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Category Archives: Homeowners Insurance
Insurance Carriers Had Record Year For Weather Disasters
2011 saw twisters,snow, drought, flooding and wildfire disasters in the United States. 12 disasters that exceeded $52 billion dollars in damages. This is more weather catastrophes,(that each caused at least 1 billion dollars of damage),than the entire decade of 1980-1989. … Continue reading
Why Buy Earthquake Insurance?
Many consumers feel if an earthquake were to occur in Utah, the governement would be there to assist. Virginia is discovering, it isn’t easy to get government disaster assistance. The earthquake occurred nearly two months ago and they are still … Continue reading
Umbrella Policies and Dog Bite Claims
Dog bites cost insurance companies a lot of money. In 2010, State Farm Insurance paid 90 million dollars on 3,500 claims. Over 412 million dollars were paid out in insurance claims in 2010 and the cost per claim is rising. … Continue reading
Insurance Rates to Rise by 2012?
Insurance companies have 2 ways to make money. Through the premiums charged to consumers and businesses and also through the income made on reserves they have on hand to pay out catastrophic claims. Reserves have declined for some carriers which … Continue reading
Auto Insurance, boat insurance, Commercial Auto Insurance, Dental Insurance, Earthquake Insurance, Family health insurance, Flood Insurance, Homeowners Insurance, Landlord Insurance, Liability Insurance, Life Insurance, Medicare Advantage Plans, Renters Insurance
insurance policies, insurance rates, insurance reserves
What happens when an airplane hits my home?
http://www.foxnews.com/us/2010/12/05/small-plane-crashes-neighborhood-roy-utah/ The airplane crash in Roy last night affected so many people: the homeowners who had their homes explode, the pilot in serious condition, and the residents who lost power. If you look at your homeowners policy it shows aircraft … Continue reading
Shopping for Insurance-What about Annual Membership Fees?
When shopping for your home and auto insurance there are some companies that charge “annual membership fees.” While their home and auto insurance rates may seem affordable, when you factor in an annual membership fee of $165.00, maybe the rates … Continue reading
How do I buy Earthquake Insurance?
Many Utah residents are understandably nervous about the Wasatch fault. The Wasatch Fault spans 240 miles and 80% of Utah residents live close by. I get a lot of questions from clients about earthquake coverage on their home insurance. If … Continue reading
Energy Efficient Homes Cost More to Rebuild
Lawmakers in Utah are weighing a recommendation to update home building codes. Utah’s residential remodels and new construction would utilize the 2009 energy saving standards. Savings from building code revisions could save the average resident about $175/year in energy costs. … Continue reading
Do you live on an earthquake fault?
Scientists have discovered 4 historical earthquakes on the West Valley Fault Zone, according to the Deseret News article written on 10/14/2010. If you live between Redwood Road and 5600 West and 1700 North to 4800 South, you are in the … Continue reading
Insurance Claims Not Covered
I have had several clients call asking if we cover: sinkholes retaining walls french drains These are examples of claims not covered. The typical homeowners policy does not insure dirt. We insure dwellings and property. There may be an insurance … Continue reading