Tips for Filing a Home Insurance Claim

Every homeowner dreads the thought of having to face a disaster that destroys their home or properties. If you have never filed a home insurance claim before, you shouldn’t rest easy. You’re more likely to file one during your lifetime, so understanding the claim process is crucial. Perry Insurance Agency suggests the following tips to help you go through the claim process in Vernal, UT.

Understand your Policy

You should first understand your coverage limits and deductibles. This is critical when filing a home insurance claim. For example, if a flood damages your home and your policy excluded such risks, your claim will be rightly denied. Your deductibles will also affect how much cash you’ll pay out of pocket for the repair or rebuilding of your home. This can help you determine which repairs are urgent and which ones can wait for a later date.

Document your Damages

Whenever a covered loss occurs, document all the damages before you begin the cleaning or repair process. Take several pictures of the damages caused to your home or property, furniture, electronic devices, clothing, and so on. If you’re forced to make a few repairs before filing your home insurance claim, be sure to keep all the receipts. After filing the claim, the insurer will send an adjuster to assess the situation and provide an estimate of the damage. This can difficult to achieve after cleaning the home and carrying out repairs, so the photos and the documentation of the receipts will be of great help.

Understand your Rights to Dispute Estimates

Sometimes you may not agree with the insurer’s estimates. You have rights under your home insurance policy to dispute or appeal the procedure. One way to achieve that is by submitting a second estimate through a public adjuster that you can hire. A public adjuster works exclusively for you, unlike an insurer’s adjuster who works for the interest of the insurance provider. Additionally, the public adjuster will work with you through the entire claim process to ensure that you receive your full entitlement under your home insurance policy.

Perry Insurance Agency is an experienced provider of affordable home insurance policies in Vernal, UT and surrounding areas. If you have further inquiries about filing home insurance claims, call us today. We serve over 24 states across the country. But if you need a quote, use our online rating tool or stop by our Vernal, UT offices.

What is a Moratorium for Renters Insurance?

Insurance companies can place a moratorium when purchasing renters insurance policies. However, many people do not know what this means and how this may affect them. Here at Perry Insurance Agency, serving the greater Vernal, UT area, we want to help you understand what this means. Here are two questions you may have about renters insurance and moratoriums.

What is a Moratorium for Renters Insurance?

A moratorium means that there is a hold on the effective date of a renters insurance policy. In most cases, a moratorium goes into place when there is a known weather event that is going to be hitting the area you live in. For example, if a hurricane is expected to strike, if wildfires are surrounding your county, or if heavy rain is expected to hit and cause potential flooding, a moratorium may be put into place. This prevents people from buying insurance solely to protect themselves against an element that is likely to hit. 

How Do You Know if There is a Moratorium on Renters Insurance?

An insurance company must notify you if there are any moratoriums in place when you buy your insurance policy. For example, the company may allow you to buy the policy today but must tell you it will not go into effect for 7, 15, or 30 days due to a moratorium in place. 

There are many companies that you can purchase renters insurance from. If you are looking for a policy in the greater Vernal, UT area, Perry Insurance Agency can help you. Contact us today to discuss your rental insurance needs and let us help you find the best policy for your situation in over 24 states. 

Minimum RV Insurance Requirements in the State of Utah

Your auto insurance policy will cover an RV, and Utah drivers must have the following minimums:

  • At least $25,000 of bodily injury per person for each accident
  • At least $65,000 of bodily injury for every person per accident
  • At least $15,000 of property damage liability coverage
  • At least $25,000 of uninsured motorist coverage
  • At least $65,000 of underinsured motorist coverage

While these amounts will cover the vehicle itself, it’s a good idea to get RV insurance so you can be protected from any losses that can occur while you’re operating an RV or travel trailer.

What to Consider While Purchasing RV Insurance

There are certain things that you should consider while you’re purchasing RV insurance, and one of them is the type of vehicle that needs to be covered. Most RV insurance policies will cover motorhomes and travel trailers. Motorhomes will have living quarters and appliances that are permanently attached, while travel trailers are towed by a motor vehicle and are generally used for camping. Be sure to speak to an agent about any specifics.

To be eligible for RV insurance, the vehicle must have the following items permanently attached:

  • Cooking appliance
  • Refrigerators
  • Bathroom facilities
  • Heating and/or air conditioning
  • A drinkable water supply system
  • An electrical system of 110-125 volts

A travel trailer can be covered on an RV insurance policy if it has both a cooking facility and a place for sleeping.

If you want to get an RV insurance policy, Perry Insurance Agency is one of the most known providers in Vernal, UT and serves over 24 different states. We have agents who can help you get the right kind of coverage, so feel free to contact us to find out how we can help you.

What RV Insurance Can Cover

Like regular auto insurance, an RV policy will have a number of coverage options. Every single one of them can protect you from different perils. Many of them are optional, so you can tailor your plan according to your specific needs.

