Why Routine Gutter Maintenance is Important

Regularly maintaining gutters is important throughout the year, even in winter. While we may receive less that the US average of 39 inches of rain each year, we do get a lot of snow in Sandy, UT. In fact, we average 89 inches of snow each year! Melting snow on the roof needs a place to go. Are your gutters in shape to handle it? At Smart Way Insurance Agency, we recommend that gutters are on your list of regularly scheduled home maintenance tasks.

Keep Unwanted Visitors Away with Clean Gutters

If your gutters are filled with debris, this can attract unwanted animals who find these things attractive. In the winter, not only will they scour your gutters for materials they can use, they will search for entry points into your home where it is warmer. In the summer, debris creates stagnant water in the gutters, which is the perfect place for mosquitos to lay their eggs. Clean gutters allow water to flow and keep your home from being a breeding ground for mosquitos. Clean gutters can help keep your home free of mosquitos and rodents.

Protect Your Home from Water Damage

Clogged or damaged gutters can also create water damage. If they are working properly, they move water from rain, ice, or melting snow away from your roof and home. However, if they are clogged, water can pool in the gutters and eventually seep into your home causing mold and mildew. This can weaken your home’s foundation and walls. Sandy, UT is a wonderful place to live. But as with any home, regular maintenance is key. If you do have an issue with your home, give one of the friendly agents at Smart Way Insurance Agency a call. We are here to help. 

Auto Insurance in Sandy, UT

Utah is a beautiful state for road touring. Drivers visiting Bryce, Zion, or the Canyonlands National Park will want to make sure they have auto insurance. Auto insurance is mandated for drivers owning vehicles in Utah.

Minimum insurance coverage for Utah drivers is liability coverage that protects a driver from costs associated with another driver’s injury after an accident. Depending on a driver’s record, Utah rules to auto registration may require that a driver holds comprehensive auto insurance coverage.

The main categories of auto insurance available to Utah drivers are as follows:

Liability Coverage – the most basic auto insurance agreement that every driver must carry in Utah. Mandated under law, liability insurance is required by all U.S. states, and covers another driver’s injury and property damage claim.

Property Coverage – compensates repair and replacement of vehicle and property after an accident or vandalism claim.

Medical Coverage – covers medical and hospitalization bills, as well as lost wages due to injury and funeral expenses.

Comprehensive Coverage –  a combined insurance that covers liability, property, and medical auto insurance all in a single policy.

Utah drivers requiring comprehensive auto insurance coverage will generally find that premium rates are indexed higher. Comprehensive auto insurance policies compensate an insured for medical, property repair, and legal fees. Drivers with a record of accident incidences, traffic tickets, those categorized as under a risk classification, may be obliged to meet Utah State’s comprehensive auto coverage requirements. Those having good driving records, may benefit from discount insurance incentives offered through insurers. Ask your insurance broker about eligibility for a discount on an auto insurance agreement.

To find out about auto insurance coverage policy premiums, claims grace periods, and terms and conditions, and to request a quote, contact Smart Way Insurance Agency, Sandy, UT.