Can You Insure a Jet Ski on a Boat Policy?

Boats and jet skis are two totally different yet similar things. They both go on the water, they both help you recreate, and they can both be damaged while in use. Despite all their similarities, they are generally not going to be insured on the same type of policy. For those in the Vernal, UT area, the agents with Perry Insurance Agency are going to be able to help you find the right insurance for your needs.

When it comes to insuring a jet ski you are likely going to need a personal watercraft policy that does cover the jet ski. This type of coverage is going to help take care of damages that are caused by wrecks, that are caused by other instances, and is also going to help with injuries. In some cases, you can add a jet ski to a boat policy but the coverage might be a bit iffy, to say the least. A personal watercraft policy is always going to be the best bet.

When you do seek to cover your jet ski you are going to need to make sure your coverage is specific to the jet ski and to the amount and type of use that it is going to experience. Insuring your personal watercraft is one of the best ways to make sure you are not going to have to deal with things like damages and with things like your jet ski being damaged or someone being injured while using it.

For those in the Vernal, UT area, the agents with Perry Insurance Agency can help you to find the best single or combined policy that does fit the needs that you have for your particular jet ski or other personal watercraft.   

Life Insurance Options Available in Vernal

Having adequate personal insurance is very important. For the majority of people and consumers, this includes having a home, auto, and medical insurance. Another type of insurance that people in Vernal, UT should consider getting is life insurance. When you are shopping for life insurance, there are some different options available to you. It is important to understand the benefits of each of these options. 

Term Life Insurance

For many consumers, the best form of life insurance to get term life insurance. With a term life insurance policy, you will receive a certain level of coverage for a period of time that you choose. Most term life policies last for 20 years or more as long as you continue to make premiums each month. This is often a preferred form of coverage as it will give you the most coverage compared to the amount you spend on premiums. However, all of the money spent on premiums will be lost.

Whole Life

The second type of insurance to think about is whole life insurance. With a whole life insurance policy, you will get coverage for the rest of your life, as long as you keep making payments. Further, the money that you spend on insurance will accumulate in value and is an asset that can be liquidated. This can make it a good investment option. 

Choosing the right life insurance policy in Vernal, UT is very important. Due to the importance of life insurance, you should reach out to the Perry Insurance Agency to discuss your life insurance options and needs. The professionals at the Perry Insurance Agency are very experienced when it comes to helping someone understand what their options are. They can then help you get into a great life insurance plan that provides you with the right level of protection.

How Does Umbrella Insurance Protect Someone?

Making sure that you are properly covered by insurance for liability is important. Most people today will have liability insurance already through their home and auto policies, but there are situations in which this is not enough. For some, getting an umbrella insurance policy is a great option as it could provide you with additional and very valuable insurance coverage. Umbrella insurance can protect someone a number of different ways. 

Gives Additional Coverage

One of the main ways that umbrella insurance can protect someone is by providing additional coverage. The average consumer will have some level of personal liability coverage through their home and auto policies. However, this level of coverage is somewhat limited when compared to the significant expense that can be incurred during some more serious accidents. When you have an umbrella insurance policy you will receive additional coverage that goes above and beyond your normal limits.

Covers Other Risks

Depending on your profession, getting liability insurance through an umbrella policy is also a great idea as it can give you coverage for risks that are not covered by your base personal policies. For example, someone that has a job that puts them at risk for slander may not receive coverage from their base insurance policies. However, coverage for this risk can be included in your umbrella insurance policy. 

Since there are many benefits that come with getting umbrella insurance, those that are in the Vernal, UT area should consider speaking with a professional about their needs. When shopping for umbrella insurance, you should contact the team at Perry Insurance Agency. The Perry Insurance Agency professionals can help someone to learn more about the benefits that come with umbrella insurance and to determine what level of coverage is appropriate for their situation. 

How Vernal, UT drivers can save money on car insurance

Whether you spend most of your drive time commuting to work or taking advantage of the beautiful Utah scenic byways, you have the same obligation to carry insurance as all the other drivers in the state. At Perry Insurance Agency, we try to at least help out by finding ways to help our customers save money on their policies.

To help you save money, the first thing we do is make sure you have the right coverage. You may be paying for something extra you don’t really need, or there may be an added protection you didn’t know about. By tailoring your policy to you, we can help you make sure you’re not paying more than you need to.

