store, or a friend takes a turn at the wheel during a long drive. But do you know what actually happens to your insurance if they get into an accident?

There’s a huge misconception that insurance follows the person driving. The reality? In Michigan, auto insurance follows the vehicle. If you lend your car to a friend and they get into a crash, your policy is the primary coverage. That means:

1️⃣ You are responsible for paying your collision deductible out of pocket.
2️⃣ The claim goes on your insurance record, which can impact your future rates.
3️⃣ If the damage exceeds your policy limits, your personal assets could be exposed.

Does this mean you can never lend your car?
Not at all! Standard policies usually cover permissive use for occasional borrowing. However, if someone in your household or a friend drives your car on a routine basis, they must be added as a listed driver on your policy. If they aren't listed, an insurer could deny the claim completely.

📞 Call us to review your policies (734) 699-1300.

08/24/2026

Extend roof life, improve energy efficiency, and help avoid costly repairs all with one simple task. Here's a step-by-step on how to remove roof debris.

Organic matter that’s stuck on your roof can do a lot of damage. It can also be [combustible if you live in a wildfire-prone](https://www.fema.gov/...

08/20/2026

Got a basement? Live near water? 🌧️

Here’s a stat that catches a lot of Michigan homeowners off guard: Standard home insurance policies do not cover water backup from drains or sewers unless you specifically add an endorsement.

When a spring storm or sump pump failure sends water into your basement, paying for those repairs out of pocket can cost upwards of $10,000.

At Clement Insurance, we don't just sell policies, we make sure you don't get hit with unexpected surprises when life happens.

📞 Call us directly: (734) 699-1300

08/17/2026

What can begin as a relatively small issue on a roof can rapidly escalate into a costly property loss and prolonged business interruption for property owners.

08/13/2026

Did you know that reviewing your auto and home insurance policies once a year can often uncover hidden discounts you’re missing out on? 🚗🏠

Life changes fast whether you've upgraded your home, added a new driver, or just want to make sure you aren't paying for coverage you no longer need. A quick 10 minute policy review can put money back in your pocket while ensuring you're fully protected when it matters most.
Let the local experts do the heavy lifting. We shop around so you don't have to!

📞 Give Clement Insurance a call today at (734-699-1300) or send us a direct message to lock in your quote and see how much you could save.

08/10/2026

if your wallet is lost or stolen, quick action can minimize damage. Follow steps to cancel cards, freeze credit and replace important documents.

If your wallet is lost or stolen, quick action can minimize damage. Follow steps to cancel cards, freeze credit and replace important documents.

08/06/2026

Heading back to school? 3 quick checks that could save your family hundreds this fall 📚🚗

If you have a student heading off to high school or moving into a college dorm this month, your coverage needs are shifting. Here’s how to make sure you aren't overpaying or leaving gaps in your policy:

1️⃣ Good Student Discount: Got a driver with a B average or higher? You could qualify for up to 15% off their auto rates.
2️⃣ Dorm & Apartment Protection: College dorm belongings are usually covered under your current home policy, but off-campus apartments require a low-cost renters policy to protect their tech and gear.
3️⃣ Distant Student Rate: Is your student leaving their car at home while away at campus? You may qualify for a significant rate reduction.