Christmas Tree Safety

‘Tis the season of merriment, joy, good food, and creating beautiful family memories. Whether you take a page out of Clark Griswold’s book or if you find you’re more akin to the Grinch, we want to make sure our clients safely enjoy the holidays. Here are a few tips to keep you singing of good cheer well into the new year!

  • Is there anything better smelling than a fresh cut Christmas tree? Maybe fresh baked cookies. For those of you who still enjoy visiting Christmas tree farms with the fam to pick out the PERFECT tree (not too big, Clark), make sure you understand that real trees come with real responsibility. Real trees must stay adequately watered or else they will dry out; a dry tree + electrical lights pose a serious fire risk. Make sure to check the water basin daily.
  • Cats, our feline friends; the only thing a cat likes better than a cardboard box is climbing into the Christmas tree you patiently decorated for the last six hours. Cats are prone to chew on the wires leaving them exposed or even topple trees over. Consider discouraging your cat from going near the tree or if possible, place the tree in a room the cat cannot get to.
  • Where are my aluminum tree fans? I know there are bound to be a few of you! There is a reason aluminum trees come with a lit color wheel – it is a major fire hazard to string any sort of lights on an aluminum tree. Stick with hanging only ornaments on these shiny blast from the past trees!
  • Always, I repeat, always turn off the Christmas tree lights before leaving the home and before bed time. Trust me, Santa can still find the tree even if it’s not lit. If you are like every other warm blooded human and tend to be a bit scatterbrained around the holidays, consider investing in a timer like this one or pick up one of these smart plugs that you can control from your smartphone!
  • There is something nostalgic and comforting about an “old fashion” Christmas tree, otherwise known as a tree strung with big vibrant C6 bulbs. If you are one of the few passing over the popular tiny white light themed trees and prefer a more traditional tree, proceed with caution. Unlike modern LED bulbs, C6 bulbs actually grow warm and can even be hot to touch. To avoid a potentially devastating disaster, consider the following: keep a real tree well watered, avoid placing the bulb directly on any branches, and turn off the lights when they start to get warm to touch.

From your family at the Frank Clarke Insurance Agency, we wish you a happy and safe Christmas!

New Employee

Effective December 1, 2020, we’d like to welcome our newest employee, Lauren Papotto Voldrich!  She will be coming on as our Commercial Lines CSR.  Lauren has over 15 years working in the customer service arena first as a member of the auto body industry and then as an insurance adjuster.  We’re excited to have her be a resource for all your business insurance needs.  She’ll be helping Sean with service, claims & billing inquiries.  She’ll be working Tuesdays & Thursdays.  Her email is or you can always reach her by phone at 440-236-5041.  Be sure to welcome her!


New Partnership with Frankenmuth Insurance Company

Frank Clarke Insurance Announces New Partnership

Effective immediately, Frank Clarke Insurance Agency is partnering with Frankenmuth Insurance Company.  Frank Clarke Agency is a family owned & operated insurance agency since 1935 and has been doing business in Columbia Station since 1977.  Frankenmuth Insurance Company is headquartered in Frankenmuth, Michigan and has been providing high quality insurance products since 1868.  This partnership will provide both residential and business clients with more affordable, superior options for you to choose from for all your insurance needs.  Call us today for a free insurance review.  440-236-5041

Frank’s Passing

We lost a great man on Christmas Day. Frank L. Clarke, Jr. passed away on Christmas after a long battle with IPF. He was surrounded by his family at home.

He was one of a kind and such a wealth of knowledge in the insurance industry. We are going to miss him dearly.

He was the proud owner of our agency since the 1970s and his legacy will be carried on by his daughter, Colleen and her daughter & son-in-law, Nikki & Sean.

We appreciate all the kind words, flowers, visits, etc. that we’ve received over the last several weeks.

What’s the difference between full coverage & liability only for car insurance?


Car insurance can be a tricky subject for anyone. How do you know whether your car needs liability only or full coverage? Do you know the difference? Has anyone ever explained it to you? Here are some key points about what each means and which makes the most sense for your car.

Liability only simply means that you are only insuring the bodily injury or property damage of someone ELSE. If you’re in an accident that is your fault your insurance will pay for the other party’s vehicle and their possible injuries. You would be on the hook to repair or replace your vehicle. However, if you’re in an accident that is the other party’s fault, THEIR insurance must pay for your damages to your car and potential injuries.

