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13894 S Bangerter Pkwy #250
Draper, UT 84020

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Is my work shop covered by my homeowner’s policy?

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When it comes to providing answers to insurance questions, the residents of the greater Bluffdale, UT area rely on the team at United Insurance Services Inc. Making sure that all of the buildings on your property are protected is an important part of finding the right home policy. Give us a call today with any questions that you may have. 

Protecting all of the buildings on your property

Many think that homeowner’s insurance will only cover their home, but this isn’t always the case. There are policies that will cover all of the properties on your properties, such as garden sheds, workshops, and other outbuildings. 

If you have buildings in addition to your home that you want to protect, it is possible to do so with a single policy. Your current homeowner policy may not provide adequate protection if you decide to build a workshop on the property. Because, even as there are a number of different policy options when it comes to these types of structures, not all do.

Take the time to carefully review your current policy, or take the time to sit down with your local agent to discuss it. Having the right protection in place for your workshop can be of great importance if there is a loss or catastrophic event. Going without the proper coverage could mean that you and your family are financially responsible for any loss that occurs in that building. 

You can rely on us for all of your insurance needs!

United Insurance Services Inc. is here to serve all of the insurance needs of the greater Bluffdale, UT community. If you have any questions related to any type of insurance, please get in touch! Feel free to stop by our office or give us a call today!

Levels of Natural Catastrophe Insurance

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Your home insurance covers you for a specific set of perils; typically 10, 16, or all perils. However, you need to add natural catastrophe insurance to cover earthquake, flood, and landslide perils. No home insurance covers floods and most don’t cover earthquakes or landslides, even with all-perils coverage. You can still protect your home or business from these three perils with natural catastrophe insurance, also known as Nat Cat insurance.

The insurance industry realizes that there is no one size fits all policy. You can choose from various levels of coverage, including:

  • Contents only,
  • Structural only,
  • Contents and structural.

If you rent your home, you would require a contents-only policy. Your landlord would choose a structural policy if they rent an unfurnished home, but a contents and structural policy if they rent a furnished home. Likewise, if you own your home, you would choose contents and structural coverage.

You can reside in any type of abode and obtain cat insurance. This includes mobile homes as long as they use tie-downs to ensure they remain anchored to the ground.

With respect to the flood coverage in the cat insurance, you can obtain it through the government’s National Flood Insurance Program (NFIP) or through the Natural Catastrophe Insurance Program (NCIP). Either option fulfills the flood insurance requirement of a financial lending institution from which you obtained your mortgage.

For more information on Nat Cat insurance or to get a quote on coverage for your home or business, contact United Insurance Services Inc. serving Bluffdale, UT. Let us help you properly insure your home against natural catastrophes.

What is Liability Car Insurance?

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Accidents are an unfortunate reality of driving a vehicle, and while you’ll hopefully avoid being in one, having the right insurance coverage is key. If you are deemed legally responsible for a car accident, then you may be on the hook for paying all related medical bills, auto repairs, and physical property damage for yourself and any third parties involved. Consequently, having adequate liability coverage on your personal auto insurance policy is vital. Liability insurance can vary from provider to provider, but it typically includes two key components:

  1. Bodily Injury Liability: If you are at fault in an accident, bodily injury liability will cover the medical bills for those injured up to your policy limits. Additionally, it will cover legal fees and loss of income that a third party suffers by not being able to work.
  2. Property Damage Liability: Pays for the costs to repair or replace items damaged in an accident, such as a vehicle, home, fencing, or store.

Utah requires that all motorists maintain at least the below liability coverage:

  • Bodily injury liability: $25,000 per person and $65,000 per accident
  • Property damage liability: $15,000 per accident
  • Personal injury protection: $3,000 per accident
  • Uninsured motorist: $25,000 per person and $65,000 per accident
  • Underinsured motorist: $25,000 per person and $65,000 per accident

When shopping for an auto insurance policy, keep in mind that these figures are just the minimum. An accident is likely to exhaust your liability coverage quickly if you only go with the minimum requirements. Consequently, you will want to purchase a liability insurance policy with enough coverage to protect the entirety of your assets if you are responsible for an accident.

At United Insurance Services Inc. in Bluffdale, UT, we know the insurance industry inside and out, so we’ll be able to help you find the perfect auto insurance policy. 

Unusual Circumstances Home Insurance May Cover

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Most homeowners think about a tree limb puncturing a roof or a windstorm causing shingles to fly off the roof when it comes to home insurance claims. While these situations are generally covered under a typical insurance policy in Draper, UT, home insurance offers protection for a number of situations, many of which you may not think about. United Insurance Services, Inc. shares a few of those unusual circumstances.

