Making a Claim Against Your Renter’s Insurance? What to Expect

Filing a Claim Against Your Renter’s Insurance: A Simple Guide

Are you considering filing a claim against your renter’s insurance? If so, you likely have several questions about the process. At Perry Insurance Agency, servicing Vernal, UT, our experienced professionals can guide you through this procedure. In this blog, we give you a comprehensive rundown of how to file a claim against your renter’s insurance and what to expect. Remember, the procedures to file a claim can vary across insurance companies. Let’s get started!

Getting in Touch With Your Insurance Company

Begin by discussing the damage sustained by your home with your insurance company. Your insurance agent will help you understand whether the damage falls under your renter’s insurance coverage and outline the next steps accordingly.

Documenting the Damage

Before you start the clean-up, ensure to take pictures of the damage. This documentation will come in handy during the claims process. If possible, speak to the claims adjuster at your insurance agency about the best practices to capture and document the damage.

Understanding Your Insurance Policy

An in-depth knowledge of your renter’s insurance policy can be immensely helpful. If you’ve misplaced your copy, don’t hesitate to request another from your insurance agent.

File the Claim

After you’ve initiated the claims process with your insurance agent’s help, you need to adhere to the steps provided by your insurance company. You may need to fill out forms and complete related documentation.

If you need further help, feel free to contact your insurance agent at Perry Insurance Agency, servicing Vernal, UT. We’re dedicated to helping our clients, whether it’s filing a claim or updating an insurance policy.

Do Freelance Writers Need Commercial Insurance?

Every business owner knows they must purchase commercial insurance to provide coverage in case the unfortunate and unexpected occur. However, with more and more gig worker positions becoming available, it can be challenging to determine whether a person should purchase commercial insurance or not. You might wonder if a freelance writer needs commercial insurance. Here is an overview that can answer this question. 

Is Freelance Writing Your Business?

If freelance writing is the primary business that you’re working on most of the time, then you should, by all means, find a good commercial insurance policy. This is especially true if you have employees. However, commercial insurance may not be warranted if you only write on the side and never publish anything. If you’re unsure, sit down with your insurance agent and ask some questions. Chances are, you can obtain a very affordably priced rate for commercial insurance. Remember, the first step to covering your business is to determine whether you have a business or not. If you write sporadically for fun, commercial insurance may be unnecessary. 

Commercial Insurance Can Be Useful

While freelance writers working full-time might benefit from purchasing a commercial insurance policy, think carefully as you peruse the many possible insurers. Living in Vernal, UT doesn’t make it challenging to find adequate coverage since you might never know if you might be sued for plagiarism or some other complaint. 

As you can see, while freelance writers don’t need to have commercial insurance coverage, it’s always a good idea, especially if the person writes for a living. If you’re in need of a new insurance agent and you live in the Vernal, UT area, give us a call at Perry Insurance Agency. We have gone above and beyond to ensure all our customers are happy with their coverage.

Four of the most common insurance mistakes homeowners make

Home insurance mistakes could cost you a lot of money down the road. When you insure your property in Vernal, UT, it’s crucial that you make the right decisions and protect your investment in your home. At Perry Insurance Agency, we can help.

Here are four of the most common home insurance mistakes homeowners must avoid.   

Choosing a policy with a high deductible amount

While it might initially seem like a good idea to choose a high deductible for your policy, this could create financial problems if you eventually have to file a claim.

Ensure that your deductible amount is low enough that you’ll easily be able to pay it if you end up experiencing home damage and needing to file a claim.

Not making sure that outbuildings are covered.

If you have any outbuildings on your property, you should insure them. Home insurance policies won’t always automatically cover outbuildings like detached garages. That’s why it’s so important for you to read your policy’s fine print and ensure that all the buildings on your property are covered. 

Allowing a home insurance policy to lapse

Failing to make a premium payment could result in a lapse in home insurance policy coverage. Homeowners need to make all their payments on time to ensure their policy remains in effect. 

Failing to reconsider insurance needs periodically

A homeowner’s insurance needs can change. If your financial situation or your home’s value changes, you need to update your home insurance policy accordingly. That’s why you should periodically review your policy and consider any required updates. 

Insure your home in Vernal, UT, with a policy from Perry Insurance Agency. We’d be happy to assist you if you’re looking for the right home insurance solution. Call us now, and we’ll give you a quote on a home insurance policy. 

How to Buy Renters Insurance

If you rent your home or live in the dorms, you need renters insurance. Renters insurance replaces your personal property if it’s damaged by fire, burglary, and other events, offering financial peace of mind for those who aren’t covered by homeowners policies. At Perry Insurance Agency in Vernal, UT, we can walk you through the process step-by-step so you can make the proper selection for your unique situation. 

