Utah Home Insurance
If you are a homeowner in Utah, you probably already know that being located near the West Coast you are prone to earthquake activity. When you are looking for a homeowner insurance policy, you may want to consider purchasing additional earthquake damage insurance. By just answering a few simple questions, you can obtain an immediate rate quote from several different agencies in just a few minutes.
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In addition to earthquake coverage, those looking to a buy a homeowner's insurance policy in Utah will probably also want to look into flood damage coverage. Many people don't think of Utah as a particularly flood prone state, however, homeowners in Utah have a 26% chance of having a flood and only a 9% chance of having a fire, according to the State of Utah Department of Insurance. For that reason, the insurance commissioner recently urged homeowners in Utah to look over their policies and consider purchasing additional flood damage insurance. Most standard homeowners' policies do not cover flood damage. A standard or HO-3 policy which is the most common type of homeowner's policy, will cover your home from damage resulting from most natural disasters, but not floods or earthquakes.
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Some factors to keep in mind that may affect your premium when you are looking for additional homeowners insurance coverage are: the age of your home; whether your home is constructed of brick or wood - homes constructed of wood are better able to withstand the forces of an earthquake, and therefore will lower your premium; and the location of your home - your geographic area is rated in terms of a probability of an earthquake, fire, or flood occurring.
Protecting your home from nature's surprises doesn't have to be difficult or confusing. Request a rate quote comparison today to ensure that you are protected in the future.
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