Best Homeowners Insurance Agencies in Provo

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.
  

• Which types of home damage in Provo are covered under acts of nature?

  There are several types of home damage that insurance companies classify as acts of nature or acts of God, including damage or loss from fire, flood, earthquake, lightning, tornadoes, and hurricanes. Theft, vandalism, and civil unrest are also usually listed as acts of God. Most standard home insurance policies in Provo offer coverage for these risks, but policyholders should check with their insurers to see if they need additional protection.

• Should people in Provo purchase renters' insurance?

  Yes. People in Provo who rent a house, condo, or apartment should consider purchasing renters' insurance to make sure that they are protected from unexpected incidents. Renters must also remember that landlords likely only have policies for the structure and not the renters' personal belongings. Renters' insurance provides financial assistance to the policyholder in case a visitor is injured while on the property and takes legal action.

• Can a homeowners' insurance policy pay for temporary living expenses in Provo?

  Yes. Most standard homeowners' insurance plans in Provo include coverage for temporary living expenses if they are forced to leave their house during repairs. Home insurance also typically pays for the complete repair or replacement of damaged belongings and property, depending on the circumstances. Some policies help individuals pay for accidents that affect their neighbors.

• Are swimming pools covered under homeowners' insurance in Provo?

  Yes. Swimming pools are generally covered under homeowners' insurance policies in Provo. Insurance companies differentiate an in-ground pool from an above-ground pool in terms of coverage. In-ground pools are considered part of the covered structures of the homeowners' policy, while above-ground pools are generally classified as a piece of the property and not an additional structure.

• Does homeowners' insurance offer coverage for dog bites in Provo?

  Yes. If the homeowner's dog bites someone while on the property, their home insurance policy may help pay for damages. A typical home insurance plan in Provo includes personal liability and medical payment to others, which means it could help the policyholder in the event a person is injured due to a dog bite while on the property.

• 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.