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13894 S Bangerter Pkwy #250
Draper, UT 84020

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United Insurance Services, Inc. Blog

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.  

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.

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. 

Is my work shop covered by my homeowner’s policy?

When it comes to providing answers to insurance questions, the residents of the greater Bluffdale, UT area rely on the team at United Insurance Services Inc. Making sure that all of the buildings on your property are protected is an important part of finding the right home policy. Give us a call today with any questions that you may have. 

Protecting all of the buildings on your property

Many think that homeowner’s insurance will only cover their home, but this isn’t always the case. There are policies that will cover all of the properties on your properties, such as garden sheds, workshops, and other outbuildings. 

If you have buildings in addition to your home that you want to protect, it is possible to do so with a single policy. Your current homeowner policy may not provide adequate protection if you decide to build a workshop on the property. Because, even as there are a number of different policy options when it comes to these types of structures, not all do.

Take the time to carefully review your current policy, or take the time to sit down with your local agent to discuss it. Having the right protection in place for your workshop can be of great importance if there is a loss or catastrophic event. Going without the proper coverage could mean that you and your family are financially responsible for any loss that occurs in that building. 

You can rely on us for all of your insurance needs!

United Insurance Services Inc. is here to serve all of the insurance needs of the greater Bluffdale, UT community. If you have any questions related to any type of insurance, please get in touch! Feel free to stop by our office or give us a call today!

Unusual Circumstances Home Insurance May Cover

Most homeowners think about a tree limb puncturing a roof or a windstorm causing shingles to fly off the roof when it comes to home insurance claims. While these situations are generally covered under a typical insurance policy in Draper, UT, home insurance offers protection for a number of situations, many of which you may not think about. United Insurance Services, Inc. shares a few of those unusual circumstances.

Dog Bites

In the event that your dog escapes the backyard and hurts a passerby, things can get serious. Depending on the severity and location of the bite, the medical expenses this person has to pay can be significant. There is also a risk of a lawsuit.

The good news is your home insurance will pay for most expenses associated with a dog bite. Of course, you will need to first ensure that the breed of your dog is not an excluded breed from your policy.

Spoiled Food

If you have a large freezer or a separate deep freeze, you may stock up on certain foods when they are on sale. Unfortunately, it only takes a lengthy power outage for these foods to thaw and spoil. During the summer, the outage doesn’t even have to be very long.

In the event this happens to you, you should speak to your insurance company about reimbursement. Although not all, many insurers offer coverage for situations like this one.

Fire Department Fees

If your house catches fire, the effects can truly be devastating. This is true even if the fire department is able to arrive and put the fire out. Unfortunately, some fire departments charge you for their services (putting out the fire).

Luckily, your home insurance policy will usually cover these charges as well as the cost of property damage from the fire.

When you need home insurance for your property, reach out to the agents at United Insurance Services, Inc. serving the Draper, UT area.

How you can protect your home from a natural catastrophe

If you are a homeowner in the greater Bluffdale, UT area, the team at United Insurance Services Inc. is here for you. We are proud to serve the insurance needs of our friends and neighbors in this wonderful community. Call or stop by our office today to find out the many policy options that can help you keep your property protected.

Keep your home protected with a robust homeowner’s policy

Our homes are likely to be the largest financial investment that we make in our lifetimes. By having catastrophe insurance in place, you can be sure that your home is protected. We never know what Mother Nature may send our way, and it is best to be protected! Having a local agent help you review your insurance for completeness is a great first step.

When it comes to home and family, our houses are the bedrock of our happiness. Don’t neglect the sanctuary that is your home. Being underinsured can be almost as disruptive as having no insurance at all. As your home appreciates and gains value, you will want to ensure that your insurance policies keep pace. 

Now is a perfect time to review all of your policies and determine if you have the level of protection that you need to protect your home and family.

Don’t delay, protect your home now

United Insurance Services Inc. is here to provide the greater Bluffdale, UT community with the insurance coverage it needs. If you would like to learn more about the homeowner and catastrophe policy options that are available in our community, call or stop by our office today! 

Utah Home Insurance – What You Need To Know About Home Insurance

For most people, purchasing a home will be the largest purchase that they’ll ever make in their lives.  So why do so many people forgo having their homes insured once the house is paid off?  If you put it into common sense terms, you wouldn’t take a briefcase with $200,000 cash inside and just throw it into a bonfire, would you?  Because, in a sense, that’s what you would be doing if you elected not to have home insurance on a paid-off house and a disaster ended up happening.  Rolling the proverbial dice on a calamity not happening just to save money on the premium each month is simply foolish. United Insurance Services Inc. in Bluffdale, UT can answer any home insurance questions that you may have.

Home Insurance Basics

Most people who buy a house typically take out a loan or mortgage for a set amount of time (15 or 30 years) and during the life of the loan, you will need home insurance as a requirement to protect the lender’s interests or collateral.  You can have coverage limits set to any limit you’d like, although there is a required floor amount that must be used, usually the price of the home or the price of the loan in full.  The higher the coverage limits, the higher amount of premiums that you will pay to the insurance company every month.

