ACT Insurance
260 South 2500 West, Suite 303, Pleasant Grove, UT 84062
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Pleasant Grove households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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260 South 2500 West, Suite 303, Pleasant Grove, UT 84062
View this agency's profile to learn more about their services.
260 S 2500 W, #303, Pleasant Grove, UT 84062
View this agency's profile to learn more about their services.
260 South 2500 West – Suite, #303, Pleasant Grove, UT 84062
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938 S Main St, Pleasant Grove, UT 84062
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260 South 2500 West, #303, Pleasant Grove, UT 84062
View this agency's profile to learn more about their services.
2100 W Pleasant Grove Blvd, Suite 525, Pleasant Grove, UT 84062
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Learn about insurance coverage options specific to Pleasant Grove residents.
Navigate Pleasant Grove's insurance landscape: 2025 auto requirements, earthquake risks, flood coverage, and finding local agents. Essential guide for residents.
Home InsuranceComplete guide to Pleasant Grove home insurance covering earthquake risk, wildfire exposure, climate challenges, and costs. Get the coverage you need.
Car InsuranceUtah increased minimums to 30/65/25 in 2025. Learn about no-fault PIP requirements, average costs in Pleasant Grove, and how to save on coverage.
Given that there's a 43% probability of a major earthquake (magnitude 6.75 or higher) along the Wasatch Front in the next 50 years, it's worth seriously considering. Standard homeowners policies don't cover earthquake damage, so if your home is damaged in a quake, you'd pay for repairs out of pocket. Get quotes from local agents and weigh the cost against your risk tolerance and the value of your home.
A first offense carries a minimum $400 fine, and a second offense within three years jumps to $1,000. Beyond fines, you could face license suspension and vehicle impoundment. Utah takes insurance seriously, especially with the new 2025 minimum coverage requirements. It's not worth the risk.
Pleasant Grove's safer driving conditions typically result in lower premiums compared to urban areas, with average annual costs around $1,300 for good coverage. However, your actual rate depends on your driving record, age, vehicle type, coverage levels, and which carrier you choose. The state average for minimum coverage is about $56 per month, but most people carry more than the minimum.
Yes, it's still worth considering. More than 70% of recent flooding in Utah has occurred outside designated flood zones. Pleasant Grove gets severe thunderstorms and flash floods, particularly from Battle Creek Canyon. Flood insurance through the NFIP is relatively affordable for homes outside high-risk areas, often just a few hundred dollars annually, and takes 30 days to activate.
Utah's 2025 minimums (30/65/25) cover basic scenarios, but a serious accident can easily exceed these limits. Most experts recommend at least 100/300/100 coverage—$100,000 per person, $300,000 per accident, and $100,000 property damage. The additional cost is modest compared to the financial risk of being underinsured if you cause a major accident.
Bundling often saves you 10-25% on premiums, so it's usually a smart move. However, don't bundle just for convenience—compare what you'd pay with separate policies from different companies versus a bundled policy. Sometimes the best auto rate and best home rate come from different carriers, which could save you more than a bundle discount.
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