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Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

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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. 

Does your motorcycle policy provide the liability coverage you need?

Christensen Insurance Group is here for the motorcycle owners in the Sandy, UT community. We understand the thrill of hitting the open road on your bike, and we are here to help you enjoy your bike for many years! If it is time to review your current policy for completeness, call us today and schedule an appointment.

Do you have the liability protection you need?

Regarding liability coverage for your motorcycle, you may discover that you don’t have adequate protection. Many motorcycle policies provide the minimum required amounts for liability insurance. Carrying such a policy can leave motorcycle owners financially responsible for expenses related to liability.

There are a few ways that liability can affect you:

  • You are involved in an accident that affects your passenger.
  • Another person is injured due to an accident that you are involved in.
  • There is property damage or loss that occurs due to an accident while you are on your bike.

In all of these situations, you may be held financially responsible. To have personal responsibility, you can protect yourself with enhanced liability coverage. This protection can cover the expenses associated with such liability and protect your assets.

Why not review your motorcycle policy today and ensure that you have the right liability coverage?

We are here for all motorcycle owners in our area!

Liability insurance is an important part of any insurance, especially motorcycle insurance policies. The folks here at Christensen Insurance Group are proud to serve the insurance needs of our friends and neighbors in the greater Sandy, UT area. If you would like to learn more about your policy options, call us today.

Common Boat Insurance Add-Ons

Christensen Insurance Group is an independent agency. For over 30 years, we have helped our clients assess their options and obtain coverage that aligns with their values. We work with multiple carriers across Sandy, UT, and other parts of the state. We take pride in helping our clients obtain the coverage they are looking for.

We look forward to assisting you.

Common Boat Insurance Add-Ons

Boating is a popular hobby in Sandy, UT. The state hosts more than 50 different lakes and rivers. Boating is a fun way to spend time with your friends and family. However, it’s essential to stay safe. Boating accidents sometimes occur with fatal consequences. Boat insurance offers a layer of protection. The policy covers any potential damage to your boat due to a collision with another watercraft or object. You are also covered if your boat is vandalized or stolen. Boat insurance also covers you if your boat suffers damages due to an accidental fire or natural disaster. Liability coverage is another significant part of your policy. This type of coverage protects you if your boat accidentally injures someone or causes property damage. You are also covered if a passenger on your boat gets injured. Boat insurance policies are flexible, so you have the option to add some coverage to your policy.

Modified Coverage

You can add modified covered if you have any luxury accessories on your boat or if you’ve made upgrades to the engine. If your boat has an enhanced motor, modified coverage protects your boat if it suffers any damage.

Fuel Spill Coverage

Fuel spill coverage protects you from potential litigation if your boat is leaking fuel into the water. You will receive urgent assistance.

Christensen Insurance Group Will Help You Protect Your Assets

Contact our office to learn more information about boat insurance.

Who needs umbrella insurance in Sandy, UT?

Most insurance policies include liability coverage for a reason—everyone needs liability coverage. In fact, you can never have enough liability and the best way to stay covered is by purchasing umbrella insurance. At Christensen Insurance Group, we advise our clients to buy umbrella insurance to pay for expensive liability claims. The key to deciding whether you need umbrella insurance is understanding what it covers. In this article, we will list 4 people in Sandy, UT who are likely to be affected the most if they don’t have umbrella insurance.


If you are a parent to young or teenage children, you can easily find yourself in trouble when they damage other people’s property or injure other people. Depending on where the injury or damage occurred, your home or auto insurance might not be adequate to cover all the costs. Umbrella insurance can help pay the remaining expenses.

Dog owners

Dog bites are usually covered by your homeowners’ insurance. However, if the hospital bills exceed the liability limits in your home insurance, you might need umbrella insurance to pay the rest of the bills. Umbrella insurance also pays for legal fees if you’re sued for pain and suffering.

People who drive often

If you spend long hours driving, you’re at a higher risk of getting involved in a road accident. Your auto insurance liability coverage might not be enough to cover all the damages and medical expenses. Umbrella insurance can help pay for damages and injuries sustained by other motorists if you caused an accident.

Business people and asset owners

Being a business or commercial property owner means dealing with many people, including partners, other companies, and tenants or customers. That means you’re likely to get sued for various reasons in your business or property. Such lawsuits can be quite expensive if you’re not prepared with adequate umbrella insurance.

Looking to buy umbrella insurance in Sandy, UT? Christensen Insurance Group can help you get a policy that matches your insurance needs, style, and budget. Contact us for professional advice and unmatched services.