Why All Homeowners Need Flood Insurance

When you own a home, you know how important it is to have home insurance. However, did you also know that you need flood insurance? It’s important to have both to make sure that you’re protected against disasters and other risks. If you don’t have flood insurance yet, we’re here to help. You can call us at M8 Insurance in Salt Lake City, UT, to find out more. 

Home and Flood Insurance

A common reason that homeowners skip getting flood insurance is that they believe their home insurance is enough to protect them against disasters. However, most home policies specifically exclude floods from their coverage. If a flood happened to someone without a flood insurance policy, they would be completely responsible for all the necessary repairs. This could even include rebuilding. Both home and flood policies are needed to keep you covered. 

Any Area Can Flood

It’s a common idea that you only need flood insurance if you live in an area that’s been classified as a flood zone. However, about 20% of flood claims come from areas outside these zones. That’s one out of every five claims. This is a significant number of homeowners who have flood damage outside of a flood zone. Flooding can happen to you even if you aren’t near a body of water. 

Floods Can Be Highly Expensive

Flood damage is some of the worst damage that a building can sustain. A flood can destroy a building and even wash it away. Even a minor flood can cause major damage. This means that every homeowner should never go without a flood policy to protect themselves financially. 

Get Your Flood Insurance Policy

When you need flood insurance, we can help. Call M8 Insurance in Salt Lake City, UT, to get started.

Endorsements Can Add Protections To Your Home Insurance

An endorsement, also known as a rider or add-on, modifies a standard home insurance policy to provide additional coverage or adjust existing coverage. There are many endorsements that you might consider adding to your home insurance policy. Here are just a few that we at M8 Insurance see many Salt Lake City, UT residents choose.

Scheduled Personal Property Endorsement

A scheduled personal property endorsement helps insure high-value items like jewelry, art, or collectibles. Standard home insurance often has limits on personal property coverage, which might not fully cover these expensive items. With a scheduled personal property endorsement, you can ensure that valuable possessions are adequately protected.

Flood Insurance Endorsement

A flood insurance endorsement can safeguard against water damage caused by flooding or other atypical water patterns, sometimes including mudslides. Standard policies typically exclude flood damage.

Sometimes, Salt Lake City, UT residents feel like flood insurance is unnecessary because they aren’t near a coast or the Salt Lake. Even small waterways, such as brooks and streams, can flood. 

Because streams can flood, the need for a flood endorsement is highly localized to your specific policy. We at M8 Insurance can help you check whether this is a protection you should add.

Home Business Coverage Endorsement

For homeowners running a business from their residence, a home business endorsement extends the coverage of a standard home insurance policy to include business-related equipment and liabilities. It’s an important consideration for a home-based business, as typical policies don’t cover business-related risks.

Add Protection With Endorsements

If you’re in Salt Lake City, contact us to see what endorsements you may want added to your home insurance. One of our agents will help you choose the protections that suit your situation.

When should you review your home insurance

If you are a homeowner, you realize how important home insurance is to your peace of mind. If you have a mortgage, you won’t have a choice; you will need to have home insurance. At M8 Insurance in Salt Lake City, UT, we are an independent insurance agency, meaning we work for our customers, not one insurance carrier. We offer more choices that allow us to find just the proper coverage. 


Every year when you renew your home insurance, you receive either a paper or a digital copy of your policy. The first page is the declaration page. This outlines your coverage clearly and concisely so that you can quickly look and see what you are paying for and what coverage you have. 

You can see the amount of liability coverage you have, the amount the physical building and outbuilding are insured for, and how much your content coverage is. Remember that the coverage for the physical building is not what you could sell it for; it doesn’t include your land; it is the cost to rebuild your house if it is lost. Check any riders that you have to your policy and also ensure you are getting any discounts you are eligible for. 


If you have made a major renovation to your home that has increased its value, it is essential to let your insurance agent know. Let your agent know if you have replaced your roof or installed a home security system. Let your agent know if you have installed a trampoline and acquired a dog. When you make changes to your home, it can affect the coverage you need. 

Contact M8 Insurance

If you live in or near Salt Lake City, UT, M8 Insurance provides the personalized service that customers demand. 

Is it time to protect your home with a flood insurance policy?

If you live in the greater Salt Lake City, UT area, turn to the team at M8 Insurance for all of your home insurance needs. We are here to help you with all types of insurance, including flood insurance policies. Want to learn more about how a supplemental flood policy can keep your home covered? Give us a call today! 

Benefits of flood insurance for SLC homeowners

Sometimes, knowing if flood insurance is necessary for your home can be difficult. Fortunately, many resources are available to help local homeowners with this decision. The main benefit of having a flood insurance policy is that it can fill any gaps in the primary homeowner’s policy.

Flood water damage is a loss not typically covered by a primary home insurance policy. Because of this, residents can find themselves having to take on more financial liability than they would like. Having a flood policy can help to remove that liability.

With a flood policy in place, there is more protection in place for the homeowner. This is especially beneficial if severe damage occurs due to flooding. Anyone who has experienced flood damage before understands the time, money, and stress that can come with remediation of the situation. Why not find out more today about how flood insurance can help protect homeowners now and in the future? 

Call us today with any questions that you may have!

