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Catastrophe Insurance Can Protect You From Unexpected Disasters

The concept of catastrophe insurance is something you need to understand if you want to keep your home or business safe. Our team at United Insurance Services Inc. can help you pick a policy that makes sense for your Bluffdale, UT home. Here’s what you need to know about how it can help you.

What Catastrophe Insurance Protects Against 

Catastrophe coverage is designed to protect you against various unforeseen and mostly natural disasters that could seriously damage your home or business. In Utah, there are many levels of protection that you might need, though some are more important than others. Just a few coverage options here include:

  • Earthquakes
  • Land/mudslides
  • Sinkholes
  • Floods
  • Terrorism
  • Wildfires
  • Tsunamis
  • Tornadoes
  • Hurricanes

This extra coverage is often relatively inexpensive to add as a rider to your current policy, so make sure that you talk with your agent to learn more about what’s available to you.

Why It’s Wise 

A typical home insurance policy can help protect against common dangers like fire, lightning, windstorm, hail, explosion, riot, vehicle damage, vandalism, and malicious mischief. However, it doesn’t cover the specific things we highlighted in the previous section. 

As a result, if any of those problems impact your home, your policy isn’t going to protect you. If you live in an area that’s prone to any of these catastrophes, it’s critical for you to consider this protection. Doing so can ensure you get the protection you need to keep your home safe.

We’re Here for You

With the help of our crew at United Insurance Services Inc., you can get the Bluffdale, UT catastrophe insurance you need to keep your facility safe. Please don’t hesitate to reach out to us if you’re interested in this support. We’ll do what we can to ensure you get the best possible quality.

Does Homeowner’s Insurance Cover Natural Catastrophes?

One of the most common questions new homeowners have is, "Does homeowner’s insurance cover natural catastrophes?" Natural catastrophes including events like fire, flood, hurricane, earthquake, and tornado, and can cause extensive damage to both the interior and exterior of your home. United Insurance Services Inc. in Bluffdale, UT is here to help.

Here’s what you need to know:

Coverage Depends on the Specific Policy

Your coverage always depends on the language in your policy, so it’s important to discuss your needs with a licensed agent, who can ensure you have adequate coverage for your region. 

Many Natural Catastrophes are Covered

Damage caused to your home by these natural catastrophes is covered by most homeowner’s policies: 

  • Fire – except in certain cases, damage caused by a house fire is typically covered
  • Hail – most homeowner’s insurance policies cover damage caused by hail
  • Wind – high winds can damage your shingles, siding, fascia, and more, and these damages are often covered by homeowner’s insurance
  • Winter storms – while damage from winter storms is less common, it’s typically covered by homeowner’s insurance

Some Natural Catastrophes are Not Covered

Although coverage varies, these natural catastrophes are typically covered by a separate, additional policy and not by standard homeowner’s insurance: 

  • Flood – except in very specific circumstances, flood damage is not generally covered by your homeowner’s insurance; you’ll need a separate policy to cover damage from flooding
  • Hurricane – damage caused by a hurricane typically falls under hurricane insurance rather than homeowner’s insurance
  • Earthquake – damage caused by an earthquake is typically covered by earthquake insurance, which you need in addition to homeowner’s insurance if you live in a high-risk area

To learn more or get your quote for homeowner’s insurance, visit us at United Insurance Services Inc. in Bluffdale, UT today. We can help ensure you have the right coverage for your property and region. 

How Does Catastrophe Insurance Overlap With Other Coverages?

Owning property in Bluffdale, UT, you want to be sure you’re protected from events that can create significant damage. Major storms, calamities, and the like are scary prospects, and it turns out that there’s a type of insurance made just for these events: catastrophe insurance.

But doesn’t your home insurance policy already cover a lot of this? How do the two work together? We get these questions a lot at United Insurance Services Inc., so we made a quick guide to help you understand common points of overlap between catastrophe insurance and other policies. As you read, remember that every policy is unique; these are only general comparisons.

Homeowner’s Policies

Catastrophe insurance is largely designed to cover gaps in typical home insurance policies. This includes natural disasters like floods and earthquakes. It also includes human disasters, like riots. In most cases, a home policy won’t have any overlap with catastrophe coverage, and that’s the point.

This largely holds true for commercial property insurance as well. The catastrophe policy is designed around traditional exceptions of coverage in property insurance. You won’t see very much overlap, if any, remembering that each policy is unique and will have specific differences in coverage.

Hazard Insurance

On the other hand, hazard insurance and catastrophe insurance tend to have a lot of overlap. With some providers, these are two names for the same insurance, but with many providers, there are subtle differences that are worth noting.

In general, hazard insurance is designed for the so-called acts of God. Major storms are a big example. Many home policies have limited or no coverage when it comes to “acts of God,” and hazard insurance is designed to make sure you are covered for those events.

Catastrophe insurance covers many of those same gaps, but it adds more coverage in terms of human-called catastrophes, like riots.

We Are Here To Help!

