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.

If you ride a bike, you know safety is the highest priority while on the road. And motorcycle insurance is that safety net. You have many questions while searching for the right and reliable motorcycle insurance, especially one that fits your lifestyle. At M8 insurance of Salt Lake City, UT, we help answer all the critical questions and advice on the right policy for your motorcycle. That said, let’s answer some frequently asked questions about motorcycle insurance.

What does motorcycle insurance cover?

Standard motorcycle insurance will have liability damage that is bodily injury or property damage to a third party. However, motorcycle insurance has other coverages available depending on your need. There are comprehensive, medical, uninsured, or underinsured coverages and much more.

Why is motorcycle insurance important?

Motorcycle insurance is mandatory for most states, including Utah. But besides following the law, motorcycle insurance protects you from unplanned accidents that could cost you thousands of dollars. Think about lawsuits if you got sued following an accident, medical expenses, and property damage.

How much insurance do I need?

It will entirely depend on your needs. However, some factors determine how much insurance you need for your bike, for example, the make or type of your bike and how you intend to use it. Be sure to talk to trusted insurance for guidance.

How does motorcycle insurance work?

Like any other insurance, motorcycle insurance will cover you up to a certain limit. If you cause bodily injury to others, your liability coverage will cover you up to your policy limit. If the claim goes beyond your limit, you will be responsible for the extra cost. The policy may also cover other additional coverages you may have, like roadside assistance.

Motorcycle insurance in Salt Lake City, UT

When it comes to insurance, get it right from the word go. It will help you avoid disappointments during a claim. Be sure to ask a trusted insurance agent if you are unsure of something. If you are in Salt Lake City, UT, and its surroundings, contact M8 Insurance for all your motorcycle insurance needs.

Motorcycle insurance is vitally crucial for bike owners but is sometimes not well understood. Is it like an auto insurance policy? In essence, yes, but it does have some minor differences. Let us at M8 Insurance explain what Salt Lake City, UT, residents need to know about their insurance.

Do You Need Motorcycle Insurance? 

A vast majority of states do require you to have motorcycle insurance. Only a handful do not, such as Washington and Montana. Utah does require motorcycle insurance, so it is essential to buy a policy to avoid severe financial and legal troubles. In addition, these policies are significant for crash situations. 

That’s because they can help pay for various types of lawsuit situations, minimize your expenses when it comes to repairs, and much more. So let’s take a deeper look at the different types of coverage options that motorcycle insurance will provide you. 

What Does Your Policy Cover?

A motorcycle insurance policy will pay for many of the same things an auto insurance policy handles. For example, it will pay for injuries, collisions, property damage, uninsured drivers, personal injury protection, and much more. However, you may also get an SR-22 certificate in some instances. 

This certificate applies to people considered a potential risk and is not uncommon for some bike riders. Thankfully, this certificate can be removed from your insurance given enough time and safe driving. Motorcycle owners may also need specialized repair coverage for their bikes.

We Can Provide You With Great Motorcycle Insurance 

Do you need motorcycle insurance for your Salt Lake City, UT, bike? Then please contact us today at M8 Insurance to learn more. Our team of experts will do what they can to help figure out your needs and provide you with the high-quality experience that you need.

Buying a boat should be fun. Shopping for boat insurance isn’t.

But, it’s necessary. Boat insurance can protect your investment. Although all the available options can be overwhelming, there’s no need to abandon ship just yet.

M8 Insurance can find the policy that’s right for you. Serving Salt Lake City, UT, these experienced agents answer five questions about boat insurance.

What is boat insurance?

Boat insurance protects you, guests, and the boat itself in the event of loss, damage, or an accident. These policies cover most motorized watercraft.

What does boat insurance include?

Every policy is unique. However, boat insurance plans typically feature liability protection for both bodily injury and property damage. Collision and comprehensive coverage are also common. 

Is boat insurance required?

By law, Utah mandates liability insurance for each motorboat and personal watercraft when operating on the state’s waterways. Minimum coverage includes $25,000 for bodily injury or death to any single person, $50,000 for all persons, and an additional $15,000 in property damage coverage. Or, a combined $65,000 per accident. Some boats with smaller motors may be exempt from these requirements.

Do I need boat insurance all the time?

Accidents happen year-round. While it’s tempting to lapse your policy during the off-season, the risk still exists. Even in storage, your boat is subject to fire, storms, theft, and vandalism. Canceling your coverage means you may be left paying these expenses out of pocket.

Isn’t my boat covered under my homeowner’s policy?

Despite offering some protection, homeowner policies are limited and often carry a cap on claims. Only boat insurance can extend full coverage.

Call an agent serving Salt Lake City, UT

M8 won’t leave you stranded. By recommending a personalized boat insurance policy, the agency will keep you afloat so you can enjoy the open waters.