M8 Insurance is proud to serve the insurance needs of the greater Salt Lake City, UT community. Give us a call if you think it may be time to add flood insurance to your homeowner’s policy. We are here to answer any questions that you may have.

Why should I get a home insurance plan for my home in Utah?

Owning a home continues to be a great housing option and decision for anyone that is in the Salt Lake City, UT area. If you would like to purchase a property when in this area of the state, it is also important that you have it fully insured. There are a few reasons why you should get a proper home insurance plan for your Utah property. 

Insurance Protects Assets

An important advantage of having a home insurance plan when you are in this area of Utah is that it can protect your assets. If you are going to buy a property, it will be a major purchase and investment that you will want to enjoy over a long period of time. If you do not have insurance, you are at risk that your home could be damaged, and you will not have the resources to repair it. With home insurance, you will have the support that you need.

Insurance Offers Liability Protection

A property owner will also enjoy the liability protection that they receive. As a property owner, you are going to take on liability risk at all times. If there is an accident that occurs on your property, you may be held responsible for damages. With proper insurance, you will have the support needed to manage these claims. 

Those that are going to buy a home in the Salt Lake City, UT area should get proper insurance for their home. If you are going to purchase a home, speaking with M8 Insurance about your insurance needs is quite important. When you work with M8 Insurance, the team can help you assess your insurance needs and options. This support will help you choose a plan that is ideal for your situation. 

Protecting Your Home with Home Insurance

Buying and moving into a new home can be an overwhelming experience.  One easy task that will give you peace of mind is protecting it with home insurance.  When most homeowners think about insurance, they first think of the potential for fire or severe weather damage.  The truth is, a homeowner’s policy goes beyond that. In the Salt Lake City, UT area, the agents at M8 Insurance work with homeowners to put the right coverage in place. 

Protecting your home with insurance is also financial protection.  The policy will cover the home but also everything inside of it.  This includes furniture, clothing, housewares, and electronics, for instance.  Not only does the policy cover items in the home but also when they are damaged or stolen outside of the home.  For example, if your son’s laptop is stolen at the library, it is still covered.  The liability coverage in the policy will provide for the medical expenses and legal fees of anyone injured on the property due to your negligence.  Without liability coverage, the outcome could be financially devastating. 

Any structures on the property will also be covered.  Storage sheds, gazebos, and fences, for example, are protected.  Understand though, while this is a lot of coverage, the policy won’t cover flood damage.  It will cover water damage from a broken pipe but not from a natural disaster.  Your agent can help you understand your home’s flood risk.

In the Salt Lake City, UT area, our agents at M8 Insurance can help you address your home coverage needs.  Get started by perusing the information on our website.  Then contact us for more information.  We’ll provide you with the best options so that you can make an informed decision.  A new home is the result of your hard work.  Make sure it’s protected!  Call today!

4 Questions About Home Insurance

When you buy a home in the Salt Lake City, UT area, you’ll want to insure it the right way. Many homes have to be insured because the mortgage company requires it, but even if you don’t have a mortgage, it’s still generally a good idea to have insurance on your home. At M8 Insurance, our agents can help you choose the home insurance coverage that’s right for your needs. Here are four questions you may want to ask about home insurance, to make sure you’re getting the best coverage for your specific situation. Asking the right questions can help add to your peace of mind.

  1. How do you know how much coverage you should get?
  2. What are the different levels of homeowners insurance coverage?
  3. Are there important exclusions that you should know about?
  4. How often should you look over your policy and potentially update it?

It’s important to be an informed consumer, and when you own a home having knowledge of how to care for it properly is even more significant. You don’t want to make mistakes with the level of protection you have on your home. Instead, working with an agent can help reduce your risk.

At M8 Insurance, we can work with you to make sure your Salt Lake City, UT home is covered thoroughly and properly, without giving you a lot of coverage you may not need or want. Reach out to us today, and let us help you get the peace of mind and strong insurance protection you’re looking for. Whether you’re buying a new home or you just want to protect the one you have, we can meet your needs. Speak with one of our agents to get a quote and learn how you can get started on a policy. Also, try our online rating tool to get quotes from home on a home insurance policy.

What Homeowners in the U.S. Need to Know about Home Insurance

There are a lot of home insurance options available to home owner’s located all around the United States and finding the right one for your needs can be confusing. M8 Insurance is here to provide the necessary assistance in researching the available policies and working with you to ensure that you and your family have the insurance coverage that you require. M8 Insurance in Salt Lake City, UT is proud to serve the great people of the U.S.!

What type of coverage do you need?

When choosing home insurance, be sure to consider your belongings. In addition to the exterior structure of your home and any outbuildings, you will want coverage for damage to any of your belongings that may occur during a catastrophic event. Your agent can also discuss options such as coverage of periods of displacement if damage causes your home to become uninhabitable. Working with one of the M8 agents will help you to get the coverage your family needs.

Do you need a rider with your policy?

Many insurance policies have a limit on the amount of coverage they will provide for one item, such as a piece of jewelry or fine art. Your agent can go through your inventory with you to help you determine if a personal articles rider is required. Other items that may need their own rider are items such as diamonds, expensive electronics, and elaborate sporting equipment, to name a few.

Please give M8 Insurance in Salt Lake City, UT a call today, or even better, stop by and talk with one of our helpful agents. We want you to have the peace of mind that comes with knowing you and your family are covered!