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2 weeks ago

Buyer’s Guide for Homeowner’s Insurance

If you’re shopping for homeowners’ insurance, you need to know what to look for, what coverage you can expect and how to ensure you’re getting the best deal. Here is some information you can use like a buyer’s guide on this product.

 

Know Your Coverage Options

 

The two major types of coverage with any homeowner’s insurance is liability and repairs/replacement. With liability, you are covered if someone is injured on your property or their personal property damaged. The provider pays out for medical expenses and other damages up to a maximum amount.

Replacement and repair coverage pays for damages done to your home and other buildings on the property. It can range from minor repairs to rebuilding if the home is destroyed. The coverage is limited to specific conditions based on the policy. Some policies are quite limited while other pay for many types of damage.

 

You’ll also want to know what other coverage is available. For instance, flood insurance is often purchased separately.

 

Understand the Claims Process

 

You should find out about the process for filing a claim even before you purchase a policy. In most cases, there will be a separate claims department that will handle the issue. An appraiser may come out and look at the damage and come up with an amount for repairs. In other cases, the company may work with certain companies that will handle the repairs.

 

You may want to read reviews to find out what other policyholders have to say about claims with different companies. You’ll want to choose a company with a good reputation and positive reviews.

 

Consider Deductibles

 

The deductible is the amount you must pay for repairs before the insurance company begins paying. For many providers, the minimum amount is $1000 with a maximum of $2000. However, this can vary, and some companies will go even higher on the deductible so you can save money on premiums.

While it’s a good idea to carry as much risk as you can afford to reduce your monthly premiums, you also want to make sure you can pay the deductible if damage should occur to your dwelling. You can always change the deductible at renewal to fit your budget and needs.

 

Get Quotes

 

It’s important to compare prices and shop around for your homeowners’ insurance. While prices may not vary as much as with car insurance or other products, it is possible to save several hundreds of dollars over a year.

 

Get quotes from multiple providers using the exact same information. Keep the deductibles the same to see which provider is the least expensive. Just remember to use the quotes as only part of the information to make the decision of which company to choose. You must also consider customer service, claims history and reviews from other customers to help you make an informed decision.

 

Homeowners’ insurance is an important and necessary part of life for anyone who owns their own home. Just make sure you get the best coverage possible.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

3 weeks ago

Benefits of Homeowners’ Insurance

If you’re buying a home, the lender will likely require you to get homeowners’ insurance. At that point, your focus may be on getting a policy with the lowest price. However, you want to make sure you get the coverage you need in case you ever have to use it. A homeowners’ insurance policy covers a lot. Here are some of the benefits that may come with your policy.

 

Replacement of Personal Property

 

When your home is damaged in a natural catastrophe or other event, your personal items may also be damaged or destroyed. An insurance policy will include provisions to pay for replacement of your items. With this coverage, you want to make sure to get a policy that pays for replacement value and not just the cash value.

 

In most cases, you select the amount of coverage you want. Your coverage will pay up to the maximum amount you choose. You can also purchase additional coverage for more expensive items, such as jewelry and electronics.

 

Additional Living Expenses

 

If a situation leaves your home uninhabitable, your insurance policy will pay for your living expenses in a hotel or other costs associated being displaced. The policy may pay directly or reimburse you for your expenses.

 

There may be a limit of time for how long you can receive this benefit, but it is usually for as long as work is being done on your home. You may also notice a limit in the amount for your living expenses. For example, most policies won’t pay for a five-star hotel with room service and other features.

 

Home Repair Service

 

If damage has occurred to your home, you may need to hire a professional service to prevent further damage. For example, a company may need to come in and board up windows and doors to prevent entry after a fire. A mold remediation company may need to clean up after a flood.

 

These services are often covered by your insurance policy because they are related to a covered incident. You may have to go through specific companies, or there may be a limit to the cost which the policy will pay. If the situation is an emergency, it’s important to make sure you know the limited and rules of the policy before you hire a company.

