Home Owners Insurance > Utah

129 S. State St Suite 220
Clearfield, UT 84015
Phone - 801-774-3339 or 801-774-3325

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We are often asked what does my Home Owners insurance cover? The answer to that question depends on how your policy is written. You are either covered for “Named” causes of loss or “Special” causes of loss.

What is the difference?

- Named causes of loss are listed in your policy as the ONLY covered causes of loss. Anything that occurs not on that list is not covered.

- Special coverage protects you from EVERYTHING BUT a specified list of perils noted on the policy.

Named Causes of Loss

1 Fire or Lightning
2 Explosion
3 Windstorm or Hail
4 Riot or Civil Commotion
5 Aircraft
6 Vehicles
7 Smoke
8 Volcanic Eruption
9 Vandalism or Malicious Mischief
10 Theft
11 Falling Objects
12 Weight of Ice, Snow or Sleet
13 Accidental Discharge or Overflow
14 Rupture of Heating, Air Conditioning or Sprinkler Systems
15 Freezing
16 Sudden and Accidental Damage from Artificially Generated Electrical Current

Special Causes of Loss

Include coverage for the 16 Named causes of loss and other perils not listed. With Special coverage you are covered for almost any peril as long as it is not listed in your policy. Some of the exclusions are:

1 Ordinance or Law- expenses incurred as a result of any ordinance or law that regulates the construction or repair of property to meet applicable code.
2 Earth Movement
3 Water Damage caused by flood or water originating outside the dwelling
4 Power Failure
5 Neglect if at the time of loss further damage is sustained because the insured neglected to try to save or preserve the property from further damage
6 War
7 Nuclear Hazard
8 Intentional Loss
9 Freezing of plumbing unless the insured used reasonable care to prevent damage by maintaining heat or draining all systems and appliances.

Endorsements can be added to any policy to include coverage for some of the listed exclusions but they must be added at the time coverage is bound.

Special Note

Personal property such as collections or items that exceed the covered value listed in your policy for such items only have the coverage amount listed in the policy. For example: Jewelry and Guns, two very common items that can easily exceed the limits of coverage need to be scheduled individually on the policy for proper coverage.

Click Here for your FREE Utah Home Owners Insurance Quote!

Single Source Service
Utahhomeandautoinsurance.com offers multiple lines of coverage with the same insurance carrier.  You can have Home, Auto, Life, Recreational vehicles, Boats and Rental properties all on the same policy.  A single point of contact for all your insurance needs keeps it simple when requesting information on your coverage’s from your agent.

Commercial Insurance
You can have both your personal and business insurance coverage with the same agent.  Having an agent that understands your commercial and personal insurance needs is very advantageous.  This can help you avoid gaps in coverage as well as any overlaps.

Superior Claims Service
Our claims service responds promptly and fairly to assist you with the recovery process after a loss.  Local, in house adjusters instead of independent third parties maintain direct contact with you and your agent so all those involved are informed of the progress of the claim.

Annual Reviews
Each year you will receive a face to face meeting with your agent to review your insurance program.  You will discuss any life changes that have occurred are will occur and assess whether any updates need to be made.  Keeping your coverage tailored to your needs, and not the insurance companies.

Based in Layton, Utah, Utah Home & Auto Insurance.com provides auto insurance and other insurance servies to the following area is Utah:

Utah Home Owners Insurance Areas

Ogden (84401, 84402, 84403, 84404, 84405, 84408, 84414)
South Ogden (84404, 84405)
North Ogden (84414)
Harrisville (84414)
Plain City (84404)
Morgan (84050)
Brigham City (84302)
Roy (84067)
Clinton (84015)
Syracuse (84075)
Layton (84040, 84041)
Clearfield (84015, 84016)
Hooper (84315)
Sunset (84015)
West Point (84015)
Fruit Heights (84037)
West Haven (84401)
Taylor (84401)
Warren (84401)
West Warren (84401)

Click Here for your FREE Utah Home Owners Insurance Quote!