HOW CAN WE HELP YOU?

Click to Call
Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

Get Directions
Contact Christensen Insurance Group

When do Sandy property owners need to have flood insurance?

Those that are in the Sandy, UT area will find that owning a home is a great long-term decision. While this is a place that you will call home, it is also the most significant asset that most people will ever own. Because of this, you will want to know that you have the right insurance, which could include flood protection. There are various situations when you need flood insurance.

When Concerned About Flood Risk

A situation in which you will need to have flood insurance is when you are concerned about the risk of floods. If your home is an area that is susceptible to flood damage, you should have flood insurance as your home insurance plan likely will offer limited flood support. With flood insurance, you will have the coverage needed to cover flood damage.

Coverage is Required

You may also need to have flood insurance in this part of Utah as it could be a requirement. If you finance your home, the mortgage lender is going to run a flood determination report. If they determine that you have a heightened risk of flood damage, the lender will require that you carry flood insurance throughout the term of the loan. 

When you are going to purchase a property in the Sandy, UT area, you will want to always have the right insurance. For many, this can mean having flood insurance. As you are evaluating your insurance options, the team with Christensen Insurance Group can help you determine if flood insurance is right for you. The team is able to do this by assessing your home and its location to see if you are at risk of flood damage. Christensen Insurance Group can then give the guidance necessary to get into your next plan. 

Do you need a comprehensive policy for your boat?

Boat owners in the Sandy, UT area rely on the Christensen Insurance Group for their insurance needs. If you are looking to upgrade your current policy because you want more comprehensive coverage, we can help. Our knowledgeable agents can help you review the policies that are available in our area and determine which one is right for your needs.

Why comprehensive boat insurance may be right for you

If you are an avid boat owner, you may wonder which level of protection and coverage is right for your needs. There are many factors to consider when selecting boat insurance. From choosing options such as at-sea towing coverage to protection when transporting your boat to the water, there’s a lot to think about!

If you store your boat in a dry dock during the off-season rather than keeping it in a marina, your insurance needs could be quite different. The same is true when it comes to transporting your boat to the water. If you are trailering your boat to and from the lake, your needs will be different than someone that keeps their boat at the marina. 

Levels of protection for damage, theft, and liability are additional considerations. All of these factors can be addressed by selecting a comprehensive policy that provides the type of protection you need. Basic boat insurance may not meet your needs if you want to be protected from the pitfalls that can occur both on and off the water. 

Ready to learn more? Call the Christensen Insurance Group today!

If you live in Sandy, UT or the surrounding area and want to learn more about your comprehensive boat insurance options, call or stop by today!

Tips for buying umbrella insurance for the first time

Umbrella insurance is not your typical auto or home insurance. It is an extra layer of liability protection that protects you against financial losses when the liability coverage in your standard policy is not enough to cover the damages and injuries.  If it’s your first time learning about umbrella insurance in Sandy, UT, you must be wondering what the buying process is and how much insurance to buy. Christensen Insurance Group will help you learn a few tips to help you get started.

Do your research

Information is power. Buying insurance also requires mental, psychological, and financial preparation. You need to determine how much insurance you need, who or what assets will be covered in your policy, and insurance costs in your area.

Ask for referrals

The insurance company you choose is as important as the policy you intend to buy. There’s a good chance that one or several of your friends and family members have umbrella insurance. They are the best people to help you find the right insurance company.

Stick to your budget

It’s always essential to stick to your budget when buying umbrella insurance. That means only sticking with insurance companies that accommodate your budget. However, this doesn’t mean you go for the cheapest insurance company in Sandy UT. Check what the company has to offer, including discounts, before settling to buy.

Understand your policy

Never sign an insurance document that you don’t understand. Ask relevant questions, particularly areas you don’t understand. Read the terms and conditions in your policy and understand everything in detail before signing the document. This helps protect you from hidden costs and any confusing information designed to make you lose more money.

Need more information about umbrella insurance? Don’t hesitate to contact Christensen Insurance Group, and we will be happy to assist you.

Do You Need Flood Insurance If You Aren’t Near a River?

If you have been told by your mortgage lender or even a local official that you need flood insurance, the idea might seem baffling to you. You aren’t even near a major river or water source, so why do you need flood insurance?

The answer in short? Life is unpredictable. Christensen Insurance Group, which serves Sandy UT,, knows this all too well.

Floods Happen Anywhere

Even if you are not near a river, a hurricane or other natural disaster could bring flooding to your area. Flooding may be linked to excessive rain, melting snow, or even construction down the street. In some cases, the failure of a dam to hold back water properly causes damage to local homes. Even areas that are not considered high-risk for floods experience them.

Floods Are Costly

Many people do not realize that very little flooding is required to damage your home and belongings. Even an inch of water can cause foundational damage to your home. Inside your home, an inch of water covering the floor can be devastating. Without flood insurance, you may not have a way to adequately cover the damage.

