Bray & Oakley Insurance Agency
213 Main St, Logan, WV 25601
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Logan households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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213 Main St, Logan, WV 25601
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321 George Kostas Drive, Logan, WV 25601
View this agency's profile to learn more about their services.
408 Main St, Logan, WV 25601
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Logan residents.
Logan insurance guide: Utah's 2025 auto minimums ($30k/$65k/$25k), affordable home coverage ($1,454 avg), winter risks, and local agents in Cache Valley.
Home InsuranceLogan, WV sits in a flood-prone valley. Learn about home insurance costs, flood coverage, landslide protection, and finding the right policy for your property.
Home InsuranceLogan home insurance averages $937/year. Learn about earthquake coverage for Cache Valley fault zones, winter weather protection, and local rates.
Car InsuranceLogan drivers pay $63-$67/month for auto insurance. Learn about Utah's no-fault PIP requirements, winter driving coverage, and USU student discounts.
Utah increased its minimums to $30,000 per person for bodily injury, $65,000 per accident for bodily injury, and $25,000 for property damage effective January 1, 2025. You must also carry at least $3,000 in Personal Injury Protection (PIP) coverage. These are minimums—consider higher limits if you have significant assets to protect.
Utah homeowners pay an average of $1,454 annually for home insurance, which is 58% below the national average of $3,467. Rates in Logan will vary based on your home's age, value, location, and features. State Farm offers some of the most competitive rates in Utah at around $1,078 per year on average.
Yes, renters insurance is essential even for students. Your landlord's policy doesn't cover your belongings or your liability if someone gets injured in your rental. A typical renters policy costs $15-30 monthly and covers your stuff, liability, and temporary housing if your apartment becomes uninhabitable. Many students don't realize they're completely unprotected without their own policy.
Most standard homeowners policies cover water damage from frozen pipes, but not always. Review your policy's water damage exclusions carefully—some insurers require you to maintain heat or drain pipes if the home is vacant. Take preventive steps like insulating exposed pipes and keeping your thermostat at 55°F minimum during winter, especially if you travel.
If your home is near the Logan River or other waterways, strongly consider it. Standard homeowners policies exclude flood damage. Climate change is affecting snowpack and water flow patterns in Cache Valley, increasing flood risk. Flood insurance through the National Flood Insurance Program is relatively affordable and could save you from catastrophic financial loss.
Bundle your auto and home or renters insurance for 15-25% discounts. Take a defensive driving course, maintain a clean driving record, and ask about good student discounts if applicable. Raise your deductibles if you can afford higher out-of-pocket costs in a claim. Compare quotes from multiple insurers every 2-3 years, as loyalty doesn't always pay in insurance.
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