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Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

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How much life insurance is enough

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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

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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

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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.

What are the benefits of home insurance coverage?

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The Sandy, UT area is a great community full of local amenities that residents can enjoy. Along with this, it can be an excellent place for anyone to purchase a home. If you decide to call this area of Utah your home, you will want to ensure that your home is appropriately secured and protected. One of the best ways to do this is with home insurance, as it will offer you a range of different benefits. 

Ensures Full Compliance

One of the advantages of getting home insurance is that it can ensure that you comply with any obligations that you have. Most people are going to have a variety of commitments to meet that govern insurance needs. Some of these obligations can include having proper insurance set by your mortgage lender or an association rulebook if you live in a condo association. 

Provides Necessary Protection

Even if you are not obligated in any way to carry home insurance, it would still be a good idea for you to get this valuable insurance coverage due to the protection it provides. A home insurance policy is going to give you both property coverage as well as liability coverage. This could ensure that you are covered and protected in either situation.

When you are going to get a home insurance policy in the Sandy, UT area, it would be a good idea to speak with someone that you can trust and count on. For those that are in the area, Christensen Insurance Group is a great place to turn to. The team at the Christensen Insurance Group can give you a lot of support and guidance. This will help to ensure that you know what your options are and pick a great policy that meets your needs. 

Three steps to go through before purchasing an auto insurance policy

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Selecting an auto insurance policy is one of the most important steps in purchasing a vehicle and driving legally in Utah. If you’re a motorist in Sandy, UT looking for the right auto insurance policy, we can help you at Christensen Insurance Group.

The following are three steps you’ll want to go through before you purchase an auto insurance policy in Utah.

Familiarize yourself with auto insurance

Before you decide on a policy, you need to understand some key terms and concepts. You need to know the difference between liability and collision coverage, for example. You also need to understand how deductibles work on an insurance policy. 

Familiarize yourself with these auto insurance terms to get started. Then, you can better decide what you want in a policy.

Get quotes on policies available to you.

Insurance providers give out policy quotes on request. This means they provide a consumer with a cost estimate of how much it would cost them to purchase insurance through that particular provider. 

In order to find the best auto insurance option, you should get quotes from numerous providers. Then, you can understand what your options are before you make a decision. 

Select the best possible option for your needs

Once you have a few quotes, you can evaluate them. Make sure you don’t simply choose the least expensive quote. Instead, you should study the details of each policy and select the policy with the best value.

It’s essential that you realize how important your policy is going to be if you get in an accident. Carefully evaluate your options and buy from a provider you know you’ll be able to depend on if you’re in an accident. 

Are you ready to get started finding auto insurance in Sandy, UT? We can help with that! Contact us at Christensen Insurance Group to explore your auto insurance options more. 

All You Need To Know About Earthquake Insurance

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According to the statistics, every year, the United States experiences 200,000 earthquakes. While most of them are small, some earthquakes can produce devastating effects. However, the majority of Americans do not carry earthquake insurance to protect their houses – there is only 8% of Americans who have it. Here, in Utah, the number is about 14%. If you are thinking about getting this specific policy for your household,  here is useful information that will help you to understand earthquake insurance better. 

What Does Earthquake Insurance Cover?

Earthquake insurance will cover the costs that you sustain from losing your residence in case of an earthquake. There are three main components: your home itself (referred to as a dwelling), personal belongings, and additional living expenses. It will not cover fire that is caused by an earthquake (it will be covered by standard home insurance), damages to vehicles, fences, and pools. Damages to the land are also not covered. If there is any damage caused by a flood or hurricane as a result of the earthquake, earthquake insurance will not cover it – it is covered by flood insurance. 

How Does Filing A Claim Work?

After the earthquake occurred, a policyholder should contact the insurance company and notify them of the event and any visible damages. After filing a claim, an adjuster from the insurance company will arrive to perform an in-depth inspection. Their job is to evaluate the damages and estimate the costs of repairing or rebuilding the house. 

If you live in Salt Lake City or Sandy, UT, you do not have to worry about earthquakes too much. However, they still occur, and it usually happens when you least expect. Therefore, if you want to protect your home and have peace of mind, then earthquake insurance is what you need to get. Christensen Insurance Group serving Sandy, UT is ready to help you to find an insurance plan you need. Do not hesitate to call Christensen Insurance Group today to get more information about earthquake insurance options available.

What Does Classic Car Insurance Cover?

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Residents of Sandy, UT that own classic cars need to know that a classic car insurance policy adequately covers their vehicles. The agents at Christensen Insurance Group can help explain what classic car insurance is and exactly how it works. In many cases, classic cars are not driven on the roads. They are trailered to events and shows, primarily being put on display. The classic car policy you choose will depend greatly on how the vehicle is used and where it is stored.

