Who should get an auto insurance policy?

Those that move to the Mapleton UT area are going to have a variety of important insurance obligations. Anyone that owns a car here in this area should make sure that they also get an auto insurance policy. There are several situations in particular that someone here will want to get an auto insurance policy for their vehicle.

When Taking out an Auto Loan

If you are going to get an RV, there is a good chance that you will work with a bank to take out a loan. When negotiating a loan, you will find that there are some specific insurance requirements. If you do take out a loan to buy the car, it is important that you comply with the insurance requirements. Most auto lenders will require that you have a full auto policy that properly protects their collateral. 

When Driving on a Public Road

You also will want to have auto insurance when you intend to drive on a public road. To comply with legal requirements, you will need to have liability auto insurance when you are driving on a public road. If you do not have this insurance and are caught without it, you could face penalization and may even lose your right to drive. 

When you are looking for an auto insurance policy in the Mapleton, UT area, you should speak with the team at Maple Mountain Insurance Services. When you call the team at Maple Mountain Insurance Services, you are going to learn a lot more about the needs and options that you have. These insurance professionals are aware of the risks that car owners have. They can also any of your questions to ensure you are able to select a policy that is ideal for your situation. 

Things To Know Before Buying Flood Insurance

According to the statistics published in the Environmental Research Letter, approximately 41 million Americans live in flood zones. Therefore, having flood insurance is important – it protects a property, house, and all the belongings. However, before purchasing flood insurance, there are certain things you should know: 

  • Waiting period.  There is a 30-day waiting period after the purchase of insurance before it kicks in. Therefore, it is not recommended to wait until the storm season comes. You should purchase it as soon as possible, primarily if you are located in a flood-prone zone. 
  • Standard home insurance does not cover damages caused by floods.  Many homeowners decide to skip flood insurance because they believe that their homeowners’ insurance covers damages caused by water. Unfortunately, it is not valid. A standard home insurance policy might cover damages from a busted pipe, but it will not cover water coming from outside into a house. 
  • Businesses need flood insurance too.  If you run a business, you may have expensive and valuable technology, equipment, and furniture. Therefore, it is recommended for all business owners to have commercial flood insurance too. 
  • There are two ways to get flood insurance.  You can either find a flood insurance policy with the help of one of the insurance companies or purchase it through the National Flood Insurance Program (NFIP). 

If you are a resident of Mapleton, UT, you may think that you do not need flood insurance. However,  the statistics say that between 40 and 100 floods are occurring in the Utah area every year. If you decide to get this type of insurance to protect your property and belongings, Maple Mountain Insurance Services is ready to help. Maple Mountain Insurance Services is an independent insurance agency dedicated to treating its customers in the most professional manner. Do not hesitate to contact our office to find out about affordable and reliable insurance coverage available. 


What type of life insurance is right for me?

For anyone that lives in the Mapleton, UT area, getting proper insurance coverage is very important. One form of insurance that people should consider getting is life insurance. This form of insurance is vital as it will provide the coverage that you need to ensure that your dependents are adequately cared for. When you are looking for this insurance, there are several options to consider. You should consider the advantages of both term and whole life insurance to determine what type of coverage is right for your situation.

Term Life Insurance

The first type of coverage to consider is term life insurance. With a term life insurance policy, you are going to receive coverage for the entire term of your policy. This coverage will give you protection up to your policy limit. Most people will find that the premiums tend to be more affordable compared to other forms of life insurance.

Whole Life Insurance

While it can be more expensive every month, whole life insurance is often a good option. A whole life insurance policy will give you coverage for the rest of your life as long as payments keep being made. Also, with a whole life insurance policy, a portion of your premiums each month will accrue in an account that will appreciate in value with interest. This can also make it a great investment tool. 

As you are shopping for life insurance in the Mapleton, UT, you can easily feel overwhelmed and confused. To ensure that you pick the right policy for your situation, you should reach out to Maple Mountain Insurance Services. The insurance team at Maple Mountain Insurance Services can help you to pick a policy that provides you with the right type and level of coverage. 

Do I need to have auto insurance in Utah?

Anyone that lives in the Mapleton, UT area will likely want to have a car as it will make it much easier to get around town. Any car owner in this area of Utah is going to have some significant responsibilities to follow. One of these is to have auto insurance. There are several reasons why you need to have auto insurance when you own a car here. 

Required by Auto Lender

One situation when you are going to need to have auto insurance is if you take out a car loan. Since a car is a big purchase, there is a good chance that you will need a loan to finance the purchase of it. Not complying with your lender could be problematic and lead to a variety of issues. Due to this, it is vital that you comply with your loan agreement. One requirement you will have is to carry auto insurance at all times.

