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Hometown Insurance Agency of Utah Blog

All You Ever Wanted to Know About Insurance

Garden hose gone wild!

We recently worked with a client who was shopping around for insurance.

We recently worked with a client who was shopping around for insurance.  When Hometown Insurance Agency of Utah ran her quote, she got quite the surprise.  Our client had a prior incident with a garden hose leak which caused damage to her patio.  So she did what we all would do; she called the insurance company and asked  them to send an adjuster.  The adjuster arrived and told her the estimate.  Her deductible was about the same cost as the estimate. She chose not to pursue the claim, and paid the repair cost out of pocket without utilizing her insurance.

Here's where things went sideways... because she called her insurance, a insurance claim was noted on her record (as unpaid).  Had she let her policy auto-renew without shopping around, she would have had an increase in her premium. The claim will stay on her insurance profile and followed her for the next 5 years.  No matter what insurance company she used, that claim will affect her insurance premium costs.

Jill at Hometown Insurance Agency of Utah found this insurance claim, did some research, and found an insurance company that could understand a "no payout" insurance claim and offer a reasonable quote.  Jill re-quoted her home and auto insurance policies, and saved her over $500.00 a year.  This situation is a perfect example of what we do when you are renewing or looking for a lower premium. Always shop around, find an insurance agent who cares about you and takes time to help you with insurance issues. Even if you end up staying with your current insurance company, you will have the peace of mind knowing that you are getting the best insurance policy at the best price.

Side note, Hometown Insurance Agency of Utah saved our client money and increased her coverage to properly insure her and her belongings as they should be. It is important to review your insurance policies at least once per year to make sure you are and your property are insured properly. We've seen too many cases where the homes are under insured, the personal property is under insured, the other structures are under insured and the loss of use is under insured. These types of coverage are very important should you have a house fire and be displaced for a period of time and have to rebuild your home and purchase all new belongings. If you don't have enough insurance coverage to rebuild and purchase new items you'll have to come up with the difference on your own. Don't let yourself be under insured, have a licensed insurance agency/agent review your policies today.

Hometown Insurance Agency of Utah prides itself in helping others, not only save money on their home, auto other types of insurance but to also make sure you are properly covered and that you have answers to your questions. We want to make sure that our clients are our friends and friends become family! We care about you as much as we care about our family! We want to make sure you are protected should something happen and that you understand your insurance policies and what they include. Hometown Insurance is about insuring what matters! And if needed, we can make a house call. We have clients with small children and elderly clients that feel better about meeting in person at their home and if that what it takes to help them out, then that's what we'll do. We've traveled from Preston, Idaho to Layton, Utah to make a house call when needed, some we've even delivered homemade cookies to! Like we said, our clients become our family and that's what makes Hometown Insurance Agency of Utah special!

We care about you and we care about our community. We are members of the Cache Chamber of Commerce and the Women's Council of Realtors Cache Valley, we volunteer as Ambassadors for the Cache Chamber Commerce, The Center for Entrepreneurship and the Jon M. Huntsman School of Business/Utah State University, we sponsor many community events (Nibley, Richmond, Smithfield, Hyrum) where we have free games and prizes, we hand out candy in local parades in Nibley, Utah and Hyrum, Utah. We love being part of our Cache Valley Community!

We don't sell insurance, we provide the right insurance policies.

Take a minute, give us a call and we will shop all our providers for you and at the very least you will have a second opinion to consider.

If you have insurance questions, need a review of your current insurance policies or would like a free insurance quote, please contact us at 435-754-7701! We are your hometown raised, hometown trusted, hometown insurance agency. We are Hometown Insurance Agency of Utah.

180 North Main Ste C

Logan, UT 84321


Email: jill [at] hometowninsr [dot] com


** not liable for any misinterpretation of coverage or law