How to Use Clickable Coverage

How to Use Your ActiveAgency Website

Help Center - How To Use Clickable Coverage
Read Time

7 minutes

Designed To

Look Amazing, Get Found, Sell More, Service Better

Your website is your marketing hub.

74% of consumers begin their search for insurance online. That statistic alone should make clear how important it is to have a website that attracts visitors. But more than that, you also need the means to keep them there long enough to learn about who you are and why your agency is the right choice. Clickable Coverage, one of our favorite features of the ActiveAgency website platform, is an innovative sales and educational tool designed to do just that.

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What is Clickable Coverage?

Clickable Coverage is a series of interactive industry and coverage-specific graphics that outline various risk factors and insurance solutions impacting individuals and businesses. These images are professionally designed and feature well-researched insurance information to create a total wow factor for clients and prospects. By offering a friendly and approachable way to learn about insurance topics, it’s easy to focus on the business and personal coverages that matter most.

Using Clickable Coverage - Sending a Clickable Coverage Link Through Email with Yellow Arrows

What are the benefits of Clickable Coverage?

First and foremost, Clickable Coverage is a ground-breaking educational tool. It offers value to website visitors from the moment they reach the page by providing information specific to their needs. They are put in the driver’s seat with the ability to click around at their own pace. The content also shifts the focus from price to the value of having the right coverage, all while showcasing your agency’s expertise.

Most people have very basic knowledge about insurance, but a lack of understanding the more complex parts could leave them exposed to significant risk. And while an insurance agent can get into those nuances when they speak with a prospect, Clickable Coverage can offer answers to questions some folks don’t even know to ask.

  Professionally designed and written, Clickable Coverage is a total wow factor!

Increase time spent on page.

Another important benefit of Clickable Coverage is how it increases the time spent on the page. People will often leave a page that looks like a wall of text or is otherwise overwhelming. If you were to take all of the information in each Clickable Coverage graphic and simply write it out in plain text, most would not stay to read it thoroughly. Consequently, the average time spent on a regular webpage is around ten seconds.

However, when that same information is presented in smaller bites and an interactive format, people tend to read it all. It’s human nature to want to click on all those flashing yellow hotspots. The average time spent on a webpage with a Clickable Coverage graphic? A whopping six minutes and twenty seconds!

  Clickable Coverage offers educational value and increased SEO rankings.

Clickable Coverage can improve SEO.

Clickable Coverage also benefits SEO in two ways. First, the content associated with each graphic is keyword-rich and specific to the appropriate industry or coverage. It’s written to grab the attention of the folks you’re looking to reach. And remember that stat we just mentioned about the amount of time spent on the page? Well, Google is increasingly looking at that metric as a way to gauge value. The longer a visitor stays on your page, the better the content must be, and Google responds by increasing your search ranking. Want to see it in action? Check out this sample hotspot below!

Using Clickable Coverage - Hot Spot

Explore all Clickable Coverage graphics.

We know you’re eager to see what Clickable Coverage is all about. Below are all of the Clickable Coverage graphics available. Don’t be shy; select a topic from the dropdown menu, click on those hotspots, and try this effective tool out for yourself!

Click it. Read it. Cover it.

Choose a topic to explore, then click the hotspots to learn!

Home
Fire
Risk Factor

Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.

Solution

Make sure your homeowners policy contains replacement cost coverage with no cap. This protects you if the cost to reconstruct your home is higher than your current limit of coverage. And, be sure that your insurance includes rebuilding your home to code. Very often, local ordinances and building codes change over time, which may require additional costs.

Personal Property / Contents - Property Damage
Risk Factor

When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.

Solution

Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.

Additional Living Expense / Loss of Use
Risk Factor

When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.

Solution

Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.

Valuable Possessions
Risk Factor

Typically, there is a sublimit on homeowner insurance policies for valuable possessions, such as jewelry, furs, fine arts, and other collectibles.

Solution

Obtain a personal floater or schedule your valuable possessions to ensure you’ll have the money to replace them.

Medical Expenses
Risk Factor

If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.

Solution

Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.

Personal Liability
Risk Factor

In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.

Solution

Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.

Miscellaneous Coverage
Risk Factor

The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.

Solution

You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.

Personal Injury / Defamation
Risk Factor

Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.

Solution

Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but likely does not cover rumors or statements that damage a reputation. You may need to seek additional coverage to include liability protection that covers personal injury or defamation.

Umbrella / Excess Liability Coverage
Risk Factor

You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?

Solution

An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.

Flood Coverage
Risk Factor

You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?

Solution

Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.

Secondary Home
Risk Factor

Owning a secondary home has the potential of increasing your liability exposures.

Solution

Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.

Collector Cars
Risk Factor

Collector or classic vehicles often have significant value and require special documentation and unique insurance coverage to ensure they are adequately protected. Even if stored on your property, they are typically not covered under your homeowners insurance.