Dog Bites

In the event that your dog escapes the backyard and hurts a passerby, things can get serious. Depending on the severity and location of the bite, the medical expenses this person has to pay can be significant. There is also a risk of a lawsuit.

The good news is your home insurance will pay for most expenses associated with a dog bite. Of course, you will need to first ensure that the breed of your dog is not an excluded breed from your policy.

Spoiled Food

If you have a large freezer or a separate deep freeze, you may stock up on certain foods when they are on sale. Unfortunately, it only takes a lengthy power outage for these foods to thaw and spoil. During the summer, the outage doesn’t even have to be very long.

In the event this happens to you, you should speak to your insurance company about reimbursement. Although not all, many insurers offer coverage for situations like this one.

Fire Department Fees

If your house catches fire, the effects can truly be devastating. This is true even if the fire department is able to arrive and put the fire out. Unfortunately, some fire departments charge you for their services (putting out the fire).

Luckily, your home insurance policy will usually cover these charges as well as the cost of property damage from the fire.

When you need home insurance for your property, reach out to the agents at United Insurance Services, Inc. serving the Draper, UT area.

How you can protect your home from a natural catastrophe

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If you are a homeowner in the greater Bluffdale, UT area, the team at United Insurance Services Inc. is here for you. We are proud to serve the insurance needs of our friends and neighbors in this wonderful community. Call or stop by our office today to find out the many policy options that can help you keep your property protected.

Keep your home protected with a robust homeowner’s policy

Our homes are likely to be the largest financial investment that we make in our lifetimes. By having catastrophe insurance in place, you can be sure that your home is protected. We never know what Mother Nature may send our way, and it is best to be protected! Having a local agent help you review your insurance for completeness is a great first step.

When it comes to home and family, our houses are the bedrock of our happiness. Don’t neglect the sanctuary that is your home. Being underinsured can be almost as disruptive as having no insurance at all. As your home appreciates and gains value, you will want to ensure that your insurance policies keep pace. 

Now is a perfect time to review all of your policies and determine if you have the level of protection that you need to protect your home and family.

Don’t delay, protect your home now

United Insurance Services Inc. is here to provide the greater Bluffdale, UT community with the insurance coverage it needs. If you would like to learn more about the homeowner and catastrophe policy options that are available in our community, call or stop by our office today! 

A Look at Collision Insurance Coverage

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At United Insurance Services Inc., we’ve helped many Bluffdale, UT, residents get the help they need to protect their vehicles. For example, we’ve set them up with collision coverage and much more. But what exactly is collision protection? Here’s what you need to know.

What Your Collision Insurance Covers 

If you get collision coverage, you are protecting yourself from any collision problems that impact your vehicle. This type of policy is critical because other options may not cover this damage, and you’ll need protection to avoid serious financial issues. Collision coverage pays for:

  • Collision damage is caused when you hit another vehicle 
  • Damage repair after you hit another solid object 
  • Single-car accidents, including rollovers and falling over 
  • Any other collision-related problems that may affect you 

Collision coverage is single-minded in its level of protection. It will help you when you get into a collision and repair your vehicle to ensure that it is ready to get back on the road. Like all policy types, though, there are some limitations to consider here. These include problems like:

  • Damage to another person’s vehicle caused by an accident 
  • Any non-collision damage to your car, such as hail storms or even theft 
  • All medical bill payments you might experience in a car crash 

As a result, it is also essential to consider liability protection and property damage coverage. You may also want to get comprehensive protection to keep your car safe. There’s no reason not to get the best level of security possible as a way of keeping your vehicle from damage. 

You Got This!

If you want collision insurance and want more comprehensive and protective policy types, you need to reach out to us at United Insurance Services Inc. right away to learn more. Our team has years of experience and understands the unique process of insuring your car in Bluffdale, UT.

Utah Home Insurance – What You Need To Know About Home Insurance

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For most people, purchasing a home will be the largest purchase that they’ll ever make in their lives.  So why do so many people forgo having their homes insured once the house is paid off?  If you put it into common sense terms, you wouldn’t take a briefcase with $200,000 cash inside and just throw it into a bonfire, would you?  Because, in a sense, that’s what you would be doing if you elected not to have home insurance on a paid-off house and a disaster ended up happening.  Rolling the proverbial dice on a calamity not happening just to save money on the premium each month is simply foolish. United Insurance Services Inc. in Bluffdale, UT can answer any home insurance questions that you may have.

Home Insurance Basics

Most people who buy a house typically take out a loan or mortgage for a set amount of time (15 or 30 years) and during the life of the loan, you will need home insurance as a requirement to protect the lender’s interests or collateral.  You can have coverage limits set to any limit you’d like, although there is a required floor amount that must be used, usually the price of the home or the price of the loan in full.  The higher the coverage limits, the higher amount of premiums that you will pay to the insurance company every month.