 

When choosing a policy for your homeowners’ insurance, you want to know what coverage you have and for how much. It’s important to ask questions and understand your policy to ensure it covers your needs.

 

Homeowners commonly choose a policy based on cost without stopping to determine what coverage they have and understanding what it means. The time to learn about your insurance is before you need to file a claim. Take the time to read through the information you’re given and find out how and when to make use of your benefits if that time should come. Homeowners’ insurance is an important part of home ownership, and it should be taken seriously.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities. Affordable rates and superior service for all home, auto and business/commercial insurance needs.

1 month ago

What Your Homeowners’ Insurance Covers

When a person gets a mortgage to buy a home, they are obligated to have homeowners’ insurance. Many people try to find the least expensive policy just to meet the requirement. They may not even realize all that this kind of insurance covers. Here is a look at what a typical policy can do for you, and the different options available.

 

Coverage for Your Home

 

All policies cover the actual dwelling place where you live. If you have homeowners’ insurance, it covers the entire building. If you own a condo and have condominium insurance, the coverage will be slightly different because it will only include your unit.

The policy will pay for damages and either repairs or replacement of the building or unit if the claim is due to fire, storms, wind, hail, vandalism or other instances. It generally won’t cover you for flood damage. You must obtain a separate policy for that coverage.

 

Other Structures

 

If you have another building on your property, such as a shed or garage, your homeowners’ policy can be structured to cover those buildings as well. The cost is generally minimal since the price for replacement is less expensive than with your home.

This aspect of coverage will include your fences as well. The types of damage which qualify will be the same as for the actual home.

 

Personal Property

 

This portion of the policy covers the items inside your home. Included are items like furniture, appliances, clothing and more. You may need additional coverage if you have expensive items like jewelry, electronics or firearms.

 

You will estimate the worth of your personal belongings to determine how much coverage you need. You also need to decide if you want actual value or replacement value coverage. Most policies use replacement value, but you want to check before signing the policy. Actual value is how much the item is worth, while replacement value is how much it would cost to replace it with a similar item. For example, your sofa may only be worth $100, but it would cost $500 to replace it.

 

Liability

 

Homeowners’ insurance in Utah and around the country include a liability policy. This protects you if someone is injured on your property. It covers any instance, but some of the most common situations are:

 

Dog bites

Fall from an icy sidewalk or driveway

Falls down stairs

Accident in a swimming pool

Fall from a trampoline

Fall out of a tree

 

Since you would be legally responsible for any accident that occurs on your property and medical bills can add up fast, this portion of the policy is one of the most important. You may not want to settle for the lowest amount. You want to ensure you have adequate coverage if an accident should occur. In fact, some homeowners choose to add an umbrella policy for added protection to prevent loss of their assets if a claim should be made.

 

Homeowners’ insurance is an important part of owning a home. You need to understand what coverage you have, what it does and doesn’t cover and what additional coverage you may need. This protects you and your family as well as your assets.

 

ASA Insurance provides excellent coverage for  car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities . Affordable rates and superior service for all home, auto and business/commercial insurance needs.

1 month ago

How to Check for Roof Damage

One of the most common claims for homeowners’ insurance in Salt Lake City and elsewhere in Utah or even around the country is for roof damage. Depending on where you live, damage to your roof can happen from hail, wind, or snow. As a roof gets older, it is more likely to sustain damage, which could lead to other structural damage. Here are some tips to help you check for damage to your roof.

 

While it’s a good idea to have a professional inspect your roof, you can do an initial inspection on your own if you feel comfortable getting on a ladder and onto your roof. Make sure you plan enough time to look over the entire roof.

 

What to Look For

 

The first thing you should notice is the actual roof itself. Look at the shingles to see if any are broken or missing. Look for those that are curling, buckled or don’t seem to be secure. Notice the gutters to see if any pieces of shingle have slid off into them. You’ll also want to look around vents and flashing for cracks or rusted areas. Pay attention to how secure the vents are. If they move, it’s a sign they may have

missing screws and are allowing in water to the attic.

