Clayton Hanley Insurance Blog

Common Insurance Mistakes Young Families Make

Mon, 15 Jun 2026 15:30:01 GMT

Starting and growing a family comes with many exciting milestones, but it also brings new responsibilities and financial risks. Between busy schedules, growing expenses, and changing priorities, insurance coverage is often overlooked. Unfortunately, small gaps in coverage can create major problems when the unexpected happens.

Keeping the Same Coverage for Too Long

Many young families continue using the same insurance policies they had before getting married, buying a home, or having children. As life changes, insurance needs often change as well. Coverage that worked a few years ago may no longer provide enough protection today.

Underinsuring Personal Property

Families tend to accumulate furniture, electronics, appliances, toys, and other belongings quickly. Many people underestimate the total value of their personal property until they experience a major loss. Creating a home inventory can make it easier to understand how much coverage may be needed.

Choosing Coverage Based Only on Price

It is natural to want affordable insurance, especially with the expenses that come with raising children. However, choosing the lowest-priced policy without understanding the coverage can lead to unexpected out-of-pocket costs later. Deductibles, liability limits, exclusions, and coverage options all matter.

Not Updating Beneficiaries

Life insurance and other financial accounts often require beneficiary updates after major life events such as marriage or the birth of a child. Forgetting to review this information can create complications later and may not reflect your current wishes.

Many young families delay purchasing life insurance because they assume it is too expensive or unnecessary. In reality, life insurance can help provide financial stability for a spouse or children if something unexpected happens. Policies are often more affordable when purchased at a younger age.

Ignoring Liability Protection

As families grow, liability risks can increase as well. Owning a home, hosting guests, having pets, or adding teenage drivers can all increase exposure to liability claims. Reviewing liability limits and discussing umbrella insurance may be worthwhile for some families.

Forgetting to Review Coverage Regularly

Insurance should not be treated as a one-time purchase. Families often experience changes in vehicles, income, home value, and lifestyle over time. Regular policy reviews can help identify gaps and ensure coverage continues to match current needs.

Insurance may not always be top of mind during busy stages of life, but having the right coverage in place can help provide peace of mind and financial protection for your family. Taking a little time to review your policies now can help prevent larger problems later.

Factors That Impact Your Car’s Resale Value

Fri, 15 May 2026 15:30:01 GMT

A vehicle is one of the larger purchases most people make, and its value changes over time. While some depreciation is expected, certain factors can influence how much your car is worth when it comes time to sell or trade it in.

Understanding what affects resale value can help you make informed decisions throughout ownership and maintain as much value as possible.

Mileage and Usage

Mileage is one of the most significant factors in determining a car’s resale value. In general, vehicles with lower mileage tend to sell for more because they are perceived to have less wear and tear.

How the vehicle is used also matters. Consistent highway driving may be viewed more favorably than frequent short trips or stop-and-go city driving, which can place more strain on certain components over time.

Vehicle Condition

The overall condition of your vehicle plays a major role in how it is valued. This includes both cosmetic and mechanical condition.

Exterior factors like paint quality, dents, and scratches can affect buyer perception. Interior condition, including upholstery, odors, and general cleanliness, also contributes to value.

Routine maintenance is equally important. A well-maintained vehicle with documented service history is typically more appealing to potential buyers.

Maintenance and Service Records

Keeping detailed records of oil changes, inspections, and repairs can support your vehicle’s resale value. These records show that the car has been cared for and can give buyers more confidence in its reliability.

Missing or inconsistent service records may lead to questions about how well the vehicle has been maintained.

Vehicle History

A vehicle’s history can influence its resale value in several ways. Prior accidents, title issues, or major repairs may lower the value compared to a similar vehicle with a clean history.

Even when repairs are completed properly, buyers often consider the overall history when evaluating a vehicle.

Make, Model, and Market Demand

Some vehicles hold their value better than others due to brand reputation, reliability, and demand in the used car market.

Popular models with strong reliability records often retain value longer, while less common or less in-demand vehicles may depreciate more quickly.

Fuel efficiency, safety features, and technology can also influence how desirable a vehicle is over time.

Modifications and Customization

Aftermarket modifications can affect resale value in different ways. While some upgrades may appeal to certain buyers, others may limit your pool of potential buyers.

In many cases, keeping a vehicle close to its original condition helps maintain broader appeal when it is time to sell.

Keeping Long-Term Value in Mind

While resale value is not the only factor to consider when owning a vehicle, it can influence long-term costs. Simple steps like regular maintenance, careful driving, and keeping records organized can help preserve value over time.

Your auto insurance coverage can also play a role in protecting your investment, especially in situations involving damage or loss. Contact us today to review your coverage and make sure your vehicle is properly protected.

