Is Renters Insurance Required in Utah?

There are no state or federal laws mandating renters insurance in Utah. However, it is always a good idea to have this coverage as it will protect you from losses and liability costs. Additionally, many landlords in Utah will require renters insurance as part of their application process. That would be the only event where renters insurance is required in Utah.

At Perry Insurance Agency, we want Vernal, UT renters to be protected from all losses and liability costs.

What is Covered Under Renters Insurance?

Utah renters insurance covers contents, property damage, and liabilities. If there is any damage to the inside of your home or your contents, your renter’s insurance will cover that. 

Any damage or liability that happens outside your apartment, home, or unit, will be covered by your landlord’s insurance policy.

Contents Coverage

Contents coverage is insurance that can replace your belongings and property in the event of damage or theft. This includes everything in your home.
 
Many renters think they can replace content easily, but they don’t realize the value their content actually has. Take an inventory to determine what you have. Your contents coverage can cover this if something happens in your home.

Living Expenses

When you have renters insurance, you can get living expenses covered in the event that something happens to your unit for a certain amount of time. If there were a flood or fire, and you needed to evacuate, you could have your accommodations elsewhere paid for.

Liabilities

As a renter, if someone is in your home and an accident happens, you are responsible for their safety. If there is an injury, they have cause to sue or ask you to pay for the damages.

Renters insurance will cover those liabilities for you.

Get a Quote

When you have renters insurance in Utah, you will have more peace of mind as a renter. At Perry Insurance Agency in Vernal, UT we can help you find that peace of mind. Call us for a quote today.

3 Important Things You Need to Know About RV Insurance

RV insurance protects different types of trailers and their contents against damage and theft. Choosing the right coverage for your RV is a step to protect your investments. Perry Insurance Agency helps residents of Vernal, UT find a plan that protects their investments against the uncertainties of the future.

Some of the most important things you need to know about RV insurance are;

Costs

The average costs for insuring recreational vehicles are highly dependent on the provider, the type of RV, garaging location, driving history, usage, and the specific policy. An RV is a vital physical asset that needs protection with the right insurance. Vandalism, theft, fires, and damage losses are avoided by getting sufficient coverage limits and choosing viable deductible amounts. If you are a full-time RV driver, your insurance rates will be higher than those using theirs occasionally.

Coverage

There are different types of coverage for recreational vehicles and campers; full-time and part-time insurance policies. People living in their RVs need full-time coverage, which combines aspects of both homeowner’s insurance and auto insurance policies. If you use your RV occasionally, recreational or part-time coverage is best. Depending on the RV’s purpose, you can choose the standard RV coverage for collision insurance, comprehensive insurance, medical payment plans, and personal property coverage. The optional coverage offers more specialized option types for RVs such as residential liability, and personal attachments plans.

Necessity

If you own a driveable RV, it’s mandatory to get it a minimum coverage, depending on the state laws. As much as it isn’t a legal requirement for travel and tent trailers to be insured, an RV is an investment, and it needs protection as vehicles and homes. Motorhomes in Vernal, Utah, are legally required to be insured.

Different states have RV insurance policies to protect recreational vehicles and the owners from any financial responsibilities in the event of theft, fire, or vandalism. Contact Perry Insurance Agency serving Vernal, UT to get advice on the policy that best fits your needs.

Finding the Best Motorcycle Insurance Policy in Vernal, UT

If you ride a motorcycle, you know the importance of insuring your bike in the event of damage due to a collision or mishap. Repairing the damage from a motorcycle collision can be very expensive. You don’t want to get caught having to cover this from your own pocket. Plus, there are requirements that carry a penalty for violation.

Is Motorcycle Insurance Required in Utah?

Yes. Motorcycle insurance is required in the state of Utah. Like auto insurance, you need to cover the minimum requirements of liability to others on the road in the vent of a collision, as well as liability for property damage. Penalties for failure to cover the basic requirements can range from a fine to time in prison.

About Perry Insurance Agency

In Vernal UT, you can visit the insurance professionals at Perry Insurance Agency to find out how to get your motorcycle insured. They have been serving the Vernal, UT area for many years and they know how important it is to protect your most loved assets and properties.

Medical Expenses and Injuries

In addition to protecting your property, you also need to make sure and cover the possibility of medical expenses, injuries, and even liability to others who might also be involved in the accident. This can be quite costly. 

To make sure you’re covered for both the mandatory insurance requirements and the other coverage amounts you will need to protect your investment, visit with Perry Insurance Agency to discuss your options.

Why do boat owners need to have boat insurance in Utah?

During the summer months of the year, Vernal, UT can be a great place to live. The city and surrounding areas are full of lakes and other waterways that are a lot of fun to enjoy. To maximize your experience in this area, owning a boat can be a great idea. As you are looking to purchase a boat here, getting the right insurance plan is also important. You will need to have insurance for your boat for a few reasons.

Coverage is a Requirement

A common reason that people in this part of Utah will need to get boat insurance is so they can comply with insurance requirements. There tend to be various requirements set for boat owners. If you have a loan or use certain marinas or waterways in the area, you could be required to carry a full insurance plan to comply with the requirements. 