The types of RV coverage that you can add to your policy include:

  • Liability – Protects you from the costs associated with bodily injury or property damage that other people have suffered because of an accident of which you were the cause.
  • Comprehensive – Helps with any costs if your RV has been damaged because of any incident that isn’t related to a collision (such as fire or theft).
  • Collision – Covers any repair or replacements costs that have been caused by a collision.
  • Vacation Liability – Covers any costs associated with property damage, but only if it has been used for vacation purposes.
  • Roadside Assistance – Will help you if your RV experiences any kind of mechanical issue.

Be sure to get in touch with Perry Insurance Agency in Vernal, UT so you can find out about all the options that are available in your area. Keep in mind that we provide insurance for over 24 states.

Am I legally required to insure my motorcycle?

Like automobiles and trucks, motorcycles require insurance to drive legally on the roads in and around Vernal, UT. In Utah, you must register your motorcycle and carry liability insurance. Perry Insurance Agency created this quick guide to help you determine if your vehicle legally requires insurance.

Utah law defines a motorcycle as a two- or three-wheeled vehicle with a 40 cc engine or larger. The insurance requirement applies to motorcycles, scooters, and trikes, but not tractors. It utilizes the term motor-driven cycle to address vehicles of less than 150 cc and five horsepower or less. It does not apply to self-propelled scooters. To legally operate a motorcycle on Utah roads, you must carry a liability policy with the following minimum per accident coverages:

  • $15,000 property damage
  • $25,000 bodily injury per person

It also must provide $65,000 in bodily injury per accident. Utah also requires each driver carry at least $3,000 in Personal Injury Protection to cover your medical injuries in a no-fault accident. Driving without insurance carries a potential penalty of a suspended license and registration and a minimum fine of $400.

Although not required by law, you may also purchase additional coverage. Insurance types available for motorcycles in Utah include:

  • Uninsured Motorist Insurance – Property Damage which covers damages to your cycle when the driver at fault carries no liability insurance.
  • Uninsured Motorist Insurance – Bodily Injury which covers medical bills for you and your passenger when the driver at fault doesn’t carry liability insurance.
  • Underinsured Motorist Insurance – Bodily Injury which covers medical bills for you and your passenger when the driver at fault doesn’t carry sufficient liability insurance.
  • Collision Coverage which covers damages from a collision with a vehicle or stationary object.
  • Comprehensive Coverage which covers losses from weather, vandalism, theft, etc.

Let Perry Insurance Agency in Vernal, UT help you determine your motorcycle insurance needs. We can help you stay legally on the road in over 24 states.

Three Boating Safety Tips from Perry Insurance Agency

Boating with your family and friends, or even by yourself, can be extremely exciting. The thrill of the open water can be intoxicating, and it can bring everyone closer together as you create memories that will last a lifetime. If you live in Vernal, UT, or somewhere close to the water, keep the following tips in mind from Perry Insurance Agency when it comes to being extra safe for the season. 

1. Have an Emergency Plan 

Things can go wrong on the water, and it helps to know how you’re going to handle it. Unlike normal, natural disasters, it’s not as simple as getting everyone out of the house or moving everyone to a basement. Think through exactly what you’ll need to do to get everyone to safety, and then have people practice the plan before they’re even allowed on the boat. (Do this several times for the best results.)

2. Take Care of Repairs 

Boat owners often aren’t happy about the amount of maintenance that comes with a boat. However, taking care of repairs right away is normally the best way to keep everyone safe, so all it takes is changing your mindset a little. Just like with a car, letting a small repair go can end up being extremely dangerous only a short time later. A tiny hole could end up expanding quickly and then eventually cause a leak later on. 

3. Consider More Insurance 

Boating insurance can not only protect you, your family, and your property, but it can cover other people’s damages and injuries as well. The key is to have the right level of coverage. If you have questions about what you need, it’s time to call Perry Insurance Agency. We serve the boat owners of Vernal, UT who just want a safe experience every time they get their boat out onto the water. You can also contact our agents to find out if you live in one of the 24 states we service throughout the United States.

How Does Umbrella Insurance Protect Your Assets?

The Perry Insurance Agency in Vernal, UT has got your back to protect you, your family, and your business with umbrella insurance.

Umbrella Insurance To The Rescue

Umbrella Insurance provides coverage after the limits of your home, auto, commercial, or any other insurance policy that has provisions for liability protection for any particular asset, are exhausted. The essential purpose of the umbrella policy is the protection of assets from unforeseen calamities which you may be found liable and have to face a major lawsuit. This can result by merely having a party at your home where you served alcohol and a guest was injured driving home causing severe property damage and extensive bodily injuries.

