How Does Renters’ Insurance Work?

If you rent your home, it’s vital that you have renters’ insurance for your own protection. Many landlords require you to have this to rent the home, but even when they don’t require it, it’s important coverage to have. If you need renters’ insurance, call us at Maple Mountain Insurance Services in Mapleton, UT. 

Covering Your Belongings

When you get renters’ insurance, the main coverage you get from the policy is for all of your belongings that are kept there. The insurance doesn’t cover the dwelling itself, as your landlord is supposed to have that insurance coverage. It’s best to document the possessions that you have for insurance purposes. Take photos of each room so that you can prove to your insurance carrier what you owned and kept in your residence. 

Liability Coverage

The other main coverage that these policies offer is liability insurance. It can pay medical bills for an accident or similar incident that happens to a third party in your rented home. Depending on your contract, it may cover other incidents as well. Make sure that you know which coverage you have and what would be covered by the liability coverage. 

Loss of Housing

Another important coverage is the loss of a habitable home. If your rented home were to be rendered uninhabitable, the insurance would pay for your living expenses as you move elsewhere. There are many instances that can render a home in this condition, and having this coverage in place can save you from going without a home if the worst were to happen.

Get Your Renters’ Insurance

If you rent your home and aren’t insured, call us at Maple Mountain Insurance Services in Mapleton, UT to talk with an agent about this coverage. 

When is it a good idea to get boat insurance?

The Mapleton, UT area offers a lot of local amenities to residents, including access to local lakes and places to use a boat. If you would like to enjoy the warm weather in the area as much as possible, investing in a boat is a great option. If you are going to purchase a boat, there are also several situations when it is a good idea to get boat insurance. 

When Taking Out a Loan

One situation when it can be a good idea to get a boat insurance policy is when you are going to take out a loan. The cost of a boat can be quite expensive. Due to this, it often makes sense for someone to finance their boat with the use of a loan. If you are going to take out a loan, you will have boat insurance requirements that need to be met. Lenders have these specific insurance requirements as it can protect their collateral.

When Trying to Protect Asset

If you purchase a boat, you are going to be making a major investment and purchase. When you do decide to purchase a boat, you will want to protect it as well as you can. The best way to do this is with a boat insurance policy. When you have this insurance coverage, it will give the protection you need to repair or replace your boat. 

There are many situations when having a boat insurance policy will be a good idea. If you are going to purchase a boat and are looking for a boat insurance policy, you should call Maple Mountain Insurance Services. For those that are in the Mapleton, UT area, Maple Mountain Insurance Services can provide you with all of the guidance that is needed to pick a quality policy. 

How much auto insurance should you buy in Mapleton, UT

Do I have enough coverage? This is a common question for many Mapleton, UT drivers because people tend to focus on health and life insurance that they forget entirely that hey need adequate coverage for their car. So how do you ensure that you have enough auto insurance? Maple Mountain Insurance Services will answer key questions to help you understand your coverages better.

How are you using the car?

How you intend to use the car heavily determines whether you will need more auto insurance, or you will need to incorporate other policies such as commercial and umbrella insurance.  If you are using the car for your daily activities like going to work, then you want to make sure that all your coverages such as liability, comprehensive, collision, and personal injury protection are all adequate.

Which coverages matter to you the most?

Insurance experts in Mapleton, UT typically advise policyholders to buy enough of the essential coverages such as bodily injury liability and property damage liability. In simple terms, liability coverage is a necessary coverage for any car owner—other coverages critical to consider include; medical coverage, comprehensive and collision coverages. If you are not sure, you can always talk to your insurance provider to help you separate the important ones from other basic coverages.

What are your premiums and coverage limits?

A premium is the amount of money you pay for your coverage. You can pay your premiums monthly, quarterly, semi-annually, or annually, depending on the agreement of your insurer. Car insurance premiums vary from one driver to another as there are factors insurers use to calculate. Such factors include your driving record, your location, the model of the car, and age. The coverage limit, on the other hand, is the maximum amount you will pay and be compensated in case of an accident.

Want to get the best out of your auto insurance? Maple Mountain Insurance Services has the answers you need. Feel free to reach us up through our website.

Who needs umbrella insurance in Mapleton?

People that live in the Mapleton, UT area will end up having a lot of important insurance decisions to make. One decision that you will have to make is whether or not you should get umbrella insurance, which is a personal liability insurance plan. There are several situations when someone will need to get umbrella coverage to take advantage of the protection it provides. 

Anyone that Wants Coverage for Unexpected Situations

The first situation when someone will need to have umbrella insurance is when they want to have coverage for unexpected situations. There are always going to be risks that you could cause some form of accident or be liable for the losses of another person. While some of these can be insured against with auto and home policies, predicting everything that can happen is impossible. Due to this, getting umbrella insurance is a good idea as it can give you coverage for situations that seem unpredictable.

When Wanting More Coverage

Another situation when someone will need umbrella insurance is when they want more coverage. Your home and auto policies will each come with policy limits. If you are at fault for an accident that goes above these limits, you will need to come out of pocket to pay for damages if you do not have additional coverage. Your umbrella insurance can give you the coverage you need if you do exhaust your base policy coverage.

Anyone that is looking for an umbrella insurance policy in the Mapleton, UT area should consider calling Maple Mountain Insurance Services to discuss their needs. Picking umbrella coverage is complicated and requires a lot of thought and consideration. The team at Maple Mountain Insurance Services can make this easier for you as they will help you to pick and choose a quality policy. 

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.