Leaving something behind for your beneficiaries is vital for most people. When people depend on you, leaving something behind is essential. When you’re looking into life insurance, there are two main types that you can choose from. Term life and whole life insurance work in different ways, but each has important benefits for policyholders. Call us at Christensen Insurance Group in Sandy, UT when you need a life insurance policy.
Term Life Insurance
This type is named the way it is because it’s suitable only for a specific term. When the policy is written, it states the term of time that the policy will stay in effect. Once the term is over, the life insurance policy expires. After this, you will no longer be covered and will have to find a new policy to get covered again. One of the best benefits of this type of policy is that these policies tend to be inexpensive. These policies are often the only affordable type for those on a budget.
Whole Life Insurance
When you want a policy that will protect you for your whole life, this is the type of insurance to get. It never expires. As long as the policyholder keeps making the payments for the policy, it will stay in effect. Knowing that you never have to get a new policy can bring peace of mind. This type of policy also builds its own cash value. As the years pass, this amount builds up, and you can borrow against this value. However, this type of insurance is more expensive than term life. Many people have to choose term life because of its low cost.
Get Life Insurance from Christensen Insurance Group
Call us at Christensen Insurance Group in Sandy, UT to get your life insurance policy.
Anyone in the Sandy, UT area will want to know they have a reliable mode of transportation. One of the ways you can do this is by investing in a car. When shopping for a vehicle, you also need to consider your insurance needs. For various reasons, you will need an auto insurance plan in full effect in this part of the state.
Meet State Requirements
One of the reasons you will need to carry an auto insurance plan at all times is to meet any state requirements. Just like in other states, those who are in Utah will need to have insurance to comply with requirements regarding liability insurance. With this insurance, you will remain in good standing with such obligations.
If you purchase a car in Utah, you will make a very sizable investment that you will want to protect as well as you can. A great way that this can be done is by getting a full auto insurance plan. When you do have a full auto insurance plan with comprehensive and collision coverage, it will give you all forms of support. This includes if you incur a loss in an accident due to theft or another situation that would result in a loss.
It is essential for people in and around Sandy, UT always to have a full auto insurance plan. If you are ready to start looking for this coverage here, call our team with the Christensen Insurance Group. When you call our team at the Christensen Insurance Group, you can obtain all the support you need to build an ideal policy.
As residents of Sandy, UT, we know that we live in an area prone to earthquakes. We may have felt a few tremors or heard stories from our friends and family about the damage caused by earthquakes. But how at risk are we? And do we need earthquake insurance to protect ourselves and our homes? Christensen Insurance Group explores the factors determining earthquake risk and provides guidance on whether you should consider investing in earthquake insurance.
Determining your Needs
Assessing earthquake risk is a complex process that involves several variables. Factors determining risk include your home’s location, the building’s age and stability, and the local geology. For instance, if your home is near a fault line, you may be at a higher risk of experiencing an earthquake. Similarly, if your home is older and has not been retrofitted to withstand seismic activity, it may be more susceptible to damage if an earthquake occurs in Sandy, UT.
Earthquake insurance is a type of coverage specifically designed to protect your home and belongings in an earthquake. Depending on your policy, it can cover the cost of repairing or rebuilding your home, replacing damaged personal property, and paying for temporary housing during the repair process. However, earthquake insurance is not mandatory in most areas, and the decision to purchase it depends on various factors. One of the primary considerations is the level of earthquake risk that your area poses.
Assessing earthquake risk is an important consideration for homeowners in Sandy, UT. By understanding the factors that determine earthquake risk, you can make an informed decision about whether or not to invest in earthquake insurance. Remember, earthquake insurance is not mandatory but can provide valuable protection in an earthquake. Contact Christensen Insurance Group to learn more.
Classic cars are more than just vehicles. For many people, classic cars are an essential hobby and passion. Hobbies are always more fun when you share them with others who share that passion. At Christensen Insurance Group, we help classic car enthusiasts in Sandy, UT, and the surrounding areas, make the most of classic car ownership. Keep reading to learn how to connect with other classic car enthusiasts.
Car shows are by far one of the easiest and funniest ways to connect with other car enthusiasts. Car shows are held in a variety of locations all over the United States. You can check with your local community when car shows are scheduled. When visiting car shows, don’t be shy. There is nothing car enthusiasts like to talk about more than their cars, so go on up to car owners and ask questions, compliment their ride, and make a new friend. They will probably also be able to tell you about upcoming events.
Expos are a little different than car shows because an Expo is usually put on by an organized group marketing certain things. An Expo is still a great way to learn new things about classic car ownership and meet others who are interested in these same things you are interested in.
