Life Insurance: Have you had “The Talk?”

Within the past ten months, there have been eight deaths of people whom I personally know or know their families. This is not counting those over the age of 65, as there are many more in the community who have passed away. I want to focus on the 18-45 years of age who were killed in an accident or from illness. I have personally spoken … Continue reading Life Insurance: Have you had “The Talk?”

Is Your Home Covered if There is Damage by an Earthquake?

Is your home covered if there is damage by an earthquake? Unless you have a specific endorsement or an earthquake policy the answer is NO! I am often asked if I have EARTHQUAKE coverage on my home and even on my business and the answer is YES. If you have any equity in your home, it could be gone in even a small earthquake. For … Continue reading Is Your Home Covered if There is Damage by an Earthquake?

Things that make you crazy after an accident! Auto Insurance 101

A-Insurance Agencies 1. Finding out something is not covered by your policy: Two of the biggest issues after even a basic auto accident are Towing/Emergency Roadside Service and Rental Car Reimbursement while your vehicle is being repaired. Neither of these coverages are expensive, but since they are not required on an auto policy people often don’t add the coverage and don’t realize it until they … Continue reading Things that make you crazy after an accident! Auto Insurance 101

A Insurance Sewer Backup – “It” Happens more than you think!

When you shop for Insurance for your home, it’s good to anticipate all of the headaches that can go along with homeownership. One of the nastiest you may face is a sewer backup. The potential for damage from sewer backups is something everyone should consider. When sewage flows into your home, it can cause thousands of dollars in damage. The Insurance Information Institute says that typical … Continue reading A Insurance Sewer Backup – “It” Happens more than you think!

What’s your Earthquake protection?

Every Homeowners policy has an “Earth Movement” exclusion, which means damage from an earthquake is excluded on your home policy. The state of Utah has more fault lines than most of us realize, and when the big one comes are you covered? In 2015, a study predicted that when the big one comes, 84,000 households are expected to be displaced with 53,000 people seeking shelter … Continue reading What’s your Earthquake protection?