Comply with Legal Requirements

It is also vital that you understand your legal requirements when it comes to auto insurance. Those that drive a car in Utah are required by law to carry insurance. If you are caught driving a vehicle without a liability insurance policy, you could face penalization. Further, if you do not have insurance and cause an accident, you will be obligated by law to pay for damages out of pocket. 

If you do purchase a car in Mapleton, UT, contacting Maple Mountain Insurance Services to discuss your insurance needs is very important. When you call Maple Mountain Insurance Services, you can learn a lot more about how auto insurance will protect you and your vehicle. The insurance team can also assist you in getting into a quality policy that meets your needs. 

Commercial Insurance: The Right Way to Care for Your Business

Having a business comes with a lot of responsibility, and part of that is making sure you have the right commercial insurance policy. If you don’t have sufficient coverage, you could end up with a problem that could jeopardize your company’s future. But you can avoid that when you’re adequately insured, and you’ll have more peace of mind, as well. If you’re in the Mapleton, UT area, we can help you find the policy that’s going to meet your company’s needs. At Maple Mountain Insurance Services, we want all our business clients to be successful. We’ll answer your questions and give you the information you need to make an informed decision about your insurance requirements.

When you work with the public, you need a different type of policy than someone who works online. Factories will require different coverage types than offices. It’s easy to feel overwhelmed when you’re not sure what you need to be secure. But fortunately, you have someone on your side. Our trusted agents can give you the information you’re looking for, so you can keep running your business and not worry about the insurance policy that’s protecting it. As a business owner, you have a lot to think about, and your insurance shouldn’t have to be part of that. We can take over that worry, so you can get back to operating your business, instead.

Reaching out to us at Maple Mountain Insurance Services is a great way to get the quality commercial insurance policy you need and want. If you’re in the Mapleton, UT area, we’re here to help with information and policies for your company. Whether you’ve been in business for a long time or you’re just getting started with a new company you’ve created, having the right insurance matters. A business insurance policy should cover your company with the right kind and level of coverage, and we can make sure that’s what you’re getting.

Understanding Health Insurance Terminology

When shopping for health insurance, it is easy to become overwhelmed by the many different terms and plan options. Understanding what the terminology means is the best way to equip yourself to purchase the best plan. At Maple Mountain Insurance Services, serving Mapleton, UT, we take the time to educate our clients and future clients on these important topics. Here are several important insurance terms that you should know. 


The premium is one of the most important parts of your insurance cost. The premium is the amount you pay each month to be part of an insurance plan. Many people consider this the cornerstone of their insurance choices. The premium will most dramatically affect your monthly budgeting, as this will be a recurring expense each month. 


When purchasing health insurance, the deductible is another important consideration. The deductible is the amount that you will be expected to pay out of pocket before your insurance benefits kick in. This amount will vary depending on the plan you choose. When choosing an insurance plan, it is important to consider the amount of medical care that you and your family need in an average year. This will help determine how much of a deductible is appropriate for you. 


When considering your insurance plan, the co-payment is the third most important term to understand. Your co-payment will be an amount that you are expected to pay, upfront, before any medical service. This amount will vary depending on the type of plan you purchase. Considering the co-payment is important for budgeting purposes. Again, you should consider how much medical care your family uses in an average year. 

Understanding health insurance terms is key to making the best possible health insurance choice for your family. If you would like to learn more about health insurance, please contact our friendly staff today at Maple Mountain Insurance Services, serving Mapleton, UT. 

3 Tips for Buying Classic Car Insurance in Utah

A classic car insurance policy is as unique as your classic car. It’s not a standard auto insurance policy, but a specialized policy just for your prized classic car. If you don’t currently have classic car insurance in Mapleton, UT, now is the time to get it. Our team at Maple Mountain Insurance Services has put together this list of three tips to help you get started.

1. Work with a Reputable Insurance Agent

The first step to buying classic car insurance is to work with a reputable insurance agent who can explain varying policies, offer guidance, answer questions, and help you find discounts. This agent will be by your side throughout the entire classic car insurance buying process.

2. Compare Several Insurance Quotes

The insurance needs of your classic car may be quite specific. For this reason, it’s a good idea to make a list of what you want to be covered and then compare several quotes with your insurance agent. This will help you find the best policy to match your needs and budget

3. Bundle Your Classic Car Insurance

Consider bundling all of your insurance policies under one carrier for a premium discount. Bundle your auto, life, home, and other insurance policies together for an easy way to save money.

