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. 

What do I need to think about when choosing a life insurance policy?

Those that live in the Vernal, UT area will have plenty of insurance needs, which can include getting home or auto insurance. Another important form of insurance that someone should get is life insurance. This type of insurance is ideal for those that are looking to protect the financial future of their dependents. There are several factors to think about when you are choosing a new life insurance policy. 

Amount of Coverage Needed

One factor that you need to consider when you are choosing a life insurance policy is the amount of coverage to receive. This can be a complicated and very personal factor that needs to be decided when applying for insurance. You should make sure that the policy offers financial protection for all of your dependent’s future expenses, which can include the costs of living, housing, future education and even retirement costs.

Type of Policy

Picking the right policy is also a big decision. Many life insurance buyers end up getting a term life insurance policy, which will give you an affordable form of insurance and can be personalized and curtailed based on your individual needs. Another option to consider is a whole life policy, which will give you coverage for the rest of your life but will also provide you with a conservative form of investment.

When you are shopping for life insurance in the Vernal, UT area, you should reach out to the team at the Perry Insurance Agency. The insurance team at the Perry Insurance Agency can help anyone here better understand their options and life insurance needs. This will help to ensure that you get into a policy that gives you and your dependants the right type and level of protection. 

Does my Vernal UT small business need commercial insurance

Owning a small business in Vernal, UT comes with lots of stress and anxiety and is a dream come true for many people. Lots of bad things can happen and even though no one wants to dwell on the negative, being prepared by having a good commercial insurance policy can minimize the impact of any hazard on your small business. At Perry Insurance Agency we understand business insurance coverage is not one size fits all and by getting to know our clients we can customize a policy that is perfect for your business. 

Commercial property insurance

It is not possible to do business without a place to do business and the equipment you need for your office and your particular product production. If a covered event happens like a fire or other damage, commercial property insurance will allow you to make the necessary repairs or replace your inventory and equipment. This is important coverage even if you rent the actual location. 

Business interruption insurance

When something happens which causes you to cease doing business temporarily, your expenses will continue. While you are waiting to reopen business you need money to pay your day to day expenses. Business interruption insurance can be a lifesaver. Some hazards are excluded so be sure to read your policy carefully to avoid disappointment and misunderstanding. 

Business liability insurance

Being sued is something no one ever wants to think about but in the event, it does happen, this insurance can help you to get the legal representation you need and pay any judgment that won against you. 

Workers’ Compensation

The majority of workers in Utah must be covered by workers’ compensation insurance and as an employer, you are mandated to carry it. 

At Perry Insurance Agency in Vernal, UT, we want to help local small businesses protect themselves. Give our office a call to set up an appointment to discuss your needs 

Protecting The Contents of Your Apartment With Renters Insurance

Are you currently renting an apartment or will you be renting an apartment in the Vernal, UT area soon? When you are going to begin the process of renting an apartment, you want to be aware of your insurance needs and also ensure you have adequate protection across the board.

Renters insurance is a big piece of the puzzle for anyone seeking out an apartment. When you are looking at renters insurance, the two pieces of coverage you want to hone in on is protection for your assets, as well as protection from a liability perspective. Renters insurance is a need you have to consider and it goes above and beyond what you have from other types of insurance coverage.

In terms of your assets, renters insurance will provide you with coverage if your property inside of the apartment is damaged, stolen, or something else depending on the type of loss. What you want to do is have evidence of the value of your different assets, pictures, receipts, whatever you can dig up to help with claims if there is a loss.

From a liability perspective, renters insurance can also help you as you will be able to get coverage if someone is injured in your apartment and you are liable for that injury. This can help with that loss, medical expenses, and so on. Renters insurance is critical for liability and helps to complement the coverage for your personal contents.

Renters insurance is something you need to shop for early, as soon as you sign on the line to take on the apartment. Having the protection of your assets, as well as protection from liability, is critical. Working with the Perry Insurance Agency can help you to shine a light on your insurance needs and be sure you have adequate coverage across the board before you start renting.  

Why a Utah business needs commercial insurance

If you are in the Vernal, UT area and are looking for a new career path, you should consider starting your own small business. This area of Utah offers a lot of potential and benefits to small business owners. However, if you are going to start a company in this area, you need to make sure that you get into a quality commercial insurance policy. There are several reasons why a business in this area needs to have commercial insurance at all times.

Required by Stakeholders

One reason why a company in Utah needs to have commercial insurance is that it could be a requirement. If you have taken out a loan or raised capital to start your company, your lender and investor will want to make sure that your business and their investment is protected. One of the best ways to do this is by getting a commercial insurance policy. Due to this, they will likely require that you carry this insurance at all times. 

Provides Security

Another advantage of getting commercial insurance is that it can provide your business with security. If you lose company assets in a fire or if your company is sued for liability, it could be very damaging. However, if you carry commercial insurance, you will have coverage for these situations. This could help to keep your company solvent. 

If you are hoping to start a business in the Vernal, UT area, it is very important that you get a quality commercial insurance policy. Those that are looking for insurance for their business need to contact the Perry Insurance Agency to start the process. When you call the Perry Insurance Agency, you will get to work with someone that you can trust and that is experienced in helping business owners to choose a commercial insurance policy that works for them. 

Who benefits from renters insurance? The tenant or the landlord?

Landlords in Vernal, UT as well as other countries have included another addition in their lease agreements–renters insurance. This is due to the popular assumption by tenants that the landlords’ insurance covers their personal property in the event of an accident. Perry Insurance Agency will help you understand more about renters insurance.

What is renter’s insurance?

This is a type of policy designed for individuals who rent a property. Since the renter is not the real owner of the property, this insurance helps protect the tenant’s property and provides liability coverage in case of issues.

Who should purchase renters insurance

Unlike the popular notion that landlords are responsible for renters insurance, tenants are responsible for this policy as it protects what is inside the apartments. The landlord also has his or her own insurance for the building which covers the gate, walls, floor and the ceiling of the property. 

Why it is important to tenants

As a tenant, your valuable possessions need to be protected from various inevitable calamities and destruction which can bring losses. Renters insurance offers liability coverage.  For instance, if a guest comes over and slips and falls badly that they break an arm, renters insurance can come in to sort the finance needed.

In case of fires or wind damage, renters insurance offers compensation and replacement of all goods destroyed. Damage from wind includes a tree falling on a property. When you purchase renters insurance, your property is also covered from theft or burglary. This is however dependable on an individual policy.

Wondering what type of insurance to buy as a tenant? Perry Insurance Agency has expert insurance advisors to help you out. Visit us at Vernal, UT today.