As we travel through life, having a secure homebase is just as important as all the roads we take on our adventures. Maybe more important. Your house is not just wood and siding and tile. It’s your home, your family’s place of safety, and will probably be the biggest, most important purchase you’ll ever make. Protect it.
In Utah, Homeowners Insurance provides both property and liability coverage for comprehensive protection from financial harm. Simply put, it protects your shelter.
Property coverage insures the architecture of your residence and other detached structures like sheds and garages. Property coverage includes your personal belongings inside your home. Homeowners policies cover the most common causes of damage including fire, hail, windstorm, blizzards, lightning, vandalism, and theft.
According to a 2015 report from the National Fire Protection Association, there is a residential structure fire every 86 seconds. It can happen so quickly and take so little for your biggest investment to go up in smoke along with everything you cherish.
The right Utah Homeowners Insurance policy does more than cover repairs to the structure and replace your lost possessions, it also pays for temporary housing if you and your family are unable to live in your home during repairs, including meals.
Homeowners Liability Insurance protects you from litigation for damage that occurs at your residence. You can’t always control what happens on your property and lawsuits are more common and costly than most think. If someone slips and falls or a neighbor’s child grabs your dog’s tail and is bitten, Homeowners Insurance would cover medical payments to visitors injured on your property, legal fees, and any settlements resulting from a lawsuit in which you are found liable. The same can be said for a visitor’s property being accidentally damaged while at your residence.
Our SIG agents will patiently go over all your details to determine a proper level of coverage. We can help you identify risk management solutions like smoke detectors or security systems that can increase the safety of your home and lower your premiums. Be sure to mention if you have particular valuables you want to be sure are included like engagement rings, gun collections, furs, or artwork so we can customize your policy specifically to you. Some kinds of damage like, flood or earthquake damage, are not covered by standard Homeowners policies so be sure to ask your agent if these are something you should consider. Our 6 Month Check Up is a great way to make sure that you’re still happy with your coverage and make sure that there haven’t been any recent changes that could leave you inadvertently underinsured.
Most mortgages require you to have Homeowners Insurance in Utah, but even if your home is paid off, the SIG Homeowners Path to Protection ensures that this possibly decades long investment is safe for decades to come.
At the end of the day, your home is where you lay your head. It keeps your loved ones snug on cold, rainy nights. You deserve to sleep not wondering if one sudden storm, one tipped over candle could take it all way. Your home is there for you when you need it. Let SIG help you keep it that way.
Find your adventure. Drive up mountains, drive until you reach the sea. But do it with the assurance that should something happen along the way, you are protected.