Replacement Costs

In most cases, classic car insurance policies can be written to cover the cost of replacing the car’s actual value if it is damaged or stolen. This does not cover the cost of one’s personal investment in a vehicle. Classic cars that are rare or that have had an extensive amount of work performed on them may carry an extremely high replacement cost. This may require a specific type of policy to ensure that the investment cost is covered.

Customized Coverage

Cars that have been customized or rebuilt to the exact factory specs can be extremely valuable. In this case, a customized policy may be in order. Customized policies are written on an individual basis to ensure that the vehicle is sufficiently covered if it is damaged or stolen. 

If you want to make sure that your classic car has the coverage it needs, your first call should be to Christensen Insurance Group. The agents at the office work to ensure that the residents in Sandy, UT have the classic car insurance coverage they need at all times. Call the office today and speak with one of our agents!

Common RV accidents and how to avoid them

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As RVs become more and more popular in Sandy, UT, RV accidents are increasing by the day. It is an excellent way of spending holidays, especially during the summer. However, many new users find themselves making small mistakes that end up causing accidents. At Christensen Insurance Group, we value your safety and therefore recommend buying RV insurance. Whether you are visiting distant relatives or touring the state, here are some of the common RV accidents and how to avoid them.

Rollover

RVs are more prone to rolling over than other types of vehicles due to their higher center of gravity. High winds also contribute to an RV rolling over, especially if it is lightweight. If your RV is unevenly loaded, it can also rollover. To counter this, try and keep your speed down, park where there are more trees to keep the winds in check and make sure that your RV is correctly loaded before hitting the roads.

Collison

Collisions happen everywhere, and it is no different with RVs. Your RV can collide with a tree, a stone, a guard rail, or another car. Fifth wheel vehicles can quickly get out of control and cause major accidents. To help avoid collisions, be sure to keep your speed limit low or even lower when you experience extra dexterity on the roads. Avoid driving while tired or sleepy, and keep a safe distance when driving on the highway.

Tire blowouts

Blowing a tire can be a dramatic and frustrating event, especially when it happens with an RV. Losing a tire in the middle of a highway is a nightmare by itself as it is likely to cause chaos for all the other cars on the highway. To avoid this unfortunate incident, regularly check your tires for wear and tear and replace as required.

An RV is a great road companion. Knowing how to stay safe and keep everything in check is the best way to enjoy RV services. For more information about RV insurance, speak to any Christensen Insurance Group insurance experts or visit us at our Sandy, UT offices.

Motorcycle Season is Almost Here – Do You Have Adequate Insurance Protection?

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As you get your bike ready for the motorcycle season, don’t forget to include a review of your insurance policy as part of your preparations. Christensen Insurance Group is here to help you learn more about the policy options that are available to bike owners in the greater Sandy UT area. 

Do You Have Adequate Motorcycle Insurance Protection?

Many people in Utah choose a basic motorcycle policy that just meets the state’s insurance requirements. Unfortunately, while these policies do give you some amount of protection, they are often inadequate if your bike is stolen, you are involved in an accident that causes serious injuries, or you are involved in an incident with an uninsured driver.

No one wants to go out for a nice, relaxing ride only to find themselves in a bad financial situation. When you have a comprehensive motorcycle policy, you can rest assured that you will have the protection you need. Theft and damage to your bike aren’t life-threatening situations, but they can be serious financial ones. There’s no reason to have to come out of pocket for such instances, or even worse, have to be financially liable after a serious accident. Don’t let either situation become your reality – opt for a policy that provides the coverage that’s right for your needs!

 

Give Christensen Insurance Group a call before you head out on the road. We are here to serve the greater Sandy UT community and provide the insurance help you need. Don’t find out after it’s too late that your basic bike policy does not provide the protection you need. We are here to answer your questions and help you navigate the process of choosing the right motorcycle insurance policy for your needs.

When does someone need to have boat insurance?

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If you are in the Sandy, UT area, there are many great days during the summer months that make it fun to own a boat. If you do have a boat, you need to make sure that you get it properly insured. There are several situations when someone will want to have insurance for their boat. 

When They Want Liability Protection

The first situation when someone will need to have boat insurance is when they want to have liability protection. If you are operating a boat, there is always a chance that there could be an accident that you cause. When this occurs, you will have to pay restitution. If you have boat insurance, you will have coverage to help offset and protect against this risk with liability insurance. This is one of the most important form of insurance you can hold on your vessel.

When they Want Protection for Asset

Another reason why you need to have boat insurance is that it will provide you with protection for your asset. Buying and maintaining a boat comes with a lot of expenses and investments. The last thing that you will want to have happened is to lose this investment due to damage or theft. Fortunately, you can get a boat insurance policy that will give you coverage to protect this asset.

There are many reasons to get boat insurance, and picking the right policy can be confusing. When you are in the Sandy, UT area, and are looking for boat insurance, you should call the team at the Christensen Insurance Group. When you speak with the team at the Christensen Insurance Group, you can be assured that our policies will cover your boat for any situation. We are happy to help you review your boating needs and help you find a policy that provides the right protection.