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Best Homeowners Insurance Agencies in West Valley City

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Advance Insurance logo
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Advance Insurance

426 East 3300 South, South Salt Lake, UT 84115
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  • Multiple Policy Types

Business Description

Advance Insurance is a homeowners insurance broker based in West Valley City. The company's agents help customers obtain basic homeowners policies that include general liability, dwelling damages due to fire, windstorms, and vandalism, and additional living expenses. In addition to standard homeowners policies, the agency offers extended replacement coverage plans that help cover costs of rebuilding in the event that a policyholder's home becomes unlivable following severe storm damage or fires.

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.
4.7
Facebook
4.1 / 5 (32)
Google
3.8 / 5 (11)

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
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Briceno Insurance logo
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Briceno Insurance

1601 W 3500 S, West Valley City, UT 84119
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  • Renter's Insurance
  • Personal Property Insurance

Business Description

Briceno Insurance is a team of five agents with an office in West Valley City. The insurance company assists clients in different areas including homeowners' insurance. The professionals create home insurance policies that protect clients' properties and personal belongings. Personal liability protection is also covered. The agents also insure mobile homes and renters. Briceno Insurance offers coverage options from various insurance providers such as Allied Insurance and Humana. The company has served over 1,200 clients in the last 12 years.

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.
4.0
Google
3.8 / 5 (80)
Facebook
5.0 / 5 (11)

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
Four Seasons Insurance Agency, Inc. logo
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Four Seasons Insurance Agency, Inc.

740 East 9000 South, Sandy, UT 84094
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  • Multiple Policy Types

Business Description

Four Seasons Insurance Agency Inc. is a family-owned independent agency that serves personal and commercial clients from two offices that cover the West Valley City and West Jordan areas. Its agents have many years of experience scanning the policies of major insurers, such as Progressive, to find the ones that suit their clients' coverage needs and budgets. Additionally, they carefully explain coverage limits to their clients and discuss appropriate add-ons the client might not have considered.

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.
4.7
Google
4.6 / 5 (471)
Facebook
5.0 / 5 (1)
Yelp
1.0 / 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
Garner Insurance Concepts logo
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Garner Insurance Concepts

506 South Main Street, Bountiful, UT 84010
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  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Garner Insurance Concepts is a family-owned agency that's been serving personal and business clients in the West Valley City area for more than 28 years. Its agents are independent, meaning that they can scan the home insurance policies of multiple carriers to find a selection for homeowners that offer different levels of coverage and a choice of premiums. Additionally, the agents can explain policies so their clients know what they're getting and discuss optional coverage, such as life 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 (2)

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
Juan Amoros - State Farm Insurance Agent logo
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Juan Amoros - State Farm Insurance Agent

965 East 900 South, Salt Lake City, UT 84105
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  • Personal Property Insurance

Business Description

Juan Amoros is a State Farm insurance agent with many years of experience assisting individuals in the West Valley City area who need home insurance. He can talk clients through the various levels of coverage, such as repairs to fire-damaged properties, and additional coverage, such as the replacement of personal items destroyed in a fire. Mr. Amoros can also assist with life, health, auto, and pet insurance. Much of his work involves assisting business clients.

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.
4.8
Google
4.8 / 5 (174)
Facebook
4.7 / 5 (26)

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
Key City Insurance logo
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Key City Insurance

3540 S 4000 West, Salt Lake City, UT 84120
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  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers

Business Description

Key City Insurance is a family insurance services provider founded in 1981 by Ron Thurman. The independent insurance company caters to the insurance needs of various clients residing in West Valley City and its surrounding areas. Individuals who need to protect their homes from accidents, disasters, and liabilities can apply for a homeowners' insurance policy. The company's insurance agents can assist them with replacing and repairing their properties when damages occur.

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.
4.4
Google
3.5 / 5 (41)
Facebook
5.0 / 5 (24)

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
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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.

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.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

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