Optional Add-Ons

You can also purchase liability coverage for the property to cover any issues that may crop up on the property outside the home.  These issues are more in line with people who may visit the property (friends, acquaintances, etc.) who could slip and fall or otherwise hurt themselves.  Flood insurance is also available in some areas where flooding is prevalent, this would protect your home and property from a catastrophic flood event.

For Further Information

You can learn more about home insurance by contacting United Insurance Services Inc. in Bluffdale, UT today.

Tips for Buying Natural Catastrophe Insurance

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One cannot underestimate how vital insurance is, especially when a natural disaster strikes your home. It cushions you from a colossal loss, ensuring you are back on your feet within no time. However, when you are buying natural catastrophe insurance, there are things you have to consider to ensure you are getting sufficient protection. To make it easy for you, United Insurance Services Inc. serving residents of Bluffdale, UT, explains some tips to consider when buying this type of insurance.

First Get to Know Your Coverage

You need to know what your homeowners’ policy covers first before buying natural disaster insurance. A standard homeowners’ policy may exclude losses like earthquakes, landslides, and floods. This is especially important when you live in an area prone to any natural disasters. It will ensure you have adequate protection after a disaster.

Make an Inventory

Create an inventory of all the items in your home, and should you renovate it, ensure you have updated the list. You will also have to review it with the insurance company to ensure you are adequately insured. After a disaster, it will be easy to prove any incurred losses. Make sure you and the insurance company both have copies of this list.

Factor in The Value of Replacing Your Belongings

When you are making an inventory, it is also good to note down the cost of those items. This will guide you in buying adequate insurance. If you underinsure your property, then after a natural disaster, you will have to go back to your pocket to cover some losses.

Reinforce Your Home

When you live in disaster-prone areas, consider reinforcements like installing storm shutters, smoke detectors, and fire sprinklers. It will help lower your premiums since you will be minimizing damage to your property.

When it comes to insuring your home from natural disasters, you should not compromise. In the long run, you are the one who will benefit. For more information on natural disaster insurance, contact United Insurance Services Inc. today. Located in Bluffdale, UT, we will help answer any questions you have and assist you in buying the proper coverage.

Why is Auto Insurance Required in Utah?

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In Utah, any driver using a car on a public road is required to have auto insurance. Driving in the Bluffdale, UT area is the most convenient and practical mode of transportation, so having auto insurance is more or less essential if you live in the area. United Insurance Services, Inc. serves the Bluffdale UT area through a variety of different insurance plans, auto included.

We highly recommend an auto insurance policy for you and all members of your family or household that drive; not only will you get penalized and fined if you drive without insurance, but you run the risk of not having any coverage should you get into an accident, whether it’s your fault or not. 

A full auto insurance policy will typically include liability protection, which covers you in the event of an accident, whether you were at fault or not. Being liable means you are responsible for the damage caused, but with liability protection, the out of pocket cost can be limited. 

Vehicle coverage is also typically included in an auto insurance policy, which means protection for your vehicle in the event of an accident. Cars are not cheap, and they get us safely from point A to point B, so protecting your vehicle from damage is another benefit of having auto insurance. 

Curious about the right auto insurance policy for you? United Insurance Services, Inc. is more than happy to help answer your questions, address your concerns, and will find the right plan for you and your family members. Ensuring everyone in your family is safe is your #1 priority, and finding the best coverage and policy to give you peace of mind is ours. 

How Home insurance Can Protect More Than Just Your Home

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If you’re a homeowner in Bluffdale, UT you should be aware of how a home insurance policy can protect you in the event of damage or destruction to your property. United Insurance Services Inc. is here to help residents in the area to ensure that they have the best coverage possible for their homes and personal property.

While most mortgage lenders will require homeowner’s insurance as part of the terms of their loan, it isn’t required in Utah if you paid cash for your home. However, it is strongly recommended to have coverage for your home in the event that something happens and gets damaged or destroyed. Life can be unpredictable and it’s impossible to plan for every single scenario without some kind of protection in place.

Should anything unfortunate happen to your property or your belongings within the dwelling, a homeowner’s insurance policy will protect any damage that’s been done. Your home is possibly the most valuable investment you will ever make, and it’s crucial to protect it as such. Homeowners insurance provides that peace of mind for you, your family, and your belongings inside the property.

Homeowner’s insurance can also include liability coverage which protects you in multiple scenarios. Be sure to look into homeowner’s insurance in your area if you don’t already have it. 

Residents searching for homeowner’s insurance in Bluffdale, UT should consider an appointment with the experts at United Insurance Services Inc. We’ll make sure you are set up with the proper insurance coverage to protect your most valuable investment(s). Contact us today and one of our insurance agents will be happy to assess your needs and share the best options with you. 

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