Stephen Twomey

Attn: Utah Realtors & Real Estate Agents- Your auto insurance policy might not cover your clients riding in your car.

If you simply have your work car on a normal pleasure use auto policy (like most policies) then you are potentially exposed to undue risk. Many agents take their customers in their car when showing them a property. Do you do this or do they follow along in their car? Since this is type of use is "business" and not pleasure you need to add "business use" onto your personal auto policy to make sure that you are properly covered.

A normal personal auto policy covers for normal driving, grocery getting, to and from work and pleasure driving. What you do on a day to day basis, showing people homes, is beyond just commuting it is business use. You need to have this coverage because depending on the insurance company they can either deny the claim, or pay the claim and then cancel you. No one wants this kind of hassle. So when purchasing auto insurance in Utah, make sure that you speak with an insurance agent who knows your business, who knows what lengths you will go to to get your client the perfect property.

If there was an accident where you were transporting clients and they were injured, you would want the best coverage for them correct? Make sure that your auto insurance limits are set correctly to protect you and your family. I hope that you found this article enjoyable. Please contact me if you would like to discuss your insurance situation.

My name is Stephen Twomey and I am a Farmers Insurance Agent in Salt Lake City. www.farmersagent.com/stwomey. 801.417.3121.

RV Motor-home Insurance Salt Lake

Find RV Insurance. You have the ultimate family vacation mobile. You are ready to hit the road and explore what Utah has to offer. Now you just need to insure your RV.

Salt Lake City Utah has so many wonderful places to take day trips and week long vacations to. Here are some of my favorite day trips that my family has enjoyed:

1. Yuba Lake Reservoir. About an hour and a half or so from Salt Lake City. This place is incredible. Head South on I-15 and you run right into the Yuba State Park exit. Head east off the exit and it is down on your left about a 5 minutes five minute drive. If you are looking for a sandy shore take the North Shore strip. This is the first entrance of two on your left. We love this place because you can park your RV or trailer right on the beach. Just a warning the "sand" is clay and it gets kind of gooey right when you get in the water, but does become firmer and more normal feeling after a few feet.

2. Bear Lake. Quite popular and depending on how far you go around the lake about 2.5-3 hours. A great place to and have a nice stay-cation. Lots of camping spots and a very fun place.

More of our favorite places are coming up in another post. Make sure that when you are enjoying making memories with your family that you are protecting those memories. Take a water proof digital camera and protect them, because you can't get those back.

Make sure that you have proper insurance coverage when pulling that trailer, or when driving your RV. Nothing can be worse than driving to a vacation with your family/friends and suddenly there is an accident which puts a damper on things. The only thing worse than that is when someone is injured or killed. Do you have enough insurance coverage to make sure that your family can still go on vacations and live their life after an accident? Don't wonder, know for certain.

Stephen Twomey is a Farmers Insurance Agent in Salt Lake City Utah. He is a local agent who offers his clients Auto Insurance, Home Insurance, Life Insurance as well RV and motorized "toy" insurance. 801.417.3121 www.farmersagent.com/stwomey.

RV, Motor-home Insurance Salt Lake

Salt Lake City Insurance-

Offering Auto Insurance, Home Owners Insurance, Life Insurance, Earthquake Insurance and Business Insurance.

Most people know that bundling products saves money. You bundle your Internet and TV to save money. You bundle your auto insurance and home owners insurance. But What if you could bundle your auto insurance, home insurance ,and life insurance and pay the same amount monthly? Many people do not realize that simply by adding one more discount to your personal lines insurance portfolio, you can often get a free life insurance product.

For instance I have a client who recently I was able to offer her a 10 year level term life insurance policy and adding it to her auto policy with the discuont actually saved her money! This is not always the case but often you can get another policy added for the same price or just a little bit more monthly Everyone in Salt Lake wants a good value for their insurance whether home, auto or life. This is a great way to achieve that value. So don't forget to bundle!

