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13894 S Bangerter Pkwy #250
Draper, UT 84020

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United Insurance Services, Inc. Blog

The Importance of Regularly Testing Your Home’s Smoke Alarms

At United Insurance Services Inc., serving the greater Bluffdale, UT area, we prioritize your safety and peace of mind. One of the simplest yet most effective ways to protect your home and loved ones is by regularly testing your smoke alarms. Let’s explore why this small task is so crucial.

Helps Save and Prevent Injuries

Smoke alarms are one of the best tools for alerting people in a building that there is a fire. They provide early warnings that can mean the difference between life and death. Regular testing ensures that these devices are functioning correctly, giving people the precious minutes needed to escape in case of a fire.

Protecting Your Property

A working smoke alarm can alert you to a fire before it spreads, potentially saving your home from extensive damage. Early detection can lead to faster response times from fire services, minimizing the destruction of your property and belongings.

Compliance with Safety Codes

Many local building codes and insurance policies require functioning smoke alarms in homes. Regular testing ensures you are compliant with these regulations, which can be crucial if you ever need to file an insurance claim. Non-compliance can sometimes lead to denied claims or increased premiums.

Peace of Mind

Knowing that your smoke alarms are in good working order provides peace of mind. It’s one less thing to worry about, allowing you to focus on enjoying your home and time with family.

At United Insurance Services Inc., we care about your safety. Keeping your smoke alarms in working condition is vital to home maintenance and can also impact your home insurance. If you have any questions about home insurance or need assistance with your policy in Bluffdale, UT, don’t hesitate to reach out. 

Policy Review: When to Upgrade Your Catastrophe Insurance

When is the right time to review and potentially upgrade your catastrophe insurance? Here at United Insurance Services Inc., serving Bluffdale, UT, and surrounding areas, we believe keeping your insurance policies always updated is crucial. Don’t know when to upgrade? Here’s how to determine when an upgrade might be necessary for your catastrophe insurance.

Reviewing Your Policy

Catastrophe insurance is designed to protect you from the financial fallout of natural disasters such as earthquakes, floods, and severe weather occurrences. Regular reviews of your policy are essential since these risks can happen over time due to changes in climate patterns and urban development. 

Indicators That It’s Time for an Upgrade

Several indicators suggest it might be time to upgrade your catastrophe insurance. These include significant changes in your area’s risk profile, such as increased frequency of natural disasters or new development in flood-prone zones. Changes in your life, like home renovations or acquiring valuable personal property, can also indicate a policy upgrade.

Upgrading Your Policy

Upgrading catastrophe insurance may involve increasing coverage limits, adjusting deductibles, or adding coverage for specific types of events not previously included in your policy. It’s also an excellent opportunity to reassess your overall insurance portfolio to ensure that it provides comprehensive protection without any gaps. We are here to help.

Ready to Review and Upgrade Your Catastrophe Insurance?

If you’re in Bluffdale, UT, or the surrounding area and are considering whether your catastrophe insurance meets your current needs, let’s connect here at United Insurance Services Inc. We’re here to help you navigate your insurance options and ensure that your coverage is as resilient as you are.

Does Auto Insurance Cover Rust?

Understanding Rust Damage and Auto Insurance Coverage

Rust might appear to be a minor cosmetic issue, but it can lead to severe implications beyond the aesthetics of your vehicle. Issues range from compromised structural integrity to potential safety hazards. At United Insurance Services Inc. in Bluffdale, UT, we believe in educating our customers about the limitations of their auto insurance policies concerning rust damage.

Rust Coverage and Auto Insurance

Generally, auto insurance does not cover rust damage, as it is typically considered a result of natural wear and tear rather than an unexpected or accidental event. As such, car owners must regularly inspect their vehicles and take necessary precautions to prevent rust formation and check its spread.

Steps To Control Rust Damage

While auto insurance does not typically cover rust damage, adopting certain practices can help control its impact. For instance, rustproofing treatments can immensely help prevent the spread of corrosion on your vehicle, potentially averting expensive repairs in the future. Similarly, a clean and dry car interior can inhibit rust formation on metal surfaces. Thus, regular, proactive vehicle maintenance can avoid future considerations related to rust damage.

Get In Touch With United Insurance Services Inc.

At United Insurance Services Inc. in Bluffdale, UT, we strive to provide quality coverage and help our customers understand their policies better. Reach out to us today for more about auto coverage and advice on managing rust on your car.

Does Home Insurance Cover Plumbing Leaks?

United Insurance Services serves the Bluffdale, UT area, and our expertly trained team can provide you with reliable home insurance. As professionals and experts in this field, we know how important protecting your home and personal property is in the context of your life. Here, your policy will be tailored to meet your specific needs and offer comprehensive coverage for your safety. We assess your situation and find the best plan based on your needs in the most affordable way. We’ve got you covered regardless of whether you are a new homeowner or an existing one planning an upgrade. Your support will be provided by specialists in the industry who are superbly skilled and knowledgeable. Trust us to offer you the best homeowners’ insurance plans that suit your needs.

