Renters Insurance Resources Layton UT

Don’t go without renter’s insurance. It took time to collect your valuables. An unfortunate and unexpected event could take it all away unless you were smart enough o prepare in advance with a renter’s insurance policy. Here you will find renter’s insurance tips that will help you get the best insurance coverage at just the right price. Please scroll down for information and access to the local insurance agents in Layton, UT listed below.

Arnell Insurance Group
(801) 683-0813
1466 Walker Ln.
Farmington, UT
Health Insurance, payroll services, Life Insurance, Wellness Programs, Dental Insurance

Thomas Martin Financial-Thomas Wood
(702) 471-4445
473 S River Rd Ste 1-396
St George, UT
Arnell Insurance Group
(801) 335-9970
230 W. 200 S.
Salt Lake City, UT
Health Insurance, Wellness Programs, payroll services, Dental Insurance, Life Insurance

Morgan Title & Escrow, Inc
(801) 753-7700
202 East 800 South Suite 101
Orem, UT
Secured First Financial
(801) 285-9609
748 E. Pioneer Rd.
Draper, UT
Alternate Phone Number

American Family Insurance
(801) 228-9820
344 W. Center St
Provo, UT
Evolution Insurance Brokers
(801) 304-5562
8722 S Harrison ST
Sandy, UT
Karl Kunz State Farm Insurance
(801) 290-3915
210 N 4th Street # B
Manhattan, UT
Alternate Phone Number
(785) 776-3800
Auto Insurance, Car Insurance, Life Insurance, Home Insurance, Renters Insurance

Allstate Insurance - Dave Alvey
(801) 783-2432
2900 S. State St. Suite #200
Salt Lake City, UT
Express Insurance
(801) 203-3191
222 S. Main St. 5th Floor
Salt Lake City, UT

Buying Renter's Insurance

By Julie Fishman

After college graduation, there are often a series of other graduations: Natty Ice to Bud Light; 1990 20” TV to 2007 42” Sony flatscreen; $150 canvas futon to $1,500 leather couch. But what happens to all of that accumulated wealth in the event of lightning or larceny

? It’s a common misconception that a landlord or condo association’s insurance will cover damage to a tenant’s goods in case of a catastrophe. Though the owner’s insurance will pay for structural building damage, it won’t protect personal property. Once you move into your place, you are personally liable for what goes on in the apartment. So how do you handle that responsibility?

The simple solution is renter’s insurance: like a condom, it’s low in cost ($150-300/yr) but high in benefits. Not only does it cover individual belongings, but it gives you a place to crash when your pad is trashed and covers liability in case of any injuries. Candles, robberies, volcanic toilets—the list of possible disasters is not only limitless, but, in the world of post-grad partying, not all that unlikely. Ultimately, $17 a month is a pretty cheap price to pay for peace of mind.

Disasters and Delinquents: What Does It Cover?

Most basic plans cover fire, lightning, theft, smoke, vandalism, and wind/hail storms. Included with some, or offered as an add-on, are damage due to floods, burst pipes, riots, aircraft and vehicles, freezing of plumbing, falling objects, explosions, volcanic eruptions, and weight of snow, ice, or sleet. If you're living in a flood-, hurricane-, or earthquake-plagued area, protection from those disasters may cost additional dinero. You should be able to tweak the plan to fit your needs, but sadly no plan will cover a drunk friend urinating in a Gucci-filled dresser drawer that he thought was the toilet (personal experience…except replace Gucci with Gap).

An Advantage in Adversity: What Does it Do?

  • Shields Your Stuff – Everything from a Dell computer to designer curtains can be covered by renter’s insurance. Pricey possessions, like grandma’s fur coat or grandpa’s Joe DiMaggio rookie card, may require an additional fee.
  • Provides a Provisional Pad – If a fire takes out the wall, you won’t have to relocate to a bench at the bus station. The policy will pay for temporary housing to a similarly priced pad or hotel, usually for up to 12 months until the repairs are made, rebuilding is completed, or a permanent abode is found.
  • Insures Injuries – When a soon-to-be-ex friend slips, breaks her pelvis and sues, renter’s insurance will help pay for medical and legal expenses. Renter’s insurance will not help find better friends.

Penny Wise: How Much Does it Cost?

Premium price depends on a number of factors, such as how much is actually insured, what area the digs are in, if any additional coverage is needed, and what insurance company is used. With no additional coverage, a plan will typically run $150-300/yrR...

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