Optional Add-Ons

You can also purchase liability coverage for the property to cover any issues that may crop up on the property outside the home.  These issues are more in line with people who may visit the property (friends, acquaintances, etc.) who could slip and fall or otherwise hurt themselves.  Flood insurance is also available in some areas where flooding is prevalent, this would protect your home and property from a catastrophic flood event.

For Further Information

You can learn more about home insurance by contacting United Insurance Services Inc. in Bluffdale, UT today.

How Home insurance Can Protect More Than Just Your Home

If you’re a homeowner in Bluffdale, UT you should be aware of how a home insurance policy can protect you in the event of damage or destruction to your property. United Insurance Services Inc. is here to help residents in the area to ensure that they have the best coverage possible for their homes and personal property.

While most mortgage lenders will require homeowner’s insurance as part of the terms of their loan, it isn’t required in Utah if you paid cash for your home. However, it is strongly recommended to have coverage for your home in the event that something happens and gets damaged or destroyed. Life can be unpredictable and it’s impossible to plan for every single scenario without some kind of protection in place.

Should anything unfortunate happen to your property or your belongings within the dwelling, a homeowner’s insurance policy will protect any damage that’s been done. Your home is possibly the most valuable investment you will ever make, and it’s crucial to protect it as such. Homeowners insurance provides that peace of mind for you, your family, and your belongings inside the property.

Homeowner’s insurance can also include liability coverage which protects you in multiple scenarios. Be sure to look into homeowner’s insurance in your area if you don’t already have it. 

Residents searching for homeowner’s insurance in Bluffdale, UT should consider an appointment with the experts at United Insurance Services Inc. We’ll make sure you are set up with the proper insurance coverage to protect your most valuable investment(s). Contact us today and one of our insurance agents will be happy to assess your needs and share the best options with you. 

Why Utah Residents Should Add Home Insurance To Their Summer/Vacation Home

United Insurance Services Inc. offers coverage to the Bluffdale, UT community, and the surrounding areas. We have built our foundation on offering our customers high-quality customer service. We closely analyze the individual needs of our clients to help them find policies designed to meet those needs. Our primary goal is to protect our clients whenever an emergency happens.

Why Insuring Your Summer/Vacation Home Is Beneficial

Owning a home is one of the biggest investments that you can make. Home insurance covers your prized possessions against possible damage. The physical structure of your property is covered if it is damaged or vandalized. This includes the internal features of your home, such as the walls and carpets. Your personal items inside your home are also covered if they are stolen or damaged. Home insurance also includes liability coverage which protects you in multiple scenarios. You are covered if you invite a guest to your home, and they suffer a serious injury. You are also protected if you accidentally damage someone’s property or if your pet causes damage.

During warm months, perhaps you spend more time at your seasonal home than your Bluffdale, UT home. In some cases, owning a vacation home is considered risky, which is why you should add coverage. Inquire about named perils coverage. This protects you if a natural disaster damages your vacation home, even if you weren’t there. You can also insure any personal items inside your vacation home. You have the option to amend your regular liability coverage so that you are protected if someone gets injured at your vacation home.

United Insurance Services Inc. Will Help Your Protect Your Investment

Visit our website to learn more information about home insurance.

What does typical Homeowners insurance cover?

Regardless of where your home is situated in Bluffdale, UT, you are bound to bask in the scintillating mountainous backdrops of the city. Irrespective of the perfect location that your household is located, you need to protect your investment. At United Insurance Services, Inc. in Bluffdale, UT, we offer various homeowners insurance coverages to ensure that you safeguard your home against imminent perils such as theft and other covered damages. Our charismatic agents work closely with our clients to craft coverages that are right for their situation.

A homeowners’ policy covers your home against fire, water damage, lawsuits, theft, and other covered losses stated in your policy document. This form of the policy gets designed to repair or replace your covered belongings regardless of age or current condition. Acquiring home insurance in Utah depends on several factors to determine the premium rates. They include:

  • Location.
  • Materials used for construction.
  • Age (how new or old the house is)
  • Swimming pool.
  • The type of coverage chosen.

Utah residents should choose a home insurance option that is perfect for their budget and lifestyle. In a nutshell, homeowners insurance provides financial protection against loss due to calamities, accidents, and theft. Visit us today at our offices and speak to our team. We will guide you through the process of obtaining home insurance matching your needs and budget.

What is covered under a home insurance policy in Utah?

  • Coverage for the structure of your home: This form of policy caters to renovating or reconstructing your house if it gets ravaged by fire, vandalism, or other calamities. They also cover detached structures such as a gazebo or a garage.
  • Coverage for your belonging: It protects your items such as sports equipment, furniture, and clothes if they are robbed or damaged by fire, hurricanes, or other insured calamities.
  • Liability protection: It covers you against lawsuits emanating from bodily injury or property destruction that you and your family members inflict on other people.
  • Additional living expenses: It caters to additional costs while you are away from your home if it is uninhabitable after damage from a covered peril.

Call or visit our offices at United Insurance Services, Inc., located in Bluffdale, UT, to get a customized quote on a homeowners’ insurance policy.