 

If you see moss on your roof, it’s a sign that the roof is decaying. Rust and worn shingles are two other signs to look for, which indicate an aging roof. While age isn’t a covered issue for most roof claims, it does warn you of the need for replacement before further damage occurs.

 

Look Inside Your House

 

You also want to check for roof leaks from inside your home. Notice water stains on the ceiling or wet or moldy insulation in the attic. If the paint is cracked or bubbly or wall paper peels, it’s a sign of moisture getting in from the roof.

 

Mold is often a serious indicator of older damage. It needs to be dealt with right away, and it may require a professional for removal.

 

The Cost of Repairs

Minor damage to a roof is often inexpensive. Replacing a few missing shingles can be less than $200. Replacing flashing on the roof can be less than $500. Ignoring the damage will ensure that it costs more

later on.

 

If your roof is still under warranty, you won’t be able to make the repairs yourself or you’ll void the warranty. Most insurance companies won’t cover DIY repairs either. If you must file a claim, you will only be responsible for the deductible and the insurance will pay for the rest of the expense.

 

The best time to check for damage is after a storm. You don’t want to wait too long or you risk further damage to your home. It only takes a few minutes for an inspection, or you can hire a professional. Getting your roof repaired after being damaged is critical to preventing further issues. In addition, it’s a good idea to inspect your roof every spring and fall to ensure it doesn’t need replacement or repairs.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities . Affordable rates and superior service for all home, auto and business/commercial insurance needs.

2 months ago

The Truth about Car Insurance Add-ons

You go to purchase car insurance in Salt Lake City or some other major city, and the agent asks you all kinds of questions about what coverage you need. It starts out with comprehensive and collision since liability coverage is required. Then, they start asking if you want GAP coverage, rental car reimbursement and other add-ons. You may either say yes or no to everything, depending on whether you are focused on price or coverage.

 

Many people never stop to think about whether they need the extra coverage or not. They make a snap decision, and sometimes they regret it. The truth is that add-ons can be unnecessary or they can be helpful, depending on your other options.

 

GAP Coverage

 

GAP coverage is protection for you if you should be in an accident where your vehicle is totaled. If you owe more on your vehicle than the value, GAP insurance pays the difference. In some cases, the policy even gives you enough money for a small down payment on a replacement vehicle. So, should you get

it?

 

It depends on whether you expect to owe more on your vehicle than it is worth. If you only put down a minimal down payment, you may owe more than the value of the car. If you paid down half of the price, that may not be the case. You also have to consider whether you already purchased this coverage when you bought the vehicle. In some cases, GAP coverage can be less expensive when purchased through an insurance company than through the finance company, so the time to shop for this coverage is before you buy a new vehicle.

 

Rental Reimbursement

 

If your vehicle is in the shop for a covered accident, you can receive a rental car paid by the insurer. Since rental rates can be quite high, this coverage could save you money. However, you want to consider whether you need it or not. If you have a second vehicle at home, you may be able to get by without a rental for a few days. On the other hand, you may want the coverage if you depend on your vehicle to get you to work or if you travel for your job.

 

Towing/Roadside Assistance

 

Breaking down on the highway far from home is never fun. Insurance providers offer towing and roadside assistance for an extra charge on their policies. While this sounds good in theory, you must decide if you will actually use it. Some policies limit you to less than 50 miles free with towing while others may pose special restrictions.

 

If you have a brand new vehicle, it often comes with roadside assistance. You may also be a member of an auto club or other group which offers this as part of the package. You don’t want to pay twice for the same product. Make sure you know the details of what is offered, such as towing distance and number of times you can use the service in a year. Compare pricing and products and choose the one that make the best sense to you.

 

Always ask for the details about any add-ons offered when you buy car insurance. Know what you’re getting and how much you’re paying.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities . Affordable rates and superior service for all home, auto and business/commercial insurance needs.

