Buying an RV? Don’t forget about liability coverage!

Residents in the Vernal, UT area considering purchasing an RV can turn to the team at Perry Insurance Agency for all of their insurance needs. Feel free to give us a call or stop by our office with any questions that you may have about RV or any other type of insurance.

Why liability protection is essential for RV owners

RVs are large vehicles that can cause a significant level of damage when they are involved in traffic mishaps. This is true for both cars as well as property. In addition to the liability that can be involved with damage caused by traffic accidents, there are other areas of concern.

Many folks use their RVs as a "home on wheels" and live in their vehicles as they travel. This often means they set up camp in an RV park or campground for a certain period and stay in their RVs. While they are living in their vehicles, they may also entertain and have guests over to visit. If an injury should occur while a guest is onboard the vehicle, there can be liability issues at hand. 

Because this situation is possible, it is crucial to protect oneself. With a robust RV policy that includes sufficient liability protection, one can rest assured that they will have the coverage they need.

We look forward to working with you!

If you need a little guidance regarding insurance matters, Perry Insurance Agency is here to provide that assistance. We are proud to serve the greater Vernal, UT area and look forward to working with you too! Call or stop by today to learn more about RV insurance options.

Four Benefit of Motorcycle Insurance Offered in Utah

Owning a motorcycle in Vernal, UT is incredible as one tends to benefit from the great experience of riding on it. Whether a veteran rider or you just purchased your first bike, protecting yourself and the cycle is a critical affair as risks associated with an occurrence resulting in property damage and bodily injury may be suffocating. It is a requirement for a motorcycle owner to consider an insurance policy for their motorcycle. 

Perry Insurance Agency offers a tailor-made solution for your motorcycle insurance needs in Vernal, UT. Shop for your motorcycle insurance with us today and achieve the satisfaction you desire.

Legal compulsory requirements by the state aside, it is prudent for one to consider available insurance options for your motorcycle insurance that are reasonable and affordable. A motorcycle owner will benefit from several things among:

  • Comprehensive coverage– This coverage mitigates risks associated with damage or losses from an accident other than a collision. These include vandalism, theft, fire, falling objects, or even damage from lightning or a storm.
  • Liability coverage– It covers damage and bodily injuries to other people if an accident occurs. It is crucial to note that in case of an accident where you are at fault, it does not cover personal injuries or damage to the motorcycle.
  • Loan/lease-pay-off – This applies if your motorcycle is stolen or destroyed. Though it’s optional, it compensates for the face value of your bike in the event it’s stolen or damaged, minus the remaining lease or loan amount.
  • Payment for property damage or bodily injury is provided for under this policy if the other party in the accident is underinsured or not insured at all.
  • Medical expense coverage– The policyholder benefit from this policy as medical bills for you and your passengers is paid in the event of an accident.
  • Roadside assistance covers transportation, food, and lodging if your bike has mechanical issues.

At Perry Insurance Agency, we will customize your motorcycle insurance needs to suit you. You will be fortunate to benefit from our services which may include collision and comprehensive cover, total replacement cost, bodily injury or property damage, accessory coverage, roadside assistance, medical liability, and more.

Deciding on how much insurance one needs for their motorcycle and the coverage in an accident that leaves other people injured or property damaged is paramount. Call or visit our offices at Perry Insurance Agency for all your bike insurance needs in Vernal, UT.

What happens if there’s a slip and fall accident on your boat?

Vernal, UT boat owners can rely on the Perry Insurance Agency team for all their insurance needs. We are proud to provide our clients with insurance options allowing them to choose the best policies that best meet their needs. Call or stop by today if you have any questions about your current boat insurance policy.

Liability coverage is an essential part of any boat insurance policy

Slip and fall accidents can be a frequent occurrence, especially on boats. Unfortunately, if a passenger on your boat has such a mishap, you can be held financially responsible for their medical expenses. This is why many boat owners in our area opt for a robust amount of liability and medical expense coverage. 

