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13894 S Bangerter Pkwy #250
Draper, UT 84020

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What to Review Before Hosting Holiday Gatherings at Home

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At United Insurance Services in Bluffdale, UT, we want homeowners to enjoy the holiday season without added stress. Hosting family and friends is one of the best parts of the year, but having more people in your home also means greater exposure to liability and property risks. Taking a few minutes to review your home insurance policy before the guests arrive is a simple step that is always worth taking.

Liability Coverage Matters More Than You Think

When guests are in your home, your liability exposure goes up significantly. If someone slips on an icy walkway or trips on the stairs, you could be held responsible for their medical expenses and more. Most home insurance policies include personal liability coverage, but the limits may not be adequate for a large gathering. Reviewing those limits before your first holiday event gives you time to make any necessary adjustments.

Check Your Personal Property Coverage

Holiday gatherings often bring expensive decorations, new gifts, and valuable items out on display. If you have recently made purchases or received high-value gifts, make sure your personal property coverage reflects what is currently in your home. Electronics, jewelry, and collectibles may need scheduled coverage to be fully protected against theft or damage.

Ask About Social Host Liability

If alcohol is being served at your gathering, it is worth asking your agent about social host liability. Not every policy handles this the same way, and it is far better to understand your coverage before the event than after something goes wrong. Reach out to United Insurance Services in Bluffdale, UT today and let us help you prepare your home properly for the holiday season.

What Bluffdale Homeowners Need to Know About Natural Catastrophe Insurance

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A law passed in 1984 turned regulation of the Jordan River over to water managers. At the same time, it took them off the hook if the river flooded homes around the banks. 

Flood insurance policies usually are designed to cover the floor where the water enters. If your basement gets flooded, you need to make sure you’ve got natural catastrophe insurance. 

What Standard Home Insurance Policies Leave Out in UT

Your homeowners policy covers things like fire and damage from hail. Damage from floods and earthquakes isn’t in there.

You can buy flood insurance from a private carrier or through the National Flood Insurance Program. You can add earthquake coverage to your existing policy or have it written as its own policy. Some insurance companies don’t write these policies at all, so you could end up buying it somewhere else. 

Wet Ground Gets You Twice

The City of Bluffdale advises homeowners to check their sump pumps every spring because groundwater sits high if you live around the river.

And when the earth starts shaking, wet soil can lose its strength and act more like a liquid than solid ground. That’s what causes houses to settle and foundations to crack.

The Waiting Periods Can Break You

Flood insurance bought through the NFIP has a 30-day waiting period. And most earthquake coverage policies run somewhere between 10 and 30 days. 

You can’t buy natural catastrophe insurance when the ground has already started moving. At United Insurance Services, we’ll take the time to go over these dates carefully with you before spring runoff.

Start with Where Your House Sits

Your home may not be near the river in Bluffdale. But soil changes too. You can take two houses a mile apart in UT and have two completely different answers. And the maps that show flood zones and those that show ground conditions are entirely different maps.

Get in touch with United Insurance Services today to go over your natural catastrophe insurance options before a catastrophe happens.

Beyond Collision: Auto Insurance Features Worth Knowing About

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Most Bluffdale, UT, drivers focus primarily on the necessities when shopping around for auto insurance, like liability and collision coverage, and with good reason. Those are critical protections that really need to hit the mark in case of a future accident. 

However, many policies offer additional options that can really keep you prepared for the unexpected. The experts of United Insurance Services can help you evaluate your choices and select the best one for your needs.

Extra Coverage Can Make a Big Difference

Although the choices available vary from policy to policy, commonly overlooked options might include roadside assistance, uninsured and underinsured motorist coverage, and even rental reimbursement. 

After all, even the most careful drivers can still have a vehicle break down or need unexpected repairs. You also never know when you might be involved in a collision with someone who has little to no insurance of their own.

Gap coverage is another pick well worth considering, especially for newer vehicles with a loan or lease. In the event your vehicle is declared a complete loss, it can help make up the difference between what you owe and the actual value of the vehicle itself.