Online communities are also a wonderful place to meet people with similar interests. Thousands of online groups, social media groups, and websites are dedicated to classic cars. You can start conversations and even get in on meet-ups with others interested in classic cars.
If you’d like to learn about classic car insurance, please contact us at Christensen Insurance Group, serving Sandy, UT, and the surrounding areas.
RV owners often face confusion when selecting the right insurance coverage for their recreational vehicles. Examining common misconceptions about RV insurance and gathering accurate information to make informed decisions about coverage options is important. We at Christensen Insurance Group are dedicated to guiding RV owners through the complexities of insurance policies.
Misconception #1: Auto Insurance Covers RVs
While auto insurance may provide some coverage for your RV, it’s unlikely to offer the comprehensive protection you need. RV insurance is designed to cover the risks and liabilities of owning and operating a recreational vehicle. For complete protection, it’s essential to have a separate RV insurance policy.
Misconception #2: All RV Insurance Policies Are the Same
RV insurance policies can vary significantly depending on factors such as the type of RV, its usage, and the policyholder’s preferences. Coverage options include collision, comprehensive, liability, and additional coverages tailored to specific needs, such as full-time RV living or vacation liability. It’s important to carefully review your policy options and choose the coverage that best fits your individual circumstances.
Misconception #3: RV Insurance Is Only Necessary for Frequent Travelers
Even if you don’t use your RV frequently, it’s still crucial to have proper insurance coverage. Accidents and damage can occur anytime, whether your RV is on the road or parked at home. RV insurance can help protect you from financial loss resulting from unexpected events, such as theft, vandalism, or natural disasters.
Misconception #4: Homeowners Insurance Covers Your RV
While homeowners insurance may provide limited coverage for the personal property stored in your RV, it typically does not extend to the RV itself or the unique liabilities associated with its use. To ensure your RV and its contents are adequately protected, obtaining a separate RV insurance policy is essential.
Dispelling common misconceptions about RV insurance is crucial for RV owners in Sandy, UT, who want to make informed decisions about their coverage options. Contact us at Christensen Insurance Group for guidance and assistance selecting the right RV insurance policy.
Motorcycles are a special category of vehicle and therefore need a special type of insurance. At Christensen Insurance Group, serving Sandy UT, and the surrounding areas, we want to help motorcycle owners make smart insurance choices. Keep reading to learn more.
Can I Use Regular Insurance for My Bike?
It is not recommended to put your bike on a regular auto policy. The reason is that there are some increased risks of accidents and injuries for motorcycles that do not exist for regular vehicles. A motorcycle policy will provide for this extra coverage to ensure that you have the resources available to help pay for expenses in the event that you are in an accident.
Are Motorcycles More Dangerous Than Cars and Trucks?
For insurance purposes, motorcycles are often categorized as a higher-risk type of vehicle. There is simply not as much protection for you as the driver. This means that if you were to get into an accident, there is a much greater chance of injuries. Bikers also have somewhat less control over their bikes than a driver in a vehicle would. This poses an additional threat of risk to other drivers as well. All of these factors combined make a motorcycle a slightly more dangerous type of vehicle to operate.
Do Motorcycle Safety Classes Make A Difference?
Yes, it is always advisable to participate in a motorcycle safety class if you can. These types of classes will help you better understand how to keep yourself and other drivers safe on the road.
If you would like to learn more about motorcycle insurance, please contact us at Christensen Insurance Group, serving Sandy, UT, and the surrounding areas. We will be happy to answer your questions and find the right insurance policy for you today.
Utah Has Some of the Strictest Boat Insurance and Registration Requirements
Boating in Utah, there are many requirements to stay legal on the state’s waters. Registration for both motorboats and sailboats is required, though kayaks and other smaller boats are exempt. PWC, or personal watercraft that use a motor and a jet of water for propulsion, also require registration. Currently, only motorboats with a 50 horsepower or greater motor are required to carry liability insurance, which is more than most sailboats would use as a backup. They aren’t required to carry insurance by law. Sailboats may be required by places they visit or are stored, such as marinas, to have minimum levels of insurance coverage. With today’s busy waterways, these requirements may change, and insurance is always a good idea to protect yourself, especially on larger or more valuable boats. Keep in touch with Christensen Insurance Group in Sandy, UT to stay abreast of changes in Utah boating insurance requirements.
Out-of-State Visitors Need to Meet Home-State Requirements
If you’re bringing a sailboat from another state, Utah allows up to 90 days to register your boat and insure it as a resident. Otherwise, adherence to your home state’s registration and insurance requirements is required when visiting. Of course, you’re still liable for accidents and at risk for your own boat’s safety if something happens, so coverage is still wise.
