How to Assess Your Homeowners Insurance
One of the biggest concerns we have as insurance agents is ensuring your home has the right type of coverage and limits to ensure you are properly protected. Being properly insured and knowing the value of the home and possessions can provide some peace of mind during what could be an extremely stressful period. We […]
Floods: How to Prepare, Respond & Recover
What to do ahead of time: Hire a licensed electrician to raise electric components (switches, sockets, circuit breakers and wiring) at least 12 inches above the expected flood levels for your area. Make sure your yard’s grading (slope) directs water away from the building. Have the installation of your furnace, water heater and other permanently […]
How to Properly Insure Jewelry
Insuring Jewelry Knowing how much personal property coverage you have on your homeowners or renters policy is a good place to start with insuring jewelry. Most of the time, you’ll be covered up to a certain limit if it is stolen ($2,500 total). But with the average value of an engagement ring in the US costing around $5,000, homeowners insurance […]
How Much Auto Insurance Coverage Do I Really Need?
One of the most frequent questions we receive to our agency is regards to how much insurance coverage an individual should purchase. While there are a large number factors that help determine the proper auto insurance coverage limit, we want to hopefully help provide some insight here that will you in deciding the right limit […]
Available Home Insurance Discounts for Utah Residents
We are often asked about the available home insurance discounts for Utah residents. With that in mind we thought we would share a list of the common discounts associated with homeowners insurance: Policy Discounts Multi-Policy Discount1: If you have more than one policy with the same insurance company, then you may qualify for a multi-policy discount that […]
How is the value of my car determined in a claim?
One of the most stressful situations people encounter with auto claims is determining the value of the vehicle or damage. The Process When you file your claim it will be referred to a claims adjuster who will verify the loss and determines the costs to make the necessary repairs. The estimate provided by the adjuster […]
Will my insurance cover renting a car after an accident?
Will my insurance cover renting a car after an accident? Most drivers don’t ever really think about their auto insurance policy until they are involved in an accident and to begin filing a claim with their insurance company to help pay for the vehicle’s repairs, and even a rental car. Unfortunately, many drivers are surprised […]
Boat Insurance
Boat Insurance During the summer boats are an extremely popular activity for families. However, do you know if your boat has the proper insurance coverage? Did you know that your homeowners or renters policy typically provides some small boat coverage? The coverage is very limited – it covers property damage only, can only be used […]
Renters Insurance Overview
If you rent a house or apartment, your landlord’s insurance will only cover the costs of repairing the building if there is a fire or other disaster. There is no coverage provided to protect your personal property or negligence. You need your own coverage, known as renters or tenants insurance in order to financially protect […]
What to do if you are having trouble settling an insurance claim.
From time to time, individuals may have trouble settling their filed claim with their insurance company. If that’s the case, there are a number of things you can do to get the issue resolved. (That, unfortunately, doesn’t always mean it will work in your favor, but it will help expedite the resolution. Talk to your […]
