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Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

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

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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

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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

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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?

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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?

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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

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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

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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

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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?

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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

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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.