Full coverage means you are insuring for both the other person’s injuries and damages as well as for your own car’s potential damages. Keep in mind that there is are deductibles attached to this full coverage option that will come into play in the event of an accident. Also, it is important to note that this option is more expensive than liability only because the insurance company is taking on more risk in the event of an accident. Full coverage may also mean that you carry towing, rental reimbursement, and loan/lease gap coverage, but not all agents would consider that as a part of the full coverage option. Make sure you check on that prior to insuring your car.

Now that you know what the difference between liability only and full coverage is; how do you decide which one you should have? This can be complicated and in most cases it really comes down to personal preference.

Generally speaking, if your car is older (more than 10 years old) and has high mileage, you may want to consider having liability only. By the time you would pay your deductible and the extra cost for insurance, it might not be worth it to have full coverage on an older car.

Full coverage, on the other hand, is required when you have a loan on the car or it is leased. The bank will require you to carry this coverage so their loan will be repaid in the event you total the car in an accident. Even if the car isn’t leased or financed, this might be the right coverage for you if your car is newer and has low mileage.

Your insurance agent should be able to offer their advice on this subject by going over the items mentioned above. Feel free to call us at 440-236-5041 or email us at and we would be more than happy to offer our own advice. You can also complete the form below for a car insurance quote.  Just remember, though, the decision is ultimately yours.

Meet our newest family member!

Say hello to the newest member of the Frank Clarke Agency family!

Jameson Joseph Green was born 7/27/14 at 9:59am weighing 8 lbs. 2 oz. measuring 21″.

Frank is the proud great grandfather, Colleen is the proud grandmother, and Nikki and Sean are the proud aunt and uncle!

Congratulations Kristin & Donny!


Health Insurance Now Available!

Our office is now able to provide our customers another service! We can now quote your health insurance! Call our office for additional details!


Sean Puckett published in Insurance Magazine

Sean Puckett, our resident Nonprofit Specialist, was recently interviewed for Best’s Review.  Best’s Review is a leading insurance industry periodical.  He makes some great points about what types of insurance coverages that nonprofits should have.  Check out the article here:  Sean’s Article.


What our customers think of us!

We recently received a very nice testimonial from one of our long time insureds.  Thank you, Nadine!


I’ve been dealing with the Frank Clarke Agency since January of 2000.  All of the staff have been extremely helpful and very professional providing immediate responses to all my needs.  Kudos to the staff and I would recommend them for all your insurance needs.

-Nadine Perry, Things to Move, Inc. (Medina, OH)

Why You Need Renters Insurance



  1. Your landlords insurance doesn’t cover your stuff.  If there was a fire, the landlords coverage would repair the building itself but will not cover any of your possessions.
  2. If you are put out of your apartment because of a fire or pipe bursting, your policy would pay your “additional living expense” to live somewhere else.
  3. If you are put out of your apartment because of a fire or pipe bursting, your policy would pay your “additional living expense” to live somewhere else.  The burglary rate per 1000 households is 53% higher for renters than for homeowner households.   Likewise, the theft rate is 41% higher for renter households.*
  4. Your personal possessions would be covered worldwide, like when you are on vacation and your suitcase and laptop are stolen from your hotel room.
  5. Your Liability coverage protects you if you’re sued and this coverage follows you everywhere. What if you throw a party and a guest slips and falls on your bathroom floor and sues you?  You would be covered up to your policy limit for the court judgment and legal expenses.  The same is true if your wayward golf ball injures someone else out on the course, or you accidentally trip someone on the dance floor resulting in a broken leg.  Accidents can happen anywhere.  You need to protect your assets and your future earnings against a judgment.      
  6. Renters’ policies also include Medical payments to cover the medical bills of an injured guest in your apartment.
  7. As a tenant, you could be liable for property damages.   If you leave the water running and it seeps down through the floor causing damage to property of the tenant below, you could be liable for the whole soggy mess.
  8. Renters Insurance is CHEAP!  For about the cost of one large pizza a month, $10-$20, you can protect yourself from a huge financial loss.
  9. There are usually discounts available if you purchase a renters policy from the same company that insures your car.  Sometimes the discount given on your auto policy almost pays for your Renters policy.
  10. The cost of replacing all your stuff adds up!  Take a moment and list all the things you couldn’t live without.  What would it cost you to replace your iPod, cell phone, game system, laptop, TV, golf clubs, all the clothes in your closet, your CDs and DVDs?    Can you afford to be without Renters Insurance? 

  *US Bureau of Justice Statistics, 2005 National Crime Victimization Survey