Kirk Agency
414 Maple St, Murray, IA 50174
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Murray households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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414 Maple St, Murray, IA 50174
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Murray residents.
Murray drivers need 30/65/25 coverage plus $3K PIP as of 2025. Learn about Utah's no-fault system, I-15 corridor rates, and how to save on insurance.
Yes, earthquake insurance is essential for Murray homeowners. The city sits directly above the Wasatch Fault, and seismologists estimate a 43% chance of a magnitude 6.75+ earthquake in the next 50 years. Standard homeowners policies exclude earthquake damage entirely, meaning you'd pay out of pocket to repair or rebuild your home after a significant quake. Given this high risk, earthquake coverage is a necessary expense for protecting your largest investment.
Home insurance in Murray typically ranges from $1,200 to $2,500 annually for standard coverage, depending on your home's age, size, construction type, and coverage limits. Earthquake insurance adds another $800 to $3,000 per year. Older homes with outdated systems cost more to insure than newer construction. Actual costs vary significantly between carriers, so comparing quotes from multiple insurers is essential for finding competitive rates.
No, standard homeowners insurance policies do not cover flood damage regardless of the cause. If your Murray home is in a FEMA-designated flood zone near Little Cottonwood Creek or other waterways, you'll need separate flood insurance through the National Flood Insurance Program or a private insurer. Even homes outside designated flood zones should consider flood coverage, as flash flooding can occur anywhere during severe storms.
If your dwelling coverage limit is below what it would cost to rebuild your home, you'll face a significant gap that you must pay yourself. With construction costs in the Salt Lake area up 30-40% since 2020, many homeowners are underinsured without realizing it. Review your coverage limits annually and adjust them to reflect current replacement costs, not just your home's market value. Most policies include inflation guard endorsements, but these may not keep pace with rapidly rising construction costs.
Generally, avoid filing claims for damage under $5,000. Filing claims increases your premiums and can affect your insurability with future carriers, often costing you more over time than the claim payout. Use your insurance for significant losses that you couldn't afford to pay yourself. For smaller issues like a broken window or minor roof damage, paying out of pocket usually makes better financial sense in the long run.
The most effective strategies are bundling home and auto insurance (saves 15-25%), increasing your deductible to $2,500 or higher, installing security systems or impact-resistant roofing, updating outdated electrical or plumbing systems, and shopping around every few years. Maintaining a claims-free history and improving your credit score also help reduce premiums. Ask your insurer about available discounts before making home improvements to maximize savings.
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