The Right Coverage Fits All of Your Needs

The right Bluffdale, UT, auto insurance policy will naturally look different for every driver. Details like daily commute, the type of vehicle you drive, your habits, and your budget are all key parts of the picture when it comes to choosing coverage that fits.

Reviewing your policy periodically is also essential, as it helps you address common ways coverage needs change over time (e.g., adding another driver to your household or paying off a loan). 

Need a hand making sense of your options and settling on a sound decision? We, the experts of United Insurance Services, will be more than happy to help. Reach out today for advice, answers, or a tailored quote.

Empty Nesters: Is It Time to Update Your Policy?

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When children move out, many homeowners find themselves entering a new stage of life. Your daily routines, financial priorities, and long-term plans may change, which can make it a good time to review your home and insurance information. At United Insurance Services, we help families in Bluffdale, UT understand that major life events often create opportunities to revisit existing coverage.

Your Home May Be Used Differently

An empty nest often means extra space and new possibilities. Some homeowners convert bedrooms into offices, hobby rooms, or guest spaces, while others travel more frequently or spend extended periods away from home. Changes like these can affect how your property is used and may be worth discussing during an insurance review.

Utah Homeowners Benefit From Periodic Reviews

Utah’s changing seasons can bring a variety of weather conditions, from winter snow to strong windstorms, making regular home maintenance an important part of protecting your property. Taking time to inspect your roof, plumbing, and exterior can help identify issues before they become larger concerns.

It is also helpful to reassess liability considerations when household dynamics shift. With fewer daily occupants in the home, usage patterns may change, and it can be a good time to confirm that your coverage aligns with how your property is currently lived in and maintained.

Stay Prepared for the Future

Life rarely stays the same for long. Whether you are downsizing, welcoming grandchildren for visits, or simply enjoying a quieter household, it is wise to make sure your insurance reflects your current circumstances.

At United Insurance Services, we’re proud to serve homeowners in Bluffdale, UT and help them navigate important life transitions. If you have questions about your home insurance or would like to review your policy, contact us today.

Wind, Dust, and Storms: Bluffdale Risk Check

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Welcome to Bluffdale. If you live here, you already know how quickly the weather can change. One afternoon may feel calm and clear, and then suddenly the wind picks up, dust blows across the road, and a storm moves in faster than expected.

At United Insurance Services, we often see homeowners focus only on major weather disasters while overlooking the smaller, more frequent weather events common in this area. These minor issues are easy to dismiss at first, but they can turn into costly problems over time.

It Is Not Always the Big Storms

When people hear the term "natural catastrophe insurance," they often picture severe damage from major storms and widespread news coverage. In reality, much of the damage to homes and property begins on a much smaller scale.

Strong winds, blowing dirt, flying debris, and brief storms that last only minutes can still cause damage that is not immediately noticeable.

In Bluffdale, UT, ongoing weather conditions can gradually affect areas such as:

  • Roofs and siding
  • Outdoor equipment and fencing
  • Windows and vehicles
  • Landscaping and drainage systems

Storm-related damage often starts with small issues, such as a loose shingle, improper water drainage, or debris being forced into areas where it does not belong. Over time, these issues can lead to more serious repairs.

Seasonal Property Checks Can Make a Difference

Most homeowners do not want to constantly worry about the weather, but seasonal changes are a good opportunity to inspect their property before harsh conditions worsen existing problems.

Loose shingles, weak tree limbs, poor drainage, and fence panels that have started to lean may seem minor, but they can become serious concerns when strong winds and heavy rain occur together.

Addressing these small issues early can help reduce the risk of larger weather-related claims.

At United Insurance Services, we help homeowners understand how natural catastrophe insurance fits into everyday life in Utah’s changing weather conditions. If you have questions about your coverage or would like to review your current policy, contact United Insurance Services today.