Costs from catastrophic accidents may be above your policy limits. Umbrella insurance covers events that would be excluded in a homeowner insurance policy such as the legal fees to defend against malicious prosecution, a false arrest and libel, slander, and defamation claims. The whole purpose of umbrella insurance is to escape financial ruin which will be avoided because an umbrella policy could extend the upper limits of your underlying liability policies up to five million dollars.

How Much Is Enough?

Pricing of the policy will be determined by one of our agents. However, the limits, as a rule of thumb are based upon:

  • The risks you may be facing 
  • Present value of your assets
  • Potential future loss of income 

At The Perry Insurance Agency in Vernal, UT, our agents are experts in advising its clients on the importance of umbrella insurance. Please contact us!

  

What you need to know about life insurance

Educating Yourself On Life Insurance with Perry Insurance Agency

At Perry Insurance Agency, we suggest that everyone should have a life insurance policy. Not just for financial security after you pass, but for emergency circumstances. If you have the right insurance policy, you may be able to borrow money from it to pay for certain circumstances.

With any life insurance policy, you will pay a premium over time. In exchange, a lump sum amount will be paid to a designated beneficiary upon your death. Life insurance can provide a sense of stability for your family members in knowing they will not have any financial responsibilities upon your passing. Any representative of Perry Insurance Agency in Vernal, UT can assist you with finding the right policy after discussing the details.

There are two popular types of policies: Term and Whole.

Term Insurance – Term insurance is typically the most popular policy among younger age groups. This insurance, however, is only in effect for a certain period of time. Term policies can be for 10, 20, or 30 years. Benefits will only be distributed during the time the policy is in effect.

Whole Insurance – Whole, or Universal, insurance is a permanent insurance. The policy is in effect for as long as the premium is paid. This insurance also has an investment or savings component where you can accumulate cash value over the time frame of your policy. This component allows you to borrow money for exigent circumstances.

There is no coverage limit set for life insurance, and the amount can be dependent on whether or not you have dependents. You may need a combination of policies to get the coverage needed to cover you for your lifetime. To assist you in this decision, contact Perry Insurance Agency, serving Vernal, UT and over 24 other states. Reach out to us to start a policy right away.

Important questions to ask your agent before purchasing auto insurance.

A car is a significant financial investment and a valuable asset to get one to work and other necessary activities. It is important for drivers to ask the right questions when purchasing an auto policy to be confident that their auto insurance coverage is adequate.

Do I have enough liability coverage?

This is a critical question to ask your insurance agent. Each state has different requirements for the amount of liability you must carry. However, just because there is a legal limit in place does not mean it is enough protection in the event of a claim. Speak with your agent at Perry Insurance Agency about required limits in the Vernal, UT area to determine an appropriate limit.

Does the policy provide collision coverage for your car?

Many car owners assume that an auto insurance policy will pay for the cost of their vehicle being repaired in the event of an accident. Many policies only pay to fix the other party’s car. If you want to have coverage for your vehicle, speak with your agent about collision coverage.

What happens if I am in an accident with an uninsured motorist?

Unfortunately, there are just too many drivers out there who drive with no insurance or a policy that has less than adequate limits. It is critical to find out how your policy would respond in the event you are in an accident with an uninsured motorist. Ask your agent about an underinsured/uninsured auto policy.

What is the claims process?

In the event of an accident, the last thing you need to be dealing with is trying to navigate a complicated claims process. You will want to make sure your insurer has a convenient way to file a claim. Also, you will want to understand the level of support being provided such as a 24-hour customer service support line.

If you would like to learn more about auto insurance, please reach out to us at Perry Insurance Agency. We proudly serve the Vernal, UT area and over 24 other states.

Do You Need Commercial Insurance if You Work From Home?

These days, more and more people are deciding to work from home. If this applies to you, you may be wondering if you need to invest in commercial insurance. Whether you have your own business at home or you simply work at home for your employer, you want to make sure you are protected. Use these tips from Perry Insurance Agency, serving Vernal, UT, to determine if you need commercial insurance in these cases. 

How do you use your vehicle?

  • If you use your vehicle for commercial purposes for half the time or more, then you may need to get an additional auto insurance policy for commercial use. Your standard policy may not cover you if you are in an accident while using your vehicle for commercial purposes in this type of case. You should check your auto policy to be sure, and if it is not covered, then you should get a commercial policy. 

Do you have equipment or inventory on the site?

  • Commercial insurance can help protect any items that are used for commercial purposes in your home but your home insurance policy or renters insurance policy may not. You will only need to insure the elements that are for commercial use only so you should take inventory of those items. This would include your electronics for business, specialized tools for the business, and even smaller things like your office supplies. If they are only used for commercial purposes, then you can cover them under a commercial insurance plan. 

If you are still unsure about whether or not you need commercial insurance or you would like to learn more about your options, be sure to call Perry Insurance Agency, serving Vernal, UT. They can even run some quotes for you to find a plan that meets your needs and your budget. In another state? Reach out to us to find out what 24 states we provide insurance products too.