Many people who rent their homes are under the false premise that their landlord’s insurance covers their personal belongings and any purchased appliances or furniture. This is not the case. Renters insurance is necessary for all people who rent an apartment, house, mobile home, or any other dwelling. The agents at M8 Insurance serving the Salt Lake City, UT area are touting the importance of renters insurance and what it covers.

What Does Renter’s Insurance Cover?

You never know when tragedy is going to strike, so you must be prepared at all times. With renters insurance in place, if your home catches on fire and you lose everything you own, your renter’s insurance will help you pick up the pieces to start over again. Your renter’s insurance policy will assist you with purchasing new furniture, appliances, and personal belongings so that you can get back on your feet sooner rather than later. This also applies if your home is damaged or destroyed by a natural disaster, such as a tornado or hurricane. If someone vandalizes your residence, your renter’s insurance can help you replace damaged items. Also, if your home is burglarized, your renter’s insurance can help you recoup some of what was stolen.

Contact Us

To create a renters insurance policy that works well for you and your situation, you should contact the experienced and trustworthy renters insurance agents at M8 Insurance serving the Salt Lake City, UT area. Call today for a quote and an appointment to start your renter’s insurance policy, so you can have peace of mind!

We all know that most states require specific types of auto insurance, but there are some things that not everyone realizes when it comes to coverage. There are only so many things that auto insurance covers. Because of this, other types of insurance exist for other types of vehicles, such as trucks, classic cars, and recreational vehicles. Today, we are here to talk about how recreational vehicle or RV insurance differs from auto insurance.

How are they similar?

Before we dive into the differences, let’s first look at how both types of insurance are similar. They both have liability insurance. Liability insurance is included in the majority of types of insurance. Depending on the type of insurance you need, there are some differences in what it covers and how much coverage you have. Both have comprehensive and collision coverage. Again, there are differences in the amount of coverage between RV and auto insurance.

How are they different?

Now that we have discussed how auto and RV insurance are similar, we will discuss their differences. RV insurance typically has higher liability thresholds than auto insurance due to the extra costs and responsibility of owning an RV. Since they are more significant than the standard vehicles that drive on the road, they can cause more damage to other cars or property. Another difference is that RV coverage can be suspended or paused during the off-season when the RV is just sitting there in storage.

Contact us

For more information about RV insurance policies, you can stop by or contact us at M8 Insurance in Salt Lake City, UT.

Owning a classic motorcycle is a unique experience in Salt Lake City, UT. Not only are you taking care of a piece of history, but there’s also a certain pride in owning and riding one of these amazing machines. But what happens when something goes wrong? Does classic motorcycle insurance exist? In this post, M8 Insurance explains.

What Is Classic Motorcycle Insurance? 

Classic motorcycle insurance is designed for owners of "classic" motorcycles, which usually means older models that are no longer in production or have been customized significantly from their original state. This type of insurance typically covers parts and labor related to the repair or replacement of your bike and any legal fees associated with an accident. It also provides coverage for damage caused by vandalism, fire, theft, or other natural disasters. 

Do I Need Specialized Coverage for My Classic Motorcycle? 

It depends on your specific circumstances and needs. Generally speaking, however, if you own a classic motorcycle, specialized coverage may be beneficial because standard policies don’t usually cover antique or vintage models that require more specialized parts or labor for repairs or replacements. Additionally, standard policies may not provide enough coverage for damage caused by vandalism or theft—which could be very costly if left uncovered. 

Whether you’re an experienced rider looking to insure an older model bike or simply someone who loves classic motorcycles and wants to protect their investment, finding the right kind of insurance can make all the difference when it comes time to make repairs or replace parts due to an accident or other unforeseen circumstance. If you live in Salt Lake City, UT, and own a classic motorcycle, contact M8 Insurance today! We’ll get you set up with the right insurance policy.

When it comes to spending time on the water, boating safety classes are a must. These classes cover everything from basic safety procedures to how to handle specific emergencies. You can find boating safety classes through many organizations, including state parks and the Coast Guard Auxiliary. Completing a class is the best way to ensure that you and your loved ones stay safe while enjoying the water.

A typical boating safety course will cover topics like how to identify and avoid dangerous weather conditions, properly use safety equipment, and what to do in an emergency. In addition, many courses offer hands-on training in things like using flares and lifejackets. By completing a boating safety course, you can be confident that you are prepared for any situation that might arise while boating.