No Matter What Insurance You Carry, Follow the Utah Boating Checklist
Utah has a list of requirements based on vessel size, including warning devices, life vests, throwable floatation devices, and bailing devices. If you have insurance, ensure you meet state requirements for your vessel and any additional insurance requirements. Call Christensen Insurance Group in Sandy, UT, and we can help.
Boat owners need to carry boat insurance coverage and be adequately informed about how their policy works. Boaters in Sandy, UT can get boat insurance from Christensen Insurance Group.
The following are four things you shouldn’t assume about boat insurance.
Boat insurance policies are confusing.
A boat insurance policy is not any more confusing than other types of insurance policies like auto insurance and home insurance policies.
You need to read the fine print and understand the coverage you’re getting. You should not be discouraged from purchasing coverage and fully understanding the coverage you purchase because you think boat insurance coverage is too complicated.
You should buy the least expensive policy available.
You want to find the boat insurance policy that provides you with the most value. Getting a few different quotes on boat insurance policies is important. However, that doesn’t mean you should purchase the cheapest available policy.
You should evaluate policy offers and choose a policy that offers you a combination of both competitive prices and complete, reliable coverage.
Boat insurance isn’t necessary because it’s not required by law.
Don’t forego boat insurance because it’s not legally required in your area. If you don’t carry boat insurance, you could be financially devastated if you end up in an accident.
Your boat insurance policy is in effect everywhere.
Boat insurance policies are always limited to certain navigational areas. You aren’t covered in all waters just because you have boat insurance.
If you’re ready to get a quote on a boat insurance policy, you can contact us at Christensen Insurance Group. We insure boat owners in Sandy, UT, so that they can be financially secure while using their watercraft.
When most people think of home insurance, they likely don’t consider the potential for flooding. Homeowners’ insurance often does not cover damage due to flooding, and homeowners must purchase a separate flood insurance policy to be protected. Flood insurance from Christensen Insurance Group can help protect your finances if your property is damaged or destroyed by floods caused by heavy rains, melting snow, hurricanes, and other natural disasters in the Sandy, UT area.
As well as providing financial protection from flooding, flood insurance can provide peace of mind. Knowing that you are protected if your property is damaged or destroyed by a natural disaster can alleviate some of the stress associated with the threat of floods.
Knowing what type of coverage your flood insurance policy offers is vital before purchasing. Many policies cover structural repairs for damage caused by water but may not cover contents inside the home, such as furniture, appliances, electronics, and clothing. It’s also important to understand limits and exclusions on coverage so that you fully understand what is covered in case of a significant event.
The cost of flood insurance will vary based on the level of coverage and location of your home. It’s essential to shop around and compare rates from different insurance providers to find the best value for your money.
Taking the time to ensure you have adequate flood insurance can help protect your finances and peace of mind during times of natural disaster. Make sure you understand what type of coverage each policy offers, and shop around for the best deal before making a final purchase. For more information, give us at Christensen Insurance Group a call today. We proudly serve the Sandy, UT area.
Boating is a great way to spend time with your family and friends, but it’s important to make sure you’re covered in case of an accident. Comprehensive boat insurance will give you peace of mind, knowing that your investment is protected from unexpected events like storms and fires. Read on to learn more about why boat insurance in Sandy, UT is so important.
Types of Boat Insurance Coverage
Comprehensive boat insurance covers boats and other watercraft, including motorboats, pontoons, jet skis, and more. It provides financial protection against physical damage caused by accidents or natural disasters such as fire, flood, or hail damage. It also covers theft or vandalism, liability, and medical payments for injuries sustained while on the boat.
Why You Need Boat Insurance
Boat insurance helps protect your vessel in case of an unexpected event and any related costs associated with damages or liability claims. Even if you don’t plan on taking your boat out often, it’s still important to have coverage in case of a disaster. Without comprehensive coverage, you could be held liable for any damages caused by your vessel — even if it wasn’t your fault!
Costs for Boat Insurance Policies
The cost of a comprehensive boat insurance policy depends on several factors such as the size of the boat, its age and value, its use (pleasure or business), where it’s kept when not in use (in a marina or at home) and whether there are additional riders for special items like fishing equipment. The best way to determine how much coverage you need is to speak with an experienced independent agent at Christensen Insurance Group who can help customize a policy that meets your needs and budget.
To find out more about what type of coverage in Sandy, UT, would be right for you, contact Christensen Insurance Group today!