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. 

Is RV Insurance Mandatory in Utah?

There’s never a dull moment when you hit the road in an RV. If you love the great outdoors, RV road trips in Utah promise to be the experience of a lifetime. For stress-free travels, protect yourself against accidents with RV insurance. Here’s how RV insurance from Perry Insurance Agency works to protect you on the road.

RV Coverage Options

RV policies in Vernal, UT offer a number of coverage options to suit your RV lifestyle. You can customize your policy by picking and choosing the coverage best suited to your needs. Whether you live in your RV fulltime or use it for seasonal road trips, you can benefit from the protection that RV insurance has to offer via the following coverage options:   

  • Liability Bodily Injury & Property Damage
  • Collision
  • Comprehensive
  • Uninsured Motorist
  • RV Replacement Cost

Mandatory RV Insurance

Liability bodily injury and property damage coverage is mandatory in Utah. It pays for the injuries and property damage of other drivers in accidents you cause. As RV accidents have the potential to cause a lot of damage, we recommend getting as much liability protection as you can afford.

Optional RV Insurance

Collision, comprehensive and uninsured motorist coverage help pay for your RV repairs if it’s damaged in a collision, vandalized, suffers weather or fire damage, or is hit by an uninsured driver. If your RV is stolen, comprehensive insurance compensates you for its market value so you don’t suffer a total loss. New RV replacement cost coverage covers the cost of replacing your new RV if it’s completely destroyed in an accident or disaster.

RV insurance lets you enjoy your RV to the full knowing you’re protected against any eventuality that can cause financial loss. To purchase your RV coverage, contact Perry Insurance Agency, serving RV owners in Vernal, UT, and surrounding communities.

Does Motorcycle Insurance Cover Medical Bills?

As a motorcycle rider in Vernal, UT, you understand the importance of having your medical bills covered in the event of an accident. Motorcycle insurance policies do not automatically cover medical expenses, so you’ll need to purchase this insurance separately. The professionals at Perry Insurance Agency can help you determine how much medical insurance you’ll need and how to add that coverage to your already existing motorcycle insurance. 

In Utah, Personal Injury Protection coverage can be added to your policy. This additional type of insurance will cover your medical bills, lost wages, and any lost household services if you’re involved in an accident, no matter who is at fault. As it’s difficult to tell what will happen when you get on the road, a Personal Injury Protection policy is one of the best ways to protect yourself in the event of an accident. 

Riders often assume that their basic medical insurance covers their medical bills if they’re involved in an accident. However, this is often not the case. It’s best not to figure this out after you’ve been involved in an accident and are staring down a stack of medical bills. Instead, invest in the insurance coverage that you need upfront so that you’re protected when you hit the road. We can help protect your bike, ensure that your bills are paid, and cover your lost wages while you recover, with a comprehensive policy that will cover all of your needs. 

When you need the best motorcycle insurance coverage possible, covering your bike, potential medical bills, lost wages, and more, contact the talented professionals at Perry Insurance Agency. We serve the Vernal, UT area, providing motorcyclists with the coverage that they need. Contact us today to learn more about the specific coverage that you need to match your riding style and protect you in the event of an accident. 

Boat Insurance Basics

Boat Insurance Basics

Boat insurance protects your boat in many ways. You can create a custom policy with Vernal, UT’s Perry Insurance Agency that covers liability, damage to other people’s property, damage to your own watercraft plus medical bills for yourself and your passengers.

While few states require boat insurance, it makes a smart investment for any boat or other watercraft owner. Although it goes by the name boat insurance, it covers any type of watercraft, so you can also cover your Seadoos, jet skis, plus small and large watercraft, from motorboats and speedboats to yachts.

In a similar manner to auto insurance, this type of policy lets you customize coverage so you obtain a policy that provides the protection you desire whether that refers to liability coverage or property damage, or medical coverage. Boat insurance lets you add all three types of coverage or only obtain one or two types.

Liability coverage provides protection against you getting sued and losing your proverbial shirt. If you cause an accident, the liability coverage pays for the medical costs of the person or persons you harmed as well as any court settlement, attorney costs, and court fees.

Property damage coverage provides payment to the other party whose property you damaged. It does not pay for damage to your own boat. You would require comprehensive and collision insurance to cover the damage to your own boat or other watercraft.

Medical insurance covers your own injuries and that of those who are passengers in your boat when you caused the accident. If another party caused the accident, their liability coverage would pay for this, but if they had no coverage, your medical insurance would cover your and your passengers’ medical costs.

Contact Perry Insurance Agency serving Vernal, UT to learn more about the many uses of boat insurance. We can help you obtain the coverage you need.

Do I need umbrella insurance in Vernal?

For people that are in the Vernal, UT area, having a proper personal insurance plan in place is very important. A quality insurance plan can include home, auto, and other forms of insurance. One additional form of insurance that should be considered is umbrella insurance. This type of insurance will provide you with additional personal liability protection on top of your base insurance policies. There are several reasons why you may need to have this coverage.

Needed for Peace of Mind

One of the reasons to get umbrella coverage is so you can have peace of mind. While you can try to predict as many risks as possible, there are always going to be events that you are surprised by. If there is ever something that happens and it comes with a big liability claim, having the right insurance in place to protect against it is important. With umbrella insurance, you can receive coverage for a broad range of different risks.

More Coverage

Similar to having coverage for more risks, an umbrella insurance policy is also a good idea as it will give you additional coverage on top of your other policies. If you ever cause serious damages in an auto accident that exceed your policy limits, the umbrella policy will be helpful. In these situations, the umbrella policy will start to cover claims after your base policy has been maxed out. 

