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Christensen Insurance Group

765 E 9000 S Suite A2
Sandy, UT 84094

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Does your motorcycle policy provide the liability coverage you need?

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Christensen Insurance Group is here for the motorcycle owners in the Sandy, UT community. We understand the thrill of hitting the open road on your bike, and we are here to help you enjoy your bike for many years! If it is time to review your current policy for completeness, call us today and schedule an appointment.

Do you have the liability protection you need?

Regarding liability coverage for your motorcycle, you may discover that you don’t have adequate protection. Many motorcycle policies provide the minimum required amounts for liability insurance. Carrying such a policy can leave motorcycle owners financially responsible for expenses related to liability.

There are a few ways that liability can affect you:

  • You are involved in an accident that affects your passenger.
  • Another person is injured due to an accident that you are involved in.
  • There is property damage or loss that occurs due to an accident while you are on your bike.

In all of these situations, you may be held financially responsible. To have personal responsibility, you can protect yourself with enhanced liability coverage. This protection can cover the expenses associated with such liability and protect your assets.

Why not review your motorcycle policy today and ensure that you have the right liability coverage?

We are here for all motorcycle owners in our area!

Liability insurance is an important part of any insurance, especially motorcycle insurance policies. The folks here at Christensen Insurance Group are proud to serve the insurance needs of our friends and neighbors in the greater Sandy, UT area. If you would like to learn more about your policy options, call us today.

Common Boat Insurance Add-Ons

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Christensen Insurance Group is an independent agency. For over 30 years, we have helped our clients assess their options and obtain coverage that aligns with their values. We work with multiple carriers across Sandy, UT, and other parts of the state. We take pride in helping our clients obtain the coverage they are looking for.

We look forward to assisting you.

Common Boat Insurance Add-Ons

Boating is a popular hobby in Sandy, UT. The state hosts more than 50 different lakes and rivers. Boating is a fun way to spend time with your friends and family. However, it’s essential to stay safe. Boating accidents sometimes occur with fatal consequences. Boat insurance offers a layer of protection. The policy covers any potential damage to your boat due to a collision with another watercraft or object. You are also covered if your boat is vandalized or stolen. Boat insurance also covers you if your boat suffers damages due to an accidental fire or natural disaster. Liability coverage is another significant part of your policy. This type of coverage protects you if your boat accidentally injures someone or causes property damage. You are also covered if a passenger on your boat gets injured. Boat insurance policies are flexible, so you have the option to add some coverage to your policy.

Modified Coverage

You can add modified covered if you have any luxury accessories on your boat or if you’ve made upgrades to the engine. If your boat has an enhanced motor, modified coverage protects your boat if it suffers any damage.

Fuel Spill Coverage

Fuel spill coverage protects you from potential litigation if your boat is leaking fuel into the water. You will receive urgent assistance.

Christensen Insurance Group Will Help You Protect Your Assets

Contact our office to learn more information about boat insurance.

Who needs umbrella insurance in Sandy, UT?

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Most insurance policies include liability coverage for a reason—everyone needs liability coverage. In fact, you can never have enough liability and the best way to stay covered is by purchasing umbrella insurance. At Christensen Insurance Group, we advise our clients to buy umbrella insurance to pay for expensive liability claims. The key to deciding whether you need umbrella insurance is understanding what it covers. In this article, we will list 4 people in Sandy, UT who are likely to be affected the most if they don’t have umbrella insurance.

Parents

If you are a parent to young or teenage children, you can easily find yourself in trouble when they damage other people’s property or injure other people. Depending on where the injury or damage occurred, your home or auto insurance might not be adequate to cover all the costs. Umbrella insurance can help pay the remaining expenses.

Dog owners

Dog bites are usually covered by your homeowners’ insurance. However, if the hospital bills exceed the liability limits in your home insurance, you might need umbrella insurance to pay the rest of the bills. Umbrella insurance also pays for legal fees if you’re sued for pain and suffering.

People who drive often

If you spend long hours driving, you’re at a higher risk of getting involved in a road accident. Your auto insurance liability coverage might not be enough to cover all the damages and medical expenses. Umbrella insurance can help pay for damages and injuries sustained by other motorists if you caused an accident.

Business people and asset owners

Being a business or commercial property owner means dealing with many people, including partners, other companies, and tenants or customers. That means you’re likely to get sued for various reasons in your business or property. Such lawsuits can be quite expensive if you’re not prepared with adequate umbrella insurance.

Looking to buy umbrella insurance in Sandy, UT? Christensen Insurance Group can help you get a policy that matches your insurance needs, style, and budget. Contact us for professional advice and unmatched services.

When do Sandy property owners need to have flood insurance?

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Those that are in the Sandy, UT area will find that owning a home is a great long-term decision. While this is a place that you will call home, it is also the most significant asset that most people will ever own. Because of this, you will want to know that you have the right insurance, which could include flood protection. There are various situations when you need flood insurance.

