We are fortunate here in Utah to have some of the most affordable homeowners insurance in the nation. According to policygenious.com the average cost of a homeowners policy in Utah is $923.00 annually or about $77.00 per month. That’s half…
If you’re renting out someone else’s home to host a Short-Term Rental, insurance providers view this is as a business activity, which will not be covered under a traditional renter’s policy. As a result, you’ll have to look into dedicated…
Homeowners insurance was designed many years ago to cover things like fire, theft and liability but things got confusing when you started to run a business out of your home. Home-sharing and short-term rental activities are considered a business and…
Ebikes have electrified the bicycle industry, literally. Ebikes are so common these days that it’s nearly impossible to go on a bike ride on a Corner Canyon trail without seeing one. Ebikes are not only for those who want a…
By Agency Owner Lance Anderson October 2022 I have always been under the opinion that the golfer was responsible for the damage or injury caused by an errant golf ball. My father, a long time Allstate agent always used golf…
Yes! Condo Insurance is also known as an HO6 policy in the insurance industry. Insurance policies have developed over time and HO6 is the policy form used for condos and townhome associations that cover the dwelling. I.e., even if you…
Monopolistic states do not allow private companies like those represented by insurance agents to compete in the workers’ compensation market. Coverage is provided solely by the state and must be purchased directly from them. Wyoming, Washington, Ohio and North Dakota…
Most companies that independent insurance agents represent use a universal homeowners insurance form provided by the Insurance Service Offices – ISO called the HO3 policy. Within the HO3 policy there are limitations on personal property items to be aware of.…
There is a saying within the insurance industry and as insurance agents we have probably not done a very good job of relaying that message. That message is that homeowner’s insurance is not a “maintenance policy.” What exactly does that…
Blanket Insurance is an insurance term that has a few different commercial and personal lines applications. In this article we will focus on blanket coverage for commercial buildings, primarily apartments and other commercial buildings with more than one building on…