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13894 S Bangerter Pkwy #250
Draper, UT 84020

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United Insurance Services, Inc. Blog

Category: Home Insurance

Does Home Insurance Cover Plumbing Leaks?

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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 Your Home Insurance Agent Wished You Knew

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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.

Home Insurance Essentials

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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.

Three rules to follow when you buy home insurance

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Buying home insurance protects your home’s value. You can insure your home in Bluffdale, UT with a policy from United Insurance Services Inc. There are a few rules you should follow whenever you buy home insurance.

Here are three key home insurance rules to be aware of:

Get an estimate on the replacement cost of your home

Choosing a home insurance policy that covers the replacement cost of your home is important. The replacement cost is the amount it would cost to completely rebuild your home if it was destroyed. 

If you are paying off a mortgage on your home, your mortgage lender will probably require you to be insured for your home’s replacement cost. This makes it important to determine what the replacement cost of your home is. 

Make minor repairs that bring down your premium

Your insurance provider will want to inspect your home before offering you coverage. After this inspection, your insurance provider might suggest home improvements you can make that will lower coverage costs or qualify you for coverage.

Be sure to make any minor repairs that will save you money on home insurance. 

Compare costs among different home insurance providers

Getting policy quotes is one of the most important steps when you buy home insurance. When you compare quotes, you can evaluate how competitively priced they are. You can also compare the coverage offerings of different companies and evaluate the customer service of various insurance providers. 

Looking For Home Insurance?

If you need a quote on an insurance policy for your property in the Bluffdale, UT area, we can help you at United Insurance Service Inc. Get in touch with us for information on our insurance offerings. 

Is Owning a Home Without Home Insurance Worth the Risk?

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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

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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

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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?

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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

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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

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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! 

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