When Concerned About Flood Risk

A situation in which you will need to have flood insurance is when you are concerned about the risk of floods. If your home is an area that is susceptible to flood damage, you should have flood insurance as your home insurance plan likely will offer limited flood support. With flood insurance, you will have the coverage needed to cover flood damage.

Coverage is Required

You may also need to have flood insurance in this part of Utah as it could be a requirement. If you finance your home, the mortgage lender is going to run a flood determination report. If they determine that you have a heightened risk of flood damage, the lender will require that you carry flood insurance throughout the term of the loan. 

When you are going to purchase a property in the Sandy, UT area, you will want to always have the right insurance. For many, this can mean having flood insurance. As you are evaluating your insurance options, the team with Christensen Insurance Group can help you determine if flood insurance is right for you. The team is able to do this by assessing your home and its location to see if you are at risk of flood damage. Christensen Insurance Group can then give the guidance necessary to get into your next plan. 

Do you need a comprehensive policy for your boat?

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Boat owners in the Sandy, UT area rely on the Christensen Insurance Group for their insurance needs. If you are looking to upgrade your current policy because you want more comprehensive coverage, we can help. Our knowledgeable agents can help you review the policies that are available in our area and determine which one is right for your needs.

Why comprehensive boat insurance may be right for you

If you are an avid boat owner, you may wonder which level of protection and coverage is right for your needs. There are many factors to consider when selecting boat insurance. From choosing options such as at-sea towing coverage to protection when transporting your boat to the water, there’s a lot to think about!

If you store your boat in a dry dock during the off-season rather than keeping it in a marina, your insurance needs could be quite different. The same is true when it comes to transporting your boat to the water. If you are trailering your boat to and from the lake, your needs will be different than someone that keeps their boat at the marina. 

Levels of protection for damage, theft, and liability are additional considerations. All of these factors can be addressed by selecting a comprehensive policy that provides the type of protection you need. Basic boat insurance may not meet your needs if you want to be protected from the pitfalls that can occur both on and off the water. 

Ready to learn more? Call the Christensen Insurance Group today!

If you live in Sandy, UT or the surrounding area and want to learn more about your comprehensive boat insurance options, call or stop by today!

Tips for buying umbrella insurance for the first time

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Umbrella insurance is not your typical auto or home insurance. It is an extra layer of liability protection that protects you against financial losses when the liability coverage in your standard policy is not enough to cover the damages and injuries.  If it’s your first time learning about umbrella insurance in Sandy, UT, you must be wondering what the buying process is and how much insurance to buy. Christensen Insurance Group will help you learn a few tips to help you get started.

Do your research

Information is power. Buying insurance also requires mental, psychological, and financial preparation. You need to determine how much insurance you need, who or what assets will be covered in your policy, and insurance costs in your area.

Ask for referrals

The insurance company you choose is as important as the policy you intend to buy. There’s a good chance that one or several of your friends and family members have umbrella insurance. They are the best people to help you find the right insurance company.

Stick to your budget

It’s always essential to stick to your budget when buying umbrella insurance. That means only sticking with insurance companies that accommodate your budget. However, this doesn’t mean you go for the cheapest insurance company in Sandy UT. Check what the company has to offer, including discounts, before settling to buy.

Understand your policy

Never sign an insurance document that you don’t understand. Ask relevant questions, particularly areas you don’t understand. Read the terms and conditions in your policy and understand everything in detail before signing the document. This helps protect you from hidden costs and any confusing information designed to make you lose more money.

Need more information about umbrella insurance? Don’t hesitate to contact Christensen Insurance Group, and we will be happy to assist you.

Do You Need Flood Insurance If You Aren’t Near a River?

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If you have been told by your mortgage lender or even a local official that you need flood insurance, the idea might seem baffling to you. You aren’t even near a major river or water source, so why do you need flood insurance?

The answer in short? Life is unpredictable. Christensen Insurance Group, which serves Sandy UT,, knows this all too well.

Floods Happen Anywhere

Even if you are not near a river, a hurricane or other natural disaster could bring flooding to your area. Flooding may be linked to excessive rain, melting snow, or even construction down the street. In some cases, the failure of a dam to hold back water properly causes damage to local homes. Even areas that are not considered high-risk for floods experience them.

Floods Are Costly

Many people do not realize that very little flooding is required to damage your home and belongings. Even an inch of water can cause foundational damage to your home. Inside your home, an inch of water covering the floor can be devastating. Without flood insurance, you may not have a way to adequately cover the damage.

Your Homeowners Insurance Policy Is Not Enough

It is often not enough to get a homeowners insurance policy and expect it to cover flood damage. In fact, flood damage is often excluded from homeowners insurance policies. If this is a surprise to you, you should consider getting a new policy.

Do you want to know what kind of flood insurance is right for your home? If you live in Sandy, UT, contact Christensen Insurance Group for more information about policies that protect you.

A Brief Look at Different Types of Life Insurance

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Life insurance can help ensure your loved ones are taken care of financially when you pass away. You can rest easy knowing that they won’t be caught in a financial bind if the unexpected occurs. Here at Christensen Insurance Group, we want to ensure that Sandy, UT residents are familiar with the different types of life insurance available.

