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Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

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Does Every Home Need Flood Insurance?

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Flood Insurance: A Crucial Consideration for Homeowners

If you’re in the Sandy, UT area and have questions about flood insurance for your home, you’ve come to the right place. Reaching out to the trusted agents at Christensen Insurance Group can provide you with the answers you need, assist you in finding the right policy, or help you update the policy you already have. Even if you believe you don’t need this type of insurance because you’re located on higher ground, it’s still worth considering this valuable coverage.

Remember, anywhere it can rain, it can flood. It’s less likely if you’re situated on a hill or live on higher ground compared to the surrounding areas. It’s also less probable if you’re far from a water source that can rise, such as a river. However, these factors don’t completely eliminate the possibility that your home could be affected by a flood event. From an unexpected heavy rainstorm to a burst dam upstream from your community, there are always risks involved.

That’s why it’s advisable to consult an insurance professional about a flood policy. You may discover that it’s a straightforward way to achieve increased peace of mind. Protecting your home is crucial whether you’re just moving into your new home or have lived there for a long time. Having the right assistance to provide and enhance that protection can make it easier for you to enjoy your home with less worry.

Contact us today at Christensen Insurance Group if you’re in the Sandy, UT area and looking for a flood insurance policy from an agent who will provide you with answers. We can offer you quotes from multiple insurers to help you choose the best policy for your needs.

Do I Have to See a Doctor Before I Can Get Life Insurance?

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The Benefits of Life Insurance and Understanding Its Prerequisites

Life insurance is a crucial financial safety net, ensuring payments to your beneficiaries in the unfortunate event of your demise. It can help your spouse, significant other, or dependents maintain their quality of life by covering bills and other significant expenses like your children’s education or mortgage. At Christensen Insurance Group, servicing Sandy, UT, we can assist you in finding the right policy tailored to your needs.

Is A Medical Examination a Pre-requisite for Life Insurance?

Some life insurance policies require a medical exam as part of the application process, but not all. Such exams often involve a simple blood draw. However, certain individuals opt for a no-medical-exam life insurance policy to avoid the associated inconvenience. Others might choose this route due to a pre-existing condition that has previously led to policy denial or out of simple fear of needles.

Purchasing a no medical exam life insurance policy typically involves higher premiums than its traditional counterpart. Additionally, such plans might provide coverage for a shorter duration or offer a lower benefit. Collaborating with an independent insurance agent can ensure you find the most appropriate policy.

How Can I Obtain Life Insurance?

To procure life insurance, contact the team at Christensen Insurance Group, servicing Sandy, UT. We strive to help you identify the best policy that suits your unique preferences and financial outlook.

If you’re interested in a life insurance policy without a medical exam, we can help you secure the most affordable policy with optimal benefits. With connections to a plethora of carriers, we can provide a wide variety of options. Call us today to begin securing an ideal life insurance policy.

The Benefits of Taking a Defensive Driving Course

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Defensive driving courses emphasize teaching safe driving techniques for everyday use and emergency situations. They even encompass strategies for stress, fatigue, and road rage. Our team at Christensen Insurance Group in Sandy, UT, would like to highlight some benefits of enrolling in these courses.

Money-Saving Opportunity

Many states and insurance companies offer premium discounts, up to 10%, to policyholders who complete a defensive driving course. The savings can be substantial, especially for families with teen drivers on their policy.

Brush Up Your Knowledge of Traffic Laws

For experienced drivers, taking a defensive driving course serves as a refresher on road traffic laws and regulations, including updates on any new laws or changes to existing ones. This renewed knowledge can bolster your confidence behind the wheel.

Mitigate Penalties and Lost Points

Accruing points on your driving record due to traffic violations can result in higher premiums and fines. Accumulating too many violations or tickets can even lead to suspension of your driving license. However, a defensive driving course can help dismiss a ticket and remove points from your license.

