Insurance Advice From Someone Who's Seen What Actually Goes Wrong

At minimum, once a year — and any time something changes. A new vehicle, a teen driver, a move to a different part of the state, or a significant change in how many miles you drive are all good reasons to take a second look. Utah's winter driving conditions also make it worth checking your comprehensive and collision limits before November.

Yes. I write from the perspective of an agent licensed and operating in Utah, and I focus on the coverage questions, seasonal risks, and local market conditions that are most relevant to people in Davis, Weber, and Salt Lake counties. When a rule or situation varies by state, I'll say so.

It depends on who's writing it. A lot of insurance content is produced by lead generation companies or aggregator sites with a financial interest in where you end up. The posts on this blog are written by me — an independent agent who shops multiple carriers and doesn't have a quota to hit. I'll tell you when something is complicated and when a simple answer is probably good enough.

Auto, home, life, RV, ATV, motorcycle, boat, Medicare, individual health insurance, ACA marketplace coverage, and small business insurance. I also write about seasonal coverage topics — winter driving prep, summer recreation coverage, and Medicare open enrollment — timed to when those questions are actually relevant.

Each post links directly to the relevant service page for that coverage type. You can also browse by coverage area using the navigation above, or reach out directly if you have a specific question you'd like me to address.