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. 

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. 

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.  

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.

The Basics of Renters Insurance

While the government doesn’t require anyone to carry homeowners’ insurance, your mortgage company may need you to purchase coverage to protect the property and your personal belongings. Even when it’s not required, most people know the importance of carrying insurance on their residence. But what about when you don’t own the home? Yes, you can purchase insurance for your home even if you lease your living space.

As a renter, you face the same risks as a homeowner. When disaster strikes, it doesn’t matter whether you own or lease the home. You need an insurance policy that can protect you from financial loss in the event of an incident that results in the loss or damage of property in your leased home. That’s what renters’ insurance does. Perry Insurance Agency in Vernal, UT can help you get a renter’s insurance policy to protect your personal items in a rented living space.

What Does Renters’ Insurance Cover?

Note that the insurance provided by the home association or your landlord only covers the building structure, not your personal belongings. Renters insurance covers any loss or damage to personal items when you are living in a rental space. On top of that, the coverage also provides liability in case someone sustains an injury due to an accident in your house and decides to sue. Renters insurance is meant to rescue you in times of disaster, just like homeowners’ insurance.

Imagine losing all your furniture, clothes, and other items due to a fire or any other unfortunate occurrence. A renters’ insurance policy will help you recover from such losses. Getting renters’ insurance is a smart investment, even if you are just starting out. If you are looking for renters’ insurance coverage in Utah or one of the other 23 states we write policies for, Perry Insurance Agency in Vernal, UT can help you get coverage that guarantees protection for your personal belongings in a rental space. Give us a call for more information.

The Basics of RV insurance

While an RV insurance policy has almost the same types of coverage as auto insurance, there are certain specifics that RV owners should understand beforehand. If you own a recreational vehicle or just want to learn more about RV insurance coverage options and how it works, Perry Insurance Agency will help you out. The four basic coverages that apply to recreational vehicles include:

Liability coverage

The coverage protects you financially when you inadvertently cause bodily injury to others or damage their properties. It doesn’t cover damage to your RV or bodily injury to you or your family members. The coverage is legally required in Vernal, UT. It is recommended that you purchase a liability coverage that is slightly higher than your state minimum.

Uninsured & Underinsured Motorist Coverage

This is a coverage option that will protect you when an uninsured or underinsured driver hits your recreational vehicle. The coverages can be split or combined depending on your personal preferences. In most cases, you can only use the coverage for motorhomes and not towable. It is advisable to purchase both coverages because their premiums are relatively low.

Collision Coverage

The coverage is designed to protect your recreational vehicle when you accidentally hit a non-living object such as a wall, fence, or pole. It is important to remember that the coverage doesn’t cover your RV when you file for a claim that doesn’t result from a collision or when you hit an animal. The coverage will reimburse you regardless of who was determined to be at fault.

Comprehensive Coverage

The coverage protects you when your RV gets damaged in an accident that is not associated with a collision. Collision doesn’t cover losses such as fire, larceny, civil commotion or riot, vandalism, earthquakes, and windstorm or hail.

It is crucial to discuss your RV insurance needs with one of our insurance agents at Perry Insurance Agency because not all the coverages mentioned above will cover every accidental loss. Do you need RV insurance in Vernal, UT? Call us today for more information and guidelines on how to choose the right coverage.

 

Will Motorcycle Insurance Cover Physical Therapy After An Accident?

Residents of Vernal, UT are big into motorcycles, which is a situation we’ve had to adapt to at Perry Insurance Agency. That’s because some of our customers have experienced accidents and needed high-quality physical therapy to recover. In many instances, their insurance may (or may not) cover their recovery.

A Basic Policy Does Not Cover Physical Therapy

One problem you’re going to discover with your basic motorcycle insurance is that it is unlikely to cover physical therapy after an accident. While it will cover some types of medical problems (including those of anybody you injure in your accident), a specialized coverage type must be added to ensure that you don’t end up with a huge physical therapy bill after an accident.

You Can Add Specialized Coverage Types

Personal Injury Protection or PIP is a type of motorcycle insurance coverage that will handle medical bills, physical therapy, and more after you go through an accident. You will have to pay a little bit more for this kind of coverage because it is designed to be a supplemental type. However, adding it will ensure that you can get treatment for health problems after an accident.

Other Coverage Types to Consider

If you are worried about suffering an accident on your motorcycle, you should also get extra collision insurance and liability coverage. These types will ensure that you don’t lose money if you get sued and lose and will protect your finances in case you have to pay for somebody’s medical recovery.

You Deserve Great Motorcycle Insurance

So if you live in Vernal, UT and want the most reliable motorcycle insurance available, please contact us at Perry Insurance Agency. We will search far and wide for the best policy and make sure that you are protected from serious injury, no matter what the cost.

Do You Need Boat Insurance During Periods When You Don’t Use Your Boat?

A boat is a major investment and can cost as much as a car or even a home. You need the right type of coverage to protect yourself and others while you are out enjoying the open water. You may have questions, however, about coverage requirements when you are using the boat. Don’t guess about your insurance. Get answers that will help you achieve protection year round.

Boat Insurance Needs

Of course, you know that you need coverage when you are on the water, but what about when the boat is docked or not being used? You may also wonder about coverage when the boat is in storage or parked at your residence. If your boat is in the water and not being used, you should still maintain insurance coverage in the event of an accident or a theft. You may also need to move your boat, and you don’t want to be unprotected. If you take the boat out of the water and store it, the storage facility will have insurance to protect it. Likewise, your homeowner’s insurance may provide coverage if it is on your property. Ask your agent about covering your boat during the months when not in use. 

Finding The Right Boat Insurance

Get the right type of boat insurance by working with a knowledgeable agent. If you live in or around the Vernal, UT area, you can depend on Perry Insurance Agency to help you discover coverage options that fit your individual needs so you can get protection that covers you all year. Let our knowledgeable agents work with you to explore your options today.

Residents who live near the Vernal, UT area should contact Perry Insurance Agency to get more information about boat insurance. Call or stop by the office to schedule an appointment or get answers to your questions. Be sure to ask about the 24 other states we write policies for as well to see if we can work with you!