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Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

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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.

Can I Use Regular Auto Insurance for My Motorcycle?

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.

Does Utah require sailboat insurance?

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.

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.