Wind, Dust, and Storms: Bluffdale Risk Check

Posted on by admin

Welcome to Bluffdale. If you live here, you already know how quickly the weather can change. One afternoon may feel calm and clear, and then suddenly the wind picks up, dust blows across the road, and a storm moves in faster than expected.

At United Insurance Services, we often see homeowners focus only on major weather disasters while overlooking the smaller, more frequent weather events common in this area. These minor issues are easy to dismiss at first, but they can turn into costly problems over time.

It Is Not Always the Big Storms

When people hear the term "natural catastrophe insurance," they often picture severe damage from major storms and widespread news coverage. In reality, much of the damage to homes and property begins on a much smaller scale.

Strong winds, blowing dirt, flying debris, and brief storms that last only minutes can still cause damage that is not immediately noticeable.

In Bluffdale, UT, ongoing weather conditions can gradually affect areas such as:

  • Roofs and siding
  • Outdoor equipment and fencing
  • Windows and vehicles
  • Landscaping and drainage systems

Storm-related damage often starts with small issues, such as a loose shingle, improper water drainage, or debris being forced into areas where it does not belong. Over time, these issues can lead to more serious repairs.

Seasonal Property Checks Can Make a Difference

Most homeowners do not want to constantly worry about the weather, but seasonal changes are a good opportunity to inspect their property before harsh conditions worsen existing problems.

Loose shingles, weak tree limbs, poor drainage, and fence panels that have started to lean may seem minor, but they can become serious concerns when strong winds and heavy rain occur together.

Addressing these small issues early can help reduce the risk of larger weather-related claims.

At United Insurance Services, we help homeowners understand how natural catastrophe insurance fits into everyday life in Utah’s changing weather conditions. If you have questions about your coverage or would like to review your current policy, contact United Insurance Services today.

Why Your Own Auto Insurance Pays For Medical Bills Regardless of Who Caused the Crash

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If you are injured in an auto accident near Bluffdale, UT, your auto insurance policy may help pay for medical treatment regardless of who caused the accident. Utah is a no-fault insurance state, which means medical care is prioritized over determining fault. Having the right coverage in place can help ensure you receive timely treatment after an accident.

At United Insurance Services, we help drivers design auto insurance policies that include adequate medical protection and comply with Utah no-fault requirements.

Why Utah Uses a No-Fault Insurance System

Utah adopted the Automobile No-Fault Insurance Act in 1974 as part of a nationwide effort to reduce delays and costs associated with auto accident claims. The system is designed to support several key goals.

  • Faster access to medical treatment
  • Reduced strain on the court system
  • More predictable insurance costs

In at-fault states, medical providers may wait months for payment while liability is determined. In Utah, personal injury protection coverage applies immediately, allowing injured drivers and passengers to receive care without waiting for fault decisions. This system helps limit minor lawsuits and reduces legal expenses tied to smaller claims.

Personal Injury Protection Coverage in Utah

Personal injury protection coverage is mandatory on all Utah auto insurance policies. Standard coverage includes the following minimum benefits.

  • $3,000 per person for medical expenses
  • $250 per week for lost income
  • $20 per day for essential services

Many drivers choose to increase their personal injury protection limits to $10,000 or more, as medical costs can quickly exceed the minimum coverage after a serious accident.

You may still be able to pursue a claim against an at-fault driver if your medical expenses exceed $3,000, or if the accident results in permanent disability, impairment, or dismemberment.

Let the professionals at United Insurance Services help you build an auto insurance policy that provides meaningful protection. Contact our Bluffdale, UT office to learn more about no-fault auto insurance and your coverage options.

Residential Insurance Tips for Family Heirlooms

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Your home insurance policy can help protect family heirlooms from natural disasters, criminal acts, and liability incidents. Understanding how home insurance safeguards both you and your belongings can help ensure your valuables remain protected for years to come.

Natural Disasters

The aftermath of a natural disaster can damage cherished family items. Furnishings, decorations, and other long-held possessions may be affected by events such as storms, fires, or other catastrophic incidents. Insuring these items can help reduce the financial loss associated with permanent damage.

