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types of insurance utah

Do you need insurance? Insurance is often overlooked until disaster strikes, and you find yourself in need of insurance. Having all of the right policies in place before disaster strikes are essential to prevent serious financial consequences. What types of insurance do you need? Depending upon your life situation and needs, there are several options available. The most common types of insurance policies include:

  • Health Insurance

  • Life Insurance

  • Homeowners Insurance

  • Renters Insurance

  • Auto Insurance

Health Insurance

Employers often provide health insurance benefits, but not all businesses have the capabilities to do so. It is essential to find affordable health insurance to help pay for the costs of medical care. If something happens and you aren’t covered, you could be facing hundreds of thousands of dollars in medical bills. The Affordable Care Act can help individuals find affordable health...

car insurance utah

In almost every state in the nation, you must purchase car insurance. Most drivers carry car insurance, but some people only buy the minimum required amount. Should you purchase more car insurance, or do you have enough? It all depends on your car, your driving habits, and what you need to pay for the costs associated with an auto accident. Here are some tips to help you understand car insurance and why you need to purchase a policy as soon as possible.

Collision and Comprehensive Coverage

What are collision and comprehensive vehicle coverage? If you drive an older car with a low market value, you may not purchase additional coverage options as it might be cheaper to buy a new vehicle than repairing your old one. However, collision coverage will pay for damage done to your car when a car accident occurs. What happens if someone injures you during a minor fender bender and they leave? You can file a claim with your insurance company to pay for the damaged rear bumper and medical costs associated with the accident. Collision insurance is a...

basic homeowners insurance utah

When it comes to owning a home, there are costs associated with homeownership that most people do not realize. Purchasing homeowners insurance is one of those costs that can be stressful for many people. A basic homeowners policy might be the most affordable, but does it cover what you need? It all depends on your lifestyle and where you live. Some areas of the country are prone to severe problems like tornadoes, earthquakes, and hurricanes. To be protected appropriately, review your homeowner’s insurance policy frequently to find the best coverage for your needs.

Here are some extended homeowners insurance policies to consider adding to your policy:

  • Extended dwelling coverage. Extended coverage goes beyond the standard coverage as it provides for the rebuilding costs of rebuilding your home in the event of a disaster. Extended coverage can pay for other expenses such as debris removal, architect fees, and more.

  • Law or building ordinance coverage. When a home is damaged and needs serious repair or rebuilding, we...

theft insurance ogden

A homeowners insurance policy is designed to protect you, your family, your assets, and your home. Theft and break-ins are some of the most terrifying things a homeowner can think about, but there is always a risk. Does your homeowner’s insurance policy provide adequate coverage for theft and break-ins? Will you be able to recover from burglary? Can you afford the cost to repair your home and replace stolen assets? Without coverage, you leave a lot of risk in your life. Here are some homeowners policy terms to understand:

  • Dwelling coverage. If your home is damaged due to a break-in, dwelling coverage will pay for any damages such as a broken window or door. Also, dwelling coverage can provide for repairs of assets damaged. Each insurance provider has different policy limitations, which is why it helps to compare insurance policies annually.

  • Personal property coverage. If your belongings are stolen or damaged, personal property coverage will assist in paying to replace...

insurance premiums utah

Most people have heard about premiums, deductibles, and limits, but not everyone truly understands them. What do these terms mean, and how do they impact your finances? Just Protect Insurance is here to help you understand these terms.

What is an Insurance Premium?

To keep your insurance policy in place, you need to pay an insurance premium. Insurance premiums are paid monthly, quarterly, or annually depending upon your insurance policy. Some companies offer discounts for individuals paying up-front compared to those paying monthly. If you fail to pay your premium, you will lose insurance coverage. Insurance premiums vary based on several factors, including;

  • Coverage limit

  • Deductible

  • Optional coverage

  • Homes age and condition

  • Claims history

  • Credit rating

  • Discounts for anti-theft and reduced risk protection (fire protection, etc.)

