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Homeowners Insurance

Choosing a solid home insurance policy is an important step and one you should put in the hands of trusted professionals. The agents at Wayne Peart Insurance Agencies can assist you in finding the best home insurance quotes in your area. You never know when something could go wrong, and having the proper insurance coverage could be a great benefit. Homeowners have to contend with severe weather and the possibility of a fire or theft, which is why investing in a comprehensive home insurance plan is a wise decision. Our home insurance agency is a family-owned business that provides personal service to each one of our customers and aims for your complete satisfaction.


The Best Homeowners Insurance in Utah

Wayne Peart Insurance Agencies can connect you with full-scope homeowners’ insurance that will provide substantial financial assistance for any covered losses. We understand that budgeting is a priority for our customers, so we emphasize finding the most cost-effective home insurance quotes. Our plans can even cover other structures on your property, such as a shed, detached garage, or fence too. Home insurance is designed to compensate you if you’re facing certain liabilities involving slip and fall accidents or damages to someone else’s property. You may be eligible to receive repayment for medical bills, legal fees, and other costs incurred as a result of the accident.When getting a mortgage and buying a home, lending institutions require home insurance for your home in Utah. In Utah, basic coverage will suffice. Nonetheless, because life is uncertain and you can confront weather-related events, unforeseen accidents, and more, it is best to secure coverage for your residence specific to the area or even neighborhood you live in. Wayne Peart Insurance Agencies can build a policy to include weather conditions specific to your area, so you can be at ease knowing your residence is secure.

Knowing where your residence is situated and the kinds of options available, Wayne Peart Insurance Agencies professionals can assemble various homeowners insurance quotes for you to select. Quotes and options for your home in Utah can include:

  • Liability coverage to protect against complications that homeowners typically come across
  • Specific situation devastation that is included in your policy
  • General coverage for your residence, outside property, and structures on your property
  • Coverage for collectors’ items like jewelry and art in the event of theft, if they are included in your plan
  • Supplementary coverage in the event you need temporary housing due to excessive damages to your residence

Selecting the right home insurance policy can save you considerable time if you ever find yourself dealing with the aftermath of a natural disaster. We can find you a policy that will pay to repair damages caused by various incidents, including fire and smoke, wind, flooding, and earthquake. Our home insurance agency is proud to offer our customers personal service and first-rate coverage at reasonable costs. Reach out to our team right away to learn about different home insurance policies and quotes.


Why Do I Need Homeowners Insurance?

Home insurance protects your home and all other aspects of your property while providing peace of mind. Look to Wayne Peart Insurance Agencies for reliable, affordable homeowners insurance policies for Utah. Our homeowner’s insurance covers losses and damage to your house and belongings inside your dwelling. Homeowner’s insurance will also give liability coverage for mishaps that occur in your house or on your property.

When it comes to home policies, think protection from Wayne Peart Insurance Agencies. When a catastrophe strikes in Utah, most homeowners couldn’t pay to reconstruct a home and replace all the possessions therein. If you work with an expert insurance representative from Wayne Peart Insurance Agencies, we ensure that your policy covers everything you need it to and at the price point that works for your family.

A benefit of working with our agents is that if we cannot find a standard policy that meets your specifications, we can build one for you. There is much to mull over as you decide what coverage will be the best benefit to you. With an abundance of information to evaluate, it can be nerve-wracking. Thankfully, our licensed insurance representatives will guide you through the intricacies of homeowners insurance.


Types of Homeowners Insurance Policies

You will be responsible for rebuilding your home if damaged by a flood, fire, or natural disaster. Purchasing home insurance can restore your personal property or protect you if you are responsible for damage to another person’s property or an injury sustained on your property. Additionally, you could also receive coverage from taking care of court fees, food and lodging if you have to leave your home. Sitting down with an insurance agent can help you choose which type of insurance will be the best fit.

Choosing to buy a house is a substantial emotional and financial investment, and it is essential to protect that investment. Buying home insurance can be a great asset to make sure that you have coverage in case your home is destroyed or damaged.

From basic liability coverage to more comprehensive policies, homeowners insurance can vary in the coverage for the structure and your personal property in your home. Homeowner’s insurance can vary from simple liability coverage to more comprehensive policies that provide coverage for your home’s structure and personal property. Particular policies protect your house from flood, fire, or earthquake.

What your policy covers depends on the insurance brand that you buy. Talk to a qualified insurance agent from Wayne Peart Insurance Agencies today to find out what type of homeowners insurance best suits you.

  • HO-1 Policy: An HO-1 homeowners insurance policy provides you with essential coverage. It deals with damage caused by specific incidents, including fire, lightning, windstorms, hail, and explosions, and it only covers the dwelling but nothing inside. Since this policy is very limited, many states no longer offer it. Only very unique scenarios might get an HO-1 policy.
  • HO-2 Policy: This policy safeguards you against 16 types of events, including the resulting destruction from burglary, vandalism, or civil tension. An HO-2 policy will take care of hail damage, windstorm damage, and broken glass, as well as destruction caused by smoke and any damage contracted by a vehicle. If your pipes rupture or your roof collapses, this policy will also protect that.
  • HO-3 Policy: HO-3 policies cover all possible reasons for damage to your property and possession loss, except for specifically listed events. Exclusions vary from policy to policy, so read yours carefully to understand what will be excluded.
  • HO-4 Policy: Also called renters insurance, it protects a renter’s personal belongings and addresses their personal liability. It can help pay for the replacement of your property if it gets stolen or damaged by a covered incident.
  • Homeowners insurance typically takes care of the money it will cost to fix the compromised property, as well as the restoration costs if your home is damaged. It also covers your belongings, but the contents of your household are only covered for up to 40 percent of the home’s insured value. Supplementary coverage will protect you against earthquakes and floods and deal with the loss of private property like jewelry, computers, and cameras.


Contact Us

At Wayne Peart Insurance Agencies, we understand that one property owner’s specifications won’t match another, and no universal plan works for everyone. Our experienced insurance agents believe that excellent customer service starts with tailoring a policy to fit your requirements. You can depend on our team of experienced and caring agents to make sure you have the coverage you need at an affordable price. Wayne Peart Insurance Agencies’ personal approach to creating the best homeowners insurance plan makes us second to none.

Homeowners can count on the agents at Wayne Peart Insurance Agency for full coverage home insurance. When you have quality homeowners’ insurance, you have peace of mind knowing your house is well-protected in the event of a calamity. Call our professional team today (801) 779-2886 to request a home insurance quote.


We can customize many insurance types of plans to fit your unique coverage needs.  Contact us today for more information!


We service the following cities and their surrounding areas:

  • Layton, UT
  • North Ogden, UT
  • Ogden, UT
  • Syracuse, UT

Contact Info

1964 North Washington BLVD Suite E
North Ogden, UT, 84414

Phone: (801) 779-2886


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