Your Trusted
Insurance
Partner
Protect what matters most with personalized insurance solutions tailored for Utah families and businesses.
20+
Years of Experience
AUTO
INSURANCE
Auto insurance is a complicated matter. Many people have an insurance policy but don't truly understand what it covers or how their premiums protect them.
HOME
INSURANCE
When people shop for home insurance, they are actually seeking out just one type of coverage but possibly several different types that protect their home.
COMMERCIAL
INSURANCE
Business owners should carefully consider their commercial insurance needs, which offer a range of risk protections. Here are some common frameworks we encounter:
LIFE
INSURANCE
Purchasing life insurance is one of the most important financial moves you can make. The coverage from this type of policy extends to more than just you.
Our Client Reviews
Don't just take our word for it. See what our satisfied customers have to say about their experience with our insurance services.
Austin Livingston
"I've worked with Chris since 2013 and he's always been prompt in helping me out with my vehicle and other types of insurance. I even used them for life insurance and Chris made a house call to administer a test."
Seth Bowen
"Chris is a stud. He's always there when I need him. He responds quickly and is super helpful. We've run all our insurance (biz & personal) through him for over 10 years. He's been a vital part of protecting our growing business. I've recommended him over and over again."
Brian White
"We have used Chris for 10 years now. He is always prepared with at least 5 quotes and is super easy to deal with. We need insurance certificates all the time and we almost always get them the same day. He insures my business and personal vehicles and buildings."
Carlos Cruz
"I needed insurance for my business, and Chris was recommended by one of my friends. I have been happier with the service I received; easy to work with and very responsive; I can say I'll be continued doing business with Intermountain Insurance for years to come."
John at Pioneer Roofing
"A great team! Both Chris and Steve are very responsive, and they are always quick to get back with me and resolve any problems I'm having. I've been with them for twenty plus years."
John Reed
"Best Insurance company! Saved me a ton of money! They work with lots of the major insurance companies so they could get me the best quote. Great customer service! Great to work with!"
Frequently Asked Questions
Find answers to the most common questions about our insurance services and coverage options.
What does auto insurance liability coverage include?
Auto insurance liability coverage includes both bodily injury and property damage protection. It covers medical expenses and legal costs if you're at fault in an accident that injures others, as well as repairs or replacement of other people's property that you damage. This is the minimum coverage required by law in most states.
What's the difference between collision and comprehensive auto coverage?
Collision coverage pays for damage to your vehicle from accidents with other cars or objects like trees and poles. Comprehensive coverage protects against non-collision events like theft, vandalism, fire, hail, floods, and hitting animals. Both coverages help repair or replace your vehicle, but they protect against different types of incidents.
Does homeowners insurance cover flooding?
Standard homeowners insurance does not cover flood damage. Flooding is considered a separate peril that requires a specific flood insurance policy, typically through the National Flood Insurance Program (NFIP) or private insurers. If you live in a flood-prone area, we strongly recommend adding flood coverage to protect your home and belongings.
What's the difference between replacement cost and actual cash value for home insurance?
Replacement cost coverage pays to rebuild or repair your home and replace belongings at today's prices without deducting for depreciation. Actual cash value coverage factors in depreciation, paying what your property was worth at the time of loss. Replacement cost coverage typically costs more but provides better protection for your investment.
Do I need commercial insurance if I work from home?
It depends on your business activities. If you have clients visiting your home, store business inventory, or have employees, your homeowners policy may not cover business-related claims. A home business endorsement or separate commercial policy can protect against professional liability, business property damage, and other commercial risks your homeowners policy excludes.
What's included in a Business Owner's Policy (BOP)?
A Business Owner's Policy (BOP) combines essential commercial coverages into one convenient package. It typically includes general liability insurance, commercial property insurance, and business interruption coverage. This comprehensive policy protects against customer injuries, property damage, equipment theft, and lost income due to covered events, making it an ideal solution for small to medium-sized businesses.
What's the difference between term and whole life insurance?
Term life insurance provides coverage for a specific period (like 10, 20, or 30 years) at a lower cost but has no cash value. Whole life insurance provides permanent coverage for your entire lifetime, builds cash value you can borrow against, but costs significantly more. The choice depends on your budget, coverage needs, and financial goals.
How much life insurance coverage do I need?
A common rule of thumb is 10-12 times your annual income, but your actual needs depend on your debts, family size, future expenses (like college tuition), and existing savings. Consider factors like mortgage balance, children's ages, spouse's income, and final expenses. We can help you calculate the right coverage amount based on your specific family situation and financial obligations.
How can I get an insurance quote?
Getting a quote is quick and easy for any type of insurance we offer. You can get an instant online quote through our website, call us directly, or schedule a consultation with one of our local agents. We'll compare multiple carriers to find you the best coverage at the most competitive price available, whether you need auto, home, commercial, or life insurance.
Still have questions?
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