Call your insurance provider immediately to check for homeowners...

insurance savings utah

Insurance is designed to protect you against catastrophe. If disaster strikes, you can find yourself dealing with difficult financial hardships, disabilities, and more. When you have insurance, you pay a monthly or annual premium in exchange for coverage. When you have to file a claim, your insurance policy will kick in, and the provider will start working with agents to begin repairs or start the healing process. Finding the right insurance is a delicate balance. Some people are paying too much for coverage they don’t leave, while others are undercovered and will still end up with financial challenges following the filing of a claim. There are several types of insurance, including;

Raising Deductibles

One of the easiest ways to reduce your monthly insurance cost is to raise...

liability insurance ogden

When purchasing car insurance, providers often have two main coverage options, full coverage, and liability. Auto liability insurance is required by law as it helps pay for expenses the other party sustains in an accident. If you have a car loan, the lender normally requires full coverage insurance to pay for all costs associated with a claim. However, individuals that own their vehicles outright often use liability insurance to save money on annual premiums.

What Does Liability Insurance Cover?

Liability insurance will pay for repairs to another person’s vehicle along with medical costs if you are found responsible for causing damage. Auto liability insurance typically has two coverage areas;

  • Bodily injury liability

  • Property damage liability

With bodily injury liability, the insurance company will pay for medical expenses to the other party. If you fail to have insurance, you could be liable to pay all medical costs filed by the other party. Property damage pays for...

Car Insurance Ogden

Purchasing car insurance is a simple process. With a few clicks and typing in some critical information, auto insurance providers can compete to provide you with policies tailor-made for you! To get the best car insurance rates online, use our simple car insurance tool and compare local rates and coverage. Follow our simple guide to buying car insurance online.

Gather Driver and Vehicle Information

For a car insurance provider to offer a fair quote, they will need some information from you, including but not limited to;

  • Drivers name, date of birth, social security number

  • Drivers license

  • Vehicle information number

  • Vehicle mileage

  • Registration information, including where the car is registered and who it is registered to

  • Prior insurance carrier information

  • Purchase date

  • Purpose of the vehicle

  • How the vehicle is stored (garage, outside, parking structure,...

Ogden Life Insurance

Purchasing life insurance is usually a quick and easy procedure, but this is not always the case for some people. If you are at risk for serious health problems, an insurance company could pass on your application. Anyone with a preexisting condition understands how stressful and frustrating it can be to have a medical condition and hope an insurance provider will take a risk and cover you. Use this guide to help you understand preexisting conditions and what you can do to show a life insurance provider you are worthy of coverage.

Preexisting Conditions

A preexisting condition occurs when you have a medical condition that you currently have or have dealt with in the past. Some preexisting conditions can impact how much you will pay for life insurance. The top 5 medical conditions that can increase insurance rates include;

  • Heart Disease

  • Cancer

  • Stroke

  • Alzheimer’s Disease

  • Respiratory Illness

When you apply for life insurance, the underwriting team needs to...


Flood insurance is not usually included in a standard homeowner’s insurance policy. If you live in a high-risk flood area, your homeowner’s policy may require you to obtain flood insurance. However, for individuals concerned about flooding, adding flood insurance can provide peace of mind.

No matter where you live, floods are a threat for homeowners. The Federal Emergency Management Agency (FEMA) provides flood maps to identify flood risk in your area. Although you may live in a “no-risk” zone, it is recommended to consider flood insurance if you have a mortgage. Why? Homes are vulnerable to flooding due to broken pipes, poor drainage, clogged gutters, damaged foundations, and old appliances. Keeping your home safe from internal flooding is essential as flooding can lead to over $30,000 in damages.

Types of Flood Insurance

There are two types of flood insurance, National Flood Insurance Program (NFIP) and Private Flood Insurance. The majority of individuals seeking to...


Motor vehicle accidents are the second leading cause of death for teenagers. With teen drivers being one of the riskiest drivers, insurance providers often increase rates by 130% or more when adding a teenage driver to your car insurance policy. If you have a teenage driver, here are some tips to add them to your auto insurance plan.

