Expertise.com

Best Homeowners Insurance Agencies in Layton

2024

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Providers

Last updated:

Website
778 East 700 South, Clearfield, UT 84015
  • Renter's Insurance
  • Multiple Policy Types
  • Flood
  • Fire

Why choose this provider?

The Bon Agency Insurance is a locally-owned insurance company servicing Layton residents. It offers homeowners' insurance coverage that covers any type of risks associated with owning a home. The insurance policy covers a wide range of options, like personal property, personal injury, and property damage. The coverage encompasses broad factors of protection to choose from, whether it's due to damage from a fire or paying off the mortgage. The company also offers umbrella and renters' insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (13)
Facebook
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
262 North University Avenue, Farmington, UT 84025
  • Multiple Policy Types

Why choose this provider?

Choice Plus Insurance is an independent agency providing a range of homeowners insurance options for its clients. The company's licensed agents network with multiple carriers to help ensure individuals receive the appropriate coverage at the most competitive rates. They evaluate personal needs, including the replacement value of the structure as well as all personal possessions, including jewelry, firearms, hobby equipment, and appliances. Choice Plus Insurance offers separate earthquake and flood insurance plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (9)
Google
5.0 / 5 (2)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
670 East 700 South, Clearfield, UT 84015
  • Multiple Policy Types

Why choose this provider?

Mark Wayment of State Farm Homeowners Insurance has been handling financial services for clients in Layton for three decades. Providing protection plans that cover valuable items, damages from fire, vandalism, or electrical accidents, he offers a host of insurance products. After graduating from Weber State University, he acquired LUTCF designation and became a qualifier for the Life Honor Club and Legion of Honor. He is also a member of the National Association of Insurance & Financial Advisors.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
930 South State Street, Clearfield, UT 84015
  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Why choose this provider?

Stanger Insurance offers property damage coverage to clients in Layton. Its policies cover common natural disasters, including lighting, hail, snow, and windstorms, as well as instances of fire, theft, vandalism. It also offers policies that cover vehicular or aircraft collisions, volcanic eruptions, and backed-up sewage or drains. Stanger also offers coverage for select personal belongings, dwelling replacement in case of complete loss, liability protection, and medical expense for parties injured within a client's premises.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (41)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1992 Antelope Drive, Layton, UT 84041
  • Multiple Policy Types

Why choose this provider?

Taylor & Walker Insurance Group works with a variety of carriers to provide homeowners with insurance options. The company's licensed agents evaluate individual needs to create a personalized package with the appropriate coverage. They assess replacement values for the structure as well as personal contents, including jewelry, cameras, electronics, and appliances. Taylor & Walker Insurance Group provides standard homeowners insurance for coverage against damage from wind and theft or vandalism as well as liability protection in the event of injuries.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • How can residents of Layton verify the legitimacy of an insurance agent's license?

    Residents in Layton can confirm the legitimacy of an insurance agent by requesting their license information and cross-referencing it with the Licensee Search tool on the Utah Insurance Department's website. Those interested in learning more can contact the Property Casualty Division by phone or email. The public can review information about the agent's licensing duration, permitted insurance sales, disciplinary actions, and affiliated companies.

  • How are smart home devices affecting homeowners' insurance in Layton?

    Smart home devices are revolutionizing homeowners' insurance in Layton. Integrating IoT (Internet of Things) devices, such as thermostats and smoke detectors, allows insurers to access real-time data, refining risk assessments and tailoring coverage. Homeowners who use these technologies not only gain better control over their homes' security, but they may also qualify for insurance discounts. This shift encourages proactive damage prevention and provides residents with options for both safety and economic insurance.

  • Why do Layton homeowners' insurance providers consider the proximity of a fire hydrant in their policy premiums?

    Insurance companies in Layton use a variety of factors to determine policy rates. Immediate access to water, as indicated by a nearby fire hydrant, in conjunction with efficient local fire and police services, can reduce the risk of extensive fire or lightning damage. Rural homes located far from water sources frequently face higher premiums due to increased damage risks. Additionally, home material and statewide lawsuit patterns can have an impact on insurance costs.

  • For Layton residents who are working from home, are their business inventory and equipment covered under homeowners' insurance?

    Homeowners' insurance generally covers business inventory and equipment for Layton's home-based workers, but there are financial limits on compensation. Such assets are classified as personal property for business use. Regardless of the size of your business, determining whether the personal property limits correspond to your investments, particularly in specialized equipment, is critical to ensuring optimal coverage.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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