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Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

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Four things you shouldn’t assume about boat insurance

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. 

Why you need flood insurance on top of homeowners insurance

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.

Don’t Hit the Water Without Comprehensive Boat Insurance

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!

What does umbrella insurance cover?

Most people know that they need insurance to protect them from the risks of everyday life, but many don’t realize that umbrella insurance can offer additional protection. Umbrella insurance is a type of liability coverage that kicks in when the limits of other policies have been reached. It can provide peace of mind by protecting you from significant financial losses resulting from accidents or legal judgments.

What does umbrella insurance cover? Umbrella insurance typically provides broad protection against a wide range of risks, including:

  • Accidents
  • Injuries
  • Property damage
  • Legal judgments
  • Other liabilities that exceed the limits of your other insurance policies.

How much does umbrella insurance cost? The cost of umbrella insurance will depend on various factors, including the coverage limits you choose, where you live, and your individual risk profile. Typically, umbrella insurance is relatively affordable, with premiums ranging from around $150 to $300 per year.

Who should buy umbrella insurance? Anyone who wants to protect themselves against the financial risks associated with accidents, injuries, and legal judgments can benefit from purchasing an umbrella policy. However, it is vital for those at higher risk of incurring large losses due to their occupation or lifestyle, such as business owners, professionals, and high-net-worth individuals.

Umbrella insurance is essential to any comprehensive insurance plan and can provide peace of mind by helping you protect yourself from various potential financial losses. If you’re interested in learning more about umbrella insurance or getting a quote for coverage, give Christensen Insurance Group a call today. We proudly serve Sandy, UT, and the surrounding areas and are always willing to help you get the coverage you need.

Is flood insurance necessary outside of Sandy, UT area flood zones?

If you own a home in Sandy, UT or the surrounding area, Christensen Insurance Group is here to help you with all your insurance needs. Give us a call or stop by our office today!

Benefits of having flood insurance, no matter where your home is located

The main advantage of having flood insurance to protect your home is the coverage provided that most home policies don’t have. If you live in a low-lying area, or your basement seems to flood after every heavy storm, now is an ideal time to consider flood insurance.

Many homeowners aren’t aware that their homeowner’s policies don’t typically cover any damage caused by floods and flood water. Because of this, too many people are blindsided when they find out their insurance doesn’t cover major damage to their homes. Don’t let this happen to you!

With the right flood insurance policy, you can ensure that your home will have the protection it needs. Adding a flood insurance policy to your primary homeowner’s policy is an effective way to ensure that you and your family have the protection you need. Many places in our area that are outside of flood zones still experience flood damage. If you live in such an area, be sure to find a flood insurance policy to provide the protection you need for your home.   

We look forward to seeing you soon!

Christensen Insurance Group is proud to provide insurance services to our friends and neighbors in the Sandy, UT area. If you have questions about flood insurance, we are here to answer them. Come by our office, or give us a call today to find out more about flood insurance. 

The Differences Between Whole Life and Term Life Insurance

The two main types of life insurance are term life and whole life. There are a lot of differences between these forms of life insurance. Some will prefer one type while others will see more benefits in the other type. If you have people who depend on you, you need one of these life insurance types to leave something behind for them. To get started with a policy, call us at Christensen Insurance Group in Sandy, UT to find out more. 

The Time Period

One of the most significant differences between these two life insurance types is that term life has an expiration date, and whole life doesn’t. When you have a term life policy, the amount of time the policy will be in effect is stated upfront. After the end date, the policy expires, and you are no longer covered. If you want to be covered again, you have to get a new policy. With a whole life policy, it stays good for as long as you continue to pay for it. As long as you do, the company can’t cancel the policy for any reason. For many people, this gives them good peace of mind. 

A Cash Value

When you have a term life policy, it never builds up any cash value. There is no money associated with it that you can borrow against. But with a whole life policy, a cash value will accrue as the year’s pass. This is an amount that you will be able to borrow against in case of a financial emergency. This is another aspect that can bring peace of mind. 

Get the Coverage You Need

If you need a life insurance policy, options are available. When you need a policy in Sandy, UT, call us at Christensen Insurance Group.

Can Auto Insurance be Reinstated After Cancellation?

Auto insurance in Sandy, UT is mandatory for all vehicles registered in the state. Utah regularly checks insurance records against vehicle registrations. There are severe ramifications of allowing auto insurance in Utah to lapse. They include possible fines, registration revoked, or harsher penalties if you are found driving as an uninsured motorist.

Reasons For Auto Insurance Cancellation

Auto insurance may be canceled by the insured or by the insurance agency. Common reasons why an insurance agency may cancel a policy include:

  • non-payment of premiums
  • excessive number of claims within a short period
  • suspended or revoked driver’s license
  • ability to drive safely diminished due to health crisis
  • insured no longer eligible for coverage according to terms

If your auto insurance is canceled in Utah, and you wish to continue driving the vehicle, it’s essential to get coverage.

Can Auto Insurance be Reinstated After Cancellation?

