Compare options from top-rated carriers and get guidance from a local independent agency.
Your home is often your largest asset. Your insurance should be reviewed regularly as values, building costs, and life change. As an independent Utah-based agency, we compare options from more than 50 top rated carriers and help you close coverage gaps before they become expensive problems.
Homeowners policy — For people who own and live in a house or townhome.
Condominium policy — For unit owners; covers your interior finishes, personal property, and liability.
Renters policy — For tenants; covers your belongings and liability in a rented home or apartment.
Landlord policy (dwelling policy) — For homes you rent to others, including long term and short term rentals.
Dwelling (the structure) — The cost to rebuild your home after a covered loss.
Other structures — Fences, sheds, and detached garages.
Personal property — Your belongings, with options for replacement cost rather than depreciation.
Personal liability — Protection if someone is injured or you damage property, on or off your premises.
Medical payments to others — Small, no-fault medical benefits for guest injuries.
Loss of use — Extra living expenses if you cannot live at home during repairs.
Extended or guaranteed replacement cost
Water backup and sump overflow
Service line coverage
Equipment breakdown
Ordinance or law coverage
Roof replacement cost and matching
Scheduled valuables
Higher liability limits and a personal umbrella coverage
Earthquake and flood insurance
These endorsements are not always included automatically. We'll help you decide which ones matter for your home, location, and risk tolerance.
Utah homes face Wasatch Fault earthquakes, wildfire exposure near the canyons, spring runoff, and heavy snow and ice dams on the east bench. Standard homeowners policies do not include earthquake or flood; we can add separate earthquake and flood solutions and tailor your home policy for these local risks.
Make it safe. Address emergencies and prevent further damage if possible.
Document the damage. Take photos and make a simple list of what happened.
Call us first. We'll help you understand next steps and coordinate with the carrier when appropriate.
Independent and unbiased — We compare more than 50 carriers for fit and value.
Proactive service — We re-shop every renewal and tighten coverage as life changes.
Claims advocacy — One call to us starts coordinated support through resolution.
Local knowledge — Policies built for Utah’s real risks, not a national template.
Get started: Call us for a home insurance review. We'll help you understand your coverage, identify gaps, and compare competitive options from top-rated carriers.