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Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

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Can I Drive My Classic Car in Utah?

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Driving My Classic Car in Utah – What to Know Before You Go

For classic car owners who plan to traverse the highways and byways of Sandy, UT, it’s important to comprehend the state rules that govern classic cars and understand what is necessary before taking the wheel. With assistance from Christensen Insurance Group, we can steer you in the right direction.

Rules of the Road

In Utah, a vehicle sporting a vintage vehicle tag is regarded as a collector’s item. These classic vehicles serve not as daily commuters, but as decoratives for shows, special events, parades, and similar activities. A classic car with a vintage plate must be at least 30 years old.

Should you drive a classic car and be stopped by police for any reason, Utah law necessitates that the driver provide proof that the vehicle is properly insured.

Emissions Tests

Classic vehicles from the year 1982 and older are exempt from emissions inspections. However, for models built in 1993 or later, Utah mandates either insurance specific to collector vehicles or proof that an emission inspection was conducted on the vehicle.

Insurance Coverage

Like modern vehicles, classic cars in Utah need liability insurance before they can be driven. The coverage covers injuries sustained by one person or multiple persons and property damages incurred per accident.

When securing classic car insurance, factors such as the age of the vehicle, whether it is used for leisurely drives rather than being the primary vehicle, and the overall value of the vehicle being insured need to be taken into account, but depreciation is not a factor to consider.

Contact Christensen Insurance Group

At Christensen Insurance Group, we understand what it takes to protect a classic vehicle. Reach out to our team for more details about driving in Sandy, UT.

Emergency Assistance Within RV Insurance for Travel Trailers and Motorhomes

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Emergency assistance supports travel trailers and motorhome owners during their journeys. Understanding the extent of emergency assistance coverage is vital for RV owners to ensure they have the necessary support in case of unexpected emergencies, especially around Sandy, UT.

Comprehensive Support Package

RV insurance typically includes emergency assistance coverage as part of its comprehensive protection package. This coverage offers access to services tailored to help RV owners navigate various emergencies while traveling.

Roadside Assistance

One of the primary benefits of emergency assistance coverage is roadside assistance. This service proves invaluable for RV owners facing mechanical breakdowns, tire blowouts, or other issues while on the road. Roadside assistance services may include towing, fuel delivery, tire changes, and locksmith services, ensuring owners can resume their journey promptly and safely.

Trip Interruption Reimbursement

Emergency assistance coverage often extends to provide trip interruption reimbursement. This benefit helps RV owners recoup unexpected expenses incurred if their trip is interrupted or delayed due to a covered event, such as a mechanical breakdown or accident. It covers expenses such as lodging, meals, and alternative transportation arrangements.

Emergency Medical Assistance

Some RV insurance policies include emergency medical assistance coverage. This feature offers access to medical hotlines, assistance with coordinating medical care, and help to find nearby medical facilities in case of illness or injury while traveling.

Emergency Travel Expenses Coverage

Additionally, specific RV insurance policies offer coverage for emergency travel expenses. This coverage assists with the cost of alternative transportation, lodging, and meals if RV owners find themselves stranded due to a covered event and need to make alternative travel arrangements.

Let Christensen Insurance Group Give You the Information

Christensen Insurance Group helps answer your RV insurance questions and takes care of the Sandy, UT region. Call us today.

Three Reasons to Review Your Motorcycle Insurance Every Year

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Motorcycle insurance protects you from a great deal of financial risk if a covered event occurs, making motorcycle insurance an essential part of owning a motorcycle. 

Just as it’s a good idea to review other types of insurance annually, it’s smart to review your motorcycle insurance annually. The professionals at Christensen Insurance Group, servicing Sandy, UT, can help you with this process to ensure that your motorcycle insurance will meet your needs when the time comes. 

1. Ensure your information is still accurate.

Information can change. If you’ve changed your address and forgotten to update it with your insurance company, you’ll be able to catch that when you review your motorcycle insurance. In addition, you may have changed how many miles you drive your motorcycle annually. Updating this information can help you keep your policy accurate. 

2. Ensure the level of coverage still meets your needs.

Maybe you started off with full coverage when you first got your motorcycle, but now you’re ready to switch to liability only. Reviewing your motorcycle insurance helps ensure that the level of coverage is right for you.

3. Take advantage of savings.

If you’re reviewing your motorcycle insurance policy with your insurance agent, you can ask them to shop around for a policy that might save money. You can also take advantage of savings if you decide to reduce your amount of coverage. These opportunities are good to take advantage of.

At Christensen Insurance Group, servicing Sandy, UT, we’re here to help you get the best insurance for your needs. Call today to learn more.

Charting Your Course to Security: Five Boat Insurance Solutions for Sandy Utah Boaters

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Living in the picturesque town of Sandy, UT, allows residents many opportunities for outdoor adventures. Learn how to protect your boating adventures from Christensen Insurance Group with five boat insurance solutions. 