Step-by-Step Checklist for Securing Renters Insurance

  1. Research renters insurance so you understand this type of policy’s general intention and function. Knowing how renters insurance works will help you collect the most useful information and make the most educated decisions. 
  2. Find out what is and isn’t covered under the property owner’s policy. If possible, contact the property owner and request a copy of the policy or face sheet to understand better where gaps might exist. 
  3. Create an inventory of your personal property. The inventory should include the item’s name, any model or serial number (if applicable), its value, and, if possible, a photo of the item. Once your inventory is completed, you can determine the value of your personal property. 
  4. Request a quote. If you receive more than one quote, ensure you understand how the coverage varies from one policy to the next.

Once you’ve decided which policy makes the most sense for you, you can work with your insurance agent to get the policy in force. Then, you can rest assured that you have the coverage you need as a renter.

To learn more about renters insurance or get started today, contact us at Perry Insurance Agency in Vernal, UT

What is full-time RV insurance and who needs it?

A common misconception among RV owners concerns those who need full-time RV insurance. The standard for full-time status for RV owners is 150 days per year, not 365. If you spend five months per year in your RV, you may lack proper coverage without a full-time RV insurance policy. So, if you live near Vernal, UT, contact our team at Perry Insurance Agency. We’re here to help ensure you have the RV coverage you need.

What Is Full-Time RV Insurance?

Traditional or short-term RV insurance is like auto insurance, while full-time RV adds coverage similar to a homeowner’s policy. Traditional RV insurance covers liabilities resulting from an accident while driving, such as:

  • Bodily injury and property
  • Comprehensive and collision for your RV
  • Medical coverage for you or your injured passengers
  • Underinsured motorist coverage

A short-term RV policy provides coverage while you are on the road but doesn’t cover losses when you park your RV (and live in it for 150 days or more per year). That is where a full-time RV policy comes in since it offers broader coverage for:

  • Bodily injury and property in and around your parked RV
  • Personal effects kept in your RV
  • HOA fees for losses to common areas
  • Temporary lodging while your RV undergoes repairs
  • Adjacent Structures: carports, decks

As always, the time to ensure you have proper insurance coverage is before you need it. If you think you may need full-time RV insurance, act now to ensure you have the right coverage for your RV.

Working With Perry Insurance Agency

Our friendly team at Perry Insurance Agency, serving Vernal, UT, is ready to address all your insurance needs. Stop in or call today to ensure your RV and other insurance needs are adequately covered.

Motorcycle Accident Checklist: What to Do After a Minor Motorcycle Accident

Knowing what to do in a minor motorcycle accident is an essential responsibility for bike owners. At Perry Insurance Agency in Vernal, UT, we encourage bike owners to read up on the steps to take before an accident ever occurs. Hence, they feel prepared if they find themselves in this unfortunate situation. Here are the steps you should take should you ever be involved in a minor motorcycle accident: 

  1. Move to a safe place immediately. If you are in the roadway, move away from oncoming traffic, leaving your bike exactly as it landed after the accident. 
  2. Seek medical attention if you need it. Call 911 if you or somebody else is seriously injured. The safety of those involved should always come before exchanging information or reporting the accident.
  3. Report the accident to the police and answer all questions truthfully to aid in investigating the accident. Avoid admitting fault or offering additional details not solicited to limit your liability. 
  4. To the extent possible, gather information at the scene. Ask the other driver involved, if applicable, for their first and last name, phone number, and insurance information. Take photos of the location of the accident, including your motorcycle and any other vehicles involved. Take pictures of any visible injuries not immediately tended to by emergency medical personnel. 
  5. Call your insurance company to report the accident. 
  6. If you believe you were the victim of an accident where another driver was at fault, consider hiring an attorney to ensure you’re protected moving forward. If you think you were at fault, your insurance company can assist you with next steps. 

To learn more about motorcycle insurance, visit us at Perry Insurance Agency in Vernal, UT. We can help you choose the policy that offers the protection you need!

What Types of Watercraft Are Covered by Boat Insurance?

For boat owners in Vernal, UT, our team at Perry Insurance Agency is happy to provide boat insurance options that cover different types of watercraft. Although watercraft insurance might sound like it would cover any boat or vehicle that goes on the water, boat insurance policies have certain parameters that dictate whether they cover a specific type of watercraft. For boat owners, we know how important it is to protect your watercraft from theft, damage, and liability. Before you take your boat or other vehicle out on the water, you should look into the types of insurance coverage that may be able to cover your watercraft.

What Is Boat Insurance?

Boat insurance policies, also known as “watercraft insurance,” cover a range of different vehicles designed to go on the water. These policies typically provide coverage for liability, damage, replacement of a stolen boat up to a certain amount, and other protection. Since every boat insurance policy has limits and terms that are unique to that policy, you’ll want to ask your agent about the specifics of your policy.

What Kinds of Watercraft Qualify for Boat Insurance?

While some policies may cover specific types of boats, boat insurance generally covers a few types of boats. Motorboats, sailboats, and yachts are typically covered by boat insurance. Other policies like home insurance may cover some watercraft such as kayaks if they meet certain requirements. They might also be covered by boat insurance depending on the policy. Also, some vehicles like jetskis may be covered under recreational insurance. Some policies cover specific watercraft while others are general.

