Homeowners in Kearns Utah love the community; it’s a melting pot of wonderful people, cultures and a mix of new and older neighborhoods.
Here are the most important coverages we make sure every homeowners policy in Kearns includes:
Service Line Insurance: Service Line Insurance pays to repair or replace the utility lines from the street to your home, primarily the water and sewer lines. This coverage can inexpensively be added to most homeowners insurance policy or, you can add the coverage to your Dominion Energy bill. Here are a few links that will help explain this valuable coverage:
Service Line Coverage | Anderson Insurance Group
Ordinance & Law: Ordinance & Law pays to rebuild the undamaged part of your home to code. The older your home, the more important it is to have this coverage. Most policies include 10% of the dwelling value for Ordinance & Law which for an average home in Kearns works out to be about $40,000. Be sure your company (and agent) has included this inexpensive and yet very important coverage.
Water & Sewer Backup: Water & Sewer Backup can be a very misunderstood coverage. The limit for most Kearns homes is the basic $5000.00 which only applies if – the backup occurs outside of the footprint of the home. If the backup occurs within the footprint of the home, there is no coverage limit. Often when the backup occurs off premises, the city or jurisdiction where the backup occurred is the responsible party and will pay for the damage. Every home in Kearns should have at least $5000.00 in coverage and it’s not that expensive to increase that limit to $10,000.
Water & Sewer Backup Coverage, Do You Need It? | Anderson Insurance Group
Extended Dwelling Coverage: Extended Dwelling or Extended Dwelling Replacement will add an additional 25% or 50% on top of the dwelling amount on your declarations page, as long as the policy has been written correctly. In addition to making sure you have the highest dwelling replacement coverage available, make sure your dwelling coverage is sufficient. It’s not uncommon for a home to cost $200.00 per square foot to rebuild and unfortunately, its too common to find an agent who will insure a home for less than that. Work with an Anderson Insurance Group expert to make sure, your home is sufficiently insured and that you have as much Extended Dwelling Coverage as your policy will allow.
Optional Homeowner’s Coverage:
EARTHQUAKE: Generally, Kearns is not located in a high earthquake damage zone. While your home will probably suffer some damage in the event of an earthquake, experts predict the damage will be less than 10% which is the average Utah earthquake insurance deductible. Here is a link that will include the earthquake maps and costs to add earthquake to your Kearns, Utah home: Earthquake Insurance in Utah | Anderson Insurance Group
FLOOD: There are no FEMA flood zones in Kearns, Utah. If you are concerned about damage from a flood, ask us about Inland Flood insurance, a new way to protect your home from flooding. Inland Flood Insurance In Utah: A New Way to Protect Your Home There is also a lot you can do to prevent basement flooding. How To Prevent Basement Flooding | Anderson Insurance Group
ADDITIONAL JEWELRY LIMITS: All homeowners policies will have a sub-limit for jewelry, normally about $2500.00. If you have jewelry valued over that amount, ask us how to best protect yourselves by adding blanket jewelry coverage or scheduling higher value jewelry items.
TOOLS AND BUSINESS PROPERTY: Kearns is a working neighborhood and many contractors may have valuable work tools, equipment or property at their homes or in their vans and trucks. If you have extra valuable work tools or equipment, ask an Anderson Insurance Group agent how to best protect them.
Homeowners Insurance is a more complicated product and something we all purchase to protect our most valuable asset, our homes. Don’t trust your home insurance to just any agent to company, call a knowledgeable Anderson Insurance Group agent today for the best insurance coverage on your Kearns, Utah home.
Call Anderson Insurance Group at 801-262-1551 or request a quote online to get started.
Anderson Insurance Group provides homeowners insurance in the Kearns, Utah neighborhoods of: Hoffman Heights, West Hills, Oquirrh Park & Sun Ridge.