Then we can go through and find discounts that will help you out. You will be surprised when you see all the discounts offered by different insurance companies:

  • Multiple policy discount — Most insurance companies would love to have all your business, so they offer discounts if you carry multiple policies, like for homeowners and auto.
  • Good driver discount — If you’ve gone two years without getting into an accident or getting a moving violation, you may be able to save money with a good driver discount.
  • New vehicle — Newer vehicles are less likely to have the kinds of failures that result in accidents, and your new car may earn you a lower rate.
  • Lump sum premium payment — A lot of insurance companies will offer a reduced premium if you pay an entire year at once.
  • Passive restraint/security system — Does your car have extra airbags? A security system to deter theft? You may be able to get a discount for either or both.

These reasons and more can earn you a discount on your auto insurance in Vernal, UT. If you have any questions or want to find out how you can save money, please feel free to call Perry Insurance Agency today.

The Many Uses of Umbrella Insurance

Umbrella insurance is a term used to refer to several types of additional liability coverage that are usually bundled together. The Tyson Agency offers this type of coverage to people in the Inkerman, PA area who are responsible for large value assets, and who will also benefit from greater protection than what is provided by a typical policy.  

Umbrella insurance can be a good option for individuals or businesses who have a number of different, high-value insurance needs that can be managed together. Umbrella insurance typically adds additional coverage over typical policies for things like home owner’s policies, auto insurance, and anything else that may be subject to great losses. This is especially true for high-value assets such as large homes and luxury cars, which can be costly to replace after accidents or disasters. There are also certain high net worth individuals who want coverage in case of a lawsuit so that their personal assets are not at risk. A judgment against someone or their business can totally wipe out their assets if relevant coverage is not available to help them pay out the damages. This is why umbrella insurance policies are usually incremented in by millions of dollars at a time. Large values are normally considered when dealing with people who require this kind of serious protection. 

This is just a brief overview, and there are many other reasons why someone may want to purchase an umbrella policy. To speak with an agent who serves Inkerman, PA, contact The Tyson Agency at your earliest convenience. Someone can provide you with greater detail about how umbrella insurance will help your personal situation. 

Utah’s Home Insurance Requirements

As a homeowner, it is always important to protect your investment. Property owners in the Vernal, UT area have a great option to discuss coverage and requirements with Perry Insurance Agency. Homeowner’s insurance is the simplest way to get coverage against things like disasters, accidents, and vandalism. However, it is also important to be aware that each area of the country will have slightly different requirements. Like every other state, Utah requires a certain level of coverage on mortgaged homes because a bank also has an interest in preserving the property as an investment. 

Fortunately, Utah tends to be on the inexpensive side for coverage. The average policy within the state is a few hundred dollars below the national average. However, this can also change based on the size of the property and a number of other issues. Homes in Utah also need to be covered against natural disasters like earthquakes and mudslides that occur with some regularity. There are also separate flood insurance policies to protect against water damage, and this may be required if the property is located near water or within a flood zone. Landslides are also treated differently from other problems, and your provider may need to get separate coverage for these events because most normal homeowner’s insurance policies do not cover them. Earthquake insurance is also another kind of overlooked insurance that is usually separated out from homeowner’s policies within the state. This is worth looking into, as earthquakes are becoming more common in Utah and surrounding areas. 

For more help with homeowner’s coverage in the Vernal, UT area, you can speak with an agent from Perry Insurance Agency. These representatives are knowledgeable of Utah’s specific requirements. 

 

 

 

Why You Should Want Auto Insurance

Driving a car is a necessity for many people. You have a car in the Vernal, UT area, you need to make sure that you have proper auto insurance at all times. While most people know that it is required by law to carry at least a minimum level of liability auto insurance, there are also many other reasons why you should want to have coverage.

Gives Liability Protection

One reason why you should want to have auto insurance is that it will provide you with necessary liability protection. Driving a car is a big responsibility and comes with a lot of risks. Since being at fault in an auto accident is always a potential situation, you need to make sure that you are protected against this risk. Having auto insurance in place will do just that. 

Protects Your Asset

Another reason why you will want to have auto insurance is that it will protect your very valuable asset. Buying a car is the most significant purchase most people will ever make, after purchasing their home. Due to the significance of this purchase, it is important to make sure that your asset is properly covered by insurance. When you get a full collision and comprehensive insurance policy, you will receive coverage against a wide variety of different types of losses.