In all, catastrophe insurance is a great way to make sure your property in Bluffdale, UT, is covered from some of the most devastating events that can happen. If you would like to explore this idea in greater detail, contact your United Insurance Services Inc. representative today.

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.

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. 

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!

Levels of Natural Catastrophe Insurance

Your home insurance covers you for a specific set of perils; typically 10, 16, or all perils. However, you need to add natural catastrophe insurance to cover earthquake, flood, and landslide perils. No home insurance covers floods and most don’t cover earthquakes or landslides, even with all-perils coverage. You can still protect your home or business from these three perils with natural catastrophe insurance, also known as Nat Cat insurance.

The insurance industry realizes that there is no one size fits all policy. You can choose from various levels of coverage, including:

  • Contents only,
  • Structural only,
  • Contents and structural.

If you rent your home, you would require a contents-only policy. Your landlord would choose a structural policy if they rent an unfurnished home, but a contents and structural policy if they rent a furnished home. Likewise, if you own your home, you would choose contents and structural coverage.

You can reside in any type of abode and obtain cat insurance. This includes mobile homes as long as they use tie-downs to ensure they remain anchored to the ground.

With respect to the flood coverage in the cat insurance, you can obtain it through the government’s National Flood Insurance Program (NFIP) or through the Natural Catastrophe Insurance Program (NCIP). Either option fulfills the flood insurance requirement of a financial lending institution from which you obtained your mortgage.

For more information on Nat Cat insurance or to get a quote on coverage for your home or business, contact United Insurance Services Inc. serving Bluffdale, UT. Let us help you properly insure your home against natural catastrophes.

Tips for Buying Natural Catastrophe Insurance

One cannot underestimate how vital insurance is, especially when a natural disaster strikes your home. It cushions you from a colossal loss, ensuring you are back on your feet within no time. However, when you are buying natural catastrophe insurance, there are things you have to consider to ensure you are getting sufficient protection. To make it easy for you, United Insurance Services Inc. serving residents of Bluffdale, UT, explains some tips to consider when buying this type of insurance.

First Get to Know Your Coverage

You need to know what your homeowners’ policy covers first before buying natural disaster insurance. A standard homeowners’ policy may exclude losses like earthquakes, landslides, and floods. This is especially important when you live in an area prone to any natural disasters. It will ensure you have adequate protection after a disaster.

Make an Inventory

Create an inventory of all the items in your home, and should you renovate it, ensure you have updated the list. You will also have to review it with the insurance company to ensure you are adequately insured. After a disaster, it will be easy to prove any incurred losses. Make sure you and the insurance company both have copies of this list.

Factor in The Value of Replacing Your Belongings

When you are making an inventory, it is also good to note down the cost of those items. This will guide you in buying adequate insurance. If you underinsure your property, then after a natural disaster, you will have to go back to your pocket to cover some losses.

Reinforce Your Home

When you live in disaster-prone areas, consider reinforcements like installing storm shutters, smoke detectors, and fire sprinklers. It will help lower your premiums since you will be minimizing damage to your property.

When it comes to insuring your home from natural disasters, you should not compromise. In the long run, you are the one who will benefit. For more information on natural disaster insurance, contact United Insurance Services Inc. today. Located in Bluffdale, UT, we will help answer any questions you have and assist you in buying the proper coverage.

Who Needs Catastrophe Insurance in Utah?

At United Insurance Services Inc., we provide Bluffdale, UT residents with high-quality catastrophe policies. But what is this type of insurance, and who needs it? Understanding the advantages of this insurance will help ensure you are fully protected and safe from severe financial loss.

Defining Catastrophe Insurance

Catastrophe insurance policies cover specific events that are generally excluded from homeowners insurance. These coverage options typically require a homeowner to identify what type of natural or man-made disasters that they want in their coverage, including things like:

  • Landslides
  • Mudslides
  • Sinkholes
  • Earthquakes
  • Natural floods

Business owners may also get high-quality catastrophe insurance designed specifically for their business needs. In Utah, the types of catastrophes covered will vary. Since the area isn’t prone to events like hurricanes, it may be hard to understand who would even need this type of coverage. However, it is often a good option for many homes or business owners.

Who Needs This Coverage

Although Utah may not seem like a hotbed of natural disasters, many types may occur throughout the state, including:

  • An estimated 800-1,000 wildfires every year
  • Heavy floods caused by melting snow
  • Intense winter or rainstorms
  • Landslides and mudslides near mountains
  • Earthquakes on one of the 200 Utah faults
  • Tornadoes during extreme weather

As you can see, this state is just as prone to natural disasters as any other – perhaps even more in danger than some other areas. And a catastrophe insurance policy will help minimize this risk of financial loss as much as possible.

Finding a Good Policy

If you’re worried about any of these natural disasters in Bluffdale, UT, and want catastrophe coverage, contact us at United Insurance Services Inc. We believe that most home and business owners should have catastrophe coverage, as it represents a small investment that could protect you in significant ways.