https://www.tommythomseninsurance.com/blog daily 0.75 2026-09-17 https://www.tommythomseninsurance.com/blog/why-you-should-have-your-own-life-insurance-not-just-rely-on-work-provided-coverage monthly 0.5 2026-09-17 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/4c60839e-9e2a-4b43-8f4c-15f87c6f071d/ChatGPT+Image+Sep+16%2C+2026%2C+05_15_47+PM+%281%29.png Blog - Why You Should Have Your Own Life Insurance — Not Just Rely on Work-Provided Coverage - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/56a709f4-b3c4-4d9e-82c2-968beb86e6c4/ChatGPT+Image+Sep+16%2C+2026%2C+05_15_47+PM+%282%29.png Blog - Why You Should Have Your Own Life Insurance — Not Just Rely on Work-Provided Coverage - Here's the part that catches people off guard the most: employer-provided life insurance typically ends when your employment does. That means if you: Leave your job for a new opportunity Get laid off Retire Become unable to work due to illness or injury ...your coverage can disappear right along with your paycheck — often at the exact moment your family can least afford to lose that protection. A policy you own yourself stays with you, regardless of where you work or whether you're working at all. Consider a scenario like this: someone is diagnosed with a serious, terminal illness. As treatment intensifies, they're no longer able to keep working, so they leave their job during their final year. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/b8f3ef99-913f-470c-8922-086b37aed5fa/ChatGPT+Image+Sep+16%2C+2026%2C+05_15_47+PM+%283%29.png Blog - Why You Should Have Your Own Life Insurance — Not Just Rely on Work-Provided Coverage - If you wait until you leave your job to think about life insurance, you may need to apply as an individual for the first time, often later in life or after a health change. Many personal life insurance policies are medically underwritten, meaning your age and health at the time of application affect your eligibility and your rate. Buying a policy while you're younger and healthy generally means better rates and fewer complications. Waiting until you actually need to replace your work coverage — often during a stressful job transition — is the hardest possible time to be shopping for a new policy. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/2060b82a-e34c-4b75-8160-0d62f0af97db/ChatGPT+Image+Sep+16%2C+2026%2C+05_15_48+PM+%284%29.png Blog - Why You Should Have Your Own Life Insurance — Not Just Rely on Work-Provided Coverage Think of it this way: your work life insurance can be a nice supplement, but it shouldn't be the foundation your family's financial security rests on. A policy you own is one less thing tied to your job status, your employer's benefits decisions, or a layoff that's completely outside of your control. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/34e5bafc-c59a-40bb-8c5c-98e803505b1c/ChatGPT+Image+Sep+16%2C+2026%2C+05_15_48+PM+%285%29.png Blog - Why You Should Have Your Own Life Insurance — Not Just Rely on Work-Provided Coverage - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.tommythomseninsurance.com/blog/why-your-roofs-age-can-affect-your-homeowners-insurance monthly 0.5 2026-09-15 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/f5b6abcb-4984-460b-8c5b-b21c45d7ba0c/ChatGPT+Image+Sep+15%2C+2026%2C+09_20_41+AM+%281%29.png Blog - Why Your Roof’s Age Can Affect Your Homeowners Insurance - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/cbfd8d6f-543f-4a71-ba10-11da3daa01fe/ChatGPT+Image+Sep+15%2C+2026%2C+09_20_41+AM+%282%29.png Blog - Why Your Roof’s Age Can Affect Your Homeowners Insurance - Insurance companies consider the age and condition of a roof because an aging roof generally has a greater chance of experiencing damage. Depending on the insurance company, an older roof may: Require an inspection Affect your homeowners insurance premium Be covered at Actual Cash Value instead of Replacement Cost Have a special roof payment schedule Have a different wind or hail deductible Limit the companies willing to insure the home https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1d7f38c3-c85a-4ca7-9231-bc832464625f/ChatGPT+Image+Sep+15%2C+2026%2C+09_20_41+AM+%283%29.png Blog - Why Your Roof’s Age Can Affect Your Homeowners Insurance - This is one of the most important things to understand about an aging roof. Replacement Cost coverage may help pay the cost of repairing or replacing a covered damaged roof with comparable materials without permanently subtracting depreciation. Actual Cash Value coverage takes depreciation into consideration. As the roof gets older, that can mean a substantially lower claim payment. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/bdb9d807-fa2b-48ea-910b-09e0eb0766ab/ChatGPT+Image+Sep+15%2C+2026%2C+09_20_42+AM+%284%29.png Blog - Why Your Roof’s Age Can Affect Your Homeowners Insurance - This is another important distinction. Homeowners insurance is designed to cover damage caused by covered events—not normal aging, wear and tear, or a roof that simply reaches the end of its useful life. An old roof that needs replacement because it has worn out is generally a maintenance responsibility for the homeowner. But the condition of that aging roof can still affect how an insurance company views the home and how a future covered roof claim may be settled. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/a7ae840d-0231-40a8-ad53-278c252c9544/ChatGPT+Image+Sep+15%2C+2026%2C+09_20_44+AM+%285%29.png Blog - Why Your Roof’s Age Can Affect Your Homeowners Insurance - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.tommythomseninsurance.com/blog/should-i-tell-my-insurance-company-about-a-finished-basement-or-home-remodel monthly 0.5 2026-09-10 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/bf6d36fe-2c23-4626-ad27-ed91e3fb38e5/ChatGPT+Image+Sep+10%2C+2026%2C+08_33_45+AM+%281%29.png Blog - Should I Tell My Insurance Company About a Finished Basement or Home Remodel? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/16f9f662-c2c1-43bd-abb5-e13f8ca71d87/ChatGPT+Image+Sep+10%2C+2026%2C+08_33_45+AM+%282%29.png Blog - Should I Tell My Insurance Company About a Finished Basement or Home Remodel? - Suppose you purchase a home with an unfinished basement. A few years later, you spend $75,000 turning it into finished living space with: Two Bedrooms A bathroom New flooring Drywall and insulation Built-in cabinets A family room A home theater https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/655efc20-3f45-4a01-8c08-88b4263f048d/ChatGPT+Image+Sep+10%2C+2026%2C+08_33_47+AM+%283%29.png Blog - Should I Tell My Insurance Company About a Finished Basement or Home Remodel? - You should consider contacting your insurance agent when making significant changes such as: Finishing a basement Adding a bedroom or bathroom Building an addition Remodeling a kitchen Installing high-end flooring or cabinetry Adding a garage or detached structure Converting a garage into living space Completing major electrical, plumbing, or HVAC upgrades https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/e24d54ab-5854-48c1-8379-f44fd42d9450/ChatGPT+Image+Sep+10%2C+2026%2C+08_33_47+AM+%284%29.png Blog - Should I Tell My Insurance Company About a Finished Basement or Home Remodel? - It is also a good idea to contact your agent before beginning a major renovation. Construction can temporarily change the risks at your property, especially when walls are opened, major structural work is taking place, or the home will be vacant during construction. Your agent can review the project and determine whether your existing homeowners policy remains appropriate or whether additional coverage should be considered. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/c1d88d5b-4ad1-42f2-bcbb-7484a43af744/ChatGPT+Image+Sep+10%2C+2026%2C+08_33_47+AM+%285%29.png Blog - Should I Tell My Insurance Company About a Finished Basement or Home Remodel? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.tommythomseninsurance.com/blog/replacement-cost-vs-actual-cash-value-why-it-matters-after-a-claim monthly 0.5 2026-09-08 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/4fe30a77-0ab1-4398-80df-135db6e77f4c/blog-hero-image.png Blog - Replacement Cost vs. Actual Cash Value: Why It Matters After a Claim - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/05e51558-a903-4f4b-8543-f40170ad43ac/blog-inline-1-actual-cash-value.png Blog - Replacement Cost vs. Actual Cash Value: Why It Matters After a Claim - Actual Cash Value is the cost to repair or replace damaged property, minus depreciation. In simple terms, it accounts for wear and tear. Let's say your roof is 15 years old and gets destroyed in a windstorm. A brand-new roof might cost $12,000 to install. But because your old roof was already partway through its useful lifespan, the insurance company will subtract depreciation from that $12,000 — potentially leaving you with a check for $6,000 or less. You'd be responsible for covering the rest out of pocket. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/d9ac54c0-0f74-453d-ad43-3c9590d914ac/blog-inline-2-replacement-cost-value.png Blog - Replacement Cost vs. Actual Cash Value: Why It Matters After a Claim - Replacement Cost Value covers the cost to repair or replace damaged property with a similar new item, without deducting for depreciation. Using the same roof example, an RCV policy would pay closer to the full $12,000 needed to install a new roof, regardless of the age of the one that was destroyed. RCV coverage generally comes with a higher premium than ACV, but it's designed to make you financially whole after a loss — putting you back in the position you were in before the damage occurred, rather than leaving you to absorb the depreciation gap yourself. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/f91bf686-ada0-4186-b4da-a1e3396bdd6d/blog-inline-3-choosing-coverage.png Blog - Replacement Cost vs. Actual Cash Value: Why It Matters After a Claim - There's no single right answer — it depends on your budget, your risk tolerance, and what you're insuring. A few things worth thinking through: • Older items or property may not be worth insuring at full replacement cost if depreciation is steep and the item is nearing end of life. • Your home's structure is usually best protected with replacement cost coverage, since rebuilding costs don't shrink just because your house has aged. • High-value belongings (electronics, furniture) can benefit from RCV endorsements that guarantee full replacement rather than a depreciated payout. • Your budget matters too — RCV costs more upfront, so it's worth weighing the extra premium against your potential out-of-pocket exposure in a claim. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/2bafe87e-d3d5-43e3-ab04-b59c08498c5d/blog-cta-banner.png Blog - Replacement Cost vs. Actual Cash Value: Why It Matters After a Claim - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.tommythomseninsurance.com/blog/does-homeowners-insurance-cover-earthquakes-in-utah monthly 0.5 2026-09-03 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/b28d93c6-5656-4c6f-a792-d607ec37a122/ChatGPT+Image+Aug+28%2C+2026%2C+09_54_54+AM+%281%29.png Blog - Does Homeowners Insurance Cover Earthquakes in Utah? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/c5837f6f-6db2-4153-8534-5804e9832f90/ChatGPT+Image+Aug+28%2C+2026%2C+09_54_55+AM+%282%29.png Blog - Does Homeowners Insurance Cover Earthquakes in Utah? - Earthquakes are not just a California problem. The Utah Insurance Department cites research showing a 43% chance of at least one magnitude 6.75 or greater earthquake occurring in the Wasatch Front region within a 50-year period. It also notes that hundreds of smaller earthquakes occur in the region each year. That makes earthquake coverage worth discussing for Utah homeowners. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/9523ce70-787f-44d6-8798-f80d987d9e7b/ChatGPT+Image+Aug+28%2C+2026%2C+09_54_55+AM+%283%29.png Blog - Does Homeowners Insurance Cover Earthquakes in Utah? - One of the biggest differences with earthquake insurance is the deductible. Instead of a flat deductible such as $1,000 or $2,500, earthquake deductibles are often calculated as a percentage of the coverage limit. For example, if your home is insured for $500,000 and your earthquake deductible is 10%, the deductible could be $50,000. Common earthquake deductibles may be 5%, 10%, or 20%, depending on the insurer and policy. In some policies, separate deductibles may apply to the dwelling, personal property, and other coverages. That makes it especially important to understand the deductible before purchasing the policy. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/07d129b4-2584-45cd-bd5f-1c8292ef5db5/ChatGPT+Image+Aug+28%2C+2026%2C+09_54_55+AM+%284%29.png Blog - Does Homeowners Insurance Cover Earthquakes in Utah? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.tommythomseninsurance.com/blog/do-stay-at-home-parents-need-life-insurance monthly 0.5 2026-09-01 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/a50f6e5f-370c-44ed-a492-88415c28e21b/stay+at+home+hero.png Blog - Do Stay-at-Home Parents Need Life Insurance? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/72460929-aad5-433c-8fa4-1ced26c992f8/What+would+it+replace.png Blog - Do Stay-at-Home Parents Need Life Insurance? - The stay-at-home parent handles: The stay-at-home parent handles: Childcare School drop-offs and pickups Cooking and meal preparation Cleaning and laundry Transportation to appointments and activities Homework and after-school care Managing the household Now imagine that parent unexpectedly passes away. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/93eedb58-8ab4-4b08-965d-c42c64268fc4/give+surviving+parent+options.png Blog - Do Stay-at-Home Parents Need Life Insurance? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/b2afb0b6-7458-4dae-82a8-18be69490d9c/Coverage+should+stay+at+home+have.png Blog - Do Stay-at-Home Parents Need Life Insurance? - Instead of looking at salary, think about what the family would need if that parent were no longer there. Ask questions like: What would childcare cost? How many years would we need that childcare? Would the surviving parent need to work fewer hours? Could we continue making the mortgage payment? Would we need help around the house? Are there other debts or expenses we would want covered? The Utah Insurance Department recommends considering the overall financial effects an unexpected death would have on the family when deciding how much life insurance is appropriate. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/4cc761b6-e7f3-4bd9-adeb-e05ddcb0b574/stay+at+home+cta.png Blog - Do Stay-at-Home Parents Need Life Insurance? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.tommythomseninsurance.com/blog/does-homeowners-insurance-cover-a-sewer-backup monthly 0.5 2026-08-28 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/b7cc8044-cfa5-4109-94b8-af1f04357d99/ChatGPT+Image+Aug+27%2C+2026%2C+03_35_17+PM+%281%29.png Blog - Does Homeowners Insurance Cover a Sewer Backup? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/20b064e8-500c-437e-b4de-cd33c7a6f195/ChatGPT+Image+Aug+27%2C+2026%2C+03_35_17+PM+%282%29.png Blog - Does Homeowners Insurance Cover a Sewer Backup? - Homeowners insurance covers many types of sudden damage, but sewer or drain backup is different. To protect against this type of loss, you generally need water or sewer backup coverage added to your homeowners policy through an endorsement. The Utah Insurance Department specifically identifies Sewer Back-up and Sump Pump Overflow Coverage as additional coverage that may be available for an extra premium. Depending on the policy, this additional coverage may help pay for damage to your home and belongings caused by water backing up through a sewer or drain or overflowing from a sump pump. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/62b7d63d-352f-4033-9c58-189841000f50/ChatGPT+Image+Aug+27%2C+2026%2C+03_35_18+PM+%284%29.png Blog - Does Homeowners Insurance Cover a Sewer Backup? - By the time they return, they may need to: Remove damaged flooring Cut out contaminated drywall Replace furniture and belongings Hire professional water-remediation services Clean and disinfect the basement Repair or replace damaged finishes The bill can quickly reach thousands—or tens of thousands—of dollars. Without the proper endorsement, the homeowner could discover that their standard policy does not cover the loss. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/bf42de2a-3b67-4562-9122-7ab972b5471d/ChatGPT+Image+Aug+27%2C+2026%2C+03_35_18+PM+%283%29.png Blog - Does Homeowners Insurance Cover a Sewer Backup? - This is where homeowners insurance can become confusing. Some water losses may be covered by a standard policy. For example, sudden water damage caused by a burst pipe may be covered depending on the circumstances and policy. But water that backs up through a sewer or drain is generally treated differently. The Utah Insurance Department specifically lists water damage from backed-up drains or sewers as something not covered under most standard homeowners policies. That is why simply asking, “Do I have water damage coverage?” is not enough. You should ask: “Do I specifically have sewer or water backup coverage?” https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/a06dd389-79c2-4393-b6d7-068fc2f691aa/ChatGPT+Image+Aug+27%2C+2026%2C+03_35_18+PM+%285%29.png Blog - Does Homeowners Insurance Cover a Sewer Backup? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.tommythomseninsurance.com/blog/what-does-full-coverage-auto-insurance-actually-mean monthly 0.5 2026-08-26 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/7228a835-4bff-404d-89e0-c54e1b27c68d/ChatGPT+Image+Aug+25%2C+2026%2C+01_58_33+PM+%281%29.png Blog - What Does Full Coverage Auto Insurance Actually Mean? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/e44e16c6-149a-4eb3-91bb-bcdda1fa78ab/ChatGPT+Image+Aug+25%2C+2026%2C+01_58_34+PM+%282%29.png Blog - What Does Full Coverage Auto Insurance Actually Mean? - Most people use the phrase to describe three main coverages: Liability Coverage Liability insurance helps pay for injuries or property damage you are legally responsible for causing to someone else. Having comprehensive and collision does not automatically mean you have strong liability limits. You could have what someone calls “full coverage” and still carry very low liability limits. Collision Coverage Collision coverage helps pay for damage to your vehicle after a covered collision. You also choose a deductible, such as $500, $1,000, or another amount. Comprehensive Coverage Comprehensive coverage helps protect your vehicle from certain losses that are not traditional collisions, such as: Theft Hail Fire Vandalism Flood Hitting an animal Again, having all three does not mean everything is covered. There is still no true “full coverage” policy. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/d394284c-8378-46bb-8874-9f3d463a4bb6/ChatGPT+Image+Aug+25%2C+2026%2C+01_58_34+PM+%283%29.png Blog - What Does Full Coverage Auto Insurance Actually Mean? - A policy with liability, comprehensive, and collision may still leave out important protections such as: Rental reimbursement — Helps pay for a rental vehicle while your car is being repaired after a covered loss. Roadside assistance — Helps with certain towing or roadside expenses. Uninsured motorist coverage — Can help protect you if the at-fault driver does not have insurance. Underinsured motorist coverage — Can help when the at-fault driver has insurance, but not enough to cover your injuries. Your limits and deductibles also matter just as much as the names of the coverages. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/44841826-49f8-44ed-8d80-e0ed11d9bc6b/ChatGPT+Image+Aug+25%2C+2026%2C+01_58_34+PM+%284%29.png Blog - What Does Full Coverage Auto Insurance Actually Mean? - One driver might have: Liability: 30/65/25 Collision deductible: $2,000 Comprehensive deductible: $1,000 Rental coverage: None Another might have: Liability: 250/500/100 Collision deductible: $500 Comprehensive deductible: $250 Rental coverage: Included Both may tell their friends they have “full coverage.” Clearly, they do not have the same protection. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/e58bc024-d225-4d00-9660-e16203e5b92b/ChatGPT+Image+Aug+25%2C+2026%2C+01_58_35+PM+%286%29.png Blog - What Does Full Coverage Auto Insurance Actually Mean? - Instead, ask your insurance agent: What are my liability limits? What are my comprehensive and collision deductibles? Do I have uninsured and underinsured motorist protection? Do I have rental reimbursement? Do I have roadside assistance? What happens if my vehicle is totaled? Are there any important coverages I declined? Your declarations page should show the actual coverages, limits, and deductibles on your policy. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1789c285-7673-42f1-8f6a-c6d069de4445/ChatGPT+Image+Aug+25%2C+2026%2C+01_58_35+PM+%285%29.png Blog - What Does Full Coverage Auto Insurance Actually Mean? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.tommythomseninsurance.com/blog/why-your-homes-rebuild-cost-is-different-from-its-market-value monthly 0.5 2026-08-25 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/f2ce6929-c2b4-4bf0-961d-98ff8560c6f2/ChatGPT+Image+Aug+21%2C+2026%2C+11_41_39+AM+%281%29.png Blog - Why Your Home’s Rebuild Cost Is Different From Its Market Value - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/a773f5cb-8aa3-4064-ab70-521483fbce69/ChatGPT+Image+Aug+21%2C+2026%2C+11_41_39+AM+%282%29.png Blog - Why Your Home’s Rebuild Cost Is Different From Its Market Value - Market value is what a buyer may be willing to pay for the property. property. That number can be heavily influenced by: The value of the land Neighborhood and school district Location Housing supply and demand Interest rates The local real estate market Your homeowners policy is not trying to insure those factors. If your house burns down, you normally still own the land and still have the same location. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/ea0f5d3a-c0d6-4b85-957b-2844b13ed28e/ChatGPT+Image+Aug+21%2C+2026%2C+11_41_40+AM+%283%29.png Blog - Why Your Home’s Rebuild Cost Is Different From Its Market Value - This is the part that surprises many homeowners. A home might sell for $450,000 but cost $550,000 or more to completely rebuild. Why? Building one house after a fire can be much more expensive per square foot than constructing hundreds of homes in a new development. After a major disaster, labor and material costs can also increase because many homeowners are competing for the same contractors and supplies. Construction costs, labor costs, materials, inflation, and characteristics of the home all affect what it may cost to rebuild. (Utah Insurance Department) https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/159dd931-7eeb-43a5-a45b-63ae4c3fdefc/ChatGPT+Image+Aug+21%2C+2026%2C+11_41_40+AM+%284%29.png Blog - Why Your Home’s Rebuild Cost Is Different From Its Market Value - Your market value can also be much higher than the rebuild cost. A home in a highly desirable neighborhood may sell for $900,000 because the land and location are extremely valuable. That does not necessarily mean it would cost $900,000 to reconstruct the house. Again, market value answers “What could I sell this property for?” Rebuild cost answers “What could it cost to build this house again?” For home insurance, the second question is the important one. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/b992895f-a330-42fe-a000-ade6ec2b0be0/ChatGPT+Image+Aug+21%2C+2026%2C+11_41_40+AM+%285%29.png Blog - Why Your Home’s Rebuild Cost Is Different From Its Market Value - Make it stand out If your dwelling coverage is too low, a major loss could leave you without enough insurance to fully rebuild. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/18d150ca-290f-4dd9-a315-37a3f892da95/ChatGPT+Image+Aug+21%2C+2026%2C+11_41_40+AM+%286%29.png Blog - Why Your Home’s Rebuild Cost Is Different From Its Market Value - Make it stand out If you are unsure why your insurance value is different from your home's market value—or whether your current coverage is enough—let us take a look. Request a homeowners insurance quote through our website or call Tommy Thomsen Insurance at 801-982-7200. We will explain your coverage in plain language and help you protect the home you have worked hard to build. This article provides general insurance information and is not a guarantee of coverage or reconstruction cost. Replacement-cost estimates, policy limits, coverage, exclusions, and claim payments vary by property, insurer, policy, and circumstances of the loss. https://www.tommythomseninsurance.com/blog/do-you-really-need-an-umbrella-insurance-policy monthly 0.5 2026-08-25 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787095003054-F222UT6YBH9C4W6KDSGJ/ChatGPT-Image-Aug-18-2026-04_45_58-PM-1.png Blog - Do You Really Need an Umbrella Insurance Policy? - Make it stand out You may have good auto and homeowners insurance, but one serious accident can create damages that go far beyond the liability limits on those policies. That is where umbrella insurance comes in. An umbrella policy provides an additional layer of liability protection above policies such as your auto or homeowners insurance when a covered claim exceeds those underlying limits. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787095003369-EDCKR6D2NAEA1CZKDXKR/ChatGPT-Image-Aug-18-2026-04_45_58-PM-2.png Blog - Do You Really Need an Umbrella Insurance Policy? - Imagine you cause a serious accident involving several people. Medical treatment, lost wages, rehabilitation, and other damages eventually total $750,000. Your auto insurance provides $250,000 of liability coverage. Once that $250,000 limit is exhausted, there could still be $500,000 in damages for which you may be legally responsible. If you had a $1 million umbrella policy that applied to the loss, it could provide another layer of liability coverage above your auto policy, subject to the umbrella policy’s limits, terms, and exclusions. Without that protection, the financial consequences could extend far beyond the accident itself. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787095003662-4BGAYV8KDKP1S5Z98PZQ/ChatGPT-Image-Aug-18-2026-04_45_59-PM-3.png Blog - Do You Really Need an Umbrella Insurance Policy? - Think of your liability insurance in layers. Your auto and homeowners policies provide the first layer. The umbrella sits above them. For example: Auto liability limit: $250,000 Covered liability claim: $600,000 Amount above the auto limit: $350,000 If the claim qualifies, the umbrella policy may provide coverage for that amount above the underlying auto limit, subject to its own terms and limits. Umbrella insurers generally require certain minimum liability limits on the underlying policies. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787095003863-D0388XU8IRID863PH529/ChatGPT-Image-Aug-18-2026-04_45_59-PM-4.png Blog - Do You Really Need an Umbrella Insurance Policy? - When deciding whether you need umbrella insurance, do not only ask: “How much money do I have right now?” Instead ask: “What could I lose financially if I caused a serious accident or was responsible for a major liability claim?” Your home, savings, investments, and future earnings may all be important parts of that conversation. At Tommy Thomsen Insurance, we can review your existing auto and homeowners liability limits and show you how an umbrella policy could add another layer of protection. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787095004166-ZLVPAKOR4FC26RFW38U7/ChatGPT-Image-Aug-18-2026-04_45_59-PM-5.png Blog - Do You Really Need an Umbrella Insurance Policy? - Make it stand out A serious accident can create financial consequences that last much longer than the accident itself. Request an insurance review through our website or call Tommy Thomsen Insurance at 801-982-7200. We will explain how umbrella insurance works, review your current liability limits, and help you determine the amount of additional protection that fits your situation. This article provides general insurance information and is not legal or financial advice. Garnishment and collection laws include limitations and exemptions. Umbrella coverage, underlying limit requirements, exclusions, premiums, and claim payments vary by insurer, policy, and circumstances. https://www.tommythomseninsurance.com/blog/why-utahs-state-minimum-auto-insurance-may-not-be-enough monthly 0.5 2026-08-25 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094998215-14F35XCJGBPMTSKBKZ17/ChatGPT-Image-Aug-14-2026-01_47_14-PM-1.png Blog - Why Utah’s State Minimum Auto Insurance May Not Be Enough - Make it stand out When shopping for auto insurance, it can be tempting to choose the cheapest option available. For many drivers, that means selecting Utah’s state minimum liability limits. The problem? The state minimum is designed to meet the legal requirement to drive—not necessarily to protect everything you own. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094998664-SYJH9I5NE2G32FT356YP/ChatGPT-Image-Aug-14-2026-01_47_14-PM-2.png Blog - Why Utah’s State Minimum Auto Insurance May Not Be Enough - Utah currently requires minimum auto liability limits of 30/65/25 $30,000 for bodily injury to one person $65,000 for bodily injury to two or more people in one accident $25,000 for damage to someone else’s property Those numbers may sound substantial until you consider what a serious accident can actually cost. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787095000564-WAT3RUEDR98GELK2HRYC/ChatGPT-Image-Aug-14-2026-01_47_14-PM-3.png Blog - Why Utah’s State Minimum Auto Insurance May Not Be Enough - Imagine you look down for just a second and run a red light. You hit another vehicle carrying a husband, wife, and their child. One person needs emergency surgery. Another spends several days in the hospital and cannot return to work for months. Between ambulance bills, hospital care, surgery, rehabilitation, lost income, and other damages, the total claim reaches $250,000. You carry Utah’s state minimum bodily injury coverage: $30,000 per person and $65,000 per accident. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787095002664-YBTS089SZH7SHLV3XAZY/ChatGPT-Image-Aug-14-2026-01_47_15-PM-5.png Blog - Why Utah’s State Minimum Auto Insurance May Not Be Enough - There is nothing wrong with wanting affordable insurance. But saving money on your premium should be balanced with how much financial risk you are willing to keep yourself. Utah requires drivers to carry liability insurance, but meeting the legal minimum and being adequately protected are two different things. At Tommy Thomsen Insurance, we can show you different coverage options and explain exactly what increasing your liability limits would cost. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787095002863-IRBYJMPMR1UYYAWYU7KW/ChatGPT-Image-Aug-14-2026-01_47_15-PM-6.png Blog - Why Utah’s State Minimum Auto Insurance May Not Be Enough - Make it stand out If you are currently carrying Utah’s state minimum coverage, let us show you what additional protection may cost before your next accident decides the question for you. Request an auto insurance quote through our website or call Tommy Thomsen Insurance at 801-982-7200. We will explain your options in plain language and help you find the balance between affordable insurance and protecting what you have worked hard to build. This article provides general insurance information and is not legal or financial advice. Coverage, limits, exclusions, premiums, and claim payments depend on the applicable insurance policy and circumstances of the loss. https://www.tommythomseninsurance.com/blog/why-renters-insurance-provided-by-your-apartment-complex-may-not-fully-protect-you monthly 0.5 2026-08-25 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094997277-LMGNHOQGU4PR85GOC4EX/ChatGPT-Image-Aug-11-2026-11_41_13-AM-1.png Blog - Why Renters Insurance Provided by Your Apartment Complex May Not Fully Protect You - Make it stand out Many apartment communities require renters insurance and may automatically enroll residents in a liability or insurance program. That may satisfy the lease requirement, but it does not necessarily mean your belongings, temporary living expenses, or personal liability are fully protected. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094997363-L38MUZGSLZIFFA1J0PPY/ChatGPT-Image-Aug-11-2026-11_41_14-AM-2.png Blog - Why Renters Insurance Provided by Your Apartment Complex May Not Fully Protect You - Every apartment program is different, but coverage may be limited. It may not fully protect: Furniture, electronics, clothing, and personal belongings Hotel or temporary housing expenses Theft away from your apartment Personal liability if someone is injured Damage you accidentally cause to someone else’s property Jewelry, computers, or other higher-value items Do not assume that an “insurance” charge on your rent provides the same protection as your own renters insurance policy. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094997746-IJR8AF5SMCDON6W2W38Y/ChatGPT-Image-Aug-11-2026-11_41_15-AM-3.png Blog - Why Renters Insurance Provided by Your Apartment Complex May Not Fully Protect You - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094997863-0PN25EVZYPJXDTZCUFRN/ChatGPT-Image-Aug-11-2026-11_41_15-AM-4.png Blog - Why Renters Insurance Provided by Your Apartment Complex May Not Fully Protect You - A personal renters policy typically provides three key types of coverage: Personal Property: Helps repair or replace covered belongings after events such as theft, fire, vandalism, or certain types of water damage. Personal Liability: Helps protect you if you are legally responsible for injuring someone or damaging their property. Additional Living Expenses: Can help pay additional costs for temporary housing when a covered loss makes your apartment unlivable. Your landlord protects the building. Renters insurance helps protect you and your belongings. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094998121-7ILC0O6BNH0W8CC0DWW1/ChatGPT-Image-Aug-11-2026-11_41_15-AM-5.png Blog - Why Renters Insurance Provided by Your Apartment Complex May Not Fully Protect You - Make it stand out This article provides general information and is not a guarantee of coverage. Apartment insurance programs and renters insurance policies vary by provider, policy, limits, exclusions, and circumstances of the loss. https://www.tommythomseninsurance.com/blog/using-life-insurance-as-mortgage-protection monthly 0.5 2026-08-25 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094996427-WVMH9HE5HXRVYVX7ND8C/ChatGPT-Image-Aug-5-2026-02_09_38-PM-1.png Blog - Using Life Insurance as Mortgage Protection - For many families, the mortgage is their largest monthly expense. The payment may depend on one or both spouses continuing to earn an income. But if one spouse unexpectedly passes away, the mortgage does not disappear. Life insurance can provide money that helps the surviving family continue making payments or pay off the remaining mortgage entirely. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094996702-BJUFPZKRQR1E0GX4H7HZ/ChatGPT-Image-Aug-5-2026-02_09_39-PM-4-1.png Blog - Using Life Insurance as Mortgage Protection - Life insurance can provide a death benefit that helps the surviving family: Pay off the remaining mortgage Continue making monthly payments Replace lost household income Cover property taxes, insurance, and other expenses Avoid being forced to sell the home immediately The goal is not simply to pay off a loan. It is to give your family the financial stability and time they may need to remain in their home and decide what comes next. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094996975-MMWM569HNUI42NRBW438/ChatGPT-Image-Aug-5-2026-02_09_39-PM-3.png Blog - Using Life Insurance as Mortgage Protection - Life insurance should not be confused with private mortgage insurance, commonly called PMI. PMI generally protects the mortgage lender if the borrower stops making payments. It does not provide money directly to the homeowner’s family. Life insurance pays a death benefit to the beneficiaries named in the policy. Those beneficiaries can decide how to use the money based on the family’s needs, including paying the mortgage, replacing income, or covering other expenses. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094997075-5F2Q13QP7UVSM8GAJMBH/ChatGPT-Image-Aug-5-2026-02_09_39-PM-2.png Blog - Using Life Insurance as Mortgage Protection - Mortgage protection is not only about covering the person with the highest income. A stay-at-home or lower-earning spouse may provide childcare, transportation, household management, and other services that would be expensive to replace. If the loss of either spouse would make it difficult for the family to remain in the home, life insurance for both spouses may be worth considering. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094997198-NLNPGO8PXTR5N8IS6HC2/ChatGPT-Image-Aug-5-2026-02_09_39-PM-5.png Blog - Using Life Insurance as Mortgage Protection - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.tommythomseninsurance.com/blog/why-you-should-call-your-insurance-agent-before-filing-a-claim monthly 0.5 2026-08-25 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094989562-Y6N1M2M7FUFVKNSFMZXW/ChatGPT-Image-Jul-31-2026-02_10_58-PM-1.png Blog - Why You Should Call Your Insurance Agent Before Filing a Claim - Insurance is designed to protect you when something goes wrong. However, not every small repair or minor loss should automatically become an insurance claim. Before filing a non-emergency home or auto claim, speak with your insurance agent. A short conversation can help you understand your deductible, review the estimated repair cost, and consider how the claim could affect your insurance history. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094993162-RNUMUZYNRLDP4X2ABMA7/ChatGPT-Image-Jul-31-2026-02_10_59-PM-3.png Blog - Why You Should Call Your Insurance Agent Before Filing a Claim - Imagine that a homeowner discovers water damage under a kitchen sink. Repairs are estimated at $1,500, and the policy has a $1,000 deductible. Even if the damage is covered, the potential payment may only be around $500. The homeowner must decide whether that payment is worth adding a claim to their insurance history. Before filing, consider: The estimated repair cost Your deductible The cause of the damage Whether additional damage may exist Your recent claims history Your agent can help you review these details, although the insurance company’s claims department makes the final coverage decision. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094994569-FPZ4HEQXMV8LV4TZQSON/ChatGPT-Image-Jul-31-2026-02_10_59-PM-4.png Blog - Why You Should Call Your Insurance Agent Before Filing a Claim - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.tommythomseninsurance.com/blog/employee-or-independent-contractor-what-utah-businesses-need-to-know monthly 0.5 2026-08-25 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094988110-P6B4OE9GZZ356CNDUTSA/ChatGPT-Image-Jul-30-2026-04_53_02-PM-1.png Blog - Employee or Independent Contractor? What Utah Businesses Need to Know - Hiring someone as an independent contractor can give a business flexibility. However, simply calling a worker a contractor—or paying them with a 1099—does not automatically make them one. Consider a Utah contractor who hires someone to help on several jobs. The worker is called a 1099 contractor, but the business sets his schedule, tells him how to complete each task, provides his tools, and pays him by the hour. If that worker is injured, the business may discover that he was actually functioning more like an employee. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094988357-JS4TZH9PC42HIZWJ5BQ9/ChatGPT-Image-Jul-28-2026-01_49_08-PM-2-1.png Blog - Employee or Independent Contractor? What Utah Businesses Need to Know - Utah workers’ compensation law focuses on the actual working relationship, not simply the title used in an agreement or the tax form issued at the end of the year. Under Utah law, an independent contractor generally must: Remain independent in how the work is completed. Not be subject to the hiring company’s routine control. Be hired for a definite job or specific piece of work. Be responsible for producing the agreed-upon result. The more control a business has over how, when, and where someone works, the more likely that person may be considered an employee. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094988700-DAH5NVQWQECVDNLWRYSA/ChatGPT-Image-Jul-30-2026-04_53_03-PM-3.png Blog - Employee or Independent Contractor? What Utah Businesses Need to Know The following simplified questions can help identify if a worker would be classified as an independent contractor or an employee. Answer each question based on how the working relationship operates in practice—not only what the contract or tax form says. Does the Worker Operate an Independent Business? A Yes answer generally supports independent-contractor status. Does the worker operate a separate business and offer similar services to other customers? Does the worker advertise their services and hold any required business, trade, or professional licenses? Has the worker invested in the equipment, facilities, or resources needed to operate their business? Can the worker make a profit or experience a financial loss based on their own pricing, expenses, and business decisions? https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094988756-MGSD8FS6VAR87BDFJ44A/ChatGPT-Image-Jul-30-2026-04_53_03-PM-4.png Blog - Employee or Independent Contractor? What Utah Businesses Need to Know - A worker is more likely to be an independent contractor when they: Operate an established business Serve multiple customers Advertise their services Control how the work is completed Invest in their own business Have an opportunity for profit or loss A worker is more likely to be an employee when the company: Sets their schedule Trains and supervises them Controls their work methods Requires personal service Maintains an ongoing relationship Pays them regularly for their time https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094988963-9AP64QVZUXKGXNZKYA5U/ChatGPT-Image-Jul-30-2026-04_53_04-PM-5.png Blog - Employee or Independent Contractor? What Utah Businesses Need to Know - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.tommythomseninsurance.com/blog/qv86oxuauigc8fy0z9hglg2zdgalp9 monthly 0.5 2026-08-18 https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094987609-KJWWS5UXFH676Q6CTS17/ChatGPT-Image-Jul-28-2026-01_49_07-PM-1.png Blog - Workers’ Compensation Insurance for Utah Businesses | Tommy Thomsen Insurance Running a business comes with risks, but few are as serious as someone getting hurt while working for you. Workers’ compensation helps protect your employees, contractors, business, and everything you have worked hard to build. https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094987521-R7RYMVQ76UJR6XYNVZX4/ChatGPT-Image-Jul-28-2026-01_49_08-PM-2.png Blog - Workers’ Compensation Insurance for Utah Businesses | Tommy Thomsen Insurance - Construction Helpers Can Create Additional Exposure https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094987812-YE1NB8QKTF9GU5Y40VV2/ChatGPT-Image-Jul-28-2026-01_49_08-PM-3.png Blog - Workers’ Compensation Insurance for Utah Businesses | Tommy Thomsen Insurance - Utah Coverage Can Begin With One Worker https://images.squarespace-cdn.com/content/v1/6a836af66d40571eaad198b2/1787094987972-8IKF381NK5B1IP78I3OX/ChatGPT-Image-Jul-28-2026-01_49_08-PM-4-1.png Blog - Workers’ Compensation Insurance for Utah Businesses | Tommy Thomsen Insurance - Request a Workers’ Compensation Quote Protect your employees, contractors, and business. Request a quote through our website or call Tommy Thomsen Insurance at 801-982-7200. 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