The best place to start looking for boating safety classes is your state park system. Many states offer classes through their parks, and the instruction is typically provided by experienced boaters or members of the Coast Guard Auxiliary. You can also find boating safety courses through the Coast Guard Auxiliary, which offers nationwide classes. To find a class near you, visit the Coast Guard Auxiliary website or search for it on your favorite search engine.

For more boating safety tips or information about getting your boat insurance, give us at M8 Insurance a call. We proudly serve the Salt Lake City, UT area and love to talk about all things boats with boat owners. We can help you stay safe and secure while you enjoy your boat with your family and friends.

It’s good to have additional liability coverage. You never know when those huge liability claims come knocking. Umbrella insurance is that extra or excess liability that protects you when your standard policies run out. Thinking about umbrella insurance in Salt Lake City, UT? You are on the right track. If you purchase umbrella insurance from M8 Insurance, you enjoy numerous benefits, including:

• Protection of assets: When you cause significant bodily or property damage during an accident, your standard home or auto may deplete, leaving you with huge expenses. As a result, you may let go of some of your assets to settle the liability claim. However, when you have umbrella insurance, it covers you against such incidences, keeping your assets intact.
• The flexibility of coverage options: Umbrella insurance allows you to scale up or down your needs based on your other standard insurance options. For example, conventional insurance may not cover personal liability claims like false arrest, libel, or slander. Umbrella insurance will protect you from such claims.
• It’s affordable: Many people fail to buy umbrella insurance because of the misconception that it’s costly. Surprisingly, umbrella insurance is super-affordable since it comes when the underlying liability coverage is exhausted.
• It gives peace of mind: Nothing is as good as living life with no fear. Umbrella insurance offers that tranquility, knowing the policy got you in case you are entangled in costly lawsuits.

Umbrella insurance in Utah

Umbrella insurance is a policy to seal the gaps that may crumble you in case of costly liability claims. If you live in Salt Lake City, UT, and its environs and want to enjoy the above benefits, reach out to us at M8 Insurance for a quote.

Condo insurance is a must for anyone who owns a condo. It offers several types of coverage that are each important. You face many risks as a condo owner, and having condo insurance can help you mitigate many of those risks. As soon as you buy a condo, be sure to get condo insurance for the property. If you don’t have condo insurance yet in Salt Lake City, UT, call us at M8 Insurance to get started. 

Condo Protection

Some of the most important coverage that comes from a condo policy is the coverage that protects the condo itself. When a damaging incident happens to your condos, such as specific disasters or certain accidents, it can cause costly damage. Without condo coverage, you may struggle to be able to pay for the repairs you need. However, the policy will pay for those repairs when you have condo insurance, minus your insurance deductible. This coverage is vital to every condo owner and can save you thousands or even more in repair bills. 

Protection for Your Possessions

The items that you have inside your condo are important to you, and they were expensive to acquire. It’s essential to have condo insurance because it protects what you own. Anything inside your home can be covered, and if an event destroys them, the policy can help you replace them. This coverage may not be something you think a lot about, but it’s important to have it in case of a disaster or other damaging event. Don’t go without the coverage because replacing all of your belongings can be extremely expensive. 

Cover Your Condo

When you own a condo, you must always have condo insurance. In Salt Lake City, UT, call us at M8 Insurance to get it.

When it comes time to choose commercial insurance, there are a lot of factors to consider. What type of business do you have? What are the risks associated with your industry? How much coverage do you need?

These are all critical questions that need to be answered before purchasing insurance. This blog post will discuss tips for choosing commercial insurance to help you find the right policy for your business.

1. Know Your Business

The first step in choosing commercial insurance is to know your business. What type of business do you have in Salt Lake City, UT? What are the risks associated with your industry? This information will help you determine the kind and coverage you need.

For example, if you have a business that involves a lot of physical activity, you’ll need to ensure liability coverage in case someone is injured. If your business is based online, you’ll need data breach coverage if your customer’s information is compromised.

2. Determine the Coverage You Need

Once you know the risks associated with your business, you can determine the coverage you need. This will vary depending on the size and type of your business. For example, a small business will need less coverage than a large corporation. A manufacturing company will require different coverage than a service-based business.

3. Get Quotes from Multiple Insurance Companies

Once you know the coverage you need, you can start shopping around for insurance policies. It’s essential to get quotes from multiple insurance companies, such as M8 Insurance, to compare rates and coverage. Be sure to read the fine print to understand what is and is not covered by each policy.