Learn Techniques to Keep Safe on the Road

Given the ever-present risks on the road, learning strategies to avoid potential threats is beneficial. Defensive driving courses will teach safety techniques that help you react appropriately to harmful conditions such as poor road conditions, negligent drivers, poor visibility, and more.

Become a Better, Safer Driver

Defensive driving courses offer an opportunity to become a safer and better driver overall. While you can’t control everything around you, being more aware of how to avoid and handle potential risks can significantly improve your driving. To learn more, contact Christensen Insurance Group in Sandy, UT.

Who Should Consider Earthquake Insurance?

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Earthquakes are a rare event, but they do occur. If an earthquake strikes and you don’t have an earthquake policy, you’ll need to pay for the repairs to your home yourself. At Christensen Insurance Group in Sandy, UT, we offer earthquake coverage.

What is Earthquake Insurance?

As the name suggests, earthquake insurance covers damage caused by earthquakes. The exact coverage will vary by policy. Generally, the policy will cover the dwelling or structure of the home. Other buildings on the property, including sheds and barns, are also covered. Personal belongings, including furniture and valuables, are also covered. Lastly, most policies will cover your living expenses if your home is uninhabitable until you can move back in.

Does Homeowner’s Insurance cover Earthquakes?

No, your homeowner’s, renters, or condo policy does not cover earthquakes. This is why you will need a separate policy for earthquake protection.

While your homeowner’s policy may cover fires caused by an earthquake, it will not cover damage caused solely by the earthquake.

Understanding Earthquake Risk

Earthquakes can happen in any state in the U.S. However, California, Washington, and Utah are at the highest risk of earthquakes. No matter what state you live in, an earthquake policy can provide you with peace of mind.

Why Get an Earthquake Policy?

Imagine that an earthquake damages your home. How will you fix the damages? Will you be unable to live in your home and pay for repairs?

If an earthquake would cause you serious financial issues, you should consider getting an earthquake policy.

Earthquake Coverage at Christensen Insurance Group

If you want earthquake insurance in Sandy, UT, contact us at Christensen Insurance Group. Our knowledgeable agents will discuss your earthquake risk and help you select the best policy.

Can I Drive My Classic Car in Utah?

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Driving My Classic Car in Utah – What to Know Before You Go

For classic car owners who plan to traverse the highways and byways of Sandy, UT, it’s important to comprehend the state rules that govern classic cars and understand what is necessary before taking the wheel. With assistance from Christensen Insurance Group, we can steer you in the right direction.

Rules of the Road

In Utah, a vehicle sporting a vintage vehicle tag is regarded as a collector’s item. These classic vehicles serve not as daily commuters, but as decoratives for shows, special events, parades, and similar activities. A classic car with a vintage plate must be at least 30 years old.

Should you drive a classic car and be stopped by police for any reason, Utah law necessitates that the driver provide proof that the vehicle is properly insured.

Emissions Tests

Classic vehicles from the year 1982 and older are exempt from emissions inspections. However, for models built in 1993 or later, Utah mandates either insurance specific to collector vehicles or proof that an emission inspection was conducted on the vehicle.

Insurance Coverage

Like modern vehicles, classic cars in Utah need liability insurance before they can be driven. The coverage covers injuries sustained by one person or multiple persons and property damages incurred per accident.

When securing classic car insurance, factors such as the age of the vehicle, whether it is used for leisurely drives rather than being the primary vehicle, and the overall value of the vehicle being insured need to be taken into account, but depreciation is not a factor to consider.

Contact Christensen Insurance Group

At Christensen Insurance Group, we understand what it takes to protect a classic vehicle. Reach out to our team for more details about driving in Sandy, UT.

Emergency Assistance Within RV Insurance for Travel Trailers and Motorhomes

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Emergency assistance supports travel trailers and motorhome owners during their journeys. Understanding the extent of emergency assistance coverage is vital for RV owners to ensure they have the necessary support in case of unexpected emergencies, especially around Sandy, UT.

Comprehensive Support Package

RV insurance typically includes emergency assistance coverage as part of its comprehensive protection package. This coverage offers access to services tailored to help RV owners navigate various emergencies while traveling.

