Utah Homeowners Insurance Basics

Home Insurance 101

Homeowners insurance provides financial protection against disasters. A normal policy will insure your home as well as your personal belongings. Some Utah home insurance policies will even cover your belongings anywhere in the world. So if you are on vacation in Paris, and your camera is stolen you can call your insurance agent back home in Provo, Utah or Salt Lake City and file a claim. Check with your local agent because many times your belongings do not have the same coverage limits when traveling.

Homeowners insurance covers both damage to your property and your liability (legal responsibility) for any injuries and property damage you or members of your family cause to other people. What this means is if your kids hit a baseball through the neighbors window your insurance may cover the replacement cost.

Damage caused by most disasters is covered although there are a few exceptions. The biggest ones you need to worry about are damage caused by floods and earthquakes. The federal government backs all flood policies and you must buy one separately. See the link for the local insurance agency in the bar to the right they offer these policies. Many people have called their insurance company when their air conditioner stops working, or when their furnace breaks. Your insurance policy will not cover maintenance issues like these.