Boat Insurance Solutions for Boaters in Sandy, UT

1. Liability Coverage for Boaters

Boating accidents on the water can happen at any time. They can result in thousands of dollars in out-of-pocket expenses for repairs or replacement of vessels and boating accessories. Liability coverage helps protect boat owners from financial damage in the event of at-fault boating collisions. 

2. Comprehensive Boat Insurance 

Invest in a comprehensive boat insurance policy when you’re seeking to protect your floating investment from non-collision-related boating incidents like theft, vandalism, and natural disasters on the water. 

3. Uninsured Boat Insurance Coverage

Even if you are a responsible boat owner with adequate coverage to protect your vessels and watercraft from theft and damage from boating accidents, not all boaters have the same level of comprehensive protection. Talk to a trusted local insurance agent about uninsured or underinsured boat insurance and learn about your best coverage options. 

4. Emergency Towing for Boats

Long-time boaters know that boat breakdowns or unexplained mechanical failures can leave you and your party stranded on the water indefinitely without a backup plan in place. Smart local boaters opt for emergency towing and assistance add-ons for boat insurance to protect themselves against the unexpected. 

5. Medical Payments Coverage

Devastating boating accidents can result in physical injuries to you, your passengers, and other boaters. Contact a licensed insurance agent at Christensen Insurance Group in Sandy UT, to learn about medical payment coverage options for local boaters and get a free quote today! 

Does Umbrella Insurance Cover Everything?

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Umbrella insurance is a unique type of insurance coverage that varies significantly from standard homeowner’s, auto, or renter’s insurance policies. Its distinctive nature sparks numerous queries among Sandy, Utah residents, and all across the nation. A frequently asked question revolves around what precisely umbrella insurance covers.

What Does Umbrella Insurance Cover

Contrary to the assumption of many, umbrella insurance doesn’t provide coverage for everything. The term "everything" is incredibly broad, and the operation of umbrella insurance is quite different from that of other insurance forms.

Umbrella insurance qualifies as excess liability insurance. It springs into action only after you’ve filed a claim with your primary insurance, and outstanding liability remains after your insurance payout. Therefore, umbrella insurance covers any claims beyond what your primary insurance can accommodate.

For instance, in the event of an at-fault car accident resulting in the injury of another driver, your auto insurance coverage will cater to the individual’s medical bills. But auto insurance has its limits. If the injured driver’s medical bills or damages exceed your auto insurance coverage, this is where umbrella insurance takes over to cover the remaining amount.

Although umbrella insurance offers significant benefits to many people, it isn’t an all-covering solution. Auxiliary in nature, umbrella insurance kicks in to settle outstanding bills once you’ve exhausted your primary insurance. Should you be a Sandy, UT resident looking for a new insurance provider, we at Christensen Insurance Group always welcome new customers. We believe in providing the best coverage at affordable rates. Contact us today for a quote, and our knowledgeable insurance agents will assist you immediately.

Does Umbrella Insurance Cover Everything?

No, umbrella insurance doesn’t cover everything. As previously mentioned, this type of insurance serves as a supplemental or excess liability coverage that only comes into play to settle liabilities remaining after the claim payout by your primary insurance.

This fundamental knowledge of umbrella insurance aids in making informed decisions concerning your insurance needs. If you want to delve further into umbrella insurance or need other insurance services in Sandy, UT, the Christensen Insurance Group team will gladly assist. Contact us today for a tailor-made insurance experience.

What kinds of circumstances does flood insurance cover in Sandy, UT?

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Homeowners insurance is vital to protect your home and belongings in case of a loss. Unfortunately, regular homeowners insurance does not protect you from several kinds of flooding-related circumstances. If you want to ensure that your Sandy, UT home has the protection it needs, Christensen Insurance Group can answer your questions about homeowners and flood insurance.

What Does Flood Insurance Cover?

Water can cause truly devastating damage. Flood insurance protects you from any losses directly caused by flooding, including:

  • your house
  • any critical systems, such as electrical and plumbing
  • large and small appliances, including your refrigerator, washer and dryer, toaster, and microwave
  • your furniture
  • curtains and blinds
  • carpeting
  • cabinets and shelving
  • clothing
  • TVs and other electronics
  • other personal belongings in your home

What Is Considered Flooding for Use of Flood Insurance?

Flooding is generally defined as when land that is usually dry has an excess of water. That flooding must affect multiple properties or at least 2 acres. Here are some of the circumstances that should be covered by flood insurance:

  • When flooding is caused by an overflow of an existing body of water, such as a lake or ocean.
  • If the flooding is caused by an excess of water that builds up or because of surface water runoff, such as during a flash flood.
  • Mudslides or mudflows caused by flooding.
  • When land becomes destabilized or even collapses because waves erode the land.

