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Utah Auto Insurance: Things You Need to Know

Do you live in or near Bluffdale, UT? Are you in need of auto insurance? If so, you should reach out to our experts at United Insurance Services Inc. But before you buy a policy, there are a few things you need to know about auto insurance in Utah. 

Minimum Coverage Requirements

Utah requires drivers to have a minimum amount of liability coverage in order to own and operate a vehicle, which includes $25,000 for bodily injury per person, $65,000 for bodily injury per accident, and $15,000 for property damage. It’s important to note that these minimums may not provide enough coverage in the event of a serious accident, so it may be wise to consider increasing your coverage. More coverage will cost you more in monthly premiums, but it could save you a fortune if you get in an accident.

No-Fault Insurance

Utah is a no-fault insurance state. This means that, regardless of who is at fault for an accident, each driver’s own insurance company is responsible for covering their medical expenses and lost wages. However, if your medical expenses exceed your policy limits or if your injuries are severe, you may be able to seek additional compensation from the at-fault driver. The circumstances of your case, as well as your policy, will dictate how the allotment of benefits is given.

Uninsured Motorist Coverage

Utah requires drivers to have uninsured motorist coverage, which provides protection if you are in an accident with a driver who does not have insurance. This coverage also helps in the event that the other driver does not have enough insurance to cover your damages. Either way, it is a requirement in the state of Utah and a good idea to have in general.

Optional Auto Coverage

In addition to the required minimum coverage, Utah drivers can also choose to purchase additional types of coverage, such as collision coverage, comprehensive coverage, and personal injury protection (PIP) coverage.

We Are Here To Help!

If you live in or near Bluffdale, UT, don’t forget to reach out to us at United Insurance Services Inc. to acquire auto insurance!

Is Owning a Home Without Home Insurance Worth the Risk?

Owning a home is among the largest investments for homeowners. Nonetheless, it is not illegal to own a home without home insurance. But is it worth the risk of leaving such an enormous asset unprotected? The experts at United Insurance Services Inc. can help you insure your Bluffdale, UT home and pick the best coverage options.

3 Major Risks of Not Having Home Insurance

Home insurance is an integral part of owning any home. Not only does it protect your home and personal assets from unforeseen damage, but it also protects you from any legal claims filed against you. Below are three dangers of not purchasing home insurance for your home.

Reduced Chances of Securing Financing

Although it is not mandatory to take out home insurance, lenders require that those who wish to secure financing to buy their home should purchase homeowners insurance. This helps ensure that their financial investment is safe in the event of damage to the property. So, unless you purchase your home by making a full upfront cash payment, it is vital to buy home insurance.

Paying Out-of-Pocket for Household Repairs

Many believe their homes are unlikely to experience significant damage, especially if they are in mint condition upon purchase. However, most homeowners will likely deal with at least one major repair. Thus, home insurance will ensure you can repair your property without going into debt whenever disaster strikes and you need to make repairs. 

No Protection Against Liabilities

Home insurance also helps in protecting homeowners against any liabilities filed against them. As a homeowner, you have a duty of care to your visitors and those around you. Failure to observe the responsibilities under duty of care could result in you getting sued. 

For instance, if a visitor trips and falls within your property, you could find yourself paying their medical expenses, compensating them for loss of income, and making any other payments that the court may see fit. Home insurance covers such costs, preventing homeowners from paying out-of-pocket for such liabilities.

Give Us A Call

Homeowners should be aware of the importance of home insurance. From the dangers listed above, it is evident that it is not worth the risk. So, if you want to purchase home insurance for your property and discuss the coverage options, contact United Insurance Services Inc. in Bluffdale, UT for more information. We will be happy to help you secure your home.  

What Types of Events Does Natural Catastrophe Insurance Cover?

At United Insurance Services Inc., serving the greater Bluffdale, UT area, one of the types of insurance that we are pleased to offer to both our residential and commercial customers is natural catastrophe insurance. This type of insurance helps to protect a home or business against some of the largest natural catastrophes, many of which are not covered by home insurance or commercial insurance products.