With the proper protection in place, you can avoid the financial expense that can occur due to injuries sustained in a slip and fall accident. No one wants to worry about a lawsuit from a friend or family member due to an accident. But you can be protected when you have a comprehensive boat insurance policy.

Owning a boat does come with risks, and it’s essential to protect yourself from them. Your local agent can help you determine the level of coverage and protection appropriate for your boat insurance needs. 

Let us help you find the coverage that’s right for you!

The team at Perry Insurance Agency is here to help the greater Vernal, UT community with all of its insurance needs. If you are considering getting a boat or think it may be time to upgrade your current policy, you can count on us for all your insurance needs. Contact our office today to find out more!

What Are the Coverages Included in an Umbrella Insurance Policy?

No one likes to think about the worst-case scenario. But when it comes to your finances, it’s always best to be prepared. That’s where umbrella insurance comes in. Umbrella insurance is designed to protect you from major financial losses. But what exactly does it cover? In this article, we’ll look at the different types of coverage included in an umbrella insurance policy. By the end, you’ll better understand this important coverage and how it can help protect you financially.

Umbrella insurance is an additional layer of protection that sits on top of your existing auto and homeowners insurance policies. It provides extra coverage in a major accident or catastrophic event. That means that if you are sued for damages that exceed the limits of your auto or homeowners insurance policies, your umbrella policy will kick in and help cover the costs.

Now that we’ve covered how umbrella insurance works, let’s look at the different types of coverage it can provide. The most common type of umbrella insurance is liability coverage. This coverage protects you from financial damages for which you may be held responsible. That could include things like medical bills, property damage, and legal fees. Liability coverage is important because it can help protect your assets and your future income.

In addition to liability coverage, umbrella insurance can also help you if you are sued for

  • Defamation: If you are accused of making false or derogatory statements about another person, umbrella insurance can help cover your legal expenses.
  • Malicious Prosecution: If you are sued for filing a false police report or making false accusations against someone, your umbrella policy can help cover your legal expenses.

Umbrella insurance is vital in case of a significant accident or catastrophic event. It can help protect you from financial damages for which you may be held responsible. If you’re looking for umbrella insurance, Perry Insurance Agency Vernal, UT can help you find the right policy for your needs. Give us a call today.

Is There More Than One Kind Of Life Insurance?

The primary role of life insurance is to offer “replacement income” when you die. This means your dependents can use your life insurance proceeds to meet their financial obligations, settle debts, pay your funeral expenses, etc. While the overall objective of life insurance is clear, you will learn that there are several life insurance policies to help you meet different needs.

Here are different types of life insurance policies. If you want to know the kind that suits you, don’t hesitate to contact or visit Perry Insurance Agency for personalized advice. All types of life insurance fall under two categories:

  • Term life insurance: This insurance plan covers you for a predetermined period, typically between 5 and 30 years. Protection ends once the period lapses, and you don’t get any compensation despite years of premium contributions. You may renew the policy, but it will be more expensive since you are now older. If your health has deteriorated, expect to renew your policy at higher premiums.
  • Whole life insurance: This policy covers you for a lifetime. This coverage also accumulates a cash value that you can borrow against or use to supplement your retirement income.

You may ask whether you can have more than one type of life insurance policy. The simple answer is yes. As your life changes, you may realize that one type doesn’t cover you optimally. Nothing should stop you from buying an additional policy to cover your changing life insurance needs.

Life insurance in Vernal, UT 

Life insurance can be a complicated topic, but this doesn’t have to be the case if you partner with a knowledgeable insurance agent like Perry Insurance Agency. If you want to know the type of life insurance suitable for you, please contact us today.

Will renters insurance policy cover my pets?

A renters insurance policy protects renters living in an apartment or house. A standard renters insurance policy has three types of coverage to protect you, your personal belongings, and living arrangements after a disaster. The renter’s insurance is also commonly known as the tenants’ insurance. Do you need a renters insurance policy? Please speak to Perry Insurance Agency in Vernal, UT, for a customized policy suitable for you!