For example, if a wall hanging or another treasured item is harmed during a natural disaster, your home insurance coverage may pay for cleaning or restoration services.

Criminal Acts

If your home is broken into, intruders may damage or destroy personal belongings, including valued family heirlooms. Repairing or replacing these items can be expensive.

Listing important items in your home insurance policy can help minimize your out-of-pocket costs. Depending on your coverage, your policy may pay for inspections, cleaning, or repair services after a burglary.

Liability Incidents

Certain family heirlooms may pose a risk to others. Large or fragile items could tip over and cause injury. Items placed in walkways could also contribute to falls or other accidents.

Identifying which heirlooms could create liability concerns and including them in your insurance discussions can help ensure proper protection. If you ever need to file a claim, your liability coverage may help pay legal fees or settlement costs.

Contact An Insurance Agency in Bluffdale, UT

Contact our United Insurance Services office to schedule an appointment with an agent. We can help you review the family heirlooms you want to insure and ensure you have the right coverage in place.

What Is Natural Catastrophe Insurance? Do I Need It?

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Natural catastrophes such as floods and earthquakes are not covered by standard homeowners insurance. If you want to protect your home from a wide range of natural disasters, you may need an additional insurance policy specifically designed to cover these types of events.

If you live in a high-risk area or simply want peace of mind, the professionals at United Insurance Services, servicing Bluffdale, UT, can help. We’ve partnered with numerous insurance carriers to offer a variety of insurance products to our customers, including natural catastrophe insurance.

What Is Natural Catastrophe Insurance?

Natural catastrophe insurance is a type of coverage that can pay to repair or replace damaged belongings and your home’s structure following a covered event. Some of the natural disasters covered by this type of insurance include earthquakes, landslides, and floods. Having this insurance can protect you from the financial burden of recovery after a disaster.

How Can You Get Natural Catastrophe Insurance?

The best way to obtain natural catastrophe insurance is to speak with an insurance professional. An independent insurance agent can assist by gathering quotes from various insurance providers. This allows them to shop around and find the best options for their clients.

Contact Us for Natural Catastrophe Insurance

Many people turn to United Insurance Services, servicing Bluffdale, UT, when seeking natural catastrophe insurance. As independent insurance agents, we provide our customers with options and help them find the right insurance product at the best price.

We can help you too! To start the process of shopping for natural catastrophe insurance, call today to speak with one of our insurance professionals.

What If Your Auto Insurance Doesn’t Provide Enough Coverage?

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Auto insurance is legally required, even though UT is a no-fault state. Drivers must have property and bodily injury insurance to cover the other person’s damages if they cause an accident. Personal injury protection (PIP) is also legally required to ensure your personal medical bills are covered. However, that doesn’t always mean there’s enough coverage. 

United Insurance Services, Inc., serving Draper, UT, explains. 

Low Coverage Minimums

Although coverage is legally required, the minimum requirements are often very low. PIP coverage must be at least $3,000 per person. These few thousand are supposed to cover your medical bills and lost wages. However, a helicopter ride to the hospital can cost up to $80,000. 

Bodily injury limits often run into the same problem when you have to pay for the other driver’s injuries. Property limits of $50,000 may cover the cost of a car, depending on the other person’s vehicle. It may not be enough to cover a telephone pole, a new gas pump, or a customized vehicle. 

An agent at United Insurance Services, Inc. can help you obtain higher limits to ensure you’re covered before an accident happens. 

What If You Don’t Have Enough Coverage?

If you’ve already been in an accident and don’t have sufficient coverage for damages, you’re still financially liable for medical bills, property damage, and more. You’ll more than likely face a lawsuit for property damages and possibly medical bills. If you don’t have the appropriate PIP for your injuries, you’ll face extreme financial hardship. 

Speak with one of our agents at United Insurance Services, Inc. to ensure you have ample coverage. We’re currently serving Draper, UT. 

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