Home Insurance

You are not required by law in the state of Utah to carry home insurance, however, if your home is financed, the mortgage lender will require you to have home insurance and name them as the lender to protect their assets. Homeowner’s face many perils in Utah especially in the winter. These include ice dams that can damage your roof, heavy snow that can make trees fall on your home, and frozen pipes that can cause water damage. It is best to be proactive, rather than reactive and purchase a home insurance policy that fits your needs to protect your assets.

Homeowner Policy Coverage

A standard homeowner insurance policy from Behling-Perry Insurance Agency covers your dwelling. This pays for damage to your home and the structures attached to your home, such as an attached garage. It also pays for damages to plumbing, electrical wiring, heating, and HVAC systems.

• Other structures are included to pay for damage to tool sheds, fences, unattached garages, and guest cottages on your property.
• Personal property reimburses you for the value of your possessions lost in an accident, such as electronics, clothing, appliances and furniture.
• Loss of use pays some of your additional living costs while having to stay elsewhere when your house is being repaired.
• Personal liability covers your loss if you are sued and lose your case for accidents, injuries, or damages to another person.
• Medical payments pay the medical bills for people who are hurt on your property or by your pet.

Optional Coverage

• Flood insurance is not typically covered by a homeowner’s policy in Vernal, UT. However, you can purchase additional coverage to protect you in the case of flooding from very strong rains.
• Water backup is coverage to protect against water damages caused by a drain or sump pump backup or breaking.
• Scheduled personal property covers appraised items such as jewelry or antiques.
• Sports equipment coverage can protect expensive sports items like ski equipment and golf clubs.
• Yard and garden coverage gives you extra protection from falling trees, landscaping damage, and riding mower damages.

Buying homeowners insurance and making certain that you get all coverage’s that you need can be a tough task. Contact us at Behling-Perry Insurance Agency in Vernal, UT to talk to an experienced agent and get information over a policy you may have in question.