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Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

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Explaining The Benefits Of Boat Insurance

Christensen Insurance Group offers coverage to the Sandy, UT community. For over 50 years, we have helped our clients find coverage that suits their individual needs. We hope to create a family atmosphere so that our clients feel comfortable. We are an independent insurance agency.

The Benefits of Boat Insurance

During warm summers, Sandy, UT is an attractive destination for boating. If you plan to explore Lake Powell, Yuba Lake, and Willard Bay, boat insurance is an asset. Accidents can happen at any time while you are out on the water. You will also have to be aware of the potential natural disasters that can damage boats.

Boat insurance covers any damages to your boat as a result of colliding with another boat or object. You are also covered if your boat is vandalized or stolen. Liability coverage protects you if your boat damages someone else’s property or if a passenger on your boat gets injured. Liability coverage also protects you if your engine malfunctions and some fuel leaks into the water.

Boat insurance also covers all of your personal items on the boat. You are covered if your possessions are stolen or vandalized. If you plan to add special accessories to your boats, such as an anchor, sail, or some other type of equipment, you will have to amend your policy to protect those items. Consider adding emergency assistance so that you will be covered if you need towing service at some point. If your boat suffers severe damage, you can add replacement coverage so that you will be back on the water in another boat as soon as possible.

Christensen Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about boat insurance.  

How Does Umbrella Insurance Work?

When you already have your home and auto insurance policies in place, it’s helpful to get an umbrella policy to add more coverage to them. If you need umbrella insurance, call us at Christensen Insurance Group in Sandy, UT to get started. 

More Insurance Coverage

Getting umbrella insurance is a way of getting more coverage than the policies you already have. This type of insurance acts as a supplement, giving you more coverage for both your home and auto insurance policies. It’s broad protection against liability for both of these policies.

Liability Insurance

Your home and auto insurance policies both come with liability coverage. This is generally not in a high amount, and this can cause financial problems later. If the liability amount does not fully cover medical and other bills due after an accident in your home or vehicle, it would be up to you to pay them. With the steady rise in medical costs, it’s always a good idea to have liability coverage. However, raising the amount of liability coverage on your home and auto policies would be expensive. Many people choose to find another way to cover themselves against liability. 

How It Works

When there is an accident that you are found liable for, the first insurance policy pays the bills that are due up until it reaches its maximum payout amount. After that, the umbrella policy will pay the rest of the bills up to their maximum. With umbrella policies, the maximum is generally much higher than home and auto policy maximums. 

Make Your Appointment

If you need more liability coverage, call us at Christensen Insurance Group in Sandy, UT to make an appointment to talk to an agent about umbrella insurance.

3 Reasons It’s Beneficial to Have Flood Insurance in Utah

Having Flood Insurance in Utah

Standard homeowners insurance does not cover flooding in general. Most homeowners in Utah will need to get insurance through the National Flood Insurance Program (NFIP), which an insurance agency can provide help with contacts.

Christensen Insurance Group in Sandy, UT can help you with flood insurance to stay protected in the event of a disaster. We will help you get the most out of your coverage and work with you to understand the types of policies and what they cover.

3 Reasons to Get Flood Insurance in Utah

There are some good reasons to have flood insurance in Utah, even though there is not a lot of annual rainfall. They include:

  • Unexpected events such as water mains bursting and causing a home to flooding. This can be covered under flooding damage with the right coverage.
  • Heavy snowmelt that leads to flooding in a home is another reason that may be overlooked for getting insured.
  • An unexpected flooding event even in low-risk floodplain zones.

Do I Need Flood Insurance? 

Typically, this is a personal choice though it may be required depending on the lending institution to have a mortgage and other factors. If you live in a high-risk flood zone, it is common sense to have some flood insurance.

Quality Insurance in Utah

Contact us at Christensen Insurance Group in Sandy, UT to schedule an appointment to speak with one of our agents about flood insurance policies. We have years of collective experience helping homeowners get the coverage they need to stay protected during times of disaster and loss. Our agents will work with you to craft a policy that fits your particular needs.

How much life insurance is enough

Most insurance you buy will benefit you by providing the protection you need. Life insurance is for those you love. At the same time, it can have financial benefits for you when you need it. Life insurance needs change throughout your life. Keeping your insurance at the level you need takes a little effort and an insurance agent you trust. Christensen Insurance Group in Sandy, UT is just such an agency. We are independent agents, which gives us access to multiple carriers providing our customers with more choices. 

When you begin your career, you may not give much thought to life insurance. That is probably okay since you may not have anyone who depends on your income to survive except you. You are missing an opportunity to purchase life insurance at the best rates by not paying attention when you are young. Starting with a whole life or 30-year term policy in your twenties can prove to be a wise move over the long haul. 