I help my clients get the best deal possible by finding out what their insurance needs are. Most people when they purchase insurance do it after they buy a car, a new home or get married. These are about the only times that they review their policy. I have a perspective client that I am working with right now that has been married for over 25 years (which is fantastic) but the last time they reviewed their insurance policy and coverages was over 10 years ago. Since then they have teenage drivers now on their policy. Do you think that their household risk of having an accident increased or decreased with those two teenage drivers? Needless to say, they are under insured.

Insurance, I realize is not super exciting to discuss. But nothing to wreck your lives like an accident. If someone is seriously injured or killed in an accident that you are at fault in, nothing can ruin your financial situation quicker. Making sure that your auto insurance coverages are high enough to protect your family is very important. If your home was destroyed in a fire, do you want a check to replace the whole house, or the 3/4 of the home? Making sure your policies are up to date and adequate is important. Review at least once a year.

Salt Lake City Insurance

Salt Lake Auto Insurance-

Find A Local Salt Lake Auto Insurance Agent. You pay how much for auto insurance? It seems ridiculous that you have to pay for something that if you are like most of us do not ever use. But I will tell you when your car is totaled and you only have to pay a $500 deductible to replace your car, are you ever glad you had auto insurance.

Now replacing your vehicle is not the only good thing about having salt lake city auto insurance. You can also have a rental car paid for by your auto insurance companywhile your car is being worked on after an accident. You can also use towing and emergency road side assistance if you lock yourself out of your car, if you need a tow, or you get a flat tire. Car insurance does so much more for you than simply take your money.

Of course when you writer that monthly check of see it come out of your account, it may seem like you pay something for nothing in return. That is because you are buying a promise from your auto insurance company. The auto insurance company promises that in exchange for cash (your insurance premium) that they will replace your car, pay for medical expenses etc in the event that you are involved in an accident.

Auto insurance in Salt Lake can seem a bit crazy. If you have ever driven through the spaghetti bowl in a snow storm you may have wondered how you made it out of there unscathed. With all of the construction that is always going on on I-15 and on other major roads it is a wonder that there are not more accidents.

When there are accidents, we hope that they are not serious of injury related. If there is an injury or a death, you can imagine that the injured or deceased's family is going to want some sort of settlement. They need to replace that person's income for life, as well as pay for a funeral. If something like this happens, do you think that you have enough bodily injury coverage to not have to come out of pocket? Sit down with a local Salt Lake Auto Insurance Agent.

I live in Salt Lake City Utah and my insurance agency is here as well. I have been helping my clients protect their family, their lifestyle and their assets. I can do the same for you as well. Call or email to set up a time to meet.

Stephen Twomey, Farmers Insurance, 801-417-3121, http://www.farmersagent.com/stwomey

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Insurance Agent Salt Lake City Utah

This is what most people think when they hear that one of their "friends" who is an insurance agent is coming over for dinner. "Hey honey, did I mention that the Smith's are coming over for dinner?". "Oh no not the Smith's, Mr. Smith is an insurance agent and all he does is talk about car insurance. He is so boring!".

While being an insurance agent in salt lake city utah, is not as glamorous as being a heart surgeon or a crime scene investigator, we do have an important job. Being an insurance agent we help protect what you value. Insurance essentially is selling a promise. We promise you that our company will pay a claim when you have an accident or a loss, in exchange you pay the company an insurance premium.

So essentially what your insurance agent does is sell promises. If you are buying a promise from someone, do you want to trust them and their word, do you want to trust their company? Of course you do. When selecting aninsurance agent in salt lake city utah, make sure that your agent's word or promise is good.

I think that insurance is a great industry because we get to help people protect their favorite car, home, and their financial longevity. We are selling promises and the hope that when things look bleak, we will make them better. That is what being an insurance agent means to me. That we will be there for you when things look bleak.

Insurance Agent Salt Lake City Utah

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