Your auto insurance may be reinstated after cancellation, depending on why it was canceled. If the policy was canceled due to missed payments, Christensen Insurance Group, serving Sandy UT, may agree to reinstate the policy if you bring the past due amounts up to date.

Suppose the policy was canceled because you no longer qualify for auto insurance for legal or health reasons. In that case, you won’t be able to get your policy reinstated until those legal or health issues are resolved.

If the reason were for an excessive number of claims, you would likely need to switch to an auto insurance company for high-risk drivers.

If your auto insurance policy in Utah was canceled because you were dishonest on your application, you might have difficulties reinstating the insurance with the same agency.

Please contact Christensen Insurance Group, serving Sandy, UT for more information about auto insurance. We offer competitive auto insurance rates for a range of situations.

Reasons You May Need a Separate Earthquake Policy

Christensen Insurance Group, serving the greater Sandy, UT area, offers many insurance products, including homeowners insurance and earthquake insurance. When homeowners hear about earthquake insurance, they are often confused, as they think their homeowners’ insurance policy will cover their home in the event of an earthquake. Read on to learn more about this type of insurance and why you may need to purchase it. 

Does Homeowners Insurance Cover Earthquakes? 

Homeowners’ insurance typically covers things like fire, thieves, and hail. But, most policies exclude earthquakes. Most insurance policies will not cover damage to your home if an earthquake happens. Always look under the exclusions portion of a home insurance policy to see what may be excluded. You should consider purchasing your earthquake insurance if earthquakes are excluded under your policy. 

Why Should You Consider Buying an Earthquake Insurance Policy?

Buying an earthquake insurance policy is smart if you live in an area where earthquakes can happen. The policy helps cover you in many ways in case of an earthquake. First, an earthquake insurance policy helps cover any damage to your home and foundation. Earthquake insurance can also cover damage done to the belongings inside of your home due to an earthquake. Lastly, earthquake insurance will help cover the cost of living elsewhere until your home is deemed habitable if an earthquake caused substantial damage to your home. 

Christensen Insurance Group can help you find the right homeowners’ insurance and earthquake insurance policy in the greater Sandy, UT region. We work hard to ensure our customers are fully protected if something unexpected happens. Visit us today to obtain a quote for a new earthquake insurance policy. 

Why Shouldn’t I Insure My Classic Car With Normal Car Insurance?

Almost everyone likes to drive a classic car on occasion. The feel of the steering, the way the engine purrs when you give it gas, the way the leather smells when you first get it. It feels almost magical, like something from a bygone era, but it’s still a car and can get you from point A to point B.

Classic car owners in Sandy, UT often ask themselves if they should take out a standard insurance policy on their vintage car. Christensen Insurance Group has the experience and expertise to answer that question.

The Difference Between Vintage Car Insurance and Standard Auto Insurance

When finding the right car insurance policy, classic car owners should remember that there are two main types of car insurance: standard and specialty. Most standard car insurance policies cover the vehicle and the owner for basic loss and damage.

Classic car owners should consider purchasing specialty car insurance, which will provide additional coverage for the vehicle, such as collision, comprehensive, and theft. Some specialty car insurance policies offer a different range for the owner, such as disability and critical injury.

Which Vehicles Qualify As Vintage Cars?

For most people, the first thing that comes to mind when they think of a classic car is a car from the 1950s. However, in Utah, the definition of a "vintage" vehicle is much stricter. The Utah legislature has defined a "vintage" vehicle as any vehicle that is:

  • Over 30 years old
  • It is not used for general transportation purposes
  • It is considered a collector’s item
  • It is primarily used for display purposes in clubs, exhibits, parades, and other light uses

Do you own a classic/vintage car in Sandy, UT? Let Christensen Insurance Group help you protect your investment with a customized insurance policy today.

Maintenance Tips to Ensure Your RV is Safe to Hit the Roads This Summer

Recreational vehicles can be an excellent way for people to explore the country while still having a place to rest their heads at night. If your RV has been sitting all winter, there are a few things that Christensen Insurance Group, serving the greater Sandy, UT area, recommends that you do before you hit the roads this summer. Here are a few tips to help ensure your RV is safe before heading out for a summer trip. 

Take Your RV Out For a Test Spin

Before taking your RV out on a trip, be sure to take it out for a test spin around your neighborhood. After an RV has been sitting, you want to pull the RV out and ensure that everything functions. Take the time to check all of the vehicles’ lights, ensure the battery works, and fill the RV up with a new tank of gas. 

Get Your Recreational Vehicle Inspected Before You Hit the Road

If you are traveling a far distance in your RV, you want to get the vehicle inspected before you hit the road. A technician can ensure the tires are good, the brakes function correctly, the belts and hoses are in good condition, and all of the fluids in the vehicle are topped off. 

Ensure Your RV Insurance Policy Is Active and Offers the Protection You Need

Lastly, ensure your recreational vehicle insurance policy is active and offers all the protection you need for your RV. 

Ensuring your RV has the right insurance policy is vital to protecting the RV and the investment you have made in the RV. If you are in need of a new RV insurance policy in the greater Sandy, UT area, Christensen Insurance Group can help. Reach out to our company today to obtain an estimate for a new RV insurance policy.