Will the renters insurance policy cover my pets?

The renter’s insurance policy will only cover pet damage if it is included in your liability coverage. This is not outright, and you need to inform our agents about your pet to have this included in your policy.

If you have a lawsuit for damages and injuries caused by your pet, Perry Insurance Agency will help pay for the medical expenses and damages up to a specific limit set in the policy documents. These include accidents that happen within your premises or outside your premises.

How will my renter’s insurance cover pet liability? 

The pet liability coverage in Vernal, UT is divided into two parts.

Bodily injury liability

Renters insurance policy will cover for injuries caused by your pet on anyone in your household, including your family members.

  • Property damage liability

The renter’s insurance policy will pay for damage caused to some else property.

How do I add a pet to my renter’s insurance policy?

To add a pet to your renter’s insurance policy, you will be required to provide information on the type of pet you keep, its breed, and size. Most renters insurance companies cover household pets such as dogs and cats. There are exemptions to some of these animals, especially if they are aggressive.

How much will I pay for renters insurance with pet liability included?

Pets coverage is included within the base premium for most renters insurance companies. This may vary, and you need to discuss this with the insurance agents.

Get your pets protected under a renters insurance policy by speaking to Perry Insurance Agency in Vernal, UT. Please do not hesitate to visit our website for more information!

Does Your Commercial Insurance Cover Your Vehicles?

Do you own vehicles for your Vernal, UT company and aren’t sure if you need to protect them with special insurance? Of course, you do: commercial auto insurance that you can add to your standard commercial insurance policy. Let us at Perry Insurance Agency explain this issue to you.

What is Commercial Auto Insurance? 

Commercial auto insurance helps to protect any vehicles used for business purposes. It can cover box trucks, delivery vehicles, work vans, service trucks, and much more. These policies help protect you from a myriad range of different issues.

Your Policy Covers Many Things 

When you buy a commercial auto insurance policy, you protect many aspects of your business. These elements all vary according to your financial situation and the scope of your policy. Just a few of the most common coverage options here include:

  • Property Damage – If one of your delivery vehicles damages property (including another car) while on the job, your policy will pay for the repairs or replacement of these items. 
  • Bodily Injury – Did your delivery driver cause an accident that hurt somebody else? If so, your insurance policy can help to pay for their medical treatment and lawsuits. 
  • Medical Payments – When your driver is injured in an accident (regardless of who was to blame), your policy is likely to cover many of their payment needs. 
  • Other Coverage Options – Combined single-limit, uninsured motorist, comprehensive physical damage, and collision coverage can all help to keep your facility safe from loss.

Protect Your Company’s Vehicles

If you own a company in Vernal, UT, and want to keep your vehicles safe, contact us at Perry Insurance Agency to learn more. Our team will work with you to determine what kind of protection makes the most sense for your needs. 

Must-have Commercial Insurance Coverages

While you are busy building your business, things like commercial insurance may fall by the wayside, putting your business in further jeopardy. But however busy you are, you need to pause for a moment and think about commercial insurance. Why? Business insurance cushions your business financially when the unexpected occurs.

While there are numerous commercial insurance coverages to consider, there are those you must buy regardless of the nature or size of your business. According to Perry Insurance Agency in Vernal UT, here are the must-have commercial insurance coverages.

Worker’s comp insurance

Although this coverage is mandatory in Utah, this isn’t the only reason to invest in it. Worker’s comp insurance protects your workers, resulting in improved productivity and reduced financial losses. This coverage protects you from lawsuits and cushions your employees against illnesses and work-related injuries.

Commercial auto insurance

If you own business vehicles, you need to invest in commercial auto insurance to ensure that your car and driver are protected when accidents happen.

General business liability

While this coverage isn’t compulsory in Utah, every business should invest in it. Because businesses are constantly exposed to liabilities, you must invest in liability coverage to cushion your business from financial losses.