 

2 months ago

Talking to Your Kids about Drunk Driving

Getting arrested for a DWI/DUI can raise your rates for car insurance in Salt Lake City, but it also carries other serious consequences. While you may understand the seriousness of the issue, you want to make sure your new teen driver also understands. Even though your teenager is still under age for consuming and purchasing alcohol, you don’t want to assume it won’t happen.

 

Talking to your kids about driving under the influence can sometimes seem like you’re talking to the wall. They tune out as you begin your lecture and don’t remember anything you say. To get their full attention now and to ensure they remember when it’s most important, here are a few tips.

 

1. Choose the Right Time

 

Hopefully, you have already discussed the dangers of alcohol and driving with your kids well before they reached the driving age. They should know how you feel about such an action. However, you should still sit down with them and discuss it before you hand them the keys for the first time.

Select a time when neither of you are in a hurry to go somewhere or do something else. Treat it as a

serious conversation, but one in which both of you are discussing rather than just you lecturing.

 

2. Set Ground Rules

 

While you want to start out in a positive way so your teen won’t get defensive, you also want to take the opportunity to set some rules you expect them to follow. Make sure you let them know the consequences. Have a set time when they are supposed to contact you while they are out. Always know where they are going and who they are going with. This helps you be able to determine if alcohol will be served.

 

Make sure you are consistent with your rules. If you bend them once, your teen will expect the same result another time. For instance, if they come home after curfew and the consequence is no driving privilege for a week, follow through.

 

3. Help Them be Responsible

 

Let your teen know they can call you if they have been drinking, or give them someone else as a contact so that they don’t drive home. Help them understand that they should call rather than trying to drive on their own. Promise not to lecture them when you pick them up, so they don’t feel the need to sneak it by you by driving under the influence.

 

Have them pay for their own car insurance. Explain to them that if they get caught, they could lose their license or pay more for insurance. Even teens understand the impact of money if they are the ones paying for something. When they work hard for the privilege of driving, they will be more responsible about maintaining that privilege.

 

Help your kids understand the dangers of drunk driving by talking to them ahead of time. Make them responsible for their own actions and let them know the consequences.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities . Affordable rates and superior service for all home, auto and business/commercial insurance needs.

2 months ago

How Moving Impacts Your Car Insurance Rates

When you’re planning a move, the last thing you may think about is car insurance. In fact, you may not even consider it until you’re settled in, and you have to update your vehicle and driver’s license. When you tell your insurance agent about your new address and get the first bill for your premiums, you may be shocked.

 

A Change in Premiums

 

One of the factors for your policy rate is where you live. When you move to a new state like Utah, car insurance rates can go up or down, depending on where you moved from. Each insurer has their own criteria to determine rates, and they can be different. While they must be uniform for every customer and meet state requirements, they aren’t all exactly the same.

 

If you must change insurance providers when you move, you may see quite a change in your rates. You may lose out on a loyalty discount or other discounts that helped lower your rate. To compensate for this loss, you need to shop around and find providers that offer other deals or low rates.

 

Why Location Matters

 

Where you move to can have either a positive or negative impact on your car insurance rates. If you move from a large metropolitan area to a small city, you’re likely to see rates drop. On the other hand, if you move from a rural area to a city, rates will probably increase.

 

This change makes sense when you understand that the amount of traffic around where you live determines the number of accidents and claims. In a small town, you don’t deal with traffic congestion, and there are fewer vehicles on the road in general. In a city like Los Angeles or Washington DC, you’ll see major traffic issues and numerous accidents. Because the risk of you being involved in an accident increases, the insurance company must pass that risk on to you in the form of higher premiums.

 

How to Lessen the Impact

 

Obviously, if your rates go down, you’ll be quite happy with the result. If they go up, you may wonder what you can do. First, it’s a good idea to talk to your insurer when you first consider a move. If you have a few options on where you want to live, you may want to consider a suburb with less traffic than moving right downtown or off a busy highway.