Receive Valued Coverage

Boat owners that are in this area should also get coverage simply due to the valuable protection it provides. A boat insurance plan is designed to protect a boat against a variety of risks, which include theft, vandalism, or accident damage. Further, the boat insurance plan will provide additional coverage to mitigate liability risk. This will be helpful if you are at fault in any type of accident. 

Anyone that is shopping for a new boat insurance plan in the Vernal, UT area will find there are a lot of options to consider. A great way to pick the ideal plan for your situation is by calling the Perry Insurance Agency. If you do speak with the Perry Insurance Agency you can learn a lot about your different insurance options. They can then help you choose a plan that provides ideal coverage for your situation. 

Why should people in Vernal get umbrella insurance?

People that live in the Vernal, UT area are going to have several insurance needs. Many of these are designed to offer some liability risk protection. Those that would maximize their liability risk coverage should get an umbrella insurance plan. There are a variety of reasons why people that are in this area of Utah should always get an umbrella insurance plan. 

Coverage For Major Accidents

A reason that people should get umbrella coverage is so they can have protection against major claims. If you have home or auto insurance plans, you are going to have some liability protection up to your policy levels. While this can be good coverage, there is always a chance your accident damage could exceed these levels. In these situations, having umbrella insurance is helpful as the liability protection will be on top of your existing plans. 

Coverage for More Situations

You should also get an umbrella insurance plan as it can cover more situations. While home and auto plans offer good coverage that will mitigate a lot of risks, there are always situations that could occur that are not covered by these plans. With an umbrella plan, you are going to receive more blanket coverage for situations that are not included under your other insurance plans. 

An umbrella insurance plan in the Vernal, UT area is a great investment for many people. If you would like to protect yourself with an umbrella insurance plan, it would be a good idea to call the Perry Insurance Agency. When you speak with the team at the Perry Insurance Agency you can learn a lot about the ways that it can protect you. This can ensure that you always have the right liability protection in place, which will offer comfort and peace of mind. 

How Much Life Insurance Do I Need?

Life insurance is a great way to ensure that your dependents have something to fall back on in the unfortunate occurrence of your demise. It is basically an agreement between you and the insurance agency that if you die within the policy’s validity, they will pay an agreed sum to your beneficiaries.

Although life insurance is not a legal requirement in Vernal, UT, many consider it a good backup plan for their loved ones. The growing number of insurance agencies, including Behling-Perry Insurance Agency, that offer life insurance, indicates that the policy is gaining popularity.

Who Needs Life Insurance?

Although a life insurance policy is helpful for everyone, let’s look at the list of people who need it the most:

  • Married pensioners: Instead of choosing a pension plan that benefits spouses, pensioners can take their entire pension and invest in a life insurance policy.
  • Young adults with private student loan debts: While most young adults don’t see the need for life insurance because they don’t have dependents, sometimes they might have personal obligations that impact their parents if they die. 
  • Young adults who want to take advantage of low rates: Life insurance covers are exceptionally generous to young and healthy adults. At these young ages, the premiums are very low, and once they start paying, the rates are locked. This means that they will continue to pay these low premiums even in old age.
  • Parents of special needs children: Parents with special needs children who will require lifelong care can use life insurance to make sure it continues to happen even in their absence.

How Much Life Insurance You Need?

Before applying for a life insurance policy, you should evaluate your financial situation and find out how much money your beneficiaries would require to sustain the lifestyle they have now in your absence. Add up the sum for the number of years you’d like them to benefit from the policy and then factor inflation in.

Getting the right insurance policy might be an uphill task. Therefore, you should feel free to ask for assistance from insurance experts at Behling-Perry Insurance Agency in Vernal, UT.

What Auto Insurance Options are Offered For Utah Drivers?

Car ownership is fantastic but comes with its fair share of responsibilities. Talk of maintenance, loan repayments, and the onus of being a sober and responsible driver on the roads. Additionally, car insurance is one of the other responsibilities you have to contend with when you own a car. While the process of purchasing car insurance might be somewhat challenging, partnering with reliable agents like Perry Insurance Agency, located in Vernal, UT, is pivotal in getting the right and adequate auto coverage.

Car insurance in Utah

Before you hit the road in Utah, make sure that your car is insured. While many states have a mandatory requirement for auto insurance, the similarity ends there. Many states have varying mandatory coverages and limits. For Utah, below is what is compulsory:

  • Bodily injury liability: Compensates medical expenses or funeral expenses of the death of another driver or pedestrian when your car is involved in an accident. The minimum cover required by the law is $25,000 per person and $65,000 per accident involving more than one person.
  • Property damage liability: Protects against damages to third parties’ properties when you are at fault. The minimum required coverage limit is $15,000 per accident.
  • Personal Injury Protection (PIP): Covers you or your passengers’ medical expenses when involved in a vehicular accident. The minimum requirement is $3,000 per accident, but you may reject the “loss of income” portion in writing.