Do you enjoy riding your bike? If you are an adrenaline junkie, there is no better activity than riding a bike on Utah open roads. But as you enjoy your bike, have you thought about motorcycle insurance from M8 Insurance? If you haven’t been keen on motorcycle insurance, here is why you should give this coverage a second look.

Severity and frequency of bike accidents

Unlike your vehicle that’s covered, the same can’t be said of your bike. Additionally, there are no airbags or seat belts on your bike to cushion you during an accident. Given how exposed you are on your bike, a minor accident can cause extensive damage to your bike and injuries to you and your passenger.

For this reason, you should ensure that you don’t ride your bike without motorcycle insurance. While insuring your bike doesn’t prevent accidents, it ensures that you are covered financially should mishaps occur.

It’s a legal requirement

Whether cruising on the highways or on one of the back roads, you must have motorcycle insurance in Utah. Failure to invest in motorcycle insurance may result in numerous penalties, including license suspension and fines.

To protect your bike

Your bike didn’t come for free. As such, it makes sense to protect it with motorcycle insurance. Formidable motorcycle insurance compensates you for loss or damage to your bike whenever the unthinkable happens.  

Medical protection

Motorcycle insurance protects you and your passengers when you are involved in an accident. If you have PIP or MedPay in your motorcycle insurance, it pays for your medical expenses whenever you are involved in an accident. This way, you can focus on getting back to your feet without worrying about medical bills.

Motorcycle insurance in Salt Lake City, UT

Are you ready to get started with motorcycle insurance? Would you mind getting in touch with M8 Insurance for affordable motorcycle insurance?

Umbrella insurance is a kind of insurance that is used as coverage for when caps are met on other insurance policies, or when you are facing a unique liabilities situation. You don’t need to be a business owner to need umbrella insurance, but it does help to serve as additional protection in a commercial setting.

At M8 Insurance, we want Salt Lake City, UT residents and business owners to be protected from every possible liability scenario. Find out if you need Utah umbrella insurance.

What is Umbrella Insurance?

Umbrella insurance is an insurance policy that provides protection against liabilities where the costs extend beyond base caps and base policies. If you have a car accident for example, and your own auto insurance policy does not offer enough coverage, you can make a claim on your umbrella insurance. The same applies to liabilities on your homeowner’s insurance.

There are other legal scenarios in which umbrella insurance is frequently used:

• Libel, slander, and defamation
• False imprisonment
• Malicious prosecution
• Illegal eviction or unlawful entry by landlords
• Privacy invasions

Do You Need Umbrella Insurance?

You may want umbrella insurance if you are worried you might get wrongfully sued or if you have some additional professional concerns. Tenants could also benefit from it, as we live in a world where landlords like to bend the rules to take advantage of tenants.

People with wealth are also often targets of crime and malicious lawsuits. So are people that serve on the boards of non-profits.

This is a world of lawsuits. Additionally, there are liabilities everywhere. If you have a pool, staff in your home, parties in your home, or a lot of people in your place of business, you could benefit from umbrella insurance.

Where there are extra people, there are places where you increase your exposure to frivolous lawsuits or crime.

Get a Quote

If you are wondering if you need umbrella insurance, then you probably do. It is an affordable way to increase your security and protect you from risks. At M8 Insurance, we want Salt Lake City, UT residents to be protected from every risk. Call us for a quote today.

Floods in the United States cause billions of dollars of damage every year. There are many misconceptions about flood insurance. It is important to understand that any property can be affected by floods, which makes flood insurance is so important and beneficial. However, there are also many misconceptions associated with this type of insurance. Many of them have nothing in common with reality. Keep on reading to find out what are the most common myths about flood insurance that should be debunked. 

Floods Do Not Cause Much Damage

One of the most common myths is that floods do not cause any significant damage, which means that flood insurance is not necessary. However, according to FEMA, just one inch of water can cause about $25,000 worth of damage. The higher the water gets, the more damage to the home’s structure and contents.

Flood Insurance Is Only For Homeowners

Businesses also can be affected by floods, especially if they are located in a flood-prone area. Therefore, they can also benefit from flood insurance that will pay for rebuilding and renovations. Flood insurance is also available for condos and rented property. If you buy flood insurance, and you live in a place you are renting, flood insurance will cover your furniture and personal belongings. 

Homeowners Insurance Covers Flood Damage

Another common myth is that a standard home insurance policy covers damage caused by floodings. It is not true, and if you want to make sure that your property is fully protected, you have to purchase a separate flood insurance policy. 

M8 Insurance serving Salt Lake City, UT – Get Insurance Addressing Your Needs and Budget

If you own a property, whether residential or commercial, you will definitely benefit from food insurance. M8 Insurance is an insurance company serving clients in Salt Lake City, UT and other surrounding towns. Our knowledgeable insurance agents will be glad to answer your questions and help you find a policy based on your needs and budget. 

