While people in blank know IMSC Insurance Offices as their home for independent insurance professionals, they still have questions about getting auto insurance, small business insurance, and other insurance products. To help our current and future clients, we have compiled many of these questions into an important frequently asked questions section. Many of your questions will be answered below, but if not, reach out to us, and we will be happy to speak with you about your specific needs.
Part of our difference is the number of years that we have been providing insurance protection, which is now at the 50 year mark. Additionally, we have always been and continue to be your locally owned, independent insurance agency. We help clients to get the right customized insurance products that meet their needs.
We don’t just offer a select few insurance products, but instead offer a complete line of insurance. From home and auto insurance that most expect, we also provide business insurance options, life insurance, renters and landlord insurance products, health insurance options, pet insurance, umbrella insurance, and more.
As an independent insurance agency, we work for our clients to provide them with multiple insurance quotes, which helps to save them money while also ensuring that they are getting exactly the coverage that they need.
Yes, our team works with individuals, families, as well as businesses throughout Salt Lake County, including the communities of Salt Lake City, Riverton, West Valley City, Sandy, and the surrounding areas.
Yes, most insurance companies that we work with offer different insurance bundle options. Some of the most common include auto and home insurance bundles. These packages offer financial savings as well as simplified management of policies.
Homeowners insurance covers the home itself as well as the personal belongings inside the home. It also offers liability protections, provides for additional living expenses for covered events, and more.
Homeowners insurance is not legally required in Utah, however most lenders will require that you carry homeowners insurance as a condition of the loan until the loan is paid off. And even then, once the loan is paid off, having homeowners insurance is a smart move.
There are several options that our clients can look at that will result in lower premiums. Bundling their homeowners insurance with the auto insurance will usually result in lower premiums for both. Raising the deductible on your home insurance will also result in lower premiums. There are other options as well, such as adding a home security system and other options.
We like to say that if it has an engine, then we can insure it. From your personal vehicles that you use every day to recreational vehicles like RVs, motorcycles, watercraft, and more can all be insured through our offices.
Utah law provides for a minimum coverage level for auto insurance that typically is liability coverage. However, most of our clients tend to also get additional vehicle insurance such as comprehensive, collision, uninsured/underinsured motorist, and more so that they are fully covered when an accident happens.
If you have significant assets, you may want to add the additional protection offered by an umbrella insurance policy. These policies provide additional protection beyond what your auto and home insurance policies provide.
Having the right commercial insurance is important for all businesses, from retail to restaurants, professional services to contractors, and more.
We offer all sorts of commercial insurance that will benefit all kinds of businesses. From commercial auto insurance to liability coverage, workers compensation, professional liability, business interruption, commercial bonding, and much more.
Yes, contractors will need to get the right insurance that fits their business needs. This might be insurance to protect their equipment and tools, workers compensation, as well as surety bonds and more.
Life insurance is an important protection for individuals and families as it provides the financial resources to cover a variety of expenses. These expenses could include paying off a mortgage, addressing education costs, replacing the lost income of a spouse, or other expenses.
The best time to get life insurance in place is when you are younger as the premiums will be less and you likely have more coverage options to choose from.
Yes! As your local independent insurance agency, we can shop the insurance market and provide several different insurance quotes for your health insurance and other insurance options. We can also help you compare those policies so that you are choosing the right one that fits your needs and budget.
In order to start your insurance quote we will need some basic information about you, your vehicles, your property, and your family. If you already have insurance, having that information is also helpful for comparison.
For most people, doing an annual review of your insurance coverage is a good marker. However, if you have a significant life event, then you will want to review your insurance with those events. Examples include purchasing a home, getting married, starting a business, expanding your family, and even purchasing a new vehicle.
As your local independent insurance agency, we best understand the local laws regarding insurance coverages, can speak to regional risks, best understand property values, understand the local weather patterns, as well as the current business environment. All of this local knowledge translates to understand our clients and what needs they have, as well as things that they should consider that are regional differences from other areas of the country.
Proudly serving Murray, Riverton, Salt Lake City, Sandy, West Valley City, UT, and the surrounding areas.
Visit our Service Areas page for a full list of coverage.
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