Your Homeowners Insurance Policy Is Not Enough

It is often not enough to get a homeowners insurance policy and expect it to cover flood damage. In fact, flood damage is often excluded from homeowners insurance policies. If this is a surprise to you, you should consider getting a new policy.

Do you want to know what kind of flood insurance is right for your home? If you live in Sandy, UT, contact Christensen Insurance Group for more information about policies that protect you.

A Brief Look at Different Types of Life Insurance

Life insurance can help ensure your loved ones are taken care of financially when you pass away. You can rest easy knowing that they won’t be caught in a financial bind if the unexpected occurs. Here at Christensen Insurance Group, we want to ensure that Sandy, UT residents are familiar with the different types of life insurance available.

Term Life Insurance

Term life insurance is temporary and can last for a decade, two decades, or three decades. Generally, you do need to undergo a medical screening. It is also the most affordable life insurance option. Throughout the term, your premiums won’t increase. However, as soon as the term life insurance expires, you’ll need to pay more in order to extend your insurance coverage.

Term life insurance is a great choice if you are looking for affordable coverage for a pre-determined amount of time. For instance, if you want to ensure you have life insurance coverage while you are paying off your home or until your kid graduates from school.

Whole Life Insurance

Whole life insurance is a policy that lasts for the rest of your life. However, if you fail to pay your premiums, the policy will cancel, and your beneficiaries will be unable to collect the death benefit. As long as your premiums stay current, the policy will pay out regardless of whether you die in a month or in 30 years.

Because whole life insurance is designed to last a lifetime, the premiums do cost more. In addition, you will need to undergo a healthcare screening. Regardless, if you want to ensure your family is well taken care of upon your passing, this is an insurance policy to consider.

Universal Life Insurance

Similar to whole life insurance, universal life insurance is permanent. However, a portion of the premium that you pay each month is placed into an investment account that allows you to accumulate wealth that can be withdrawn at a later date.

Some insurance companies offer long-term care and disability coverage, providing a benefit in the event you suffer from a disability and are unable to financially support yourself. While this option is the most expensive of the three, it is most ideal for an individual who is seeking ultimate coverage and financial security.

If you would like to discuss your options for life insurance, reach out to our dedicated team at Christensen Insurance Group who proudly serves the Sandy, UT area.

Why basic auto insurance may not be the right choice

The state of Utah like most states has a mandated amount of liability insurance that is required in order to drive in the state. This is what basic auto insurance is, it doesn’t include any of the other optional coverage that has more to do with the driver’s car than with any other vehicle or person injured in an accident. At Christensen Insurance Group in Sandy, UT, we have almost 70 years of experience helping to provide the best possible customer service to our customers. We represent over 20 carriers which means we can provide you with more choices. 

In Utah, basic auto insurance is 25/65/15. $25,000 is for the first person injured in an accident where you are at fault, with the total for injuries for a particular accident of $65,000. The amount for property damage is $15,000. Given the cost of vehicles these days, that is woefully low. 

Basic auto insurance is just that, pretty basic. Taking into account what an emergency room visit can cost, you might find yourself on the receiving end of a lot of hospital bills not to mention legal action. If you have no assets that may not hurt you much but if you have assets and a good job you could stand to have your salary garnished and your assets in danger of being lost. Having a higher level of liability coverage is the best way to protect yourself. 

With basic coverage, your vehicle is not protected at all. If you count on your vehicle every day to get to work and run errands, you should probably consider having collision and comprehensive coverage to protect it. Full glass coverage is something that almost everyone needs at some point or another. 

For all your auto insurance needs contact Christensen Insurance Group in Sandy, UT. 

Are You on a Fault Zone?

An earthquake occurs somewhere in the world every 6 minutes. If you live in the United States, a major earthquake with a value of 7 or greater (very destructive) occurs at least once per month. "Great earthquakes" occur somewhere in the world at least once per year (magnitude 8 or greater) (total destruction). 

The Reality of the Risk

In Sandy, UT you have at least a moderate risk of an earthquake doing damage to your home or property. Unless you live in California or perhaps on the border of Missouri and Tennessee, you might not be able to relate to the concerns of earthquakes occurring close to your location. But the truth is, you have a pretty fair chance of incurring damage from an earthquake at some point in your life simply from the statistics alone. 

In fact, the only states that do not have an earthquake risk rating are:

  • Upper Michigan
  • Upper parts of Minnesota
  • Upper regions of Wisconsin
  • Florida
  • Parts of Nebraska
  • North Dakota

These regions have a relatively low risk of earthquakes (though the risk is still there). All of the other parts of the United States have at least a moderate risk of an earthquake at any time. Think about that! That’s why Christensen Insurance Group is there to help you prepare for the unexpected.

Like the people that experienced the terrible flood in Colorado about a decade ago, people often don’t know the real risk until something happens. 

Are Earthquakes Predictable?

