Home, Auto, and Commercial Insurance
Discover the best Home, Auto, or Commercial plan for you and your family today!
At Lake Point Insurance Agency, we specialize in providing comprehensive home and auto insurance solutions. To further increase our ability to provide you with tailored policies and top-rated providers, we're partnering with Hill Insurance and Investments! Whether you're safeguarding your home or ensuring your vehicles are covered, we're here to provide personalized service and expert guidance. Trust us to secure your peace of mind—contact us today to find the perfect insurance plan for your needs.
Home & Auto Insurance
What is usually covered with home insurance?
Homeowners insurance, often referred to as hazard insurance, can safeguard your residence and possessions against unforeseen damage and loss. Additionally, it can provide coverage for various financial aspects including injuries on your property, legal claims against you, temporary living expenses during home repairs or reconstruction, personal liability, and medical payments. But what does it usually cover?
Dwelling coverage
Home insurance's dwelling coverage can reimburse you for repairing or rebuilding your residence in the event it suffers damage or destruction from covered incidents like fire, hurricanes, hail, lightning, and other specified disasters in your policy. It's important to note that typical dwelling coverage excludes compensation for damages caused by floods, earthquakes, or regular wear and tear. These policies can be purchased in addition to your normal dwelling coverage. Reviewing your policy details will provide clarity on what is covered.
Personal property
Personal property coverage can compensate you for repairing or replacing belongings such as furniture, clothing, electronics, and other personal items if they are lost, stolen, or damaged due to a covered incident. Typically, policies offer coverage for a percentage (usually between 50% and 70%) of the home's insured value, although this varies among insurers. It's important to note that certain high-value items such as jewelry, furs, art, and collectibles may not be fully covered unless you opt for additional riders or endorsements to your policy.
Gaby B.
Super friendly and accommodating staff. Brittany went above and beyond for me finding new homeowners insurance after my old ins companies rates went through the roof. Not only did she find me a cheaper policy but now I have better coverage also. Very easy to work with. They will be my go to insurance agency for all my future needs.
THANK YOU !!!
Crystal K.
Absolutely love Dan and his team ! Prompt , caring , and I have full confidence that they get me the best deal for my family! From car to auto to home to health ! He’s your one stop shop!! Can’t go wrong !! Thanks guys for all your do for me and my Kaio family.
Meghan L.
Thanks to Dan making a post on FB I was able to connect with him. He has helped my family and my stress level so much words cannot explain. He was very patient and understanding of all my concerns and questions when it came to private health insurance. He also led me to help on getting lower home and auto insurance. I can’t thank him enough.
Bundling
Why should you bundle your home & auto?
Bundling your home and auto insurance is a great way to save money, with some insurers advertising discounts up to 30%. Beyond the financial savings, bundling simplifies your insurance management by consolidating policies with one provider. It also streamlines communication and claims processes, ensuring a smoother experience when dealing with your insurance needs. Moreover, bundling enhances your coverage options and provides comprehensive protection across all your assets.
Commercial & Workers Comp
Discover the best plans for you and your family today!
Secure your business's future with comprehensive Commercial Insurance and Workers' Compensation solutions from Lake Point Insurance. Our expert team understands the complexities of protecting your business assets and employees. Whether you need coverage for property, liability, or workers' compensation benefits, we provide tailored solutions to mitigate risks and ensure compliance with state regulations. Count on Lake Point Insurance to safeguard your business with reliable coverage and personalized service, empowering you to focus on what matters most—growing your business with confidence.
What does commercial insurance cover?
Commercial insurance is essential for safeguarding your business against unforeseen risks and losses. It provides protection from common challenges faced by business owners, including property damage, business interruption, theft, liability issues, and worker injuries. At Lake Point Insurance, we specialize in offering comprehensive coverage tailored to meet the unique needs of your business. Explore how commercial insurance can provide peace of mind and ensure continuity in operations. Learn more about what commercial insurance typically covers
Property damage
Commercial insurance includes coverage for property damage, protecting businesses from losses due to incidents like fire, theft, vandalism, and natural disasters. This insurance ensures that businesses can repair or replace damaged property, maintaining operational continuity and financial stability.
Business interruption
Commercial insurance covers business interruption by compensating businesses for lost income and necessary expenses during temporary closures caused by covered events like fires or natural disasters, helping maintain financial stability.
Theft
Commercial insurance covers theft by reimbursing businesses for stolen property and related financial losses, ensuring businesses can recover from theft-related damages and maintain operational stability.
Matt M.
Dan has done a fantastic job for us over the past several years! He has always been proactive and awesome to work with
Kelby S.
Lake Point Insurance has been very responsive to my needs, both personally and for business. Customer Service seems like a thing of the past with a lot of businesses as of late, but Lake Point still upholds the highest standards in this department and that is something I value.
Teresa P.
Everyone I've spoken with at Lake Point Insurance has always been very helpful, friendly, professional, & knowledgeable. I would recommend them to everyone!
Worker's Compensation
Getting workers' compensation insurance with us ensures compliance with Utah state law, which mandates that employers with employees must provide workers' compensation coverage. This insurance protects both employees and employers by providing financial assistance for medical expenses and lost wages in the event of work-related injuries or illnesses. By partnering with us for workers' comp, businesses not only fulfill legal requirements but also ensure that their workforce is protected, promoting a safe and secure workplace environment.
