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. 

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.