Call Your Auto Insurance Provider

A teenager will struggle to obtain an auto insurance policy without an adult. It is wise to add them to your existing car insurance plan as teens can end up paying more to insure themselves. We do recommend shopping around for a new auto insurance plan to see if you qualify for lower rates based on your driving history and discounts you may be missing.

Review Coverage

Another critical element to consider is what your insurance plan will cover. Price isn’t the only factor to review when looking at different plans. What does the insurance plan cover? You want to make sure...


If you have found yourself in the unfortunate position of needing to file a life insurance claim, Just Protect Insurance can help. We understand how difficult this time is and how stressful it can become when you aren’t sure if you’ll have enough money to pay for funeral costs and your future. We have created this guide to help you understand how to claim on a life insurance policy.

Contact Your Insurance Provider

Contact your life insurance provider to determine if you are a beneficiary of a life insurance policy and how to file a claim. Most insurance companies have a toll-free number to call to start the process, while some have secured online portals. If you do have an agent you have worked with directly, contact them first to speed up the claim process.

What Do You Need to File a Life Insurance Claim?

To submit the claim for life insurance, you must...


Life insurance is designed to provide financial stability for your loved one in the event of your death. Think for a moment what would happen to your family if you passed away unexpectedly, would they be able to afford to pay the monthly bills? Life insurance is designed to provide financial relief for your family. Considering the grief and difficulties facing your family following your untimely death, leaving behind a smart life insurance policy is one of the kindest, most loving things you can do for them.

How Does Life Insurance Work?

When you purchase a life insurance policy, you agree to pay the insurance provider a monthly premium in exchange for a specific amount of insurance coverage that will be payable to your family when you pass away. Your loved ones have financial support when you die, reducing the burden on them to pay for the current lifestyle you have been living. There are multiple types of life insurance, so how do you choose the right one for your needs? It depends on several things, including the amount of coverage you will...


Take a moment to walk around your apartment and evaluate how many assets you have and how much money you’ve invested in those assets. If you like your laptop, gaming device, couches, and other things, it's a wise idea to pay for renter’s insurance to replace those assets in the event of something serious like theft or fire. While the landlord often pays for insurance, it doesn’t cover the tenants. Landlords only pay for insurance to cover the structure, not the individuals and things inside.

What is Renter’s Insurance?

Renter’s insurance is designed to protect the renters and the possessions of the renter. Renters insurance will protect you from losing everything due to unforeseen circumstances. Without renters insurance, renters could encounter expensive costs to replace items that were stolen or damaged.

Landlord Insurance Coverage

Unfortunately, many renters do not understand what their landlord will cover in the event of an accident, theft, or damage. Landlords rarely provide any insurance coverage for...


Now that 2021 is here, many Americans are working on setting financial goals to save money and spend less. If you find yourself looking for ways to save money, look at your existing insurance policies. Just Protect Insurance focuses on providing quality insurance rates in your area, helping you compare insurance plans and save money. Use our insurance guide below to cut down on your insurance.

Tip # 1 - Pay Insurance Policies in Full

One of the best things you can do is take a look at your current policy to see how much you are paying and where you can reduce costs. Insurance companies commonly increase rates based on your age and risk level.

Some insurance companies reduce rates if you bundle your auto, home, and life insurance policy. Here are some things you can do to your existing insurance premiums to save money:

  • Pay your premium in full. Insurance companies charge a monthly fee but will reduce this rate if you pay your insurance policy in full or every six months.

  • Automatic...


If you are a renter, you need to purchase renters insurance! Why? The Department of Justice estimates that approximately 3.7 million homes are broken into each year, costing renters and homeowners billions. If you do not have renters insurance and your property is stolen, what are your rights? Does the landlord have a requirement to pay for your lost or damaged property? Renters insurance is a reasonably inexpensive way to cover your belongings in the event of a break-in or disaster.

Renters Insurance Will Cover Personal Property

Renter’s insurance plans will cover the cost to replace belongings if they are stolen or damaged, but they also protect your assets if you remove them from the property. What does this mean? If you have a laptop and take it with you on vacation and it is stolen, your renter’s insurance will cover it as part of the theft provision.

