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United Insurance Services, Inc.

13894 S Bangerter Pkwy #250
Draper, UT 84020

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United Insurance Services, Inc. Blog

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.