Roadside Assistance

One of the primary benefits of emergency assistance coverage is roadside assistance. This service proves invaluable for RV owners facing mechanical breakdowns, tire blowouts, or other issues while on the road. Roadside assistance services may include towing, fuel delivery, tire changes, and locksmith services, ensuring owners can resume their journey promptly and safely.

Trip Interruption Reimbursement

Emergency assistance coverage often extends to provide trip interruption reimbursement. This benefit helps RV owners recoup unexpected expenses incurred if their trip is interrupted or delayed due to a covered event, such as a mechanical breakdown or accident. It covers expenses such as lodging, meals, and alternative transportation arrangements.

Emergency Medical Assistance

Some RV insurance policies include emergency medical assistance coverage. This feature offers access to medical hotlines, assistance with coordinating medical care, and help to find nearby medical facilities in case of illness or injury while traveling.

Emergency Travel Expenses Coverage

Additionally, specific RV insurance policies offer coverage for emergency travel expenses. This coverage assists with the cost of alternative transportation, lodging, and meals if RV owners find themselves stranded due to a covered event and need to make alternative travel arrangements.

Let Christensen Insurance Group Give You the Information

Christensen Insurance Group helps answer your RV insurance questions and takes care of the Sandy, UT region. Call us today.

Three Reasons to Review Your Motorcycle Insurance Every Year

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Motorcycle insurance protects you from a great deal of financial risk if a covered event occurs, making motorcycle insurance an essential part of owning a motorcycle. 

Just as it’s a good idea to review other types of insurance annually, it’s smart to review your motorcycle insurance annually. The professionals at Christensen Insurance Group, servicing Sandy, UT, can help you with this process to ensure that your motorcycle insurance will meet your needs when the time comes. 

1. Ensure your information is still accurate.

Information can change. If you’ve changed your address and forgotten to update it with your insurance company, you’ll be able to catch that when you review your motorcycle insurance. In addition, you may have changed how many miles you drive your motorcycle annually. Updating this information can help you keep your policy accurate. 

2. Ensure the level of coverage still meets your needs.

Maybe you started off with full coverage when you first got your motorcycle, but now you’re ready to switch to liability only. Reviewing your motorcycle insurance helps ensure that the level of coverage is right for you.

3. Take advantage of savings.

If you’re reviewing your motorcycle insurance policy with your insurance agent, you can ask them to shop around for a policy that might save money. You can also take advantage of savings if you decide to reduce your amount of coverage. These opportunities are good to take advantage of.

At Christensen Insurance Group, servicing Sandy, UT, we’re here to help you get the best insurance for your needs. Call today to learn more.

Charting Your Course to Security: Five Boat Insurance Solutions for Sandy Utah Boaters

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Living in the picturesque town of Sandy, UT, allows residents many opportunities for outdoor adventures. Learn how to protect your boating adventures from Christensen Insurance Group with five boat insurance solutions. 

Boat Insurance Solutions for Boaters in Sandy, UT

1. Liability Coverage for Boaters

Boating accidents on the water can happen at any time. They can result in thousands of dollars in out-of-pocket expenses for repairs or replacement of vessels and boating accessories. Liability coverage helps protect boat owners from financial damage in the event of at-fault boating collisions. 

2. Comprehensive Boat Insurance 

Invest in a comprehensive boat insurance policy when you’re seeking to protect your floating investment from non-collision-related boating incidents like theft, vandalism, and natural disasters on the water. 

3. Uninsured Boat Insurance Coverage

Even if you are a responsible boat owner with adequate coverage to protect your vessels and watercraft from theft and damage from boating accidents, not all boaters have the same level of comprehensive protection. Talk to a trusted local insurance agent about uninsured or underinsured boat insurance and learn about your best coverage options. 

4. Emergency Towing for Boats

Long-time boaters know that boat breakdowns or unexplained mechanical failures can leave you and your party stranded on the water indefinitely without a backup plan in place. Smart local boaters opt for emergency towing and assistance add-ons for boat insurance to protect themselves against the unexpected. 