To learn whether our boat insurance policies may cover your watercraft, call our office at Perry Insurance Agency in Vernal, UT today!

Three things about umbrella insurance that some consumers don’t understand

Umbrella insurance is one of the most misunderstood types of insurance coverage out there. At Perry Insurance Agency, we want to ensure that consumers in Vernal, UT understand what umbrella insurance is and how it works.

The following are three things about umbrella insurance that some consumers don’t understand. 

Umbrella insurance isn’t just for rich consumers.

Many people associate umbrella insurance coverage with the very wealthy. However, this doesn’t mean that a more modest-income consumer cannot benefit from umbrella insurance.

The vast majority of consumers can benefit from purchasing umbrella insurance even if they are not rich. 

Umbrella insurance can’t replace other types of coverage.

Some consumers don’t understand that umbrella insurance is not a standalone type of insurance coverage. This means that umbrella insurance cannot replace other types of insurance like home insurance and auto insurance.

Umbrella insurance complements a consumer’s other insurance policies. This means that umbrella insurance offers added coverage over the maximum coverage amounts of a consumer’s home or auto insurance policy. 

Umbrella insurance only covers liability expenses. 

Umbrella insurance does not cover any of a consumer’s physical possessions. You cannot file a claim for damage to your home on an umbrella insurance policy. 

Liability damages are the only types of damage that an umbrella insurance policy covers. This means that umbrella insurance protects a consumer against expenses encountered as the result of a lawsuit or as the result of accident damages determined to be the policyholder’s fault. 

If you need more information about umbrella insurance in Vernal, UT, we’re here to help you at Perry Insurance Agency. Contact us today, and we’ll quote you an umbrella insurance policy that will provide you with the financial protection you need. 

Reasons to Have a Life Insurance Policy

Serving the Vernal, UT area, the agents at the Perry Insurance Agency love explaining the importance of life insurance for you and your loved ones. This is because life insurance is a critical policy that can offer security and peace of mind for you and your loved ones. A life insurance policy will provide a financial safety net and ensure your family’s needs are met during your death. There are several important reasons why having a life insurance policy is imperative. Read on for more information.

Reasons Life Insurance is Important

The main reason it is essential to have a life insurance policy is to be able to provide financial protection for your loved ones after you are gone from this earth. A life insurance policy will help you with day-to-day expenses, mortgage payments, and other outstanding debts. It will even help them cover your funeral costs and the education costs for your children. The payout your loved ones will receive from your life insurance policy will ease the burden when it comes to finances so that they can maintain their quality of life and grieve your death correctly.

Types of Life Insurance Policies

There are several different types of life insurance policies you can choose from. One of those is term life insurance, which covers a specific term. It only pays out a death benefit if you pass away during the policy term.

Whole life insurance offers lifelong coverage and a guaranteed death benefit for your loved ones. A universal life insurance policy will pay out a death benefit to your beneficiaries when you die, but it also has a savings option and even earns interest. This means you can borrow money from your policy ahead of time to pay off debts so your loved ones don’t have to worry about it when you are gone. A variable life insurance policy will allow you to invest the cash value portion of your policy in various investment options to have a higher return on your life insurance policy possibly.

Contact Perry Insurance Agency

The agents at the Perry Insurance Agency, serving the Vernal, UT area, are here to help you with all your life insurance needs. Call today for an appointment to get your life insurance policy started.

Tips to improve your gas mileage

Gas mileage is an essential factor when it comes to staying within budget and being environmentally conscious here in the Vernal, UT area. Here are some tips to help you improve your gas mileage from us at Perry Insurance Agency: 

1. Keep Your Tires Properly Inflated– Ensure your tires are properly inflated, as underinflated tires can increase the fuel needed to keep your car moving. You should check the tire pressure at least once a month and adjust accordingly. 

2. Avoid Unnecessary Idling- When you’re stuck in traffic or waiting for someone, try to turn off your engine if possible. Idling wastes fuel and increases pollution, so only idle when absolutely necessary. 

3. Drive More Efficiently- Accelerate and brake gradually to reduce wear on your brakes and conserve fuel. Pay attention to the speed limit and try not to drive faster than necessary, as this wastes fuel. 

4. Plan Your Trips Ahead of Time– Planning out your trips ahead of time allows you to optimize driving routes, saving time and money on gas by avoiding heavy traffic zones or roads with stop signs frequently placed in a row; both cause more need for acceleration and braking resulting in wasted fuel, plus more time stuck in traffic which increases emissions that harm the environment! 

By following these easy tips, you can maximize your gas mileage while keeping costs low and reducing air pollution! For more information, give us at Perry Insurance Agency a call today. We proudly serve the Vernal, UT area and would be glad to help you find a policy that meets your needs and budget.