Main Street Partners
3999 Teays Valley Rd, Hurricane, WV 25526
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Hurricane households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
3999 Teays Valley Rd, Hurricane, WV 25526
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Hurricane residents.
Hurricane, Utah home insurance averages $1,454/year but wildfire risk affects rates. Learn coverage options, risk mitigation, and how to find affordable policies.
Absolutely consider it. Utah has the second-highest rate of flood losses outside designated flood zones in the nation at 81.3%. Flash flooding can occur anywhere in Hurricane, especially after wildfires when burned ground can't absorb sudden rainfall. The average flood policy costs around $833 annually in Utah, which is reasonable protection against a devastating loss.
As of January 1, 2025, Utah requires $30,000 per person and $65,000 per accident in bodily injury liability, plus $25,000 for property damage. You also need $3,000 in Personal Injury Protection (PIP) coverage. These limits increased from previous years, so check that your existing policy meets the new minimums to avoid fines starting at $400.
Not adequately. Your homeowners policy typically provides minimal coverage for watercraft (usually $1,000 maximum for boats with small motors) and doesn't cover ATVs or UTVs at all. Given Sand Hollow's popularity and accident rates, you need separate policies for these vehicles to protect against liability and physical damage. ATV insurance typically costs $100-300 annually.
No. Standard homeowners policies explicitly exclude business activities, and short-term rentals count as business. You need either a dwelling fire policy with liability coverage or a specialized short-term rental policy. Failing to disclose rental activity can result in claim denials, leaving you personally liable for guest injuries or property damage.
Hurricane averages just $110 per month for auto insurance, making it one of Utah's most affordable cities for coverage. Lower rates typically reflect factors like reduced population density, fewer accidents, lower theft rates, and less traffic congestion compared to urban areas like Salt Lake City. The trade-off is sharing roads with heavy tourist traffic heading to Zion National Park.
Summer temperatures regularly exceed 100 degrees, making your air conditioning system essential. Add equipment breakdown coverage to your homeowners policy to protect against HVAC failures, which can cost thousands to replace. Standard policies often exclude mechanical breakdowns, so this endorsement is crucial. Also ensure you have adequate coverage for heat-related damage to roofing materials and exterior components.
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