Home Insurance

Home insurance protects your house, your belongings and your finances if something goes wrong. If you have a mortgage, your lender requires it. Even if you don’t, it stands between you and a very expensive loss. Do Right Insurance is an independent agency in Bluffdale. We compare 15+ carriers to find coverage matched to your home, not a one-size bundle.

What home insurance covers

• Your home: the structure itself, including attached garages
• Other structures: detached garages, sheds and fences
• Your belongings: furniture, clothing, electronics and more
• Loss of use: living expenses if a covered loss makes your home unlivable
• Personal liability: if someone is hurt on your property or you damage someone else’s
• Medical payments for guests injured at your home

Not covered by a standard policy

Standard home policies don’t cover flood or earthquake, and earthquakes are a real risk along the Wasatch Front. We can quote both separately, and we’ll help you decide whether they make sense for your home.

Replacement cost or actual cash value?

Replacement cost pays to rebuild or repair with new materials, without subtracting for age. Actual cash value subtracts depreciation, so you’d get less. The difference can be large, and it’s worth understanding before you choose.

What affects your price

• Where your home is and how old it is
• The roof’s age and type, and the home’s construction
• Your claims history
• The coverage limits and deductibles you choose
• The carrier, which is why comparing matters

Ask us about bundling your home and auto insurance.

What we need for a quote

• Your address, the year built and the square footage
• The age and type of your roof, and any updates to wiring, plumbing or heating
• Your current coverage and any recent claims

Common questions

How much coverage do I need?

Enough to rebuild your home at today’s costs. That’s not what you paid for it, and not what it could sell for.

Does it cover hail damage to my roof?

Often yes, but some policies treat roofs differently depending on their age, or use a separate wind and hail deductible. Ask us before you buy.

Do I need earthquake insurance?

It’s optional, and standard policies exclude it. We’ll walk through the risk and the cost so you can decide.

Get a home insurance quote

Call 801-352-7100 or request a quote online.