Yes, water damage from a leaky pipe can be covered by your HO-6 Condo Insurance Policy. The damage needs to be sudden and accidental, like a burst pipe. Damage caused by slow water leaks over time will typically not be covered. Flooding from an outside source will typically not be covered. Condo [...]
An HO-6 Condo Insurance Policy is a type of homeowners insurance designed specifically for condos and townhomes where there is a Master HOA policy in place. HO-6 refers to the insurance form the policy uses to provide coverage. It is a homeowners 6 form, which is specifically designed to provide coverage for [...]
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If you have a mortgage on your condo, you will typically be required to purchase an HO-6 condo insurance policy. If you do not have a mortgage, you may not be required to have an HO6 condo policy; however, we highly recommend it. Even if your condo association has no coverage requirements, [...]
Getting your driver's license is a fun an exciting time for many people. When your child gets their learner's permit, along with teaching them to drive, we encourage you to teach them about insurance. Insurance for a new driver can often be expensive. Most people are surprised by the increase, and most kids have [...]
HOA Insurance typically refers to the Master HOA insurance policy. Your HOA is responsible for carrying out a master insurance policy to insure the common areas of your condominium development. The HOA master policy provides protection for damages or injuries that occur in the “shared spaces” (i.e., hallways, meeting rooms, pool decks, [...]
The standard answer is Yes... with some limitations. Your Utah Auto Insurance Policy allows for the permissive use of your vehicle (you gave them permission to drive it). That means if you let someone borrow your car to run an errand, or use it temporarily, then your auto policy will cover them while they [...]
This is one of our most often-asked questions. In fact, we wrote a whole blog post all about it. Rental car coverage can be a bit tricky, but the simple answer is the coverage you have on your own car will transfer to the rental car. With some exceptions. So, if you have comprehensive [...]
Most mortgage companies will require the borrower to escrow their home insurance. Lenders require this because they'll know when the home insurance policy has been paid (or not paid) and will know that their investment into your home in insured. Because they require the home insurance to be escrowed, this can often cause some [...]
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