Do you need ATV insurance?

Wed, 29 Apr 2026 15:48:14 GMT

Whether you’re tearing up muddy trails or using your four-wheeler for hunting or trail riding, your ATV is more than just a "toy"—it’s a major investment.

But before you rev that engine, ask yourself: Is your ride actually protected?

Many riders assume their homeowners' or auto policies have them covered. Or that you don't need insurance because you 'Only let family ride the ATV'. Unfortunately, that’s a common misconception that can lead to a financial nightmare.

Why Your Homeowners Policy Isn’t Enough A standard homeowner's policy might offer limited protection while your ATV is parked in your garage, but that coverage often disappears the moment you leave your driveway. For real protection on public lands, state parks, or even your neighbor's property, you need a dedicated policy.

Essential Coverage for Every Rider A tailored ATV policy provides a safety net for several high-risk scenarios:

Liability Protection: If you accidentally injure someone or damage their property (like a fence or shed) while riding, this helps cover their medical bills and repair costs.
Collision Coverage: Accidents happen. This helps pay to repair or replace your ATV if you hit another vehicle or a stationary object like a tree.
Comprehensive Coverage: Protects your investment against non-collision threats like theft, fire, vandalism, or even damage from a fallen tree.
Custom Parts & Gear: Have you added a winch, custom lighting, or high-end racks? We can often include coverage for those expensive aftermarket upgrades and your riding gear.

What’s Actually Included in an ATV Policy? Think of ATV insurance as your "trail armor." A standard policy from our agency can be customized to include:

Liability Coverage: This is the big one. It protects you if you’re held responsible for someone else’s injuries or property damage. Many public parks and trails won't even let you off the trailer without proof of this coverage.
Comprehensive & Collision: If you hit a tree, another rider, or a fence, Collision helps pay for the repairs. Comprehensive steps in for the things you can’t control—like theft, fire, vandalism, or a storm.
Medical Payments: This helps cover medical bills for you and your passengers if there’s an injury on the trail.
Uninsured/Underinsured Motorist: Not every rider is as responsible as you. If someone hits you and they don't have insurance, this coverage ensures you aren’t stuck with the bill.

Why You Shouldn't Skip It (Even if it’s "Optional") In many states, the law doesn't force you to buy insurance—but that doesn't mean you're off the hook.

Lender Requirements: If you are financing or leasing your UTV or quad, your lender will almost certainly require you to carry full physical damage coverage to protect their investment.
Asset Protection: Without liability insurance, a single accident could lead to a lawsuit. Between legal fees and settlement costs, you could be paying out of pocket for years.
Peace of Mind: You bought your ATV to escape the stress of daily life, not to add to it. A policy ensures that a bad day on the trail doesn't turn into a financial disaster.

Let Us Build Your Safety Net Don't wait until you're staring at a repair bill or a legal notice to wonder if you’re covered. Our team knows the local trails and the specific risks you face. We’ll shop around to find you a policy that fits your budget and your riding style. Give us a call today! We’ll give you a quick, no-pressure quote so you can get back to what matters: riding with total peace of mind.

Clayton Hanley 314-487-2921 or email main [at] claytonhanley [dot] com

Safeco to Liberty Mutual

Wed, 29 Apr 2026 05:00:00 GMT

Effective April 25th Safeco will be Liberty Mutual

NEWS FLASH - Liberty Mutual acquired Safeco in 2008, and this is simply a brand consolidation - it won't change your coverage.

I am still your agent - nothing about our relationship changes. Same great people helping you. Just a phone call, email or text away.

Your current policy, coverages, discounts and benefits will remain the same. Any future changes to premiums or coverages will follow the standard renewal process.

You don't need a new ID card. You'll receive a Liberty Mutual-branded ID card when your policy renews after the brand change.

Future renewals and communications will show the Liberty Mutual name; billing and payment information will transfer automatically.

RightTrack Users

Keep using the Safeco RightTrack app until you're notified. You'll get an in-app prompt when it's time to switch; driving history, scores, Accident Assistance will transfer. Safe driving discounts will be applied after your 90-day participation period ends. Want to try RightTrack for additional discounts? Contact us

FUN FACT

The 'Safeco' name was originally an acronym for "Selective Auto and Fire Ensurance Company of America'. It was later stylized from SAFECO to Safeco around the turn of the century

Timeline

Safeco began as the General Insurance Company in 1923, founded by Hawthorne K. Dent in Seattle.