Unfortunately, though, this is not an insurance product many people are familiar with, and as such, they often ask what types of events this type of insurance protects against. 

What Types of Events Does Natural Catastrophe Insurance Cover?

Natural Disasters

Natural catastrophe insurance helps to cover many natural disasters that can occur. This includes earthquakes, floods, tsunamis, hurricanes, wildfires, and tornadoes. One of the biggest misconceptions out there pertaining to insurance is that your home or commercial insurance products will help to cover any damage done by these events, but most policies exclude natural disasters, which is why a natural catastrophe insurance policy can be beneficial. 

Human-Made Disasters

Natural catastrophe insurance also helps to protect against human-made disasters. This may include things such as damage done to your building or theft or personal property damage that occurs to your home or business due to a riot or a terrorist attack. 

Reach Out To Us

Natural catastrophe insurance helps to protect against many types of catastrophic events, including natural and human-made disasters. Here at United Insurance Services Inc., serving the greater Bluffdale, UT area, we would love to help answer any questions you may have about natural catastrophe insurance and help you find the right natural catastrophe insurance policy for your needs. Call us today to get the help you deserve. 

Some of the Most Common Natural Catastrophes in the United States

Sadly, natural disasters are a fact of life. In terms of climate and geography, the United States is immensely diverse. However, this also means that a wide range of natural disasters could impact families across the country. Natural catastrophe insurance will provide protection against many threats.

That said, it’s crucial to study insurance policies closely or to work with an insurance agent to make sure that any given insurance plan protects against specific threats to you, your family, and your home. 

Contact United Insurance Services Inc., serving Bluffdale, UT and many other communities, to discuss natural catastrophe insurance.

Some Common Natural Catastrophes

Let’s take a look at some of the most common natural disasters in the United States. While considering catastrophe insurance, it may help to know what some of the most common disasters are.


Wildfires are common throughout much of the United States. Part of California and other areas of the American West have suffered massive wildfires in recent years. Texas, North Carolina, and many other places have likewise suffered wildfires. Areas suffering draughts may be more likely to experience fires that quickly grow out of control.


Each year, there are 14 named storms, on average, in the Atlantic basin. These storms are named in part because they are so severe. Roughly eight such storms will reach hurricane strength with four considered major storms. Occasionally, hurricanes in the Pacific will impact the West Coast. While coastal regions are the most at risk, hurricanes can travel far inland.


While most common across the Midwest, tornadoes can strike elsewhere as well. Each year there are roughly 800 reported tornadoes. These weather events can cause hundreds of millions in damage per year, if not more.


Besides rising water levels, floods can cause mudslides and other problems. Typically, floods are only covered by specialized flood insurance programs. Even those who don’t live in high-risk flood zones should talk with an insurance agent about obtaining coverage.

Severe Storms

Tornadoes and hurricanes often get the most attention, but regular storms are a major risk too. High winds, falling debris, and heavy rains pose a variety of risks.

Give Us A Call

Natural catastrophe insurance is crucial. Contact United Insurance Services Inc. right away. We serve Bluffdale, UT and many other communities.

Three mistakes to avoid when you choose an auto insurance policy

The auto insurance policy you choose is important. You should choose carefully and avoid mistakes while selecting your policy. At United Insurance Services Inc., we can help motorists in Bluffdale, UT to choose a good policy.

Below are three mistakes to avoid when you choose an auto insurance policy:

Not getting enough quotes on auto insurance policies

It’s easy to get quotes on auto insurance policies from insurance companies. You should get quite a few quotes before deciding on the right policy. 

Requesting quotes from numerous insurance companies ensures that you’ll know you’re getting a competitive premium rate when you buy a policy. 

Being unaware of the details of the policy you purchase

Auto insurance policies can be complicated. Yet it’s essential that you understand the details when you purchase a policy. Make sure you understand exactly what your policy covers and what special features it offers.

Having a full understanding of your policy saves you from the stress of dealing with unpleasant disappointments when you are in an accident and need to file a claim. 