Term Life Insurance

Term life insurance is temporary and can last for a decade, two decades, or three decades. Generally, you do need to undergo a medical screening. It is also the most affordable life insurance option. Throughout the term, your premiums won’t increase. However, as soon as the term life insurance expires, you’ll need to pay more in order to extend your insurance coverage.

Term life insurance is a great choice if you are looking for affordable coverage for a pre-determined amount of time. For instance, if you want to ensure you have life insurance coverage while you are paying off your home or until your kid graduates from school.

Whole Life Insurance

Whole life insurance is a policy that lasts for the rest of your life. However, if you fail to pay your premiums, the policy will cancel, and your beneficiaries will be unable to collect the death benefit. As long as your premiums stay current, the policy will pay out regardless of whether you die in a month or in 30 years.

Because whole life insurance is designed to last a lifetime, the premiums do cost more. In addition, you will need to undergo a healthcare screening. Regardless, if you want to ensure your family is well taken care of upon your passing, this is an insurance policy to consider.

Universal Life Insurance

Similar to whole life insurance, universal life insurance is permanent. However, a portion of the premium that you pay each month is placed into an investment account that allows you to accumulate wealth that can be withdrawn at a later date.

Some insurance companies offer long-term care and disability coverage, providing a benefit in the event you suffer from a disability and are unable to financially support yourself. While this option is the most expensive of the three, it is most ideal for an individual who is seeking ultimate coverage and financial security.

If you would like to discuss your options for life insurance, reach out to our dedicated team at Christensen Insurance Group who proudly serves the Sandy, UT area.

Why basic auto insurance may not be the right choice

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The state of Utah like most states has a mandated amount of liability insurance that is required in order to drive in the state. This is what basic auto insurance is, it doesn’t include any of the other optional coverage that has more to do with the driver’s car than with any other vehicle or person injured in an accident. At Christensen Insurance Group in Sandy, UT, we have almost 70 years of experience helping to provide the best possible customer service to our customers. We represent over 20 carriers which means we can provide you with more choices. 

In Utah, basic auto insurance is 25/65/15. $25,000 is for the first person injured in an accident where you are at fault, with the total for injuries for a particular accident of $65,000. The amount for property damage is $15,000. Given the cost of vehicles these days, that is woefully low. 

Basic auto insurance is just that, pretty basic. Taking into account what an emergency room visit can cost, you might find yourself on the receiving end of a lot of hospital bills not to mention legal action. If you have no assets that may not hurt you much but if you have assets and a good job you could stand to have your salary garnished and your assets in danger of being lost. Having a higher level of liability coverage is the best way to protect yourself. 

With basic coverage, your vehicle is not protected at all. If you count on your vehicle every day to get to work and run errands, you should probably consider having collision and comprehensive coverage to protect it. Full glass coverage is something that almost everyone needs at some point or another. 

For all your auto insurance needs contact Christensen Insurance Group in Sandy, UT. 

Are You on a Fault Zone?

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An earthquake occurs somewhere in the world every 6 minutes. If you live in the United States, a major earthquake with a value of 7 or greater (very destructive) occurs at least once per month. "Great earthquakes" occur somewhere in the world at least once per year (magnitude 8 or greater) (total destruction). 

The Reality of the Risk

In Sandy, UT you have at least a moderate risk of an earthquake doing damage to your home or property. Unless you live in California or perhaps on the border of Missouri and Tennessee, you might not be able to relate to the concerns of earthquakes occurring close to your location. But the truth is, you have a pretty fair chance of incurring damage from an earthquake at some point in your life simply from the statistics alone. 

In fact, the only states that do not have an earthquake risk rating are:

  • Upper Michigan
  • Upper parts of Minnesota
  • Upper regions of Wisconsin
  • Florida
  • Parts of Nebraska
  • North Dakota

These regions have a relatively low risk of earthquakes (though the risk is still there). All of the other parts of the United States have at least a moderate risk of an earthquake at any time. Think about that! That’s why Christensen Insurance Group is there to help you prepare for the unexpected.

Like the people that experienced the terrible flood in Colorado about a decade ago, people often don’t know the real risk until something happens. 

Are Earthquakes Predictable?

The only thing predictable about an earthquake is that many of them occur every day. In fact, hundreds occur every day all over the United States alone and if you live on the West Coast or anywhere in the West or the New Madrid fault zone around Missouri, Arkansas, or Tennessee, your chances are good that you will feel a tremor or earthquake on a fairly regular basis. 

An earthquake is a good example of a natural event that is unpredictable. Like many things in life, you can’t know when something will happen. So you have to prepare in case it happens when you least expect it.

Are you insured?

The time to purchase insurance is today before you feel the rumble of an earthquake that could bring damage and destruction to your property or belongings. 

Christensen Insurance Group of Sandy, UT can help you find the earthquake insurance you need to protect your assets. Because you never know what life will bring next.