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Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

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What Is Your Liability Risk When You Let someone Else Drive Your Boat?

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Owning a boat is both a great pleasure and a big responsibility. Whether you should let other people drive your boat is a matter that needs careful consideration. Your insurance covers liability for someone who has permission to drive your boat. At Christensen Insurance Group in Sandy, UT, we help our clients acquire boat insurance to cover unexpected events that may occur.

Driving A Boat Is Different Than Driving A Car

A boat on the water has a different feel than driving a car on the road. The movement of the water creates instability while driving the boat. Turning is more gradual. Stopping requires some forethought and calculation. In addition, the channels are not well marked, and directional information is very limited. All these factors can make driving a boat more hazardous.

What To Consider Before Allowing Another Person To Drive Your Boat

Part of your responsibility as a boat owner is to determine whether someone else is able to safely handle your boat. An individual who is under driving age may not have the judgment or experience to make good decisions about managing the unique capabilities of a boat. Someone who is under the influence of a substance should never be allowed to drive a boat. A stranger whose abilities or judgment you don’t know should not be allowed to drive your boat without you being on hand to supervise.

Choose Christensen Insurance Group For Your Boat Insurance in Sandy, UT

You may have many questions about boat insurance and what it covers. Our agents are happy to provide answers with detailed information that suits your unique situation. We offer many types of insurance for homes, autos, classic cars, motorcycles, RVs, renters, and for businesses. Contact Christensen Insurance Group in Sandy, UT today for a no-obligation quote on boat insurance to ensure you are protected against unexpected boating incidents.

Who Needs Umbrella Insurance? Assessing Your Personal Risk

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Life is full of uncertainties, and while standard insurance policies provide good protection, they may not be enough when faced with a major claim or lawsuit. At Christensen Insurance Group, proudly serving the area in and around Sandy, UT, we understand that protecting your assets and future is a top priority. But do you really need umbrella insurance? Let’s break it down.

Understanding Umbrella Insurance

Umbrella insurance is an extra layer of liability coverage that kicks in when your standard auto, homeowners, or other liability policies reach their limit. It’s designed to protect you from large claims that could otherwise drain your savings, investments, and even future earnings.

Who Benefits from Umbrella Insurance?

While umbrella insurance isn’t legally required, it’s a smart investment for many people. If you own a home, have significant savings, or possess valuable assets, an unexpected lawsuit could put your financial stability at risk. Additionally, if you’re a landlord, own recreational vehicles, or have a high public profile, you may be at a greater risk of liability claims.

Even everyday situations can lead to costly lawsuits. Imagine a visitor slipping on your icy driveway or your teen causing a major car accident. Without sufficient coverage, you could be on the hook for damages beyond what your standard policies cover.

Protect Your Future with Confidence

Umbrella insurance isn’t just for the wealthy—it’s for anyone who wants peace of mind knowing they’re protected from life’s unexpected events. If you’re unsure whether you need this extra protection, Christensen Insurance Group, providing umbrella insurance solutions to residents in the greater Sandy, UT region, can help you assess your risk and find the right coverage. Contact us today to secure your financial future.

Why You Need Both Home and Flood Insurance Policies

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While a home insurance policy provides coverage against a wide range of disasters, it typically doesn’t cover flood damage. Therefore, if you don’t have flood insurance yet, it’s crucial to consider getting it. Contact us at Christensen Insurance Group in Sandy, UT.

Understanding Home and Flood Insurance

So, what happens if your home, covered by home insurance, experiences a flood? Without flood insurance, you’ll have to cover the costs of replacing your belongings and repairing your home out of pocket. Home insurance policies generally exclude floods from their coverage, so they won’t contribute towards cleaning up, fixing, and replacing items after a flood. Floods can cause extensive damage, and the aftermath can be incredibly expensive. Some people may even need their homes rebuilt after a flood. Without flood insurance, this may not be possible. Flood insurance is specifically designed to cover flood damage, providing the coverage you need as a homeowner.

The National Flood Insurance Program

This government-backed program ensures funds will be available when a flood occurs. With this program, flood insurance is a reliable and essential protection for your home. It’s advisable to have it even if you don’t live in a designated flood zone, as about one in five flood claims come from outside these areas.

Securing Flood Insurance in Utah

If you have home insurance but not flood insurance, you should consider getting a policy. Don’t wait to get the coverage you need for your financial protection and peace of mind. Call us at Christensen Insurance Group in Sandy, UT.

Four Fun Boating Hobbies

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Are you considering buying a boat or looking to maximize the fun factor of your current one? We’ll take a quick look at some enjoyable boating hobbies. However, remember that when you hit the water, you should do so with the appropriate safety gear and boating insurance plans. If you need assistance finding the right boat insurance policy in Sandy, UT, get in touch with Christensen Insurance Group.

Fishing

One of the safer and easier hobbies to engage in is fishing. Fishing from a boat offers much more flexibility than fishing from the dock or shore, expanding the possibilities of catching fish. While fishing is generally safe, having life jackets, a communication device, and other safety gear is still wise.

Water-Skiing

One of the most fun hobbies is water skiing, which offers many thrills and is relatively easy to learn. However, make sure everyone is wearing a life jacket and that you practice defensive boating while behind the steering wheel.

Water Tubing

A bit easier to jump into than water-skiing, tubing still offers a lot of fun. Setting up a boat and tube for water tubing is generally pretty easy and affordable, making it a great budget option. As always, make sure safety is a priority for everyone.

On-Water Picnics

Looking to wind down and enjoy time with the family? Simply packing a picnic basket and enjoying a nice lunch or dinner on the water can go a long way. However, you’ll need to make sure you have the appropriate boating insurance policy before heading out. If you need assistance in Sandy, UT, come work with Christensen Insurance Group. We love working with boaters and their families to increase safety and reduce risks.

Why a Small Business Owner Needs Umbrella Insurance

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Whether you’ve worked hard for years to make your business in Utah a success, or you’re just getting started and want to ensure your small business gets off on the right foot, you’ll need to consider umbrella insurance.

What Is Umbrella Insurance?

Most businesses have some liability insurance. Umbrella insurance is an extra layer of protection that supplements and extends beyond your basic coverage. It’s important to note that umbrella insurance is not stand-alone insurance. It works in conjunction with a general liability policy.

Why Does Your Small Business Need Umbrella Insurance?

There are several reasons a small business owner might need umbrella insurance.

  • Protection from Lawsuits: Unfortunately, lawsuits against businesses are not uncommon. A single lawsuit could put a small company out of business. Lawsuits could occur due to a delivery driver being in an accident or a customer slipping and receiving injuries while on the premises.
  • Assistance with Settlements: Beyond the legal costs of a potential lawsuit, your small business may be required to pay for medical and hospital expenses. Extra coverage can help pay for these expenses.
  • High-Hazard Industry Protection: Some industries, like construction companies, will likely need greater insurance coverage. If your business, no matter how small, is considered a high-hazard company, you’ll want to purchase umbrella insurance.

Contact Christensen Insurance Group in Sandy, UT

Christensen Insurance has been serving clients since the 1950s. We have the experience to help you put together the right insurance policy. At the Christensen Insurance Group in Sandy, UT, we can help you decide what type of umbrella insurance your business needs. Contact us to get started today.

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.