Home Insurance

Advance Home Insurance

We browse through a wide variety of coverages and find the right one for you. Trust Advance Insurance to take care of all your homeowner insurance needs. We work with you to find the best coverage for all your needs. 

Get A Home Insurance Quote

Home Insurance for Individuals and Families in Orem, Salt Lake City, Provo, Las Vegas, Draper and Hesperia

It is crucial as a homeowner to protect your home with the right insurance policy. Home insurance can provide compensation in case your home or personal belongings are damaged or lost due to an accident or disaster.

The insurance professionals at Advance Insurance are dedicated to providing homeowners and their families with insurance to protect their home from the unexpected. We will help evaluate your home’s risks and provide the coverage you need.

Young Couple - Orem, Utah - Advance Insurance

What is Covered Under Home Insurance?

A basic home insurance policy covers four main areas:

Liability

Personal general liability under home insurance covers accidents of bodily injury and property damage someone else may suffer. For example, if a visitor trips and falls in your home, liability insurance can help pay for their medical bills. It can also protect you in case of a lawsuit regarding these types of accidents. Liability can also extend to cover damage and injuries caused by your children or pets. If your pet bites someone, or if your child accidentally breaks someone’s window with a baseball, liability insurance can help pay for the related expenses.

Dwelling

Dwelling coverage provides compensation for damages to the physical home and its attached structures. It covers against a list of perils, including fire, wind, hail, lightning, smoke, explosions, falling objects, theft and vandalism. This does not generally cover things such as fences and outdoor signs.

Personal Belongings

Personal belongings coverage provides compensation if your personal items are lost or damaged due to many of the same perils as covered by dwelling insurance. There are also optional policy floaters available to cover your expensive items such as jewelry, furs, art and electronics.

Additional Living Expenses

Additional living expense coverage helps cover costs related to temporarily moving if your home is rendered uninhabitable by a disaster. If a hurricane sweeps in and destroys your home, for example, this coverage can help with the cost of food, temporary shelter and more.

How is Home Insurance Calculated?

Home insurance premiums are primarily based on how at risk you are of filing a claim. The more likely you are to file a claim, the more you may pay for home insurance. Factors that may influence your risk include your location, value of the home, credit score, claims history, coverage limits and more.

Protect Your Home

Protect your home with the policy it needs at a price you deserve. Call Advance Insurance at801-226-1100 or fill out an online quote form to get started today.

Common Home Insurance Questions

  • How Far in Advance Can I Buy Home Insurance?

    In general, you should purchase home insurance by the time you sign to purchase the house and before you move in. This ensures you will be covered by the time you pick up the keys.

  • How Much Does Home Insurance Cost?

    In general, you should purchase home insurance by the time you sign to purchase the house and before you move in. This ensures you will be covered by the time you pick up the keys.

  • Why is Home Insurance Important?

    Home insurance is crucial for protecting your home and everything inside. Without home insurance, you could face expensive damages and lawsuits all out of pocket out of an accident or disaster. Home insurance helps you bear the brunt of these expenses so you can recover and move on quickly.

  • Does my home insurance have enough coverage?

    We insure homes for replacement value to rebuild the house not actual market value.

Three Persons Talking - Orem, Utah - Advance Insurance

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