The only thing predictable about an earthquake is that many of them occur every day. In fact, hundreds occur every day all over the United States alone and if you live on the West Coast or anywhere in the West or the New Madrid fault zone around Missouri, Arkansas, or Tennessee, your chances are good that you will feel a tremor or earthquake on a fairly regular basis. 

An earthquake is a good example of a natural event that is unpredictable. Like many things in life, you can’t know when something will happen. So you have to prepare in case it happens when you least expect it.

Are you insured?

The time to purchase insurance is today before you feel the rumble of an earthquake that could bring damage and destruction to your property or belongings. 

Christensen Insurance Group of Sandy, UT can help you find the earthquake insurance you need to protect your assets. Because you never know what life will bring next. 

Do all people in Utah need classic car insurance?

Being an owner of a classic car is a dream for car lovers all over the Sandy, UT area. As you are looking to invest in a classic car, it is also important that you spend time assessing your insurance needs. A form of insurance coverage all people here will need to get is classic car insurance. This coverage should be considered a necessity for classic car owners for a few reasons.

Protect Full Value of Car

A classic car is a unique type of vehicle as it can increase in value over time. When you get a classic car insurance plan, you can ensure that the full value of your car is covered. As you are building your new plan, you are able to work with the insurance provider to come up with a fair level of coverage for your vehicle. 

Receive Appropriate Liability Insurance

No matter what type of vehicle you drive, you will need to carry insurance at all times to comply with your state’s liability insurance requirement. While the standard vehicle may be driven 10,000 miles or more per year, classic car owners drive their vehicle much less. This results in a reduced overall risk. A classic car plan will incorporate your annual mileage when determining a fair premium based on your actual risk. 

Those that are going to own a classic car in the Sandy, UT area will always need to have the right insurance for it. As you are looking for coverage here, the team with  Christensen Insurance Group can help you pick the right plan. This is a unique form of coverage that requires proper consideration. The team with Christensen Insurance Group can help you choose a plan that will properly cover your classic car. 

A Guide To Help Utah Residents Find RV Insurance Coverage

Christensen Insurance Group provides coverage to the Sandy, UT community, as well as the surrounding areas. For over 25 years, we have strived to make sure that our clients find the right policy for their individual needs. We have working relationships with over 20 companies throughout the Pacific Northwest. We are proud of our status as an independent agency.

RV Insurance Guide

If you are traveling around Sandy, UT in your RV, it’s important to have protection while making these lasting memories. Consider the benefits of RV insurance. The policy allows you to cover one of your unique assets.

You can adjust your policy based on the type of RV that you have. The most popular RVs are motor homes. Collision coverage protects you if your motor home collides with an object. Comprehensive coverage protects your assets against possible theft, an accidental fire, or inclement weather. If you have a trailer or fifth wheel on your RV, you can adjust your policy to cover possible damages and theft. Liability coverage protects you if your RV damages someone else’s property. If you have passengers on your RV, liability coverage protects you if they are injured in any way.

All of your personal items on the RV are covered if they are damaged or stolen. If you plan to renovate your RV, you’ll have to amend your policy to fully cover the new accessories against possible damage and potential theft. Roadside assistance ensures that you will receive immediate help if your RV suffers a flat tire or engine failure. If your RV is severely damaged, you can add replacement coverage so that you’ll receive another one. You can also add temporary living coverage. This ensures that you are protected while finding an alternative place to stay while your RV is repaired.

Christensen Insurance Group Will Help You Protect Your Asset  

Visit our website to learn more information about RV insurance.

Motorcycle Coverage Options

You bought a motorcycle because you want to embrace the freedom and joy it brings you but to have peace of mind while you’re out on the open roads, you need to have proper motorcycle insurance coverage. The agents at the Christensen Insurance Group in Sandy, UT can help you achieve that through an adequate motorcycle insurance policy.

Motorcycle Insurance Requirements in Utah

In Utah, all drivers must have at least a liability insurance policy to cover any injuries or damages caused in a crash that is determined to be their fault. This requirement includes the drivers of motorcycles.

Underinsured or Uninsured Coverage

This type of coverage will help you fix your bike or get treatment for any injuries you sustain if you are involved in an accident with someone who is uninsured or who does not have enough insurance coverage to help pay for all of the damages and injuries caused.

Comprehensive Motorcycle Insurance

If you took out a loan to purchase your motorcycle, you might be required by your lender to obtain comprehensive motorcycle insurance since it will cover your bike if it is stolen or damaged by a natural disaster, a fire, or vandalism. Even if you did not obtain a loan to purchase your bike, this is a great coverage option because you never know what will happen.

Collision Motorcycle Insurance

If you are riding on your motorcycle and you collide with another vehicle or an object, collision motorcycle insurance will help you pay for any damages to your bike or to the object or vehicle you collided with. For example, if you collide with a parked vehicle, this part of your motorcycle insurance policy will cover damages that occurred.

Obtain Coverage Today

Call the motorcycle insurance agents at the Christensen Insurance Group in Sandy, UT to obtain a quote or simply get your motorcycle insurance policy started today!