 

You can also look at other discounts you might be eligible for. For example, a locked garage with a security system may help offset the rate increase if you moved to a high-crime location where auto theft happens frequently.

 

Don’t be afraid to shop rates if you work with an independent insurance agent. They can quote prices from multiple companies to help you find the lowest rate for where you live.

While you may not think about car insurance when you’re moving, your rates will be impacted. Take the time to find out how you can reduce the impact and keep your car insurance affordable.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities . Affordable rates and superior service for all home, auto and business/commercial insurance needs.

3 months ago

What College Students (And Their Parents) Should Know about Car Insurance

It’s that time of year when students have gone off to college and are asserting their independence. Since many of them leave near campus and parking is often at a premium, they may not feel the need to have car insurance if they left their vehicle at home. Consider these factors about why you may need car insurance, when you don’t and how to make it more affordable.

 

The Need for Insurance

 

Even if you left your car back home and only drive when visiting parents, you must have car insurance. You don’t want to risk an accident as an uninsured driver. If you drive someone else’s vehicle, you want to make sure their policy covers other drivers or you’ll need to have your own insurance. While most policies cover the occasional driver, you don’t want to assume every policy is the same. You also need to know what is considered occasional for that provider.

 

Your Parents’ Coverage

 

If you have been listed as a driver on your parents’ policy, you’ll want to think about maintaining that coverage while you’re away at college. It can be less expensive than getting your own policy while you’re under the age of 25. Find out the details about the coverage and compare it to other policies before you make any changes.

 

Know How to Reduce Your Premiums

 

Being a young driver will cause you to have higher rates than your parents in most cases. However, you can lower your premiums by doing a few things.

 

Get good grades – many insurance providers reward students with discounts if they make good grades. The view is that students who make good grades in school are more responsible in other areas.

 

Check your credit – if you don’t have a credit history, you may pay more than someone with a good credit score. Consider getting a credit card and using it responsibly.

 

Be a safe driver – take a safe driving course. Many providers give a discount when you complete a class.

 

Choose the right vehicle – consider insurance premiums when you shop for a new vehicle. Select one that comes with safety features and a good record for crash tests to get lower rates.

 

Your location and gender will also impact your auto insurance rates. Talk to an agent about ways you can reduce your premiums, including raising your deductible. You may find paying a higher deductible makes your policy more affordable.

 

Another option is to pay for temporary insurance. This is a relatively new type of policy you only carry when you’re driving a vehicle. If you only drive your car when you’re home for the summer, you may not need to carry coverage the rest of the year.

 

Talk to an insurance agent to find out the best options for you. Car insurance is necessary if you plan to drive a vehicle, but you can make it affordable to fit in your budget. Protect yourself with the right policy for a college student.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities . Affordable rates and superior service for all home, auto and business/commercial insurance needs.

3 months ago

Tips to Help you Save Money on Car Insurance with Teen Drivers

Your teenager can’t wait for next month when she turns 16. She’s already dreaming about buying her first car. Your son has been practicing for his test, trying to get the parallel parking perfect. All you can think about is how much more your monthly payments for car insurance are going to be. However, it is possible to have a teen driver in the house and have affordable insurance at the same time.

 

Add the Teen to Your Policy

 

Instead of purchasing a separate policy for your new driver, add them as an additional driver to your current policy. It’s often cheaper than making them the primary driver on a separate policy. Before you decide, ask your agent to compare costs on both options.

 

Choose the Right Car

 

If your teen is buying a vehicle, make sure you consider premiums before you go shopping. Avoid sports cars and other models with high premiums on their own. Look for a model with a good safety record, which will help reduce your premiums.

 

Require Good Grades

 

Many car insurance providers give discounts for students with good grades. Make it a requirement for your teen. Let them know they must make a certain grade and keep it up to continue to be able to drive. Find out what grades qualify for the discounts. Most policyholders accept A and B grades.