As your life progresses and you get married and start a family, your life insurance needs change. Now you do have people who depend on you. This is a good time to sit down with your financial planner or a trusted insurance agent. Discuss the amount of life insurance that is enough to maintain your family if you are no longer there to support them. Many things go into the decision. How many children do you have and what are their ages? Does your spouse work? Will you be providing total support or supplemental? Do you have a mortgage to pay off? Do you want to make sure your kids have money for college? 

How much life insurance you need is something only you can decide. Contact Christensen Insurance Group in Sandy, UT to discuss your life insurance needs. 

Utah Auto Insurance Requirements

Utah Auto Insurance Requirements

Driving through Sandy, UT provides lovely vistas and reasonable traffic, so you get where you are going quickly and efficiently. The state of Utah requires each vehicle owner to carry auto insurance, and Christensen Insurance Group wants you to understand this and the minimum amount you must purchase. We also want you to understand your other policy options and why purchasing additional coverage is important.

In Utah, you must purchase liability coverage and personal injury protection (PIP). The liability coverage consists of bodily injury and property coverage.

The minimum insurance required by the state is bodily injury coverage per person for $25,000 and per accident in the amount of $65,000. For property damage per accident, you must carry $15,000. Your PIP to cover your own medical costs and those of any passengers provides $3,000 of medical payments coverage, which consists of per person coverage of $3,000 for medical expenses; a $3,000 death benefit paid to the deceased’s heir; per person burial cost payment of $1,500 for each person who dies as well as a payment of 85 percent of each individual’s lost income, if injured, with a maximum reward of $250 per week up to 52 weeks. A payment of up to $20 per day for services you or an injured passenger cannot perform due to accident injury.

Medical costs can far exceed this, so the insurance industry provides the option for you to increase this coverage up to $100,000. You need this because Utah is a no-fault state, so the other individual’s insurance may not pay. These state minimums vary vastly from the insurance industry’s recommendations, which are bodily injury coverage per person of $100,000 and per accident of $300,000 per accident, so you should consider increased coverage for those options as well.

You might want to add collision, comprehensive, and uninsured/underinsured motorist coverage. The latter protects you if the driver that strikes your vehicle has too little coverage or no insurance. It provides for property damage since the PIP coverage provides for your medical costs. Comprehensive protects your vehicle from hail, fire, flood, theft, wind, vandalism, and glass damage. Collision insurance pays for damages to your car caused by another object such as hitting a fence, mailbox, parked vehicle, tree, etc. It also covers your damages if a deer runs onto the road and into the path of your vehicle.

You should consider adding coverage beyond the minimum insurance, especially if you own a newer car. If your vehicle gets totaled in an accident, you will receive the appropriate amount to replace it. Weigh that against having to pay out of pocket for a new car or truck. Visit Christensen Insurance Group, serving the Sandy, UT area, to discuss auto insurance coverage and choose the best options for you.

Do I need commercial insurance for my home business

Home businesses are one of the fastest-growing types of businesses. It’s understandable since not having to rent or buy a building helps keep the cost of doing business down. If you do most of your business at your clients’ or customers’ location, then a home business is probably the right choice. But what about insurance? Does your home and auto insurance give you adequate coverage for your home business? This is a question that we can answer for you. At Christensen Insurance Group in Sandy, UT, we have been helping the community for more than 60 years, and we understand what doing business in the area is all about. 

Commercial auto insurance

If your business owns even one vehicle having a commercial auto insurance policy is the way to go. Your personal auto insurance can refuse to pay a claim when it happens while you are using your vehicle for business. 

Commercial property insurance

Your home insurance policy may offer minimal coverage for your home business, but it won’t give you the coverage you need. Commercial property insurance will protect your customer records, office equipment, and any supplies you may have stored in your home. 

Commercial liability insurance

Being sued is one of the biggest dangers that any business faces and home businesses are at risk. It could be as simple as someone being injured while visiting your home or as complex as a lawsuit about a service or product you provide. 

Different home businesses will have different commercial insurance needs. It is important to have a trusted insurance agent to turn to for the latest information on state regulations relating to home businesses. Christensen Insurance Group in Sandy, UT has the experience to make sure your business is protected. You can reach us on the phone or in-person at our office to discuss your home business insurance needs.

What are the benefits of home insurance coverage?

The Sandy, UT area is a great community full of local amenities that residents can enjoy. Along with this, it can be an excellent place for anyone to purchase a home. If you decide to call this area of Utah your home, you will want to ensure that your home is appropriately secured and protected. One of the best ways to do this is with home insurance, as it will offer you a range of different benefits. 

Ensures Full Compliance

One of the advantages of getting home insurance is that it can ensure that you comply with any obligations that you have. Most people are going to have a variety of commitments to meet that govern insurance needs. Some of these obligations can include having proper insurance set by your mortgage lender or an association rulebook if you live in a condo association. 

