Clarity Insurance Advocates
8899 S 700 E, Suite 155, Sandy, UT 84070
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Sandy households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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8899 S 700 E, Suite 155, Sandy, UT 84070
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8915 S 700 E, STE 101, Sandy, UT 84094
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2184 E High Mesa Dr, Sandy, UT 84092
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684 E Union Square, Sandy, UT 84070
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43 W 9000 S, STE B2, Sandy, UT 84070
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8615 S Highland Dr, Sandy, UT 84093
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11075 S State St, Suite 17, Sandy, UT 84070
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710 New England Dr, Sandy, UT 84094
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9860 S 700 E, #8, Sandy, UT 84070
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Learn about insurance coverage options specific to Sandy residents.
Sandy homeowners pay $852/year on average. Learn about earthquake insurance on the Wasatch Fault, hail damage coverage, and how to protect your home.
Car InsuranceSandy auto insurance averages $1,707/year. Learn about Utah's no-fault system, I-15 corridor risks, canyon driving coverage, and 2025 requirements.
General Insurance EducationComplete insurance guide for Sandy, UT residents. Compare auto, home, and life insurance rates, understand Utah's 2025 requirements, and save money.
Given that Sandy sits directly on the Wasatch Fault with a 50% chance of a major earthquake in the next 50 years, earthquake insurance deserves serious consideration. Standard homeowners policies don't cover earthquake damage at all, and a significant quake could cause catastrophic structural damage costing tens or hundreds of thousands to repair. While the deductibles are high (typically 10-20% of your coverage), the alternative is paying for all repairs out of pocket.
Sandy homeowners pay an average of $852 per year ($71 per month) for home insurance, which is significantly lower than both the Utah state average of $1,168 and the national average of about $2,422. Your actual rate depends on factors like your home's age, construction materials, location within Sandy, credit score, and claims history. Getting quotes from multiple carriers is the best way to find competitive rates for your specific situation.
Sandy experiences severe summer thunderstorms that bring large hail (sometimes larger than quarters), wind gusts exceeding 60 mph, and occasional flooding from intense rainfall. Your standard homeowners policy covers damage from hail, wind, and falling trees. It's important to document any damage immediately after storms and have your roof inspected regularly, as hail damage can compromise your roof's integrity over time even if it's not immediately visible.
No, standard homeowners insurance policies exclude flood damage from external water sources like spring runoff, heavy rain, or creek overflow. If your Sandy home is near waterways or in areas prone to drainage issues, you'll need separate flood insurance through the National Flood Insurance Program (NFIP). Your policy does cover sudden and accidental water damage from internal sources like burst pipes.
Homes in Sandy's foothills or near undeveloped areas may face higher premiums due to wildfire risk considerations and emergency service accessibility. Insurers increasingly evaluate wildland-urban interface properties more carefully. If you live in these areas, maintaining defensible space, using fire-resistant landscaping, and keeping your property well-maintained can help manage insurance costs and reduce actual risk.
No. Most earthquake insurance policies in Utah include a 30-day waiting period before coverage becomes active, so you cannot purchase protection once tremors begin. This waiting period prevents people from buying insurance only after an earthquake sequence starts. If you're considering earthquake coverage, you need to purchase it well before any seismic activity occurs.
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