4. Choose the Right Insurance Company

Choosing the right insurance company is just as important as selecting the right policy. You want to ensure you’re working with a reputable company that will be there when you need them. Research each insurance company before making a decision.

Conclusion

Choosing commercial insurance can be daunting, but ensuring you have the right coverage for your business is essential. You can find the right policy for your business by following these tips. M8 Insurance in Salt Lake City, UT will help you find the perfect policy for your business.

M8 Insurance is here to provide the greater Salt Lake City, UT community with all of its insurance needs. This includes renter’s insurance, which is a type of coverage that can be overlooked. We can help you find the right policy for your needs. Give us a call or stop by.

Why you need renter’s insurance

The main reason you need renter’s insurance is to protect your personal articles and belongings. This will make your life easier if you suffer a covered event like a fire, robbery, or water damage. Without renter’s insurance, you can be financially responsible for replacing all your lost or damaged items. This can be a serious burden, especially for people who are just getting started. 

While your landlord’s insurance won’t protect you or your items, it’s not difficult to obtain your own insurance protection. This can be as simple as a basic policy that you pay for monthly. Or, you can opt for a more robust policy that you pay annually. Whatever works best for your budget, it’s important to find some type of insurance policy protection.

Don’t think that you don’t need a renter’s policy. There are more reasons to have a policy than not to. Your decision can make a massive difference to your financial health and future. When you have to rebuild your life from scratch, it can put you behind for many years to come.  

Find out more today!

If you are a renter in the Salt Lake City, UT metro area, count on M8 Insurance for your renter’s policy. We can help you find the policy that best meets your needs and enables you to protect your home and belongings. Please stop by our office or give us a call today! 

Do renters need insurance in Salt Lake City, UT? The answer is a resounding "yes!" If you’re a renter in Utah, it’s vital to have renter’s insurance. Here are four reasons:

1. Your Belongings are at Risk

If you don’t have renter’s insurance and something happens to your belongings, like a fire, theft, or vandalism, you’ll have to replace them yourself. And, if you don’t have the money to do so, you’ll be stuck without your stuff.

2. Your Landlord’s Insurance Won’t Cover Your Belongings

Even if your landlord has insurance, it likely doesn’t cover your belongings. So, if something happens to them, you’re out of luck. Your M8 Insurance agent can help you find a policy to protect your possessions.

3. You Could be Responsible for Injuries to Others

If someone gets hurt in your apartment, they could hold you liable. And, if you don’t have renter’s insurance, you’ll have to pay for any damages out of pocket. Another reason to have renter’s insurance is to cover your legal fees if someone sues you.

4. Temporary Housing Costs

If you have to move out of your apartment while professionals restore it to its previous condition, your renter’s insurance may cover the cost of temporary housing. Help with these expenses can be a lifesaver if you’re not prepared to pay for a hotel out of pocket. Don’t assume your landlord’s insurance will cover you in case of an emergency-get renter’s.

Renter’s insurance is vital for anyone renting an apartment in Salt Lake City. UT. It can protect your belongings in case of a fire, theft, or vandalism, and it can also cover your legal fees if someone sues you. Get a policy from your M8 Insurance agent today.

If you own or drive an RV in Utah, then you are required to have insurance. Utah requires that RV owners carry the below minimum insurance requirements:

• $25,000 per person for bodily injury liability
• $65,000 for two or more persons for bodily injury liability
• $15,000 for property damage liability

Given that these minimums are the same for general auto insurance, most RV owners will want to purchase additional coverage given the expected damage that an RV could cause in an accident. Utah RV insurance policies typically include coverage for liability, comprehensive, and collision with the latter two having a deductible associated with them that must be exhausted before your insurance benefits kick in. Additionally, you’ll have the ability to customize your RV insurance with optional coverages for things like vacation or campsite liability, emergency expense coverage, and roadside assistance. 

The cost of RV insurance varies greatly depending on your driving record, demographics, and location. Additionally, the type, class, make, and model of your RV dictate the premium cost. Since an accident involving an RV is likely to cause more damage than a vehicle accident, you can expect RV insurance to cost more than your auto policy. 

For more information on RV insurance and to purchase a policy, let the team at M8 Insurance in Salt Lake City, UT earn your business. With our commitment to putting our customers first, we strive to deliver excellent service with transparent conversation. Give us a call today or visit our website to schedule a no obligation consultation with a member of our team. We can’t wait to help you with all your RV insurance needs.