Category: Natural Catastrophe Insurance

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.

At United Insurance Services Inc., we provide Bluffdale, UT residents with high-quality catastrophe policies. But what is this type of insurance, and who needs it? Understanding the advantages of this insurance will help ensure you are fully protected and safe from severe financial loss.

Defining Catastrophe Insurance

Catastrophe insurance policies cover specific events that are generally excluded from homeowners insurance. These coverage options typically require a homeowner to identify what type of natural or man-made disasters that they want in their coverage, including things like:

• Landslides
• Mudslides
• Sinkholes
• Earthquakes
• Natural floods

Business owners may also get high-quality catastrophe insurance designed specifically for their business needs. In Utah, the types of catastrophes covered will vary. Since the area isn’t prone to events like hurricanes, it may be hard to understand who would even need this type of coverage. However, it is often a good option for many homes or business owners.

Who Needs This Coverage

Although Utah may not seem like a hotbed of natural disasters, many types may occur throughout the state, including:

• An estimated 800-1,000 wildfires every year
• Heavy floods caused by melting snow
• Intense winter or rainstorms
• Landslides and mudslides near mountains
• Earthquakes on one of the 200 Utah faults
• Tornadoes during extreme weather

As you can see, this state is just as prone to natural disasters as any other – perhaps even more in danger than some other areas. And a catastrophe insurance policy will help minimize this risk of financial loss as much as possible.

Finding a Good Policy

If you’re worried about any of these natural disasters in Bluffdale, UT, and want catastrophe coverage, contact us at United Insurance Services Inc. We believe that most home and business owners should have catastrophe coverage, as it represents a small investment that could protect you in significant ways.

United Insurance Services Inc. offers coverage to the Bluffdale, UT community, and the surrounding areas. We are committed to providing our clients a quality experience. We offer personalized policies to ensure that all of our client’s most important assets are protected.

Natural Catastrophe Insurance Overview

Life is often unpredictable. While it may be hard to predict what happens next, you can prepare for it. Consider the benefits of natural catastrophe insurance. Natural catastrophe insurance covers you in the event of an emergency. Generally, the policy covers natural disasters. The type of coverage you need is primarily based on where your property is located and its vulnerability to a natural disaster.

There are multiple natural disasters to be aware of as you research coverage in Bluffdale, UT. You have to consider the likelihood of a hurricane entering the area and causing severe flooding. Earthquakes are another significant disaster to prepare for. If something happens to your property, natural catastrophe insurance covers you.

Any damage caused by tornadoes and tsunamis is also covered under the policy, though tsunamis are unlikely to occur in Utah. Staying on the West Coast, you also have to think about potential wildfires. Forest fires can cause damage throughout the entire state. If your property suffers general fire damage, you should be covered through your traditional home insurance policy. While unlikely, natural catastrophe insurance also covers acts of terrorism.

Natural catastrophe insurance primarily serves as supplemental coverage. Thoroughly research all of your existing policies. Natural catastrophe insurance can fill in those areas that you feel are unprotected.

United Insurance Services Inc. Can Help You Protect Your Assets

Visit our website to learn more information about natural catastrophe insurance.