Home Insurance Coverage

While closing your deal with a home insurance company like United Insurance Services, Inc., based in Bluffdale, UT, you must review your insurance details to understand what your insurer offers in the policy regarding plumbing leaks. Usually, a standard home insurance policy covers sudden, accidental plumbing leaks that cause damage to your property. However, the deterioration caused by minor leaks or regular wear and tear is not typically included in comprehensive insurance. It’s important to act swiftly and resolve all plumbing issues at home before they become larger and more damaging, in addition to contacting your insurance company to find out whether your policy will cover you. Maintain open communication with United Insurance Services Inc. and proactively manage your home. Then, you can rest assured that you will be ready if a plumbing problem arises. Remember that proper knowledge, coupled with quick responsiveness, is the foundation of your home and is secured against damage that can be caused by leaking plumbing problems.

Get Quality Home Insurance Near Bluffdale, UT Today

Whether you need a new home insurance policy in Bluffdale, UT, or are looking to switch providers, trust in the proficiency of United Insurance Services Inc. Our team is dedicated to offering high-quality home insurance coverage that will meet your specific requirements. Delivering excellent customer service and having a strong knowledge of the local area, we ensure you’ll always feel secure because your home is guarded against unpredictable events. Contact us today to get insurance that can cover all your needs and ensure your assets are safe.

What benefits come with a natural catastrophe insurance plan in Utah?

The Importance of Natural Catastrophe Insurance for Real Estate in Bluffdale, UT

Investing in real estate in Bluffdale, UT has been advantageous for many. However, if you’re planning to buy property in this part of Utah, it’s important to obtain proper insurance. In addition to standard home insurance, you should also consider getting natural catastrophe insurance. This special kind of coverage comes with several benefits.

Catastrophic Event Protection

A significant reason to get natural catastrophe insurance in addition to your standard home insurance is to prepare for the worst. Many people find typical home insurance plans don’t offer full coverage for natural catastrophes like earthquakes or named storms. Therefore, securing additional coverage is essential, ensuring you have the financial support to repair or rebuild your home if it’s damaged during a natural catastrophe.

Additional Coverage Options

Getting a natural catastrophe insurance plan can offer other coverage benefits. This type of insurance can provide funds to replace your personal belongings, cover temporary housing costs, and pay any emergency repair charges incurred.

If you’re interested in buying a home in Bluffdale, UT, consider reaching out to us at United Insurance Services Inc. Understanding your insurance needs and options when buying a property is crucial. Our team of professionals at United Insurance Services Inc. can help you assess your situation to decide if getting a natural catastrophe insurance plan is the correct choice for you.

Four of the most important things motorists in Utah need to know about auto insurance

If you are a motorist in Utah, you need to understand your obligations for purchasing auto insurance coverage. At United Insurance Services Inc., we can meet the insurance needs of motorists in Bluffdale, UT.

Here are four of the most important things motorists in Utah need to know. 

Utah motorists need to carry enough bodily injury and property damage coverage.

Motorists in Utah need to meet the state’s minimum coverage requirements. Auto insurance policies need to include $65,000 in bodily injury coverage per accident and $15,000 in property damage coverage. 

Utah motorists are not required to carry uninsured motorist coverage.

Utah motorists have the option of adding uninsured motorist coverage, but they are not required to carry this type of coverage by law. However, having uninsured motorist coverage is important for complete financial protection on the roads. 

Utah is a no-fault state when it comes to auto insurance.

There is a no-fault system in place for handling car accident damages in Utah. This means that a motorist will be covered for accident damages to themselves and their own vehicle regardless of who is at fault in an accident. 

Utah motorists need to carry proof of insurance with them in their vehicles.

If you get pulled over in Utah, you’ll need to show the law enforcement officer that you have insurance. It’s important to carry your auto insurance card with you wherever you go in your vehicle to prove that you’re meeting the state’s insurance requirements. 

Get a quote on an insurance policy today by calling us at United Insurance Services Inc. We offer quality auto insurance coverage to vehicle owners in Bluffdale, UT. 

What Your Home Insurance Agent Wished You Knew

At United Insurance Services Inc., we’ve helped many Bluffdale, UT residents find excellent home insurance policies at reasonable rates. However, we know that some homeowners don’t understand insurance. Here’s what we want you to know. 

Your Policy Doesn’t Cover Everything 

When we ask you to upgrade to flood and earthquake coverage, we’re not trying to get you to pay more money. Instead, we’re trying to protect you because most homeowners don’t know that a basic policy isn’t going to cover those disasters for their homes.

Wear and Tear Aren’t Protected 

When your home experiences a problem due to wear-and-tear issues, you’re not covered. That might seem frustrating, but these issues are preventable. If you’re careful about how you repair your home, you might never run into these types of issues. 

Coverage Gaps are a Real Problem 

We get that some people cancel their insurance so they can shop for other policies. However, that step leaves a gap that might cause you to get higher rates, as you’ll be seen as a risk. Don’t let your policy lapse at all: buy another one to replace a current coverage type.

