Home Insurance

Your Most Valuable Assets Deserves the Best Home Insurance Coverage for Loss, Theft, and Damage in Utah

ASA Insurance Provides Home Insurance in Salt Lake City at Affordable Rates

Your home is probably the largest investment you will ever make, and you want to protect that investment with the right coverage. Many factors enter into determining how much you will pay for home insurance, such as the type and size of the home, age of the home, and location. In addition, you can select the type of coverage you need, which may include replacement of personal belongings, water damage and earthquake insurance.

ASA Insurance will work with you to ensure you have the coverage you need for your home, whether you live in Salt Lake City or elsewhere in Utah.

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    What kind of protection will the right home insurance provide?

    • Structural Repair – if your home is damaged in a covered event, your coverage will pay for repairs. This may include roof repairs or broken windows from storm damage. If you have multiple buildings on your property, such as a detached garage or shed and a deck, they must be added into the policy.
    • Personal Contents – this coverage pays for replacement of your personal items if they are damaged in an event, such as fire. You must estimate how much you think your belongings are worth to ensure adequate coverage.
    • Expensive Personal Items – items such a jewelry or electronics may require separate coverage to ensure you carry the full replacement value.
    • Loss of Use – if your home is beyond use due to an event such as fire, your policy will cover expenses of living in another location for a period of time.
    • Liability – this coverage protects you if someone should get injured while on your property; it pays for the person’s medical expenses from falls, dog bites and other accidents.

    You will have a deductible, which is the amount you pay before the insurance policy begins coverage. Deductibles can range from $500 to $1000 or even higher, and will impact how much you pay on your premiums.

    Choosing the Right Homeowner’s Insurance

    Besides looking at the cost, you want to consider how much coverage you need. Working with a trusted agent at ASA Insurance will help you understand your options as well as compare pricing for the various policies available.

    Another factor in your home insurance is cash value or replacement cost. While most lenders require you to carry replacement cost on the home if you have a mortgage, you want to be sure which type of policy you are looking at. You most often see the two options when it comes to your personal belongings.

    With cash value, you are paid only what the item is worth at current market value. An older item will be worth less unless it is an antique. Replacement cost is the amount it would cost in today’s market to replace that item, regardless of what it’s actually worth.

    To receive a quote on home insurance and to learn more about what a policy covers, talk to an agent with ASA Insurance. We can help you make the right decision to protect your home with a policy that fits in your budget. Contact us today at 801-486-7463.

    Home Insurance FAQs

    How much home insurance do I need in Utah?
    A good rule of thumb for the basic level of home insurance you’ll want to have is this: enough to cover the cost of rebuilding your home if it were totally destroyed. For example, if your property is worth $400,000 but the physical structure of your home would cost $280,000 to rebuild, you’ll want to have at least $280,000 in home insurance coverage.

    This is just a rule of thumb, however, which means it’s important to speak to your home insurance provider about your specific circumstances in order to find the right policy for you.

    Does home insurance cover water damage in Salt Lake City?
    This largely depends on what caused the water damage. For example, if the pipes burst suddenly in a new home, this is more likely to be covered because it was sudden, unexpected, and largely unavoidable. But what if this happens in an older home with outdated plumbing? In cases such as these, this type of water damage isn’t likely to be covered because it is considered avoidable if the homeowner had updated their plumbing.
    Is home insurance required in Utah?
    If a homeowner purchases their home without a mortgage, home insurance is not legally required. However, most homeowners have a mortgage for their home and mortgage companies almost always require homeowners to have home insurance to protect their investment.
    Does home insurance cover fire?
    We love this question because it gives us the opportunity to offer up a bit of a history lesson: home insurance was first created specifically for fire damage! As such, to this day, fire damage is almost always covered by home insurance, provided it wasn’t started by the homeowners intentionally.
    What does home insurance cover?

    Home insurance coverage includes a number of things, although these will depend on the specific inclusions and exclusions on a particular policy.

    That being said, here are some of the most basic things covered by most home insurance policies in Salt Lake City:

    • Fire damage
    • Theft
    • Wind, hail, and lightning damage
    • Vandalism
    • Smoke damage
    How do I shop for home insurance in Salt Lake City?
    Shopping for home insurance starts by choosing a handful of home insurance companies and reaching out to them for quotes. Then, it means comparing these quotes based on the coverage they provide—if one policy is significantly cheaper than another, it’s often because it doesn’t give you as much protection.
    Does home insurance cover roof damage?
    If your roof is damaged by a sudden and unexpected event, then in most cases, it will be covered by home insurance. But let’s say your roof is 30 years old and hasn’t been maintained properly. Then, if you try to make a claim for roof damage, it isn’t likely to be covered because this will usually be considered the result of homeowner negligence.
    Who has the cheapest home insurance?
    ASA Insurance offers some of the cheapest home insurance rates in Salt Lake City. It’s important to be sure that with a low premium, however, you’re still getting adequate coverage that gives you the protection you deserve. When you choose ASA Insurance as your home insurance provider in Salt Lake City, we go above and beyond to ensure you’re not only getting a rate that works for you, but that it comes with adequate coverage as well.
    Where can I find an affordable insurance quote in Salt Lake City?
    You can contact us here at ASA Insurance. We provide quotes for home insurance in Salt Lake City. Since we are an independent agency, we have access to multiple insurance carriers. This allows us to look for the most affordable property insurance to fit your budget and your coverage needs.
    How much does home insurance cost for a typical 4-bedroom house?
    Several factors impact premiums for a property besides the number of bedrooms. Here at ASA Insurance in Salt Lake City, we will ask you a series of questions so we can provide you with an accurate quote. We’ll need to know the square footage of the house, the year it was built, and the type of material. Depending on the insurance carrier, we may need to know if it comes with a fireplace or if you have a swimming pool or trampoline on the property. If you have certain breeds of dogs, it can also influence your premiums. Contact us to find out how much you would pay for your home insurance needs.
    What are the best house insurance companies near me in Salt Lake City?
    The best house insurance provider will depend on your situation. For this reason, it’s best to compare quotes with an independent agent. ASA insurance will take your information and review your options with multiple insurance carriers that provide coverage in Salt Lake City so you can get the best coverage for the right rate.
    What is the average monthly cost for home insurance in Salt Lake City?
    The average monthly cost for home insurance in Salt Lake City will vary based on several factors. The age and size of the home will have a major impact along with other features about the property. You may pay less if you bundle your home insurance with car insurance or if you qualify for discounts. The staff here at ASA Insurance can help you find out how much you will need to pay monthly based on your unique situation. We can help you compare rates with different insurance carriers so you can find coverage you can afford. Give us a call today to find out how you can save money and enjoy the peace of mind that comes from having the right amount of home insurance.

    We’re Not That Far Away!

    For all of your general liability insurance needs, ASA Insurance in Salt Lake City is just a phone call away! We’ve been finding commercial and personal insurance policies for our clients across Utah since 1950, and we look forward to doing the same for you.