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Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

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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!

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.