When you purchase home insurance, you’re protecting much more than four walls and a roof. You’re protecting your way of life, and your family’s future.
Home or (as you may know it) homeowners insurance offers a variety of coverages that protect the structure, its contents, personal liability and a variety of other options.
Four Seasons Insurance Agency understands the complexities of this important coverage, and we offer a wide variety of homeowners insurance options to choose from.
Utah Homeowners Insurance Options
Four Seasons has you covered, no matter where—or what—you call home.
Single family houses, condominiums, townhomes and even renters insurance are just some of the products we offer. Standard coverage protects the dwelling itself but also provides liability coverage, in the event someone is harmed on your property.
Also included in most Utah home insurance policies are additional living expenses, if you are unable to live in your home for a period of time, and contents or personal property coverage for your furnishings, electronics, clothing and other items that may be stolen, damaged or destroyed.
It’s important for you to understand your coverage and how to go about filing a claim. The last thing you need in a time of crisis is to try reading your home insurance policy.
For that reason, Four Seasons is committed to making sure you understand every aspect of your policy, including what is covered and what may not be covered.
What’s NOT Covered in Your Home Insurance
Some events and types of damage are simply not included in a homeowners insurance policy, no matter what.
Flood damage is a notable exclusion, as is termite damage and damage caused by earthquakes. Acts of terrorism have been excluded from most policies as well. As for your personal possessions, luxury items and articles that carry high individual value (such as fine art, furs, collectible and jewelry) are also typically excluded.
Of course, you can purchase a separate policy — flood insurance or earthquake insurance, for example – or add extra coverage to your home policy in the form of scheduled personal property protection.
Because we are a full-service independent insurance agency, we are a one-stop-shop for any extra coverage you may need as well.
Keeping Your Home Insurance Premiums Low
You can save money on your home insurance in several ways.
Combining your insurance coverages is one effective way to cut costs. When you choose the same insurer for your home and auto coverage, for example, you may be eligible for a discount.
In and around your home, you can save money in many cases by adding an alarm system with a hardwired smoke detector, fire sprinklers or upgraded locks. By increasing your policy’s deductible, you can also lower your home insurance premiums significantly.
We understand how daunting it can be to shop for competitive Utah homeowners insurance coverage. We are committed to making the process as simple and affordable as possible. Our friendly and knowledgeable customer service team is always at the ready, to answer your questions and to ensure that you have the type and amount of coverage you need.
With two convenient Northern Utah locations, Four Seasons is here for you. Contact us today for more information, and to request your personalized quote for home insurance.