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13894 S Bangerter Pkwy #250
Draper, UT 84020

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A Look at Collision Insurance Coverage

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At United Insurance Services Inc., we’ve helped many Bluffdale, UT, residents get the help they need to protect their vehicles. For example, we’ve set them up with collision coverage and much more. But what exactly is collision protection? Here’s what you need to know.

What Your Collision Insurance Covers 

If you get collision coverage, you are protecting yourself from any collision problems that impact your vehicle. This type of policy is critical because other options may not cover this damage, and you’ll need protection to avoid serious financial issues. Collision coverage pays for:

  • Collision damage is caused when you hit another vehicle 
  • Damage repair after you hit another solid object 
  • Single-car accidents, including rollovers and falling over 
  • Any other collision-related problems that may affect you 

Collision coverage is single-minded in its level of protection. It will help you when you get into a collision and repair your vehicle to ensure that it is ready to get back on the road. Like all policy types, though, there are some limitations to consider here. These include problems like:

  • Damage to another person’s vehicle caused by an accident 
  • Any non-collision damage to your car, such as hail storms or even theft 
  • All medical bill payments you might experience in a car crash 

As a result, it is also essential to consider liability protection and property damage coverage. You may also want to get comprehensive protection to keep your car safe. There’s no reason not to get the best level of security possible as a way of keeping your vehicle from damage. 

You Got This!

If you want collision insurance and want more comprehensive and protective policy types, you need to reach out to us at United Insurance Services Inc. right away to learn more. Our team has years of experience and understands the unique process of insuring your car in Bluffdale, UT.

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

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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.

Tips for Buying Natural Catastrophe Insurance

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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.

Why is Auto Insurance Required in Utah?

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In Utah, any driver using a car on a public road is required to have auto insurance. Driving in the Bluffdale, UT area is the most convenient and practical mode of transportation, so having auto insurance is more or less essential if you live in the area. United Insurance Services, Inc. serves the Bluffdale UT area through a variety of different insurance plans, auto included.

We highly recommend an auto insurance policy for you and all members of your family or household that drive; not only will you get penalized and fined if you drive without insurance, but you run the risk of not having any coverage should you get into an accident, whether it’s your fault or not. 

A full auto insurance policy will typically include liability protection, which covers you in the event of an accident, whether you were at fault or not. Being liable means you are responsible for the damage caused, but with liability protection, the out of pocket cost can be limited. 

Vehicle coverage is also typically included in an auto insurance policy, which means protection for your vehicle in the event of an accident. Cars are not cheap, and they get us safely from point A to point B, so protecting your vehicle from damage is another benefit of having auto insurance. 

Curious about the right auto insurance policy for you? United Insurance Services, Inc. is more than happy to help answer your questions, address your concerns, and will find the right plan for you and your family members. Ensuring everyone in your family is safe is your #1 priority, and finding the best coverage and policy to give you peace of mind is ours. 

How Home insurance Can Protect More Than Just Your Home

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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. 

Who Needs Catastrophe Insurance in Utah?

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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.

Who should get auto insurance in Bluffdale?

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If you are a vehicle owner in the Bluffdale, UT area, you will find that it is a lot easier to get around the community. Along with owning a car, you also need to make sure that you have proper insurance coverage. There are a few situations when having an auto insurance plan is going to be needed for car owners in this area. 

When Using a Car on Public Road

A situation when you will want to have a car insurance plan will come when you want to use your car on a public road. Any driver in Utah is going to be required to carry liability coverage. With this insurance, you will get the support you need to cover costs if you are at fault during an accident. If you do not have this protection, you will have to pay for damages out of pocket and could also face penalties for breaking state law. 

When Trying to Protect Vehicle

You should also get an auto insurance plan here when you want to protect your vehicle. Those that purchase any type of vehicle will want it to last for a very long time. A way to ensure this happens is by getting the right insurance. A proper plan can ensure you have coverage if the vehicle is stolen or damaged.

People that are in the Bluffdale, UT area always need to ensure that they have proper insurance protection. If you are going to look for a new insurance plan in this area, calling United Insurance Services Inc. can be helpful. The team with United Insurance Services Inc. can help anyone assess their needs and options when it comes to auto insurance. With this support, you will be able to choose a plan that will give you the right protection. 

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

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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.

A Look At What Natural Catastrophe Insurance Entails

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United Insurance Services Inc. offers coverage to the Bluffdale, UT community, and the surrounding areas. We are committed to providing our clients a quality experience. We offer personalized policies to ensure that all of our client’s most important assets are protected.

Natural Catastrophe Insurance Overview

Life is often unpredictable. While it may be hard to predict what happens next, you can prepare for it. Consider the benefits of natural catastrophe insurance. Natural catastrophe insurance covers you in the event of an emergency. Generally, the policy covers natural disasters. The type of coverage you need is primarily based on where your property is located and its vulnerability to a natural disaster.

There are multiple natural disasters to be aware of as you research coverage in Bluffdale, UT. You have to consider the likelihood of a hurricane entering the area and causing severe flooding. Earthquakes are another significant disaster to prepare for. If something happens to your property, natural catastrophe insurance covers you.

Any damage caused by tornadoes and tsunamis is also covered under the policy, though tsunamis are unlikely to occur in Utah. Staying on the West Coast, you also have to think about potential wildfires. Forest fires can cause damage throughout the entire state. If your property suffers general fire damage, you should be covered through your traditional home insurance policy. While unlikely, natural catastrophe insurance also covers acts of terrorism.

Natural catastrophe insurance primarily serves as supplemental coverage. Thoroughly research all of your existing policies. Natural catastrophe insurance can fill in those areas that you feel are unprotected.

United Insurance Services Inc. Can Help You Protect Your Assets

Visit our website to learn more information about natural catastrophe insurance.  

How does underinsured and uninsured driver coverage work?

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Every car on the road in Bluffdale, UT requires auto insurance. The minimum insurance coverage needs to include a limit amount for Bodily Injury Liability, Property Damage Liability, Personal Injury Protection, Uninsured Motorist, and Underinsured Motorist. The last two items, Uninsured Motorist and Underinsured Motorist, are not compulsory must-haves and can be waived in writing with your insurance company. However, United Insurance Services, Inc. recommends that you do not waive these items.

The terms uninsured and underinsured mean that the uninsured motorist does not have any insurance whereas, the underinsured motorist has insurance. Still, their coverage limits are too low to cover the accident claim. The minimum liability insurance requirements don’t always provide sufficient coverage to pay for all the expenses after an accident. The Uninsured/Underinsured cover on your personal policy will provide that extra protection if you are involved in an accident that was not your fault. Still, the driver who caused the accident does not have enough (or any) car insurance coverage.

Normally, if you are involved in an accident caused by someone else, you can file a claim with the responsible driver’s insurance company to recoup your losses. But, if the other driver has insufficient insurance to cover the claim, you may be forced to pay out of pocket for medical bills or car repairs. Unless your own policy carries Uninsured/Underinsured limits, in which case, the policy will pay out the shortfall. The policy will “kick-in” once the accident claim amount is higher than the at-fault party’s insurance liability coverage.

To help protect your assets, contact United Insurance Services, Inc. in Bluffdale, UT. Their friendly advisors will help you decide how much Uninsured/Underinsured motorist coverage you need to ensure you are fully protected against life’s little mishaps.

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