Solution

Insure your collector cars with a specialized insurance company that focuses on and understands the unique nature of collector or classic cars and other vehicles.

Wine Collection
Risk Factor

If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.

Solution

If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.

Water Damage
Risk Factor

Whether entering from outside your home from a flood or from within your home’s plumbing system, water damage is the most common cause of loss to a home. Many policies exclude losses caused by backup of sewers and drains, and all unendorsed homeowner policies exclude damage caused by a flood.

Solution

Careful review is essential to protect your home and belongings from all sources of water damage. We recommend coverage solutions from insurance companies that include backup of sewers and drains. Also, identify cost efficient solutions to address the risk of flood damage in the first place.

Off-Premises Theft
Risk Factor

Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.

Solution

Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.

Add value to your website.

Our many Clickable Coverage scenes keep your clients engaged!

50

Number of Clickable Coverage Scenes

6.3

Average Number of Minutes Spent on Pages With Clickable Coverage

How can Clickable Coverage be used as a sales tool?

Book meetings.

When you’re emailing a prospect to set that first pitch meeting, send them a link to a relevant Clickable Coverage graphic to show you understand their needs.

Email graphics.

When you send your follow-up email after a meeting, include a link to a graphic that suits the prospect’s needs or business industry.

Improve annual reviews.

Your annual review email offers you an opportunity to cross-sell. Add a link to a scene that illustrates coverages the client might want to consider.

Upgrade presentations.

If you’re sitting down with a client or prospect, pull up an applicable Clickable Coverage scene to illustrate pertinent coverages.

Provide education.

Find hotspots that explain why your clients need certain enhancements or  endorsements on their policies.

Incorporate Clickable Coverage in non-sales ways as well.

Clickable Coverage is so much more than a tool to bring out at sales and renewal meetings. It’s easy to incorporate it into various aspects of your business. Here are a few of the ways we’ve seen agencies use Clickable Coverage.

Automate sharing.

From customer service to account managers, anyone in contact with clients or prospects can easily spread the word about Clickable Coverage.

Display socially.

To widen your reach on various social media platforms, try sharing a post with a link back to a Clickable Coverage graphic. Use relevant hashtags for the industries and coverages you target.

Educate internally.

If someone on your team is new to the insurance industry, have them sit down and review all the graphics. Not only will it help them understand the coverages necessary in each industry, but it will also broaden their knowledge of common insurance terms and concepts.

  Use Clickable Coverage for sales, social media, and more.

Manage Clickable Coverage on your ActiveAgency website.

ActiveAgency Dashboard offers an easy way to learn more about our complete library of Clickable Coverage graphics. When you log in to ActiveAgency Dashboard on your website, you can easily see what scenes are active on your site. Is there an inactive scene you’d like added? Not a problem? You can get that started on Dashboard too.

But that’s not all! When you click into each graphic, you’ll be able to see it live, identify and read all hotspots, and find where the graphic is located on your website. And, we’ve even drafted an email you can copy containing the link to that page, making it easier than ever to share the graphic with others.

Using Clickable Coverage - Managing Clickable Coverage on Your ActiveAgency Website

Frequently Asked Questions

There are some questions we get asked pretty frequently when it comes to Clickable Coverage, so we put together a list of the ones that come up most often.

Which Clickable Coverage graphics are available to me?

ActiveAgency clients have access to all Clickable Coverage graphics. You can choose any or all all of them depending on your agency’s specialties.

Will more graphics become available?

We are adding more content all the time! We usually announce new graphics via email and social media, so keep an eye out.

There's a graphic available, but I don't have it on my site. What can I do?

Simple! You can send a request to our Client Experience team through ActiveAgency Dashboard, and we’ll be glad to help you out.

I need a Clickable Coverage scene that you don't offer. Can you make it?

If you serve clients in a particular industry and would like us to add a Clickable Coverage scene for it, let us know! If it’s a good fit for our platform, we’ll consider creating it. If it’s not a good fit, a custom graphic may be an option. Reach out to the Client Experience team to find out more.

  Have a question we didn’t answer? Ask us over the phone, through email, or via chat!

We’ve got you covered.

We find that the best way to get the most out of Clickable Coverage is to use it. That could be through links in emails, posting on social media, or reviewing it during a meeting, but be sure to let clients and prospects know it’s there. Build excitement by encouraging folks to click the hotspots and learn. And as we noted above, there are numerous ways to incorporate Clickable Coverage into your day to day, no matter if you’re in sales, service, or elsewhere, so try them out!

We’ve curated our Clickable Coverage library to cover the most common industries and coverages. Whether you specialize in personal insurance, business insurance, or employee benefits, there are topics available. Is there something you’d like to see? Reach out and let us know!

Manage Your Website on Dashboard

If you want to manage your website, use our tools and features, and learn more about ActiveAgency, log in to Dashboard.

https://your-website-address.com/aalogin

If you'd rather speak to us, reach out to our Client Experience team.

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