 

Review Your Current Coverage

 

Consider raising your deductible to help offset the additional cost. At the same time, you may want to consider increasing your coverage to protect the family from lawsuits. Another way to save money is by limiting coverage to liability if your teen owns an older vehicle which is paid for. Talk to a car insurance agent to decide on a policy that fits your budget and your needs.

 

Focus on Safe Driving

 

Explain to your teen the importance of safe driving not only to avoid accidents, but to keep insurance costs down. Make sure you set a good example by the way you drive. Set explicit rules about what is acceptable behavior and what isn’t. If your teen disobeys the rules, you need to set some sort of punishment, such as taking away driving privileges.

 

Find out if your vehicle contains features which allow you to set controls. Some newer models allow you to limit driving speed, radio volume and other settings when someone else is driving. This helps reduce the risk of an accident.

 

You can also make your teen responsible for part of the premiums. If they have a part-time job, they can help pay for the added cost. This step ensures they are more aware of how their driving impacts the cost of car insurance and how decisions they make can have long-term results.

 

Having a teen driver doesn’t have to be an unavoidable disaster. You can use this opportunity to help them take a step towards independence and adult living while they are still under your roof. You can also find ways of making insurance affordable for your budget.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities . Affordable rates and superior service for all home, auto and business/commercial insurance needs.

4 months ago

Getting Auto Insurance After a DUI

A DUI conviction can impact your life in many ways, including license suspension or jail time. What you may not think about initially is how it will affect your ability to get car insurance after you get your license back.

 

Understand the Law

 

Several terms are used to indicate that you were found guilty of drunk driving. They don’t all mean the same thing even though they’re often used interchangeably. For instance, DUI means “driving under the influence” and may include illegal or even prescription drugs that alter your ability to operate a vehicle. If you get in an accident while taking a medication that includes a warning not to operate machinery or drive, you could receive this violation.

 

A DWI is “driving while intoxicated” and refers specifically to alcohol. An OUI is “operating under the influence.” In most cases, you’ll lose your driver’s license for a few months if you’re convicted of one of these violations.

 

Anyone under the age of 21 cannot have any alcohol in their blood when tested. Those over 21 must have a blood alcohol content level below .08 percent or .04 percent if operating commercial vehicles. Utah has an implied consent law, which means you must consent to testing or have your license automatically revoked regardless of whether you were drunk or not.

 

Penalties for a DUI

 

In Utah, the penalty for a first-time offender is a fine of $700, a minimum of 48 hours in jail, and license suspension for 120 days. Second offence requires 240 hours in jail, an $800 fine and two years with no license. For the third offense, expect to spend at least 1500 hours in jail with a $1500 fine and two years license suspension.

 

The fines do not include court costs, legal fees or other expenses. Long-term cost from a DUI will be even more because of higher insurance rates.

 

Utah has stiff penalties for DUI convictions and car insurance companies also impose high rate increases. Average rate increase is one of the highest in the entire country at 76 percent or an average of about $900 more a year for coverage.

 

How to Get Cheaper Car Insurance After a DUI

 

Some auto insurance providers may not renew your coverage while others will increase the rates dramatically. To ensure the most affordable coverage if you have a conviction on your record is to shop around. While you can’t expect to get the best rates, you can look for cheaper rates for your situation. Compare rates from multiple companies and you may notice several hundreds of dollars difference. This comparison allows you to save the most money possible. Some may also consider a driving safety course to help lower your rates.

 

As your conviction ages and you don’t become a repeat offender, your rates will gradually get lower. Until then, your best option is to shop around and find the best policy you can afford. A DUI is a costly mistake, but one you can recover from over time.

 

ASA Insurance provides excellent coverage for car and home insurance in the Salt Lake City area with the lowest rates to the English and Spanish communities . Affordable rates and superior service for all home, auto and business/commercial insurance needs.