Other auto insurance options

Utah’s minimum coverage won’t cover you against risks like floods, theft, fires, and drivers carrying inadequate insurance. With this in mind, consider adding the below auto insurance options. 

  • Collision and comprehensive coverage: These insurance coverages are optional but essential to have. As one, these coverage types protect your car against car accidents, theft, fire, vandalism, falling objects, hails, and collisions with animals. 
  • Uninsured/underinsured motorist coverage: While it’s not mandatory, insurance companies must offer you, and you have to reject it in writing. This coverage protects you if you get involved in an accident with someone with inadequate or no insurance coverage. 
  • Medical payments: Cover medical expenses for you and your passengers when involved in an accident.

Need car insurance in Vernal, UT? Look no further than Perry Insurance Agency. We shall walk you through the different auto insurance options and choose those that complement your needs. Contact us today.

What You Need To Know About Commercial Insurance

Owning your own business is one of the best ways to achieve financial freedom and truly be in charge of your own life. You will make a lot of investments of time and money into your company and you want to make sure those investments are protected. The best way to accomplish this is by making sure your company is properly insured. At Perry Insurance Agency serving Vernal, UT, we know that you can only make good insurance choices if you have good insurance information. Keep reading to find out what you need to know about commercial insurance. 

What is Commercial Insurance?

Commercial insurance is a unique insurance product that has the needs of the business owner in mind. Your business operates on many levels, and a commercial insurance policy strives to provide you coverage on each level with one simple plan. This helps the business owner focus on other aspects of their business. 

What Does Commercial Insurance Cover?

Because each business is different each commercial policy will be different too. Commercial insurance policies can be highly customized to suit your needs. In general, though, a commercial policy will cover the following areas:

Property damage: If you operate a brick and mortar location you will want this location protected. If your facility or equipment is damaged through fire, natural disaster, or burglary, the policy will kick in to help with repairs or replacement. 

Auto Insurance- If your company operates vehicles as part of your day-to-day operations, you will need quality automobile insurance for both your vehicles and your drivers. 

Liability Coverage: Liability coverage is essential to protect your long-term financial health. If a customer or an employee is injured at your facility or as a result of your services, you could be held liable for medical bills or legal fees. Liability will help pay these expenses. 

If you would like more information contact us at Perry Insurance Agency, serving Vernal, UT.

Doing a liability evaluation of your home

As a homeowner, you face many risks. Your home insurance helps to mitigate some of the risks you face. You will never be risk-free, it is just not the nature of homeownership. But if you have adequate coverage you will be able to sleep at night knowing you have done the best you can to protect your home. If you live in or near Vernal, UT, Perry Insurance Agency is a locally owned and operated independent insurance agent. Our goal is to provide our customers with the insurance they want at the best possible price. 

Liability coverage is included with home insurance. Some things around your home are much riskier than others. It is essential you take a good look at your potential for being sued and make sure you lower the risk if possible but certainly make sure you have adequate coverage.  

Pools

Swimming pools are a significant risk. It isn’t just risky for your children. It is a big temptation to other children in your neighborhood. You must make sure your pool area is in compliance with any local regulations to keep the risks lower. 

Trampolines

Trampolines are what is called an attractive nuisance. They are a magnet for kids. It is difficult to make sure they can’t be accessed without your knowledge. Having your yard fenced would be good but having a protective netting around the trampoline is the very least you should do. 

Pets

Especially dogs are very high risk and some breeds riskier than others. Some breeds are so risky your insurance will not cover them. 

Front stairs and driveways

You are responsible for maintaining your home. Guests to your home will use your driveway and stairs to enter and it is important to make sure there is not any unevenness that could be considered a trip hazard. 

Contact Perry Insurance Agency in Vernal, UT to discuss your home insurance and your risk level. 

Why should I get renters insurance in Vernal?

The Vernal, UT area offers a lot of amenities to local residents. Due to this, there continue to be a lot of new people moving to the community each year. If you are going to live in this area, you may want to consider renting your home as it offers flexibility and other benefits. When you do rent a home here, you will still need to get proper insurance. There are a number of benefits that arise with a renters insurance policy. 

Coverage Protects Your Assets

While a renter in Utah will not own their home, they will still have a lot invested in their personal assets. When you get a renters policy, you will get the coverage that you need to replace these assets if you do incur a loss. This will prove to be very helpful in situations of a fire or theft.

Coverage is a Lease Requirement

Most people that rent a home will have a landlord that has specific insurance requirements in their standard lease form. This will usually require that you carry a full renters insurance policy for the entire term of your lease. If you do not have evidence of this coverage by the time your lease term starts, it could invalidate your lease and your landlord may prevent you from even moving into your new home. 

Those that are going to rent a home in the Vernal, UT area do need to make sure that they get proper insurance. When you are going to rent here and are looking for insurance, you should call Perry Insurance Agency. The team with Perry Insurance Agency understands how important it is that you get proper insurance coverage. They can help you by assessing your needs and building a policy accordingly.