Every year you have to decide to remain with the health insurance carrier that you used last year or to see if you can find one to provide better coverage and care. It is an important decision and not one to take lightly. Many things go into making the choice the right one for you and having an insurance agent who can help you to make the right one is important. At Uban Insurance Agency in Salt Lake City UT, we make sure that you make the best choice for you by providing you with choices.
You will, of course, question the cost, but while you do need to be able to afford your health insurance, cost should not be the primary factor in your choice.
Is my doctor in the network?
Every carrier has a network of providers that they have contracts with to provide services to their policyholders. Most health care plans are managed care these days and require a primary care physician who plays a very important role in your health care. You want to make sure the doctors and hospitals you prefer take your health insurance.
Is my medication covered?
Every insurance carrier has a formulary that includes the medications that are covered on the plan. Medication is placed in tiers by cost to you. Some have deductibles and copays. You need to know that your medication is covered and how much it costs to fill your prescriptions.
Does the plan include dental and vision?
Dental and vision and important additions to a health care plan. In order to compare policies, you need to know whether these important types of care are included. If they aren’t, you may be able to buy additional coverage.
Contact Uban Insurance Agency in Salt Lake City UT with your health insurance needs.
Utah is a no-fault state and, as such, requires that all drivers carry a minimum of $3,000 in personal injury protection. PIP is personal injury protection, which pays for any medical expenses you might incur due to an accident. Liability requirements are 25/65/15. At Uban Insurance Agency in Salt Lake City, UT, we are independent insurance agents. That allows us to do the work of finding the best carrier for you.
Auto Insurance Facts
Full coverage is basic insurance plus coverage for your vehicle. Basic insurance in Utah is 25/65/15. That is liability coverage. The $25,000 is for injury to one person in an accident, with the total amount for injuries in that particular accident of $65,000. The $15,000 is for damage to property, but not your property, the other driver’s property. Basic insurance is not full coverage.
If you have an auto loan or lease your vehicle, you will need full coverage. That means adding collision and comprehensive coverage. Collision coverage is for damage to your car that is the result of a collision. It can be in an accident where you are responsible, a one-car accident, or a hit and run. Comprehensive coverage is for damage that is beyond your control or for theft of your vehicle.
But, if you don’t have a loan or a lease, do you need full coverage on your vehicle? If you have enough money to pay for any kind of repair your car might need or replace your vehicle if it is stolen, you can do very well with just basic insurance. But if you are like most people, full coverage will help you replace or repair your vehicle.
Give Us A Call
Contact Uban Insurance Agency in Salt Lake City, UT when you need to have your auto insurance reviewed or to change carriers.
Uban Insurance Agency serves the Salt Lake City, UT community and the surrounding areas. We offer multiple types of coverage. We are committed to helping our clients find the coverage they need to protect their assets. We will take the time to help you assess your options and find the right policy for your situation.
Life Insurance Policy Basics
Life insurance helps you prepare for whatever the future may bring. If you are starting a family in the Salt Lake City, UT community, life insurance is a major asset. The policy helps you build a foundation for your loved ones so that they can move forward if you unexpectedly pass away. Life insurance can help your loved ones manage your affairs, finalize your funeral arrangements, and maintain their regular standard of living. Life insurance can help your children pursue higher education or ensure that the family business stays secure.
While looking over different life insurance policies, you have to figure out which policy fits both now and in the future. Term life insurance policies provide coverage for a specified period of time. The duration of most policies is normally 15-20 years. Once the terms ends, you can assess your personal situation to see which type of coverage makes sense. In the event that you pass away during the term, your loved ones will be able to use to policy. This provides stability during a difficult time.
Whole life policies provide coverage throughout your entire lifespan. This type of policy ensures that your loved ones will have assistance as they finalize your funeral arrangements. Universal life insurance policies provide similar protection with flexible coverage options.
Uban Insurance Agency Will Help You Plan For The Future
Visit our website to learn more information about life insurance.
Homeowners insurance is one of the most important things to have in case something happens to your home. It’s the only way you can be compensated if there is a fire or accident that causes damage to your property. It’s also important for being able to get another mortgage, should you ever need it. But not everyone knows how often they are supposed to think about adding more coverage. Here are a few times when you should be looking at adding to your homeowners insurance coverage.
When You Make Renovations
One of the most important reasons to buy more coverage is for renovations. If you are planning on putting in a pool or something similar, you need to have enough insurance so that if anything were to go wrong, you would be covered.
When You Have Valuable Items
One of the best times to add coverage is when you’ve acquired a lot of valuable items. If you have a house full of antiques, for example, or your belongings are particularly high in value, it makes sense to think about getting more insurance.
When You Start a Home Business
If you have a home business, it only makes sense to add more coverage. This will protect your inventory and any equipment you might use for the business in case of damage or theft.
When It’s Time to Upgrade
Another good time for consideration is about five years after you first bought your home. After this period, most insurance companies will give you the option of increasing your coverage to better match what is happening with your house. This is also a perfect opportunity to take stock of all of the changes that have happened to your residence as well as what you’ve got now that is valuable.
There are many reasons to consider increasing your coverage, and most insurance companies will do so if you ask. This way, you’ll never have to worry about being under-insured. Are you looking for home insurance in Salt Lake City, UT? Call Uban Insurance Agency and let us help you choose your coverage today.
Every type of commercial insurance is not right for every business. Commercial insurance should be customized to make sure that you have all the protection that you need. It doesn’t make good financial sense to pay for insurance that you don’t need. As independent agents, the team at Uban Insurance Agency in Salt Lake City, UT will discuss your business with you to find out what types of coverage make sense.
Commercial property insurance
If you don’t own the building you do business in, you may feel that you don’t need commercial property insurance. That is a mistake. Commercial property insurance covers so much more than just the building. It covers the things you need to do business. Depending on the type of business you have, it can be machinery, tools, office equipment, inventory, raw materials, office furniture, business documents, and a whole lot more.
Commercial liability insurance
Businesses are particularly vulnerable to being sued. If you have a business where people actually come into your business, they can be injured. If they don’t like the product they got from you, they may sue. You can be sued by a vendor, by a customer, or an employee. With commercial liability insurance, you will have the protection you need to survive any of these. It will cover a judgment against you and also legal expenses. You could lose your business without this coverage.
Worker’s Compensation coverage is the only commercial insurance that is mandated in Utah. In Utah, there are few exceptions to the law that requires every employer to have workers’ compensation insurance if they have any employees. You can purchase insurance or opt to self-insure.
In Salt Lake City, UT, contact Uban Insurance Agency to get the right coverage for your particular business.