1923: General Insurance Company of America Founded

1925: Formed General Casualty Company of America

1946: Clayton Hanley becomes Appointed with General Casualty Company of America

1953: Launched the 'Selective Auto and Fire Ensurance Company of America (shortened to SAFECO)

1968: Parent company rebranded to Safeco Companies

2008: Acquired by Liberty Mutual, through it continued to operate under the Safeco brand.

2026: Safeco is rebranded to Liberty Mutual

We are here for questions, and you can read this FAQ for more information. https://www.safeco.com/libertymutual

We are Clayton Hanley Insurance Service and would love to help you with your insurance needs. We offer auto, home, truck, SUV, boat, motorcycle, UTV, ATV, travel trailer, camper, and classic car insurance policies in Missouri and Illinois.

Big News!!!!

Wed, 22 Apr 2026 14:19:18 GMT

How to Extend the Life of Your HVAC System

Wed, 15 Apr 2026 15:30:01 GMT

Your HVAC system is one of the hardest working systems in your home. It runs through freezing winters, humid summers, and everything in between. Because it operates year round, small maintenance habits can make a major difference in how long it lasts. With the right care, many systems can run efficiently for 15 to 20 years.

Here are some practical steps every homeowner can take to extend the life of their HVAC system.

Change Your Air Filters Regularly

One of the simplest and most important tasks is changing the air filter. A clogged filter restricts airflow, forcing the system to work harder than necessary. This increases wear on components and reduces overall efficiency.

Most homes benefit from replacing filters every one to three months. Homes with pets, allergies, or higher dust levels may need more frequent changes. Setting a calendar reminder can help you stay consistent.

Schedule Annual Professional Maintenance

Even if your system seems to be working fine, an annual inspection is essential. A licensed technician can check refrigerant levels, inspect electrical connections, clean coils, and identify small problems before they turn into expensive repairs.

Preventive maintenance improves efficiency, lowers energy bills, and reduces the risk of unexpected breakdowns during extreme weather when your system is under the most strain.

Keep the Outdoor Unit Clear

The outdoor condenser unit needs proper airflow to operate efficiently. Clear away leaves, grass clippings, and debris regularly. Trim shrubs and plants so there is at least two feet of open space around the unit.

During winter, make sure snow and ice are not blocking ventilation. A simple visual check every few weeks can prevent unnecessary strain on the system.

Seal and Insulate Your Home

Your HVAC system works harder when your home loses conditioned air. Seal gaps around doors and windows, inspect ductwork for leaks, and ensure your attic is properly insulated. Improving your home’s energy efficiency reduces the workload on your heating and cooling system.

The less strain your system experiences, the longer it is likely to last.

Use a Programmable or Smart Thermostat

A programmable or smart thermostat helps regulate temperatures more efficiently. Adjusting settings for when you're away from home prevents the system from running continuously at full capacity. Gradual temperature changes are also easier on the equipment than dramatic swings.

Over time, consistent and controlled usage can significantly extend the lifespan of your HVAC system.

Know When It's Time to Upgrade

Even with excellent care, no HVAC system lasts forever. If repairs become frequent, energy bills rise sharply, or your home struggles to stay comfortable, it may be time to consider replacement. Planning ahead allows you to make a thoughtful decision rather than reacting to an emergency failure.

While you are reviewing your HVAC system and making improvements to your home, it is also a good time to review your homeowners insurance coverage. Major systems like heating and cooling equipment represent a significant investment. Contact us today to make sure your coverage aligns with the current value and condition of your home.

Make good choices....

Mon, 30 Mar 2026 21:11:08 GMT

Your personal choices can, and will, affect those around you.

What to Do if You Hit a Deer While Driving

Sun, 15 Mar 2026 15:30:00 GMT

Hitting a deer can be a startling and dangerous experience, especially if it happens unexpectedly on a quiet road or at high speed. Unfortunately, these incidents are fairly common, particularly in areas with high wildlife populations or during certain times of the year when deer are more active. Knowing what to do after the collision can help protect your safety, reduce stress, and make the aftermath easier to manage.

The first step is to make sure you and your passengers are safe. Check for injuries and call 911 if anyone is hurt. Turn on your hazard lights, and if your car is still drivable, move it to the side of the road. Stay inside the vehicle if you're near traffic and wait for help to arrive. If the crash is serious or your car can’t be moved, use cones or flares if you have them to warn oncoming traffic.

Do Not Approach the Deer

It may be tempting to check on the deer, but you should never approach an injured or stunned animal. Even if it appears still, it could react suddenly and cause injury. Instead, contact local law enforcement or animal control to report the accident. They can respond to the scene and handle the situation safely. A police report may also be helpful when filing your insurance claim.