To learn more about purchasing a classic car insurance policy in Mapleton, UT, contact Maple Mountain Insurance Services. Reputable, friendly agents are waiting to take your call. We’ll explain what classic car insurance is, what it covers, and help you get started in selecting the right policy for you. Contact our agents to get started with a quote.

RV Insurance: Don’t Leave Home Without It!

There’s nothing like hitting the road in an RV to explore the natural wonders of Utah. RV insurance from Maple Mountain Insurance Services in Mapleton, UT will ensure you have the protection you need on the road. Before hitting the road in Utah, we recommend you consider the following RV insurance coverage:

  • Liability – Liability RV coverage is mandatory in most states, and Utah is no exception. Utah sets minimum limits on liability insurance to protect other drivers in accidents you cause. Liability coverage helps pay for injuries or property damage to other vehicles if you’re found at fault of an accident. As RVs can cause extensive damage in an accident, you should consider getting more than the bare minimum to protect yourself against serious accidents.
  • Uninsured/Underinsured Motorist – Utah also requires that RV owners obtain uninsured/underinsured motorist insurance to cover damage to their vehicle if they’re hit by someone with insufficient or no insurance coverage.
  • Collision & Comprehensive – Collision coverage pays for repairs to your RV if it’s damaged in a crash. Comprehensive coverage protects you against theft and damage to your RV from non-collision incidents such as fire, hail, or vandalism. Collision and comprehensive coverage are optional but worthwhile to protect your valuable investment. 
  • Roadside Assistance – This coverage comes in handy if you get stranded by the side of the road due to mechanical issues with your RV.
  • Vacation Liability – Vacation liability coverage protects you against accidental injuries visitors may have in your parked vehicle or at your campsite during your vacation. If, for example, a friend gets burned while helping you cook a meal in your RV, vacation liability helps cover his medical costs.

For more information about RV insurance coverage and costs, call or visit Maple Mountain Insurance Services in Mapleton, UT.

Does motorcycle insurance cover your gear?

Motorcycle insurance is required in most states. Your right to legally drive your bike through Utah is, in fact, contingent on your indemnity plan that must include at least $25,000 per person for bodily injury and a minimum $3,000 in personal injury protection. 

Is the state minimum enough, though? What about your gear? Does motorcycle insurance cover the necessities and accessories? The agents at Maple Mountain Insurance Services can help you create the indemnity plan that gives you the protection you need on the road. 

Yes! Motorcycle insurance can cover your protective gear

In addition to purchasing coverage for bodily injury and property damage, you can also buy a motorcycle insurance plan that pays to replace your equipment. This type of insurance comes in handy when you have an accident that ruins your helmet. Your indemnity plan can replace both your bike and the main accessory you need to ride it safely. 

Gear protection also extends to gloves and riding leathers. An agent at Maple Mountain Insurance Services can explain the details of how this insurance feature works in Mapleton, UT. 

What else can you do with motorcycle insurance?

A good motorcycle insurance plan pays for towing and labor costs when your bike breaks down during a road trip. Some indemnity policies even reimburse owners for lodging when they are stranded due to the bike stalling. Such a perk is recognized as trip interruption coverage. 

You may also find that your motorcycle insurance policy covers rental bikes that you use while on vacation. The collision and comprehensive coverage of your policy can pay for the damages to the rental. 

The agents at Maple Mountain Insurance Services can help you find a motorcycle indemnity policy that fits your needs in Mapleton, UT. Call today for a quote!

Is Boat Insurance Crucial in the Winter?

How important is it really to get boat insurance for your boat during the winter? The answer might surprise you, especially if you’re new to owning one in the Mapleton, UT area. A quality insurance company like Maple Mountain Insurance Services can assist you.

Storage Doesn’t Cover It

You may think that your watercraft should be fine during the winter, as long as it’s put away for storage. The truth is not as simple as that. Your boat may be susceptible to receiving damage while it’s in storage. 

It doesn’t matter if your boat is at a marina or in a storage facility. If it’s in an area in which there are storms, like most of the country, these natural disasters can still cause some damage if the facility is hit hard by a storm. If you already have boat insurance, you’ll want to make sure that you don’t cancel it for the season. If you are just about to seek insurance for your boat or even if you already have a policy, you can talk to your provider to find out what options are available for additional protection for the harsh winter months. 

Save a Little Money

It may be possible to save some money during the off-season when you’re not using your boat. This is because only specific coverage may be necessary at those times. These include comprehensive and liability coverage.

If you’re like many people and want to find out how to pay less for insurance, even if just for a short while, reach out to an agent at Maple Mountain Insurance Services, serving the Mapleton, UT area.