So rain by itself is not considered flooding, but storms can cause direct damage to your home that should be covered under homeowners insurance. 

It can be confusing, but if you have any questions about Sandy, UT flood insurance, please call Christensen Insurance Group today!

Understanding Comprehensive Boat Insurance

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Embarking on aquatic adventures brings unparalleled joy, but safeguarding your vessel against unforeseen risks is every boat owner’s responsibility. The Christensen Insurance Group, serving Sandy, UT, and surrounding areas, can provide coverage to ensure you and your boat are safe throughout your journey. 

When selecting the right boat insurance plan, it is important to understand your personal needs and the level of coverage that best suits you. Comprehensive boat insurance offers a wide range of protection, so it’s essential to know what type of coverage is included in your policy and to ensure that all risk aspects are covered.

Comprehensive boat insurance extends a protective shield beyond the ordinary, safeguarding your boat from various hazards. This coverage is your compass through unpredictable waters, from collisions and theft to third-party damages and personal injury liabilities.

Furthermore, comprehensive boat insurance may offer coverage for non-collision-related damages. This includes damage caused by storms, floods, and other natural disasters. It can also cover the cost of repairs due to fire or explosion and medical expenses incurred if someone is injured while on board your vessel. In addition, comprehensive boat insurance may offer coverage for loss of use if repairs cannot be completed.

Boat insurance isn’t just a necessity—it’s a safety net that allows you to confidently embrace your maritime adventures for those navigating the intricate waters of boat insurance in Sandy, UT, and neighboring areas. Securing reliable coverage is crucial. Consider Christensen Insurance Group as your trusted ally in safeguarding your vessel. Tailored comprehensive boat insurance solutions are designed to offer you peace of mind as you navigate the vast expanse of the maritime world.

What Exactly is Umbrella Insurance?

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We’ve all heard of the basic types of insurance coverage, like home, life, renter’s, and homeowners, but for some people, umbrella insurance may be a new type. Even if you’ve never heard of umbrella insurance before, it’s a popular type of insurance that has been around for a while. What exactly is umbrella insurance? Here is an overview so you can better understand this type of insurance. 

Supplemental Insurance

Umbrella insurance, also known as excess liability insurance, is not a standalone type of coverage. This type of insurance is purchased as a supplement to homeowners, auto, or boating insurance. If a person covered under umbrella insurance files a claim with their auto, homeowners, or boating insurance, and after paying out the maximum, there is still a remaining balance when it comes to damages, umbrella insurance will kick in and pay the difference. 

Insurance for the Wealthy?

Umbrella insurance policies are usually purchased by individuals in higher income brackets. This is because if a wealthier person is sued, they’re worth significantly more than the average person. The average person is worth less, so their primary insurance will typically cover any liability if they’re sued. However, wealthier individuals might be sued for hundreds of thousands of dollars, well more than the average person. This is why umbrella insurance is so important for some people. 

Suppose you’re in need of a new insurance provider and you’re a Sandy, UT resident. In that case, we at Christensen Insurance Group accept new customers and cover the Sandy, UT area. Call us today, and one of our friendly and professional agents will be more than happy to provide you with a quote and answer any questions you may have. At Christensen Insurance Group, we pride ourselves on providing excellent customer service and coverage. 

Why You Need Flood Insurance As a Renter

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If you’re a renter in Sandy, UT, renters flood insurance may be a wise, cost-effective investment. Most standard insurance policies, for both homeowners and renters, don’t cover flood damage. While your landlord may have flood insurance that covers flood damage to the building itself, the valuable possessions inside your home will be left unprotected without renters’ flood insurance. Just an inch of water inside a home can cause over $25,000 in destruction, a cost that is unimaginable to many renters. Flood insurance is a low-cost option that gives renters peace of mind that their personal property is covered in the unexpected flood event. Our insurance agents at Christensen Insurance Group can help you protect the belongings you care about most as a renter.

Contents-Only Insurance Coverage

Renters’ flood insurance is also known as contents-only insurance since it’s an affordable policy that covers explicitly the personal contents within your rental. This includes items like furniture, clothing, electronics, and home decor. Policies are offered through the National Flood Insurance Program (NFIP), regardless of whether the rental is within or outside a high-risk flood location. Flood insurance will help you recover faster and with far less financial burden. 

Next Steps for Renters

If you’re a renter considering contents-only flood insurance, ask your landlord if they have flood coverage for your building. Then, take stock of the possessions in your home. If your rental experienced flooding, how much would your personal items cost to replace? Finally, contact your insurance agent to determine the best policy for your needs. 

Christensen Insurance Group is proud to serve the Sandy, UT community. If you’d like to learn more about your options for renters flood insurance, please give us a call or visit us today. 

The Two Types of Life Insurance

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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.