Call Your Insurance Company

Take photos of the damage to your vehicle, the surrounding road conditions, and the deer if it is still visible. Write down the time, location, and any relevant details, such as weather conditions or nearby landmarks. If there are any witnesses, get their names and contact information. Clear documentation will make the claims process much easier and help support your case if needed.

After ensuring safety and reporting the incident, contact your insurance carrier as soon as possible. Most comprehensive auto policies cover collisions with animals, but it's still a good idea to confirm your specific coverage. Keep your photos, notes, and police report handy. If your policy is with us, we can guide you through the next steps and help with any questions along the way.

Prepare for the Future

While it's impossible to prevent every accident, you can take steps to minimize the risk of future wildlife collisions. Stay alert, especially at dawn and dusk. Use your high beams when safe to do so, and scan the sides of the road for movement. Keep your speed reasonable in wooded or rural areas where deer are common.

It’s also wise to have a stocked emergency kit in your car. Include items like a flashlight, reflective warning triangles, first aid supplies, a phone charger, a water bottle, and a thermal space blanket to stay safe and comfortable in case you’re stuck waiting for help. Being prepared can make a difficult situation a lot more manageable.

If you’ve been in a collision or want to make sure your current coverage aligns with your needs, contact us today to review your auto insurance policy. It's a good time to ensure your insurance is current and that your policy fits your driving habits and risks.

Don't be a grocery dropper

Sun, 15 Mar 2026 05:00:00 GMT

Have you ever been a grocery dropper? Trying to do it all by yourself? Or do you make a bunch of trips back and forth.

With insurance you don't have to do either. Don't make a bunch of phone calls trying to find the right insurance agent. Look no further, call Clayton Hanley and let us do the shopping for you. Make a choice you won't regret.

#ClaytonHanley #TheInsuranceLady #Foremost #AutoInsurance #NewHomePurchase

How to Childproof Your Home: Safety Tips for New Parents

Sun, 15 Feb 2026 15:30:01 GMT

Bringing a new baby home is exciting, but it also means taking a fresh look at your living space through the eyes of a curious child. As babies grow and become more mobile, they naturally want to explore their environment. Everyday objects and furniture that once seemed harmless can become serious hazards. A few thoughtful changes now can make your home safer and give you peace of mind.

Secure Furniture and Heavy Items

Children love to pull, climb, and test their limits. That’s why it’s important to secure anything that could fall or tip over. Dressers, bookcases, and televisions should be anchored to the wall with brackets or straps. Avoid placing toys, remotes, and other tempting items on top of high furniture to prevent climbing. As part of your regular home maintenance routine, check those anchors to ensure they remain tight and stable.

Use Safety Gates and Latches

Safety gates are one of the most effective ways to limit access to danger zones. Install hardware-mounted gates at the top of stairways for the best security, and use pressure-mounted gates elsewhere. Latches on kitchen and bathroom cabinets help prevent access to sharp objects or cleaning supplies. Don’t overlook toilet lid locks, either. These simple tools can make a big difference as your child becomes more mobile.

Cover Electrical Outlets and Edges

Outlet covers are essential in any home with young children. Choose sliding or self-closing options to protect against curious fingers. For furniture with sharp edges, such as coffee tables or fireplace hearths, install corner protectors or padding. These precautions soften the impact if your child stumbles and reduce the risk of injury.

Watch for Small Objects and Choking Hazards

If an item can fit through a cardboard toilet paper roll, it’s a choking risk. Be vigilant about clearing small objects from floors, shelves, and tables, especially if you have older children with small toys or craft supplies. Designate a separate area for baby-safe toys and playtime, and teach siblings to store their items safely out of reach.

Lock Up Cleaning Supplies and Medications

Store all medications, vitamins, and household cleaners in cabinets or drawers that are locked or out of reach of small children. Even natural products can be dangerous if ingested. Choose strong childproof locks and avoid leaving these items out on countertops or open shelving. If possible, store hazardous items in a room that children do not have access to.

Don’t Forget About Windows and Doors

Install window stops or guards to limit how far windows can open. Move furniture away from windows to discourage climbing. Use door knob covers or locks to keep little ones from wandering into unsafe rooms. For added safety, place pinch guards on door hinges to protect small fingers from injury.

Make Your Home Safer and Smarter

Smart home technology can support your childproofing efforts. Motion-activated nightlights, smart door sensors, and baby monitors with video or audio features help parents stay aware of their child’s activity. While these tools don’t replace physical safety measures, they offer another layer of visibility and control that can be especially helpful for busy families.

Don’t Forget About Insurance

While you are taking steps to protect your home and family, it’s also worth reviewing your home insurance coverage. Life changes quickly, and your policy should reflect your current needs. Contact us today to schedule a policy review and ensure your home and loved ones are properly protected.