Failing to take advantage of the Internet during your search for a policy

The Internet is an essential resource when you are choosing auto insurance coverage. You can use our website to quickly and conveniently compare auto insurance options.

Contact Us Today

Are you in the process of choosing auto insurance coverage? We can help at United Insurance Services Inc. Visit our office or call us to get the details on the auto insurance policies we offer to vehicle owners in Bluffdale, UT. 

Are You a Homeowner? Make Sure You Have Home Insurance

If the answer to the above questions is “yes”, you want to protect the most valuable asset you have. If you live in or near Draper, UT, our team of insurance experts at United Insurance Services Inc. can get you started with a quote.

Why Home Insurance?

This insurance is important because it protects your home and personal belongings. If the unthinkable happens and your home becomes a total loss, insurance then becomes the main source of rebuilding funds. It will also provide liability protection for any legal action for damage or injuries to another person while on their property.

Homeowners insurance usually covers damage and destruction to a home’s exterior and interior, theft or loss of possessions, and personal liability if someone is injured on your property. The three basic levels of coverage are the actual cash value, the replacement cost, and the extended replacement value/cost.

A regular policy generally does not cover valuables such as artwork, jewelry, or collectibles. Also, it does not cover identity theft protection or damage resulting from a flood or earthquake.

Legally, you can own a home without this coverage. But if there is a mortgage or home equity loan holder on the property, this coverage is required. If you do not keep your home insured if there is a mortgage on it, the lender can force you into a more expensive policy, which is called a force-placed or lender-placed insurance policy, or he could send your loan to default. Not only does this cause your credit score to drop significantly, but it puts you at risk of losing your home to foreclosure.

Give Us A Call

If you are a homeowner or thinking about becoming one, call the professionals at United Insurance Services Inc. in Draper, UT for a quote. Contact us today. We will be glad to help.

Natural Catastrophe Insurance: What is it? Do I Need it?

Your home insurance covers your home against numerous natural disasters, including volcanic eruptions, hail, lightning, tornadoes, and wildfires. While your homeowner’s insurance covers you against a wide range of natural disasters, it doesn’t cover common risks like flooding and earthquakes.

Home insurance is a bare minimum if you want all-rounded protection for your home. If you live in an area ravaged by floods and earthquakes, invest in natural catastrophe insurance from United Insurance Services Inc. in Bluffdale, UT.

What is natural catastrophe insurance?

What does it cover?

This coverage is what you would expect from the name — it covers you against natural disasters. The coverage you receive depends on the vulnerability of your location. The common natural disasters covered by natural catastrophe insurance include:

  • Floods: Whether your home is located near a waterbody or not, it’s never safe from flooding. Flash floods are common and usually cause significant property damage when they strike. Since typical home insurance doesn’t cover flood damage, you must purchase supplemental coverage. This policy covers damage to your building and the contents inside.
  • Earthquakes: While earth movements and sinkholes can cause significant damage to your home, they aren’t covered by home insurance. Purchasing earthquake insurance covers your building, its contents, and loss of use.
  • Tornadoes: Typical home insurance covers damage linked to tornadoes — hail and windstorms. However, if you live in a location prone to tornadoes, home insurance won’t cover you against them. As such, please invest in separate coverage. 

Contact Us Today

Since you have invested a lot in your home, it makes sense to do everything possible to protect it. While home insurance is a powerful investment, it isn’t sufficient on its own. Do consider investing in natural catastrophe insurance to cover gaps inherent in your home insurance. Get in touch with United Insurance Services Inc. in Bluffdale, UT today for more information. 

What Should I Know About Roadside Assistance?

When you’re tiring to decide what coverage to have in an auto insurance policy, roadside assistance is an optional piece to consider. Here at United Insurance Services Inc. in Bluffdale, UT, we are committed to helping our customers understand everything they need to know.

Understanding Roadside Assistance

Roadside assistance is exactly what it sounds like. Should you have problems with your vehicle, such as a breakdown or dead battery, you have access to help. More importantly, it’s available 24 hours a day, whenever you need it. You might use these services to get a tow to a nearby mechanic or simply jumpstart your battery on a cold winter morning.