There are many reasons why you should want to have auto insurance. For those that are in the Vernal, UT area, speaking with the Perry Insurance Agency about their auto insurance options is a great choice. The team at the Perry Insurance Agency can help you to properly assess your auto insurance options and make sure that you get into a policy that provides you with the right level of coverage. 

Does Commercial Insurance Cover Lawsuit Costs?

Legal costs are something that many business owners have to deal with whether they like it or not. For business owners, it is always best to have an insurance policy in place that is going to cover all the bases and keep them protected. For those in the Vernal, UT area, the agents with Perry Insurance Agency can help you find the perfect commercial insurance policy for your needs every time.

For those business owners that find themselves being sued or facing legal costs, your commercial policy may help cover some of these costs. While it is not going to cover the outright costs of legal fees, you can use a commercial policy to help provide care and money if someone is hurt in your business. Often, lawsuits are based in injury and you can use your commercial policy to help pay the costs of the person that was injured to help cover medical costs and prevent the case from going to court.

If you are facing legal action or threat of legal action, you should talk with the person affected as well as with your insurance agent to see just what your policy is going to cover and how it can help you to keep from facing legal action. For those that are working to resolve legal issues, it is always best to see what your policy covers and to see if there is anything else that can be done prior to legal action. For those in the Vernal, UT area, the agents with Perry Insurance Agency can help you to tailor your insurance policy to fit the needs of your business and to keep you protected in any event so that you can keep your business working and can keep your business running.  

Car Insurance Laws in Utah

Like every other state in the USA, Utah has its own specific laws and regulations for car insurance. Drivers need to be aware of the local laws to avoid fines, traffic tickets, or liability from lawsuits. The Utah Insurance Department’s official site has provided some crucial information about getting auto insurance. 

No-Fault Insurance

Every vehicle is registered in the state of Utah is required to carry no-fault insurance and proof of insurance must be presented to any law enforcement officer if requested. This essentially means that every driver within the state needs to have some kind of coverage.

Automatic Verification

The state also maintains a database of registered drivers that is checked against insurance policies. When a registered vehicle is discovered without an insurance policy, a letter is automatically sent to the holder of the registration to inform them of the lapse in insurance. 

Penalties

The state has harsh penalties for drivers who are caught without insurance, which can include suspension registration or driver’s license, fines, court appearances, and even jail time for repeat offenders. Because of these severe sanctions, it is important to stay aware of your insurance status and be absolutely certain you can provide proof of insurance if you are going to drive. Car insurance is a necessity to use the state’s roads and maintain a valid vehicle registration.

For any other questions or concerns about car insurance in the Vernal, UT area, please contact Perry Insurance Agency. Representatives with knowledge of these state laws and local regulations in Vernal UT are available to assist you. Don’t hesitate to give Perry Insurance Agency a call today.   ,

Does a Mechanic Need Commercial Insurance?

Vernal, UT mechanics may debate buying commercial insurance for their shops. This debate is something that we take seriously at Perry Insurance Agency. In fact, we believe that mechanics who try to get away without buying commercial insurance policies will ultimately suffer from serious financial loss.

Commercial insurance is a typical requirement for most high-quality mechanics. These professionals work in what can be a demanding or even dangerous profession and need maximum protection. Commercial insurance types available for mechanics include:

  • General Liability Insurance – This basic type of liability insurance protects mechanics from third-party claims, such as if somebody gets injured on their property.
  • Garagekeepers Insurance – Protects a customer’s vehicle if somebody outside of the shop damages it or if it suffers from any damage from someone outside of the shop.
  • Workers’ Compensation – Any mechanic injury – such as serious cuts caused by work tools – can be covered by workers’ compensation protection.
  • Commercial Vehicle Insurance – Damage to company vehicles – such as loaners while mechanics work on a customer’s vehicle – are covered by this type of insurance.
  • Business Interruption Insurance – Protection of lost income when a business shuts down due to building damage or other issues.
  • Commercial Umbrella Insurance – Increased liability coverage for more severe problems or for lawsuits that cost more than most insurance will pay.

These commercial insurance options are essential for mechanics because they minimize the potential of severe losses, including avoiding common lawsuits and other concerns that may pop up. 

So, if you are a mechanic in Vernal, UT who wants great commercial insurance, please contact us at Perry Insurance Agency to learn more about your policy options. Our professionals will work hard to find a policy choice that works for your needs.