December 11, 2025
AgencyDo Freelancers Need Professional Liability Insurance?
Professional liability insurance, also known as errors and omissions (E&O) insurance, is designed for professionals who provide services or advice, including consultants, designers, writers and IT specialists. It may provide financial support if a client claims your work caused them financial loss due to a mistake, missed deadline or perceived negligence. Why Freelancers in Utah […]
February 24, 2026
AgencyFlood Insurance for Condos and Townhomes: What Owners Should Know
Standard homeowners or condo association policies typically do not cover flood damage. This means that if a flood occurs, you could be responsible for repairs and replacing personal belongings out of pocket. Even if your property isn’t in a high-risk flood zone, Utah’s unique climate and geography can still put your home at risk. What Does Flood Insurance Cover? Flood insurance is designed to help cover losses […]
March 24, 2026
AgencyFlood Insurance: What Is a Flood Elevation Certificate and Do You Need One?
If you’re a homeowner considering flood insurance, you may have heard about something called a flood elevation certificate. Understanding what this document is and whether you need one can make a big difference in securing appropriate coverage for your home and effectively managing your insurance costs. What Is a Flood Elevation Certificate? A flood elevation certificate is an official document prepared by […]
May 26, 2026
AgencyMobile Home Insurance: Does It Matter If You Own the Land?
Some mobile home owners assume that insurance works the same way regardless of who owns the land where the home sits. That assumption can leave costly gaps in coverage. Whether you own your lot outright or rent a space in a park, the land arrangement can affect your coverage needs and policy details. Why Does Mobile Home Insurance Matter? Mobile homes, also called manufactured homes, often require […]
June 25, 2026
AgencyHow to Insure a Mobile Home in a Leased Lot Park
Mobile homes on leased lots have unique insurance needs that standard policies may not fully cover. can help Utah residents find policies that fit their situation. Understanding Mobile Home Insurance Mobile home insurance can help cover many common incidents and losses, such as: Property coverage can help repair or replace your mobile home if it’s damaged by covered events like fire, wind, hail or theft. Coverage […]
August 26, 2026
AgencyDoes My Homeowners Insurance Cover Earthquake Damage? What Murray Residents Need to Know
residents may face risks that are not always addressed by a standard homeowners insurance policy. Earthquake-related losses, for example, may require separate coverage. can help you better understand your insurance options. Does Standard Homeowners Insurance Cover Earthquakes? Standard homeowners insurance in Utah typically does not cover earthquake damage. Most policies exclude “earth movement,” including tremors, ground shifting and volcanic eruptions, which means repair and replacement costs may fall entirely on […]