Coverage For Roadside Assistance 

As mentioned earlier, roadside assistance is an optional coverage that you can add to your auto insurance policy. Here are some situations where it could be useful for policy owners.

  • Dispatching a tow– Have you broken down on the side of the road? Roadside assistance can provide a tow (within specified mileage) to get the repairs you need. 
  • Jumpstart a battery or vehicle lockout- You can have someone come to your location should you get locked out of your car or you need to get your battery jumped.
  • Gas delivery- It’s common for motorists to misjudge how much fuel they have left. Roadside assistance can help should you run out of fuel unexpectedly.
  • Flat tires- Getting a flat tire is more common than you think. Calling someone to help repair it can keep you safe on crowded highways.

Find Out More About Auto Insurance

Are you considering auto insurance for a new or pre-owned vehicle? United Insurance Services Inc. in Bluffdale, UT would love to get you started. Get in touch with us today to learn more about our insurance options. 

Reasons You Need Home Insurance

When you buy your first home, you are probably worried about all of the costs that you are going to have over the next few years. Not only are you going to have a mortgage, but you also have to consider insurance and taxes. In fact, you may try to get away from homeowners insurance. However, that could be a big mistake. 

United Insurance Services Inc in Draper, UT can help you navigate this important insurance coverage.

Here are some reasons you should consider buying homeowner’s insurance:

Your homeowner’s insurance will help fix your home if something happens to it

There are many things that can happen to a home. A tree may fall on it. You may get hail or wind damage to your roof. It will even help with fire damage, among other things. 

It can also help with water damage

Plumbing problems can quickly become major problems, and your homeowner’s policy will help cover the damage that may occur with a leak. 

Homeowner’s policies also cover liability

This will basically protect you if someone gets injured at your home. It will help pay their medical bills, as well as any legal fees that you may be facing from the incident. 

Your mortgage company may require it

Most lenders want to make sure that their investment is protected. They want to make sure that the damage will get fixed. 

Though you may want to save money, it could be a big mistake. Your homeowner’s policy will help to fix up your home if something happens. It will also protect you if someone gets hurt. Your insurance company may also require it, in order to get a loan. 

Give Us A Call

If you want to make sure that your home is protected against anything that could happen, don’t hesitate to contact us today at United Insurance Services Inc in Draper, UT. 

Natural Catastrophes in Utah: What Kind Of Disasters Can You Expect

In Utah, you’re bound to experience a wild adventure at some point in your life. Our many valleys, canyons, mesas, and plateaus are a testament to how volatile our state’s natural environment can be. If you’re not careful and know what to expect, these natural hazards can wreak havoc on your life. We at United Insurance Services, Inc. in Bluffdale, UT help our clients navigate this important insurance covereage. 

Here is a list of our most common natural catastrophes:


Wildfires are a common occurrence in Utah. The state has one of the highest rates of wildfire per capita in the U.S. According to the National Interagency Fire Center, 1,085 fires scorched 60,863 acres in Utah in 2021 alone.

Flash Flooding

Flash flooding is a leading cause of natural disasters in Utah, according to the Utah Division of Water Resources. The state experiences flash flooding several times yearly, usually during the summer months. Intense rainstorms can cause flash floods, blocked storm drains, and overflowing rivers and reservoirs.


The steep and mountainous terrain of Utah is prone to landslides. The most endangered lands include agricultural lands, rangelands, and residential properties. Over 10 million acres in the state are at risk for slope instability, including urban areas such as Ogden and Summit County.

Give Us A Call

Your home is a personal sanctuary, and you want to protect it from any disaster. Preparing for sudden events such as earthquakes, wildfires, floods, and even tornadoes is essential. While you can’t prepare for every possible disaster that might strike your home, you can protect yourself financially with a natural catastrophe insurance policy from United Insurance Services, Inc. in Bluffdale, UT. Contact us online, over the phone, or in-person to learn more!

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