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There are many occurrences that can cause damage to your home: fire, storms, gas explosions, auto accidents and floods. For most of us in Utah, any of these would cause financial devastation as well. Home insurance or property insurance is designed to offset the costs of these disasters, however, coverage for these risks may not be covered. It is up to you as a savvy consumer to know the details of your home insurance plan and make sure you have coverage to keep your most valuable asset protected.

Also keep in mind that damage to your home can come from non-environmental sources such as a thief breaking into your home. Forced entry causes a great deal of damage to doors and windows, any decorations and personal items get ransacked.

If you have a leak in your home, you are responsible for having the leak repaired, but the structural damage caused by the leak is often covered by your home insurance plan. The cost of repairing a leak is small compared to the cost of repairing the damage.

What else is covered? Falling trees, smashed cars into home, injury to farm animals (if you have them), earthquakes, explosions and lightning ... and so on. Yes, if your house is damaged do not worry if you are insured.

It is wise to have your home insured against all these dangers, but your insurance company will want to know if your house is in a high risk area. If so, then the highest risks are reflected in higher insurance premiums.

The home insurance coverage allows you to claim for the cost of repairs or complete reconstruction of the property, if you have permanent damage or the house is uninhabitable. If your home is uninhabitable, most policies will also allow for alternative housing during the repair work.

If you have a mortgage in Utah, your mortgage provider will require that the property is insured and insurance is maintained at all times. If not, then it is likely that the mortgage company will demand immediate repayment of the full outstanding mortgage.

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