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189 E. Fort Union Blvd, Suite 101
Midvale, UT 84047

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United Insurance Services, Inc. Blog

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.

Tips for making your home safer

Home safety is a major concern for many reasons. Every year in the United States, more than 150,000 people die due to accidents, and 75% of these are at home. Making sure your home is safer is a top priority. At United Insurance Services, Inc. in Bluffdale, UT, we take our clients’ safety seriously and want to make sure we help them feel secure with good home insurance. As independent agents, we can offer more choices and better prices.

Home safety is not just one thing; it is a combination of things. It starts with making sure that your home is in good repair. An uneven walkway can lead to falls and injuries. A loose or damaged railing can also lead to a fall. Falls are one of the main causes of injuries at home, and keeping them from happening is better than trying to recover from one.

Home security is another safety issue that should be addressed. Home security systems are easy to install and affordable. It can be as simple as a doorbell camera or a monitored system. If this isn’t something that you want at your home, make sure you have deadbolts on your doors and that all your windows have locks. Keep shrubbery low around your home and install motion detector lights.

Inside your home having smoke and carbon dioxide detectors is a must. Not only do they add safety, but they are an early warning system if there is smoke or carbon dioxide in your home, especially when you are sleeping. Having an escape plan is also a good safety measure to have in place.

A home is a place you should feel safe, and these are just a few ways to make it safer. Contact United Insurance Services, Inc. in Bluffdale, UT to find out more about home insurance.

How a home inventory makes filing a home insurance claim easier

Owning a home is something you have dreamed of, and now you have closed on your home and gotten your first home insurance policy. The last thing you want to think about is having to file a claim. Almost 6% of homeowners filed a claim against their policy in 2018. Most of them were for theft. That is the loss of personal property, and having a home inventory can make filing a home insurance claim easier. At United Insurance Services, Inc. in Bluffdale, UT, you can count on us to ensure your insurance needs are met.

Making a home inventory takes time. Most people are busy and put off doing it, but you will be so grateful you took the time if you ever have to file a claim. You have several options when it comes to making the inventory. You can use a pad and pen, or you can use your phone or camera to make a digital record. A combination is probably the best option. Go through each room in your home and record all the items in it. Open cupboard and closets, go through drawers, top to bottom, include everything.

Details are important. Include brand names, models, and serial numbers for electronics. If you have the receipts put them together with the inventory. Don’t forget to go into your basement and the attic. You are going to find you have a lot more personal property than you ever knew. When you are done, you must find a safe place to save this record. A safety deposit box is a good option, but if that isn’t possible, a box that is water and fireproof is the next best thing.

If you want an insurance agent who will offer you lots of choices and put your needs first, United Insurance Services, Inc. in Bluffdale, UT would love to give you a no-obligation quote. Contact us at our office to set up an appointment.

Is Home Insurance Required in Utah?

You’ve recently bought a home in Utah, and are considering home insurance to protect it from harm. If you’ve taken out a loan for your home, your mortgage company will probably require you to purchase home coverage. If you paid cash for your dwelling, home insurance isn’t a requirement by law. At United Insurance Services, Inc. in Bluffdale, UT, however, we recommend you purchase this coverage to protect your valuable investment against unexpected loss. Here’s how home insurance works to protect your home.

Types of Coverage

A standard home insurance policy offers the following basic coverage:

  • Dwelling – protects your home structure from damage or total loss
  • Additional Structures – protects other structures on your property that aren’t attached to your home, such as a utility shed or gazebo
  • Property – protects your belongings
  • Liability – covers accidents that result in injuries or property damage to guests visiting your home

Your home may be your most costly investment. If it’s damaged or destroyed in a natural disaster, you could lose everything. With home insurance, you can have the financial resources to replace your goods and rebuild your home after a disaster, enabling you to carry on. If an accident occurs on your property, and you’re held liable for injuries or damages, liability coverage will cover medical and property damage costs.

Scope and Amount of Coverage

You can customize your home insurance package to get the essential coverage you need. When purchasing dwelling and property coverage, take time to determine what you would need to replace your home or goods if they were lost in a disaster. Pricey goods such as elegant jewelry or high-end electronics may need extra protection in the form of an insurance rider to fully cover their value.

To learn more about home insurance policies and costs, talk to a United Insurance Services, Inc. agent in Bluffdale, UT today.

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