There are a lot of situations when having umbrella insurance is a good idea for someone in Vernal, UT. If you believe that this insurance is right for you, it would be a good idea to contact the team at the Perry Insurance Agency. When you do call the Perry Insurance Agency, you can receive the guidance and support that you need to fully understand this unique form of insurance. 

What do I need to think about when choosing a life insurance policy?

Those that live in the Vernal, UT area will have plenty of insurance needs, which can include getting home or auto insurance. Another important form of insurance that someone should get is life insurance. This type of insurance is ideal for those that are looking to protect the financial future of their dependents. There are several factors to think about when you are choosing a new life insurance policy. 

Amount of Coverage Needed

One factor that you need to consider when you are choosing a life insurance policy is the amount of coverage to receive. This can be a complicated and very personal factor that needs to be decided when applying for insurance. You should make sure that the policy offers financial protection for all of your dependent’s future expenses, which can include the costs of living, housing, future education and even retirement costs.

Type of Policy

Picking the right policy is also a big decision. Many life insurance buyers end up getting a term life insurance policy, which will give you an affordable form of insurance and can be personalized and curtailed based on your individual needs. Another option to consider is a whole life policy, which will give you coverage for the rest of your life but will also provide you with a conservative form of investment.

When you are shopping for life insurance in the Vernal, UT area, you should reach out to the team at the Perry Insurance Agency. The insurance team at the Perry Insurance Agency can help anyone here better understand their options and life insurance needs. This will help to ensure that you get into a policy that gives you and your dependants the right type and level of protection. 

Learning Utah Automobile Insurance Requirements

One of the most beautiful states in the country, Utahans love to travel from the Four Corners to Salt Lake City and all points in between.  As such, learning Utah automobile insurance requirements is a precondition of heading out to the open highway.  From minimal insurance requirements required by the state to enhanced insurance options that can keep you on the road with car rental options should you get in an accident; working with a trusted insurance agent can help you make the right decision.  For Vernal, UT residents looking for automobile insurance that fits their driving needs, we welcome you to come into our office at Perry Insurance Agency to learn about your responsibilities and options when getting that next automobile insurance policy.

Auto Insurance Requirements in Utah

At the very minimum, Utah drivers must demonstrate financial responsibility through possession of minimal liability insurance.  These policies mandate coverage for injuries to a single person, more than one person, as well as additional coverage to cover and property damage that results in an accident.  What this means in practice is that while you can legally drive on Utah roadways, your vehicle would not be subject to coverage without a full policy in place.  Deciding which route is the best for your situation means sitting down with a licensed insurance agent to discuss your full range of vehicle insurance options.

Contact Perry Insurance Agency for Your Auto Insurance Needs

Drivers in Vernal, UT are welcome to come to visit our trusted, friendly, and knowledgeable agents to discuss the details of your auto insurance needs.  Every driver’s situation is different, so a one size fits all policy is hardly the correct prescription from one driver to the next.  When you are looking to find a policy that is the perfect fit for your situation, our Perry Insurance Agency agents are standing by to help you make an informed decision of what policy options are available to protect you, your family, and your property.

Does my Vernal UT small business need commercial insurance

Owning a small business in Vernal, UT comes with lots of stress and anxiety and is a dream come true for many people. Lots of bad things can happen and even though no one wants to dwell on the negative, being prepared by having a good commercial insurance policy can minimize the impact of any hazard on your small business. At Perry Insurance Agency we understand business insurance coverage is not one size fits all and by getting to know our clients we can customize a policy that is perfect for your business. 

Commercial property insurance

It is not possible to do business without a place to do business and the equipment you need for your office and your particular product production. If a covered event happens like a fire or other damage, commercial property insurance will allow you to make the necessary repairs or replace your inventory and equipment. This is important coverage even if you rent the actual location. 

Business interruption insurance

When something happens which causes you to cease doing business temporarily, your expenses will continue. While you are waiting to reopen business you need money to pay your day to day expenses. Business interruption insurance can be a lifesaver. Some hazards are excluded so be sure to read your policy carefully to avoid disappointment and misunderstanding. 

Business liability insurance

Being sued is something no one ever wants to think about but in the event, it does happen, this insurance can help you to get the legal representation you need and pay any judgment that won against you. 

Workers’ Compensation

The majority of workers in Utah must be covered by workers’ compensation insurance and as an employer, you are mandated to carry it. 

At Perry Insurance Agency in Vernal, UT, we want to help local small businesses protect themselves. Give our office a call to set up an appointment to discuss your needs 

When Accidents Happen: How Home Insurance Protects You

You’ve invested a lot in your home so you need to protect it with home insurance.  Home insurance is also a major tool to protect you financially.  Most homeowners consider insurance as a means to recover from a fire or severe weather event but it provides so much more.  Our agents at Perry Insurance Agency work with homeowners in the Vernal, UT area to get the right coverage for them. 

The home insurance policy covers the physical structure and everything inside of it.  This can help you recover from a fire or weather event faster.  It also protects items, such as electronics, if they are stolen or damaged away from home.  For instance, if your child’s laptop is stolen while they are at the library, it is still covered.  Also, all structures including pergolas, outbuildings, and fencing are covered. 

Consider, though, the importance of the liability coverage.  If someone is injured on your property and you are found to be at fault or negligent, the home insurance policy will cover their medical expenses.  This is an enormous amount of financial protection as medical expenses can quickly outpace what you are able to cover.  Also, should they sue you, it will cover their legal fees.  It’s easy to see that without the protection of home insurance, you and your family could be financially ruined following an accident. 

At Perry Insurance Agency, our agents work with homeowners in the Vernal, UT area to make sure that they have adequate home coverage.  Unfortunately, accidents do happen every day.  If something does happen, our team is ready to help you and your family through it.  Start with checking out some of the general information on our website.  Then contact us for more information.  Your home is important to you.  Let’s protect it today!