Who is covered on an auto insurance policy?
Auto Insurance: Who is covered—and when? Your auto insurance policy will cover you and other family members on your policy, whether driving your insured car or someone else’s car with permission. Your policy also provides coverage if someone not on your policy is driving your car with your consent. Your personal auto policy only covers […]
How Much Renters Insurance is Necessary?
For renters insurance, finding the right balance means choosing accurate, appropriate limits for your personal property and liability coverage. For the best results, this process may require a bit of effort. But if you’re strapped for time, there are some shortcuts you can take, too. Inventory your possessions Personal property coverage is probably the main […]
Tips for a Safer Commute
Morning roadways can get busy: The U.S. Census Bureau says 86 percent of American workers drive themselves to their job. If this includes you, stay cautious with these tips for commuting to work safely. Leave early. According to the Governors Highway Safety Association, speeding plays a role in approximately one-third of traffic deaths. If you have a […]
Utah Condo Insurance Basics
Your condo is more than a roof over your head: It’s your home. So make sure you understand the insurance requirements and coverage options for your unit. Lender Requirements Most mortgage lenders require proof of condo unit insurance before they approve a purchase. So if you are in the process of acquiring a condo, we […]
10 Fire Prevention Tips for Your Home
If the smoke alarm goes off in your home, do you and your family have a fire escape plan? Fire departments respond to approximately 370,000 home fires every year. And, while not all home fires are preventable, creating a fire-prevention plan can reduce the risk of fire in your home. Check out the home fire prevention tips […]
Is permanently attached equipment covered by insurance?
Many of our clients have equipment attached to their vehicles like welding tanks, tool boxes, and generators. We are often asked about whether or not an auto insurance policy provides coverage for those pieces of equipment for claims involving damage to the vehicle or theft. A standard business auto policy covers loss to a covered […]
Insurance Certificate: Primary and Non-contributory Wording
Construction contracts often require a subcontractor’s general liability insurance policy to name the owner or general contractor as an additional insured on a “primary and noncontributory” basis. This seemingly simple requirement can cause a lot of difficulty and may hamper the sub’s ability to start the project. The International Risk Management Institute (IRMI) recommends that […]
Christmas Tree & Fire Safety
Did you know that Christmas trees alone result in $130 million dollars in property damage annually? More importantly, these fires present real risk towards family and friends. When showcasing a live tree in your home, the combination of tree dryness, electrical malfunction with lights and poorly located heating sources can make for a deadly combination. […]
Winter Car Features
With nearly 70 percent of the nation’s roads in snowy regions, the majority of Americans have had a “white-knuckle” driving experience in their past. Winter roads claim the lives of 1,300 people every year and injure 116,800, according to the U.S. Department of Transportation. Fortunately, new features including forward collision alerts and lane departure warnings, are […]
Choosing an Insurance Deductible
In order to determine exactly how much car insurance you can afford, you need to understand what a deductible is and how it works. When buying car insurance, you must consider both the premium and your deductible when determining your budget for coverage. What Is a Car Insurance Deductible? Definition A deductible is the amount of […]