Liability Coverage is Essential 

No matter how you use your home, make sure you max out your liability protection. You might even want an umbrella policy. After all, if somebody gets hurt in your house, you’ll appreciate that extra layer of protection to ensure you don’t get financially impacted.

We’re Here for You 

If you need help with your home insurance, call us at United Insurance Services Inc. to learn more. We can help Bluffdale, UT, residents find the policies that make sense for their needs. We’ll do what we can to identify your best options and give you the support you need.

Catastrophe Insurance Can Protect You From Unexpected Disasters

The concept of catastrophe insurance is something you need to understand if you want to keep your home or business safe. Our team at United Insurance Services Inc. can help you pick a policy that makes sense for your Bluffdale, UT home. Here’s what you need to know about how it can help you.

What Catastrophe Insurance Protects Against 

Catastrophe coverage is designed to protect you against various unforeseen and mostly natural disasters that could seriously damage your home or business. In Utah, there are many levels of protection that you might need, though some are more important than others. Just a few coverage options here include:

  • Earthquakes
  • Land/mudslides
  • Sinkholes
  • Floods
  • Terrorism
  • Wildfires
  • Tsunamis
  • Tornadoes
  • Hurricanes

This extra coverage is often relatively inexpensive to add as a rider to your current policy, so make sure that you talk with your agent to learn more about what’s available to you.

Why It’s Wise 

A typical home insurance policy can help protect against common dangers like fire, lightning, windstorm, hail, explosion, riot, vehicle damage, vandalism, and malicious mischief. However, it doesn’t cover the specific things we highlighted in the previous section. 

As a result, if any of those problems impact your home, your policy isn’t going to protect you. If you live in an area that’s prone to any of these catastrophes, it’s critical for you to consider this protection. Doing so can ensure you get the protection you need to keep your home safe.

We’re Here for You

With the help of our crew at United Insurance Services Inc., you can get the Bluffdale, UT catastrophe insurance you need to keep your facility safe. Please don’t hesitate to reach out to us if you’re interested in this support. We’ll do what we can to ensure you get the best possible quality.

Is a Car Accident a Criminal Offense?

Driving is something that many people do on a daily basis, whether for work, errands, or leisure. The more you’re out there on the road, the higher the chances are that you’ll become involved in a car accident at some time or another. Many people who have never been involved in a car accident before might wonder if a car accident is a criminal offense. United Insurance Services Inc. is here to assist. In most cases, car accidents aren’t crimes, but here is an overview that explains when a car accident can become a criminal offense. 

Drunk Driving

Whether you’re in Draper, UT or some other city or state, driving drunk is a crime. Driving while intoxicated becomes an even worse crime if you end up causing a car accident. Killing someone while driving drunk is an even more severe crime. You could face significant prison time for committing such an act. 

Hit & Run

A hit-and-run is when a person causes a car accident and immediately flees the scene. Regardless of the reason you decide to leave the scene following an accident, it is considered a criminal offense. After any car accident, even if you hit a parked vehicle, the procedure is to contact the police first and your insurance second. The police will ensure that you or any passengers are transported to the hospital if medical treatment is necessary. 

Schedule A Consultation Today

As you can see, a car accident isn’t always a criminal offense, but certain instances can cause an innocent car accident to escalate and become a crime. Road rage is another instance in which a car accident can be considered a crime. If you’re in need of a new auto insurance provider, we at United Insurance Services Inc. in Draper, UT are accepting new customers. Contact us today for a quote, and one of our licensed insurance agents will be happy to assist you. 

Home Insurance Essentials

Selecting the right home insurance policy can be challenging. At United Insurance Services Inc., we provide Bluffdale, UT homeowners with all of the tools that they need to make the best choice for their needs. Once it is time to get started, it is important for a homeowner to understand the most essential aspects of their policy. 

Home Insurance Essentials 

Checking In Early

When a potential homeowner is in the process of purchasing their first residence, they often fail to check in with an insurance agency like ours. In reality, those who check in early and start the process of obtaining homeowners insurance are going to have a much easier time finding the right policy. You should know whether you are able to insure a property before it is even purchased.

Ensure That You Have Enough Coverage

Many homeowners make the mistake of skimping on coverage but in reality? You should be speaking with our insurance agents so that you can ensure that you have enough coverage. Otherwise, your home and the assets within are not going to be covered in case of any number of major concerns that could arise over the course of your ownership.

Make a Plan For The Future

It is great to be prepared as early as possible but what is your plan for the future? When you speak with the good folks at United Insurance Services Inc., we are not merely interested in helping you choose a policy that works for your needs in the present. Your home (and your requirements) are going to evolve along with you. That’s why you need a team and a policy that can do the same.

Schedule A Consultation Today

Do you have any additional questions about your home insurance essentials? United Insurance Services Inc. in Bluffdale, UT is here to help you make sense of it all. Feel free to reach out to our experienced team of professionals as soon as you are ready to get started.

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