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. 

Commercial Insurance Protections And Why They Matter

Three Important Choices, Three Rewarding Protections

For your business in our service area, including Vernal, UT, Perry Insurance Agency provides a set of three essential insurance protections for small and medium-sized business owners. These go beyond government-required coverage like vehicle liability insurance and workers’ compensation and nurture the roots of your growing business against disruption.

General Liability Coverage Protects Your Assets and Business

If someone claims injury or damage from your business, it can create a devastating effect to defend against the claim. Insurance personnel works with you to deal with these inevitable disruptive effects.

Commercial Property Coverage Protects Your Physical Assets

Fire, flood, earthquake, and other ways your property can be damaged or lost need a way to move on. Our insurance carriers help you manage your business in the face of this physical loss, and get moving again.

Business Income Insurance Steps in When Income Generation is Affected

When you lose the use of components of your business, it can’t function as you intended. Your factory can’t produce and sell. This coverage helps you keep going until you’re back in business again.

Keeping Your Dreams and Plans On Track

In Vernal, UT, Perry Insurance Agency stands ready to help you plan for your business’s future with these three vital coverages, which step in when your ability to make a living with your business is threatened. Our professionals help you select the amounts and types of insurance to keep your business on track even when the unimaginable happens, such as earthquakes and floods. We also help our clients use the insurance they’ve purchased to keep their dreams in sight, using sound business practices and insightful methods. Contact us for insurance, and let’s build a relationship based on your future.

Cleaning Tips for Renters

Renting a home is a great way to simplify your living arrangements. Many people choose to rent because there are fewer responsibilities, but one responsibility you can’t overlook is cleaning. At Perry Insurance Agency, serving Vernal, UT, and the surrounding areas, we are here to help renters with insurance decisions and other rental topics. Keep reading to learn more. 

Why Cleaning Your Rental Matters

Renting can be an excellent housing arrangement, but there are specific responsibilities that you commit to when you sign your lease. You will need to ensure that you keep the property up to the expected standards of the landlord or property manager. 

Keeping your rental clean can also help decrease the chances of pest infestations and fire risks. 

Keep Out The Clutter

The most important cleaning tip for your rental is to keep clutter out. Clutter will proliferate, and this can cause many problems for your rental house. It can attract pests such as bugs and mice. It can also increase the chances of fire risks as well. 

Maintain Exterior 

Your rental is not only a reflection on you as a tenant but also on the property owner or landlord. The property owner will want the property’s exterior maintained in a certain way to ensure they can maintain their business reputation in the community. 

Daily/Weekly Cleaning 

In addition to the tips mentioned above, you will also want to stay on top of daily/weekly cleaning chores inside the home. This will include your basic daily cleaning to enhance the home’s livability for yourself and your family. Not only does this type of cleaning make the home more pleasant to live in, but in the long run, it also helps keep the house’s overall quality up. 

If you want to learn about renters insurance, please get in touch with us at Perry Insurance Agency, serving Vernal, UT, and the surrounding areas. 

What Does Commercial Insurance Cover?

If you are a business owner, you want to protect the investment of hard work, money, and time invested in your business. The best way to do this is through a commercial insurance policy. The commercial insurance agents at the Perry Insurance Agency in the Vernal, UT area want you to know and understand what commercial insurance covers. Read on for more information.

Commercial Auto Liability

Commercial auto liability insurance is imperative to have in the state of Utah. This is because all vehicles must be covered under a minimum amount of liability insurance. This law includes any vehicles that are owned by your business or are driven for your business. This consists of any personal cars, vans, SUVs, or trucks that are driven for the purpose of your business.

Commercial Liability Insurance Coverage

Commercial liability insurance is critical to have since it can protect your business in a variety of different ways. For example, if someone slips and falls at your business and is injured, this part of your commercial insurance policy will help pay their medical bills and possibly any lost wages they incur. This type of liability insurance can also help if someone files a lawsuit against you for things like slander, copyright infringement, or libel.

Commercial Property Insurance

You should have commercial property insurance because you never know what is going to happen. If a fire ravages your business, this part of your policy will help you replace your inventory. It can also help you recoup any losses you suffer due to theft or even a burglary at your business.

Commercial property insurance will help you recover any inventory lost due to a fire, vandalism, or natural disaster. This type of insurance will also help you recover any losses you suffer if your business is broken into or a theft incident occurs.

Contact Us

To create the best commercial insurance policy for you and your business, contact the experienced and trustworthy commercial insurance agents at the Perry Insurance Agency, serving the Vernal, UT area.