Liability coverage protects your business against bodily injury, property damage, and advertising injury you may be accused by third parties.

Commercial property insurance

Your business operations run smoothly because of assets like IT equipment, buildings, furniture, and so forth. With this in mind, you should protect your assets with business insurance to ensure that your business operations run uninterrupted.

Cyber liability insurance

With the rise of technology, there is an upsurge in malicious online activities targeting businesses. For this reason, you should invest in cyber liability insurance to help you move on when you face the threat of hacking.

Invest in business insurance today!

Ready to protect your Vernal, UT with commercial insurance? Please get in touch with Perry Insurance Agency for an affordable quote.

Is Renters Insurance Required in Utah?

There are no state or federal laws mandating renters insurance in Utah. However, it is always a good idea to have this coverage as it will protect you from losses and liability costs. Additionally, many landlords in Utah will require renters insurance as part of their application process. That would be the only event where renters insurance is required in Utah.

At Perry Insurance Agency, we want Vernal, UT renters to be protected from all losses and liability costs.

What is Covered Under Renters Insurance?

Utah renters insurance covers contents, property damage, and liabilities. If there is any damage to the inside of your home or your contents, your renter’s insurance will cover that. 

Any damage or liability that happens outside your apartment, home, or unit, will be covered by your landlord’s insurance policy.

Contents Coverage

Contents coverage is insurance that can replace your belongings and property in the event of damage or theft. This includes everything in your home.
 
Many renters think they can replace content easily, but they don’t realize the value their content actually has. Take an inventory to determine what you have. Your contents coverage can cover this if something happens in your home.

Living Expenses

When you have renters insurance, you can get living expenses covered in the event that something happens to your unit for a certain amount of time. If there were a flood or fire, and you needed to evacuate, you could have your accommodations elsewhere paid for.

Liabilities

As a renter, if someone is in your home and an accident happens, you are responsible for their safety. If there is an injury, they have cause to sue or ask you to pay for the damages.

Renters insurance will cover those liabilities for you.

Get a Quote

When you have renters insurance in Utah, you will have more peace of mind as a renter. At Perry Insurance Agency in Vernal, UT we can help you find that peace of mind. Call us for a quote today.

3 Important Things You Need to Know About RV Insurance

RV insurance protects different types of trailers and their contents against damage and theft. Choosing the right coverage for your RV is a step to protect your investments. Perry Insurance Agency helps residents of Vernal, UT find a plan that protects their investments against the uncertainties of the future.

Some of the most important things you need to know about RV insurance are;

Costs

The average costs for insuring recreational vehicles are highly dependent on the provider, the type of RV, garaging location, driving history, usage, and the specific policy. An RV is a vital physical asset that needs protection with the right insurance. Vandalism, theft, fires, and damage losses are avoided by getting sufficient coverage limits and choosing viable deductible amounts. If you are a full-time RV driver, your insurance rates will be higher than those using theirs occasionally.

Coverage

There are different types of coverage for recreational vehicles and campers; full-time and part-time insurance policies. People living in their RVs need full-time coverage, which combines aspects of both homeowner’s insurance and auto insurance policies. If you use your RV occasionally, recreational or part-time coverage is best. Depending on the RV’s purpose, you can choose the standard RV coverage for collision insurance, comprehensive insurance, medical payment plans, and personal property coverage. The optional coverage offers more specialized option types for RVs such as residential liability, and personal attachments plans.

Necessity

If you own a driveable RV, it’s mandatory to get it a minimum coverage, depending on the state laws. As much as it isn’t a legal requirement for travel and tent trailers to be insured, an RV is an investment, and it needs protection as vehicles and homes. Motorhomes in Vernal, Utah, are legally required to be insured.

Different states have RV insurance policies to protect recreational vehicles and the owners from any financial responsibilities in the event of theft, fire, or vandalism. Contact Perry Insurance Agency serving Vernal, UT to get advice on the policy that best fits your needs.