Inventory Your Belongings

When seeking renters insurance, it helps to have a catalog of your belongings. Evidence of belongings makes it easier to know...


Pets become a member of the family quickly. When your pet has a severe illness or ends up with a significant injury, you may find yourself in a challenging situation financially. Can you afford to pay for a $1,500 knee ligament surgery? Pet insurance is designed to help pet owners in such instances. Pet insurance will reimburse you for certain medical expenses, reducing the risk of paying for expensive medical costs. Uncertainty happens every day, and having pet insurance can be the lifesaver you need for your pet! Not all pet insurance policies are created equally; here are a few things to consider when shopping for pet insurance.

How Does Pet Insurance Work?

Pet insurance is designed to help pet owners save on veterinary costs related to injuries and illnesses. Pet insurance will require a monthly payment, averaging $30-$100 a month depending upon the pet’s breed and age. Dogs usually cost more to insure than cats. Unlike health insurance policies, pet insurance will reimburse you following your payment to the vet....


Reviewing your homeowner’s insurance policy must be done yearly to ensure you receive the best rates and proper coverage. Changes in your life circumstances must be addressed with the insurance provider to ensure your home and belongings are covered adequately. What does your current policy protect? Here are Just Protect Insurance’s Top 10 Questions to ask when you review your homeowner’s insurance policy.

  1. Does my policy cover replacement cost or actual cash value? What happens if your home is damaged? If you pay the out-of-pocket deductible, will it cover replacement or repairs? Actual cash value policies will include depreciation into the claim payout. What cash value means is you are required to pay the deductible in addition to some cash to restore the home to today’s market standards. Review your premium often to make sure it covers your home with today’s value, so you aren’t left paying more money if the house is damaged.

  2. Are my luxury...


Credit scores are used by lenders to determine a particular borrower’s risk factor, but did you know your credit score impacts your auto insurance, homeowner’s insurance, and life insurance premiums? A credit-based insurance score is different from a regular credit score as it’s designed to rate which policy risk category the insured individual meets.

Types of Credit Scores Used By Insurance Companies

Insurance companies weigh several factors when determining which policy and coverage limit to offer to someone seeking insurance. Insurance companies use FICO and LexisNexis scores to determine an insurance-based credit score. Credit-based insurance scores allow companies to assess the likelihood that someone will file insurance claims, costing the company more money than they would collect in monthly premiums.

Auto Insurance Premium Risk Factors

Auto insurance providers review credit reports in...


Homeowner’s insurance plans are designed to provide financial protection due to theft, accidents, and disasters. Natural disasters frequently occur, leaving many homeowners dealing with costly repairs due to fallen trees, hail damage, and more. If your home has recently incurred weather-related damage due to hail and wind storms, check your coverage to determine if it will help pay for the repair costs.

Roof Damage? What Will Homeowners Insurance Cover?

Homeowners insurance plans are broken into four coverage areas:

  1. Coverage for the structure - repair or replacement coverage due to natural disasters such as a hurricane, tornado, lightning, hail, and fire if these elements are listed in the policy. Standard policies do not include earthquake damage, flooding, and regular wear and tear.

  2. Coverage for personal belongings - replacement of furniture, clothing, and other belongings damaged or stolen. Trees and plants are covered as part of...


Are you getting the most value from your current auto insurance coverage? On average, auto insurance premiums can increase by 2%. How often do you review your auto insurance policy, and are your rates increasing without your knowledge? Use Just Protect Insurance auto insurance shopping tips to help you find the best coverage for an affordable price.

Tip # 1: How Much Do You Drive?

As you begin looking for auto insurance policies, you must take note of how often you drive. Understanding how far you drive daily, weekly, and monthly can make it easier to select a policy that reflects how often you use your car. There are mileage-based coverage options for individuals that do not drive frequently.

Tip # 2: What Type of Vehicle Do You Drive?

The type of vehicle you drive makes a difference in the auto insurance rates you will pay. Specific car makes and models are considered safer, qualifying them for lower rates. On the other hand, flashy sports cars cost more as they are at a higher risk for theft. Model or...