When cold weather rolls in, your home becomes more vulnerable to the kinds of claims that can catch you off guard—frozen pipes, roof leaks, chimney fires, and unexpected breakdowns. Winter damage often leads to some of the costliest insurance claims of the year, and many of them are avoidable when you take time to prepare […]
Fall is the perfect time for cozy backyard parties, bonfires, and Halloween get-togethers—but when guests are on your property, your liability risk increases more than you might expect. Hosting brings responsibilities, and your homeowners insurance might not cover every incident. Understanding what your policy protects, and what it doesn't, helps you avoid unpleasant surprises when […]
Fall brings changes—cooler weather, busy schedules, and more activity at home and on the road. What you may not realize is that these seasonal shifts also bring added risk. If your current insurance policies only cover the basics, you could be more exposed than you think. That’s where umbrella insurance steps in. It gives you […]
Owning a home is one of the most significant financial commitments you will ever make. Beyond being a place to live, your home represents security, stability, and an asset that can appreciate in value over time. Protecting this investment is just as important as making it, which is why homeowners insurance is a necessity. Why […]
When you think about protecting yourself, your family, and your assets, it’s important to understand exactly what your insurance covers. Policies can feel overwhelming with their dense language and unfamiliar terms, but you don’t have to navigate them alone. By taking the time to familiarize yourself with the basics, you’ll gain the peace of mind […]
Transforming your backyard into a family entertainment area could end up being more expensive than anticipated. Trampolines, pools, play structures, swing sets, and even tree houses can encourage children to spend more time outdoors. However, these property additions can also impact your homeowner’s insurance coverage. Typical homeowner's insurance policies frequently have exclusions for these types […]
Isn't valuable personal property insurance unnecessary if you already have renters or homeowners insurance? Oddly enough, the response is probably no. The complete worth of your possessions, such as a pricey engagement ring, an antique collection, or a specially crafted musical instrument, is usually not covered by a typical renters' or homeowners' insurance policy. The […]
Life gets busy, and it’s tough to keep track of every detail. When it comes to life events, such as a child moving out or a family member passing away, the paperwork that comes with them can easily be forgotten. Some events need to be relayed to your insurance agency, and this guide will inform […]
Most people in Utah haven’t had to worry about flood insurance. After all, we are the second driest state in the United States, receiving about 11 inches of rain per year, on average. (This number does fluctuate based on location and elevation, with some areas receiving less than 5 inches and others getting more that […]
Insurance is about minimizing risk by protecting your assets. You can get a policy to protect whatever asset you find valuable, regardless of how strange it may be to other people. When you think of insurance policies, you probably think of protecting vehicles and homes or getting a basic life insurance policy. But you can […]