Provides Necessary Protection

Even if you are not obligated in any way to carry home insurance, it would still be a good idea for you to get this valuable insurance coverage due to the protection it provides. A home insurance policy is going to give you both property coverage as well as liability coverage. This could ensure that you are covered and protected in either situation.

When you are going to get a home insurance policy in the Sandy, UT area, it would be a good idea to speak with someone that you can trust and count on. For those that are in the area, Christensen Insurance Group is a great place to turn to. The team at the Christensen Insurance Group can give you a lot of support and guidance. This will help to ensure that you know what your options are and pick a great policy that meets your needs. 

Three steps to go through before purchasing an auto insurance policy

Selecting an auto insurance policy is one of the most important steps in purchasing a vehicle and driving legally in Utah. If you’re a motorist in Sandy, UT looking for the right auto insurance policy, we can help you at Christensen Insurance Group.

The following are three steps you’ll want to go through before you purchase an auto insurance policy in Utah.

Familiarize yourself with auto insurance

Before you decide on a policy, you need to understand some key terms and concepts. You need to know the difference between liability and collision coverage, for example. You also need to understand how deductibles work on an insurance policy. 

Familiarize yourself with these auto insurance terms to get started. Then, you can better decide what you want in a policy.

Get quotes on policies available to you.

Insurance providers give out policy quotes on request. This means they provide a consumer with a cost estimate of how much it would cost them to purchase insurance through that particular provider. 

In order to find the best auto insurance option, you should get quotes from numerous providers. Then, you can understand what your options are before you make a decision. 

Select the best possible option for your needs

Once you have a few quotes, you can evaluate them. Make sure you don’t simply choose the least expensive quote. Instead, you should study the details of each policy and select the policy with the best value.

It’s essential that you realize how important your policy is going to be if you get in an accident. Carefully evaluate your options and buy from a provider you know you’ll be able to depend on if you’re in an accident. 

Are you ready to get started finding auto insurance in Sandy, UT? We can help with that! Contact us at Christensen Insurance Group to explore your auto insurance options more. 

All You Need To Know About Earthquake Insurance

According to the statistics, every year, the United States experiences 200,000 earthquakes. While most of them are small, some earthquakes can produce devastating effects. However, the majority of Americans do not carry earthquake insurance to protect their houses – there is only 8% of Americans who have it. Here, in Utah, the number is about 14%. If you are thinking about getting this specific policy for your household,  here is useful information that will help you to understand earthquake insurance better. 

What Does Earthquake Insurance Cover?

Earthquake insurance will cover the costs that you sustain from losing your residence in case of an earthquake. There are three main components: your home itself (referred to as a dwelling), personal belongings, and additional living expenses. It will not cover fire that is caused by an earthquake (it will be covered by standard home insurance), damages to vehicles, fences, and pools. Damages to the land are also not covered. If there is any damage caused by a flood or hurricane as a result of the earthquake, earthquake insurance will not cover it – it is covered by flood insurance. 

How Does Filing A Claim Work?

After the earthquake occurred, a policyholder should contact the insurance company and notify them of the event and any visible damages. After filing a claim, an adjuster from the insurance company will arrive to perform an in-depth inspection. Their job is to evaluate the damages and estimate the costs of repairing or rebuilding the house. 

If you live in Salt Lake City or Sandy, UT, you do not have to worry about earthquakes too much. However, they still occur, and it usually happens when you least expect. Therefore, if you want to protect your home and have peace of mind, then earthquake insurance is what you need to get. Christensen Insurance Group serving Sandy, UT is ready to help you to find an insurance plan you need. Do not hesitate to call Christensen Insurance Group today to get more information about earthquake insurance options available.

What Does Classic Car Insurance Cover?

Residents of Sandy, UT that own classic cars need to know that a classic car insurance policy adequately covers their vehicles. The agents at Christensen Insurance Group can help explain what classic car insurance is and exactly how it works. In many cases, classic cars are not driven on the roads. They are trailered to events and shows, primarily being put on display. The classic car policy you choose will depend greatly on how the vehicle is used and where it is stored.

Replacement Costs

In most cases, classic car insurance policies can be written to cover the cost of replacing the car’s actual value if it is damaged or stolen. This does not cover the cost of one’s personal investment in a vehicle. Classic cars that are rare or that have had an extensive amount of work performed on them may carry an extremely high replacement cost. This may require a specific type of policy to ensure that the investment cost is covered.

Customized Coverage

Cars that have been customized or rebuilt to the exact factory specs can be extremely valuable. In this case, a customized policy may be in order. Customized policies are written on an individual basis to ensure that the vehicle is sufficiently covered if it is damaged or stolen. 

If you want to make sure that your classic car has the coverage it needs, your first call should be to Christensen Insurance Group. The agents at the office work to ensure that the residents in Sandy, UT have the classic car insurance coverage they need at all times. Call the office today and speak with one of our agents!