Compare your unique insurance quotes online via our comparative quoting form.
Your home is often your largest asset. Like an annual visit with your accountant, your insurance should be reviewed regularly—because life, building costs, and risks change. We are an independent, Utah-based agency with access to more than 50 top-rated carriers. We play offense for you: we re-shop renewals, close gaps, and adjust limits as your world changes.
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 — Extra cushion if rebuilding costs run higher than expected.
Water backup and sump overflow — Damage from backed-up drains or sump failures (not the same as flood).
Service line coverage — Buried water, sewer, and power lines from the street to your home.
Equipment breakdown — Home systems and appliances from mechanical or electrical failure.
Ordinance or law (code upgrade) — Brings repairs up to current building codes.
Roof replacement cost and matching — Avoids depreciation and addresses matching of undamaged materials where available.
Scheduled valuables — Higher limits and broader causes of loss for jewelry, art, and collections.
Higher liability limits and a personal umbrella — Added protection for income and assets.
Short term rental coverage — Proper endorsements if you occasionally rent your home.
Earthquake insurance — Often a separate policy or endorsement; deductibles are typically a percentage of the dwelling limit.
Flood insurance — Available through the National Flood Insurance Program or private carriers; covers surface water from heavy rain or rapid snowmelt.
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. Take photos and make a simple list of what happened and what was damaged.
Call us first. We will walk you through next steps, connect you with the right carrier team, and help coordinate reputable local contractors and vendors.
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 coverage review. Leave with the right limits, the right endorsements, and a competitive premium from a top-rated carrier.