Homeowners Insurance in Saratoga Springs, UT
Sufficient homeowners insurance coverage can be helpful if a covered peril damages your home or you’re faced with a costly liability claim. At Moore and Moore Insurance, we’re here to help homeowners who are looking for a new policy or want to confirm that they’re adequately covered.
What Does it Cover?
While specifics may differ based on your insurer and personal circumstances, a standard homeowners insurance policy may cover the following:
- Repair or rebuilding costs of your home’s exterior and attached structures such as chimneys and porches
- Damages to detached structures such as fences and garages
- Damaged or stolen appliances, including clothes, furniture and electronics
- Medical expenses of a third party who is injured on your property
- Repair or replacement expenses if you’re liable for causing damage to someone else’s property
- Food, shelter and other necessities if a covered risk forces you to temporarily move out of your property
How Much Coverage Do I Need?
The coverage you need may vary based on the materials used in your home and the estimated cost to rebuild it. Be sure to consider the value of your personal belongings as well. In addition, your policy should provide financial protection against liability claims involving your property. While home insurance is not typically required by law, many mortgage lenders may mandate coverage while your loan remains outstanding.
How Much Does a Policy Cost?
The cost of a homeowners insurance policy in Utah may depend on the following factors:
- Property size and value
- Location
- Claims history
- Exposure to perils (e.g., fires, natural disasters, crime, etc.)
- Policy specifics (e.g., deductible, coverage limits)
If you feel like your rate is too high, you can often lower your premium by selecting a higher deductible or bundling multiple policies from the same carrier to unlock a multi-policy discount.
Get Covered Today
Contact Moore and Moore Insurance to explore your insurance options or request a quote.