5. Medical Payments Coverage

Devastating boating accidents can result in physical injuries to you, your passengers, and other boaters. Contact a licensed insurance agent at Christensen Insurance Group in Sandy UT, to learn about medical payment coverage options for local boaters and get a free quote today! 

Does Umbrella Insurance Cover Everything?

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Umbrella insurance is a unique type of insurance coverage that varies significantly from standard homeowner’s, auto, or renter’s insurance policies. Its distinctive nature sparks numerous queries among Sandy, Utah residents, and all across the nation. A frequently asked question revolves around what precisely umbrella insurance covers.

What Does Umbrella Insurance Cover

Contrary to the assumption of many, umbrella insurance doesn’t provide coverage for everything. The term "everything" is incredibly broad, and the operation of umbrella insurance is quite different from that of other insurance forms.

Umbrella insurance qualifies as excess liability insurance. It springs into action only after you’ve filed a claim with your primary insurance, and outstanding liability remains after your insurance payout. Therefore, umbrella insurance covers any claims beyond what your primary insurance can accommodate.

For instance, in the event of an at-fault car accident resulting in the injury of another driver, your auto insurance coverage will cater to the individual’s medical bills. But auto insurance has its limits. If the injured driver’s medical bills or damages exceed your auto insurance coverage, this is where umbrella insurance takes over to cover the remaining amount.

Although umbrella insurance offers significant benefits to many people, it isn’t an all-covering solution. Auxiliary in nature, umbrella insurance kicks in to settle outstanding bills once you’ve exhausted your primary insurance. Should you be a Sandy, UT resident looking for a new insurance provider, we at Christensen Insurance Group always welcome new customers. We believe in providing the best coverage at affordable rates. Contact us today for a quote, and our knowledgeable insurance agents will assist you immediately.

Does Umbrella Insurance Cover Everything?

No, umbrella insurance doesn’t cover everything. As previously mentioned, this type of insurance serves as a supplemental or excess liability coverage that only comes into play to settle liabilities remaining after the claim payout by your primary insurance.

This fundamental knowledge of umbrella insurance aids in making informed decisions concerning your insurance needs. If you want to delve further into umbrella insurance or need other insurance services in Sandy, UT, the Christensen Insurance Group team will gladly assist. Contact us today for a tailor-made insurance experience.

What kinds of circumstances does flood insurance cover in Sandy, UT?

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Homeowners insurance is vital to protect your home and belongings in case of a loss. Unfortunately, regular homeowners insurance does not protect you from several kinds of flooding-related circumstances. If you want to ensure that your Sandy, UT home has the protection it needs, Christensen Insurance Group can answer your questions about homeowners and flood insurance.

What Does Flood Insurance Cover?

Water can cause truly devastating damage. Flood insurance protects you from any losses directly caused by flooding, including:

  • your house
  • any critical systems, such as electrical and plumbing
  • large and small appliances, including your refrigerator, washer and dryer, toaster, and microwave
  • your furniture
  • curtains and blinds
  • carpeting
  • cabinets and shelving
  • clothing
  • TVs and other electronics
  • other personal belongings in your home

What Is Considered Flooding for Use of Flood Insurance?

Flooding is generally defined as when land that is usually dry has an excess of water. That flooding must affect multiple properties or at least 2 acres. Here are some of the circumstances that should be covered by flood insurance:

  • When flooding is caused by an overflow of an existing body of water, such as a lake or ocean.
  • If the flooding is caused by an excess of water that builds up or because of surface water runoff, such as during a flash flood.
  • Mudslides or mudflows caused by flooding.
  • When land becomes destabilized or even collapses because waves erode the land.

So rain by itself is not considered flooding, but storms can cause direct damage to your home that should be covered under homeowners insurance. 

It can be confusing, but if you have any questions about Sandy, UT flood insurance, please call Christensen Insurance Group today!