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Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

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Does Umbrella Insurance Cover Everything?

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?

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

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?

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

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

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.


Do I need to have an auto insurance plan in Utah?

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. 

Protect Vehicle

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. 

Assessing Earthquake Risk: Determining If You Need Earthquake Insurance

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.

How To Connect With Other Classic Car Enthusiasts

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

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.

Common Misconceptions About RV Insurance in Sandy, UT

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.