Residing in a luxury condo in Salt Lake City, UT is a formidable investment. Condo insurance accords you the liberty of safeguarding your assets. It even covers your possessions if they are stolen or get damaged by a covered peril like theft and hail. Condo insurance collaborates with additional coverages offered by the homeowners association in protecting your unit structure and personal belongings. Did you know even an invitation for guests even in your condo in Salt Lake City, UT can culminate into lawsuits and medical expenses propagated by injuries while residing on your premises? Worry not because an ultimate solution is here! Contact us at M8 Insurance; we offer personalized condo insurance coverages suiting your specific needs.

Personal property protection

All your most precious assets, including your furniture and electronics, are shielded from imminent perils like fire accidents and other prevailing natural catastrophes. This formidable protection inculcates peace of mind by knowing that you and your belongings are safeguarded from losses.

Liability protection

Acquiring formidable condo insurance in Salt Lake City, UT covers medical expenses for injuries sustained by your guests visiting your condo. This form of coverage caters to bodily injury and property damage, including legal fees for injuries or damages you propagate to other parties.

Provides additional living expenses

Did you know that condo insurance can cater to additional expenses when your condo becomes unlivable? It pays extra expenditure like hotel bills when your condominium becomes uninhabitable after being damaged by a covered calamity and you are residing elsewhere temporarily.

Protects your pets

You can customize your condo liability coverage to cover your pets. If your pet bites a guest while in your condo, you will be covered. This policy extends protection even if your pet inflicts bites to third parties away from your condominium.

Are you searching for spectacular condo insurance in Salt Lake City, UT to protect your condo unit and your belongings? Please call or visit us at M8 Insurance to customize a competitive quote that suits your lifestyle and budget.

Sometimes it is puzzling to initiate a business in Salt Lake City, UT. Have you ever took time to reflect on all the hard work that you have channeled towards the thriving of your business entity? By all means, the chief mission is to safeguard your business against imminent perils like fire and theft, and this is where commercial insurance kicks in. Safeguarding your business in Utah might be cheaper than you think. Would you like to get more information about types of commercial insurance that will suit your business? Don’t hesitate to contact our agents at M8 Insurance today for any commercial insurance needs.

Is commercial insurance beneficial?

Any business operation is susceptible to many forms of risks in Salt Lake City, UT. These risks range from employees getting injured, clients filing lawsuits to strikes of natural calamities. For these and many other reasons below, it’s vital to secure salient commercial insurance.

Protection of the workers: Most business owners perceive that the products they sell are the most valuable assets compared to the employees who work for them. It’s regrettably because employees are an integral component that propels your business. Safeguarding your employees also means shielding the company from liability claims and lawsuits. Acquiring workers’ comp insurance ensures that your employees and your business are fully protected.

Protection from imminent lawsuits: As a matter of fact, we are living in a very litigious society where people get sued right, left, and center. One broken contract or a disgruntled worker can result in massive financial ruin in your business by filing lawsuits. Liability insurance insulates you against these perils, creating a secured environment to run your business.

Protect your business against cyber attacks: Cyber liability policy covers certain losses related to data breaches. It will also help you pay costs culminating in a data breach like customer notification or legal fees.

Protect your assets: Property insurance protects the building and its content against covered perils like fire, theft, natural calamity, and any other arising impact on your business income.

It’s safe to conclude that the future of business in Salt Lake City, UT is unpredictable, and anything can happen. Get in touch with M8 Insurance to ensure that you, your employees, and your business are protected from these uncertainties.

In the Salt Lake City, UT area a resident will have a lot of different housing options. When you are going to look for a new form of housing here a good option to consider is to rent your home. A rental property provides many advantages including flexibility and lower costs in some situations. If you do want to rent here you still need to have proper insurance. You will need a renters insurance plan here for a few reasons. 

Coverage is a Lease Requirement

A reason that you should obtain a renters insurance plan in Salt Lake City is that it could be a lease requirement for you. Those that are going to rent a property will need to meet their lender’s standards for lease requirements. If you do sign a lease, there is a good chance that the landlord will require coverage and ask for verification from time to time.

Coverage Protects You

Getting a renters insurance plan is also a good option due to the coverage it provides. With an appropriate rental insurance plan, you will get valuable coverage that will offer you liability protection and coverage for all your personal assets. This can prove to be a great investment and will also offer you some valuable peace of mind. 

Renters in the Salt Lake City, UT area need to ensure that they get the right insurance protection. As you are looking for a new insurance plan in this area, it would be a good idea to call M8 Insurance. There are a lot of factors that need to be considered when looking for renters coverage. The team with M8 Insurance can help you assess your needs and options and build a plan that is right for you.