Personal Insurance Services SLC Utah


Homeowners Insurance is needed to ensure the security of your finances and the safety of your family in the event of an accident at home. As a property owner, you may be held fully responsible for injuries to others that occur due to hazardous conditions. In the event of serious injuries, including casualties, you may be responsible for paying large medical bills and even court cases, if you are sued.


Homeowners Insurance protects you in a variety of situations, including:

Claims for property damage
Claims for injury to others (either on or off the premises)
Liability defense costs

Medical expenses for injuries to others


Personal Auto Insurance covers private passenger vehicles and provides protection against economic loss to you from bodily injury or property damage to others (liability) arising from the operation, maintenance, or use of a covered automobile.


Personal Auto Insurance offers a variety of coverage and additional protection options, such as:

  • Liability Coverage
    • Bodily Injury Liability – helps pay for the costs associated with another person’s injuries, including medical expenses, loss of income, and pain and suffering.
    • Property Damage Liability – takes care of any expenses that arise from damage caused by you to another driver’s vehicle or property.
  • Comprehensive Coverage
    • Insures your vehicle and equipment against damage and expenses that result from something other than a collision, including:
      • Theft or Larceny
      • Vandalism and Glass Breakage
      • Fire Damage
      • Hail, Water, or Flood Damage
      • Hitting a Deer or Other Animal
      • Damage from Falling or Flying Objects
    • Collision Coverage
      • Insures your vehicle and equipment against damages and expenses that result from a collision, whether the damage is a result of an accident with another vehicle or object.
    • Uninsured & Underinsured Motorist Coverage
      • Provides compensation for which you are entitled in the event you are involved in an accident where the driver at fault does not have adequate liability to pay for your injuries and damages – in regards to you, your passengers, and your vehicle,
    • Rental Reimbursement
      • Provides for the expense of renting a substitute vehicle while yours is being repaired or replaced if your vehicle is left out of commission after an accident or theft.
    • Personal Injury Protection (PIP)
      • Help pay for the treatment of you and your family members should someone get injured as a passenger or pedestrian. PIP also extends to cover expenses beyond medical bills, such as loss of wages or services, and in some cases, funeral costs. Personal Injury can also extend to take care of your passengers’ bills.
    • Roadside Assistance & Towing


Landlords Insurance, or Dwelling Fire Insurance, protects you, as the owner of a rental apartment, home, condo, or other rental property, in the event that your investment is damaged.


A Landlord Insurance Policy provides various coverage options, including:

Damage to your property or other attached structures from a fire, natural disaster, or other peril, including damage caused by tenants
Expenses you may be legally obligated to pay for the property damage or medical payments in the event of injury
Legal counsel and fees in the event of a related lawsuit
Additional expenses to make up for lost income if your property needs to be repaired through loss of use

Renters Insurance

Renters Insurance, or Tenants Insurance, can pay for the cost of replacing your belongings if they are damaged due to fire or vandalism, or if they are stolen. If you rent an apartment, house, condo, or even a dorm room, it’s unlikely that your landlord will pay to replace your belongings.


In the event that a fire or other damage makes your residence uninhabitable and places you in a “loss of use” situation, your Renters Insurance may temporarily reimburse you for the cost of another residence in which to live.


A Renters Insurance policy offers various coverage options, including:

Actual Cash Value (ACV) – your belongings are insured only for the amount in which they are currently worth
Replacement Cost – pays for the expense of replacing the items with brand new ones.
Liability Coverage – safeguards yourself from injury claims that occur in your home.

  • If someone gets hurt on your property, your insurance can pay the related medical payments and expenses, and provide for the cost of legal support if you are sued.

Condominium Insurance

Condominium Insurance can extend your protection past that of what your condo community provides. Since a condo is a special kind of residence, it requires its own type of insurance policy. It helps pay for the replacement of your personal belongings while offering basic liability to cover bodily injury or property damage.


Unlike Renters Insurance, Condo Insurance covers any damage done to the interior of your unit. For any interior damage, your insurance may be used to pay for the expense of fixing or replacing items like drywall, flooring, light fixtures, and more.


A Condominium Insurance policy includes other great features, including:

Guest Medical Protection – pays for the medical expenses of friends and visitors who are injured on your property.

Medical expenses for injuries to others.

Personal Umbrella

Personal Umbrella Liability works to give you additional protection when damages exceed the liability coverage of your standard policies. In the event of a catastrophic financial event, having Personal Umbrella Insurance will protect your home, car, future wages, and all of your priceless assets from being used to pay expenses. It also offers extra security for many situations that may not be included in your basic insurance.

Personal Umbrella Insurance can be applied to events such as:

Car Accidents
Accidental injuries on your property
Accidents involving your boat, ATV, or other recreational vehicles
Golf Course Injuries
Defense fees and other legal costs
Personal Injury Coverage for claims of libel, slander, and more

Recreational Vehicles

Protection from excessive out-of-pocket costs in the event of a loss or if you are at fault in an accident that causes bodily injury or property damage.

It can also provide compensation for your costs if you have a roadside breakdown.

Specialty Auto

Specialty Auto Insurance provides the same types of coverages as in the standard auto insurance policies, with a few extra benefits unique to your specialty vehicles.


These policies can be purchased for a number of vehicles, including:

Hot Rods & Modified Vehicles
Antique and Classic Cars
Custom-Built Cars
Race Cars
Show Cars

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