What Should Condo Insurance Cover?

If you own a condo in Salt Lake City, UT, you need an insurance policy for the property. But what exactly should be in the policy? While there is no universal answer (every policy should be customized for the property and the person who owns it), there are three specific things you want to ensure exist in your plan. At M8 Insurance, we want you to fully understand these condo insurance aspects. 

Property Protection

The primary function of condo insurance is to protect the property as a whole. In the same way, home policies cover damage to the building, and condo insurance protects the asset itself (your condo) so that you can get it fixed if something is damaged. The full extent of this coverage depends on the specifics of your policy, but the point is that the property itself is protected by insurance.

When you purchase a condo using a mortgage, the lender will require that you have enough of this part of the coverage.

Personal Property

Property protection is certainly important, but it’s not the only thing you want out of your condo insurance. The odds are that you have items of value within the condo. This could be appliances, furniture, or any number of personal belongings.

While there are no universal standards, it’s fairly normal for condo policies to offer some level of coverage for your personal belongings within the condo. Ensure you have enough coverage for the value of everything you keep in your condo.


Last, and certainly, not least, you want liability coverage. You may be liable for damages if someone gets hurt on your property. Your insurance coverage is designed to help cover the financial costs tied to that liability.

You can also pair medical coverage with liability. If someone is hurt on your property, the medical coverage could help them pay for healthcare costs, even if you aren’t legally at fault. It’s worth considering.

Aside from these essentials, there are plenty of other choices to make when choosing insurance for your condo in Salt Lake City, UT. That’s why you should work with an M8 Insurance representative to ensure you understand your options and get what you want.

When does a doctor need malpractice coverage and errors and omissions insurance?

M8 Insurance offers businesses with a full range of commercial insurance options in Salt Lake City, UT. The insurance a particular business requires varies by the type of business. Doctors, nurses, nurse practitioners, and others in the medical field need specific types of liability coverage. These include malpractice and errors and omissions insurance (E&O).

Malpractice vs. Errors and Omissions Insurance

All types of doctors require malpractice insurance, a common type of commercial insurance. Those who make medical devices, such as braces, Invisalign, prosthetics, etc., also need errors and omissions insurance.

Malpractice insurance offers liability coverage for accidental negligence that injures or causes the death of a patient. Every type of doctor needs malpractice coverage, from general practitioners to obstetricians to dentists to ophthalmologists.

Some doctors may also need E&O coverage on top of malpractice. E&O policies protect a business’s financial security from claims and lawsuits due to the malfunction of a medical device.

Medical device refers to a gamut of items ranging from Invisalign plastic braces to prosthetic limbs. A neurotransmitter that helps a paralyzed patient control a computer using thought falls under the medical device category, and so do the glucose monitoring patches used to measure glucose blood levels for diabetes management.

E&O insurance covers explicit malfunction of the device due to an error in manufacturing and omission of information by the manufacturer or medical professional that affects device performance.

Contact M8 Insurance Today

Contact M8 Insurance to determine whether you need malpractice, E&O, or both policies. Let M8 Insurance help you protect the financial security of your Salt Lake City, UT business.

Insurance And Other Things You Need For A Safe Trip In Your Car

Preparing For Trip Weather, Tech Issues, Medical, And More

A family road trip requires a lot of preparation to seem safely spontaneous. At M8 Insurance in Salt Lake City, UT, we want you to be able to enjoy your vehicles to the fullest but safely!                                                                                                     

The Basics for Humans And Pets

Think about food, water, and whether they could become unavailable in remote areas. Ensure your car is not your only protection against heat or extreme cold. Think of your pets. Make sure you can meet their emergency needs!

The Tech

In today’s technology-based vehicles, carrying spare keys, even expensive ones, can save you from lockouts and broken keys that suspend your trip for days. Basic satellite phones are affordable and rentable. Even less costly satellite devices allow you to text brief trip updates and exchange emergency messaging.

Weather Prep

Make sure you have the necessary equipment, food, clothing, and supplies for the weather you might encounter, especially extremes of hot and cold for multiple days. What’s your plan?

Driving Skills

Specific driving skills may still be needed to reach your destination relaxed and intact. Make sure you understand your vehicle’s capabilities and vulnerabilities. Get some practice. Whether you drive an SUV, sedan, 4×4, or pickup truck, each one’s characteristics are unique.

Coverage For Explorers

Rely on the right coverage, and you won’t have to worry about the paperwork of accidents. Our team and your insurer can handle it while you relax. Don’t put yourself in the situation of working with remote parties and government officials. Think also about road assistance coverage that provides help from a trusted service provider. Call M8 Insurance in Salt Lake City, UT, where we’re here to help with insurance and safety!

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. 

What Does Renter’s Insurance Cover?

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!

How is RV insurance different from auto insurance?

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.

Protecting Your Classic Motorcycle with Insurance

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.

Boating safety classes are crucial for every boat owner

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.

Four Remarkable Benefits of Umbrella Insurance

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.

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.