Opening your renewal statement to find a premium increase is incredibly frustrating, especially when you have a spotless driving record. While individual factors like speeding tickets and at-fault accidents drastically impact your rate, insurance pricing is also heavily driven by macro-level, state-wide risk pools. Even if you are the safest driver in the Salt Lake … Read more
The golden rule of auto insurance is simple but heavily misunderstood: insurance follows the vehicle, not the driver. If you lend your car to a friend or family member in Utah, your auto insurance acts as the primary coverage if they cause an accident. When you give someone permission to drive your vehicle, a concept … Read more
Investing in multi-family rental property in Salt Lake City can be an excellent wealth-building strategy. Whether you own a duplex, triplex, or 4-plex, these properties offer multiple income streams and often better returns than single-family rentals. However, they also come with unique insurance needs that differ from both single-family rentals and larger apartment buildings. Understanding … Read more
If you’re renting out a property in Utah—whether it’s a single-family home, a condo, or a unit in a multi-family building—one of the most critical mistakes you can make is assuming your standard homeowners insurance will protect you. It won’t. Homeowners insurance and landlord insurance (also called rental property insurance or dwelling fire insurance) are … Read more
Umbrella insurance is one of those insurance products many people have heard of but don’t fully understand. Some dismiss it as something only wealthy people need, while others aren’t sure what it actually covers. The truth is that umbrella insurance provides valuable protection for far more people than realize it—and it’s surprisingly affordable. If you … Read more
Starting a new business in Utah is exciting—and comes with numerous decisions, tasks, and responsibilities. Among the many items on your startup checklist, obtaining proper business insurance is one of the most important steps you’ll take to protect your new venture. Many new business owners either delay getting insurance, purchase inadequate coverage, or don’t fully … Read more
If you own a business in Utah, you’ve likely encountered requests for a “certificate of insurance” or COI. Whether you’re bidding on a contract, signing a lease, or working with a new client, certificates of insurance are a routine part of business operations. Yet many business owners don’t fully understand what they are, why they’re … Read more
Winter in Utah brings some of the most challenging driving conditions in the country. From sudden snowstorms along I-15 to icy mountain passes and fog in the valleys, Utah’s winter roads demand respect, preparation, and proper insurance coverage. Whether you’re a longtime resident or new to Utah winters, understanding how to protect yourself both on … Read more
Fall in Utah brings cooler temperatures, changing leaves, and the certain knowledge that winter is coming. Before the snow flies and temperatures drop, taking time for essential home maintenance can prevent costly damage, keep your family safe and comfortable, and potentially prevent insurance claims down the road. Many home insurance claims stem from preventable maintenance … Read more
If you own rental property in Utah—whether it’s a single-family home, a duplex, or a multi-unit building—standard homeowners insurance won’t adequately protect your investment. Landlord insurance (also called rental property insurance or dwelling fire insurance) is specifically designed to cover the unique risks property owners face when renting to tenants. Many first-time landlords don’t realize … Read more