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Questions to ask before deciding on health care coverage

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Every year, you need to choose the health insurance that will cover you for the following year. This is one of the most important decisions that you make every year. It will determine the type of medical care you will have for the next twelve months. A year is really long if you make a bad choice. At Maple Mountain Insurance Services in Mapleton, UT, we recognize the importance of this decision and will provide the expertise and information you need to make the right decision.

What is the Yearly Medical Deductible?

Most health insurance policies have a deductible that must be met before the insurance covers things. Some high-deductible policies can be very affordable, but the trade-off is paying the deductible. Having an HSA allows you to save money and pay your medical expenses tax-free.

Is My Doctor in the Network?

Every carrier has a list of medical professionals and hospitals that it has contracted with. Depending on the kind of managed care that you have, you may need to choose a primary care doctor within the network. You should check to make sure any doctors you use will still be available to you.

Does the Policy Cover My Prescriptions?

Most health insurance policies cover prescriptions. The ones they cover are listed in the formulary on their website. You may have to get generic drugs for them to be covered and go to a participating pharmacy.

What Type of Managed Care Program is the Policy?

There are three main types of managed care offered: HMO, PPO, and POS. HMOs are the most restrictive, PPOs the most flexible, and POSs a combination of the other two. HMOs are the least expensive, and PPOs are the most costly.

Contact Maple Mountain Insurance Services in Mapleton, UT when choosing your new health insurance.

What’s Agreed Value for Your Classic Car?

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Securing the Right Value for Your Classic Car

No one desires the Kelly Blue Book value for their classic car. If you store your classic, antique, or vintage car in Mapleton, UT, or anywhere in the state, Maple Mountain Insurance Services can assist you in obtaining insurance for an agreed value closer to the market value of your collectible car.

This implies that if your car were totaled, you would receive the agreed value, not the blue book value, minus your deductible. You can also acquire certain types of coverage that are not available with a standard auto policy, such as insurance while transporting your car to shows, comprehensive at shows, and medical coverage for guests in your vehicle when you are driving it off-road, in the parking lot, or at the show.

Understanding Agreed Value

Agreed value differs from cash value in that you and the insurance company agree that your car appreciates in value, not depreciating. The agreed value differs from your stated value in that it’s the number on which you and your company agree on the amount of coverage.

Obtaining coverage for agreed value isn’t easy. Maple Mountain Insurance Services represents the companies that offer it.

Conditions for Agreed Value Coverage

Agreed value coverage may come with some conditions that do not apply to other policies. For example, you may be required to keep your car in a locked garage when you are not driving it. You will be expected to use your vehicle as a show car, not for commuting or business.

Coverage for agreed value costs slightly more than the same amount for cash value. But you have the assurance that your investment in the car, motorcycle, or military vehicle you love is protected. Contact Maple Mountain Insurance Services today for the coverage you need!

Insurance Upgrades for Consumers Who Travel Frequently in an RV

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If you’re a frequent traveler who depends heavily on your RV, you should consider beefing up your insurance coverage. Here, we’ll delve into some insurance upgrades that can enhance your RV’s coverage.

Mechanical Breakdown

Regular use of an RV could lead to premature failure of its mechanical parts. Mechanical breakdown insurance covers the cost of inspections and repairs. This policy covers the vast majority of mechanical issues that may require fixing or replacement.

With mechanical breakdown coverage, RV owners can keep their vehicles in tip-top condition and enjoy their travel adventures without the worry of expensive repairs.

Roadside Assistance

Roadside assistance can be a lifesaver when your RV is on the road. You never know when a flat tire or a damaged windshield may disrupt your journey.

A roadside assistance coverage plan reimburses the cost of on-the-spot services and offers financial protection in case your RV needs to be towed to a mechanic.

Total Loss Coverage

Weather events, fires, or other disasters could result in the total loss of an RV. In such situations, total loss coverage steps in to pay for your RV’s replacement.

Agent Advice

For personalized advice on upgrading your RV insurance policy, reach out to our agents at Maple Mountain Insurance Services. Our team, serving the Mapleton, UT region, can guide you through the various coverage options best suited for recreational vehicle owners.

Popular Motorcycle Trends

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Motorcycles have evolved significantly from their inception, paralleling their four-wheeled counterparts on the road. Like the auto industry, the motorcycle sector also experiences the occasional transformative style or trend. The evolution of technology and innovations in fields like electric power have contributed to several trendy features in contemporary motorcycles. If you’re a motorcycle owner in Mapleton, UT, or surrounding areas seeking motorcycle insurance, our friendly and experienced team at Maple Mountain Insurance Services is here to help, even with your stylized new ride.

Trending Motorcycles in 2024-25

From touring bikes to iconic motorcycle brands, here are the current trends in the motorcycle world.

Electric Motorcycles

Yes, they’re here, and they’re speedy! Brands like Kawasaki are leading the electric sportbike market, and these electric motorcycles are severe contenders for bikers’ favorite rides.

A Refreshing Dive into Nostalgia

Motorcycles embodying the classic look and feel from a bygone era are making a comeback but with a twist. These nostalgia-inspired designs integrate the latest technological improvements and safety features, making them a timeless favorite and one of today’s rising motorcycle trends.

Touring Bikes

As an article about new motorcycle trends noted, touring bikes were suitably described as "the SUV of motorcycles." One look at these fully-equipped two-wheelers, and you’ll see why.

These are new waves in the motorcycle world, and you can expect to see more of these models in the coming years. If you’re a resident of the Mapleton, UT area and have queries about motorcycle insurance or need bike coverage, we’re here to help. Contact us to learn more and schedule an appointment. Ride with the protection you need and deserve with Maple Mountain Insurance Services.

What Insurance Policies Protect My Boat/Watercraft from Theft in Nevada, Idaho, and Utah?

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If you’re a resident of Nevada, Utah, or Idaho, and you’re the owner of a boat or watercraft, protecting your investment from theft is crucial. In the unfortunate event of your boat or craft being stolen, you don’t want to lose your entire investment. Knowing the right insurance policies that can protect your boat or watercraft from theft in Nevada, Utah, or Idaho is essential, whether you race boats competitively or use jet skis recreationally.

Traditional Boat and Watercraft Insurance

If you reside in the Mapleton, UT region, investing in traditional boat and watercraft insurance is highly recommended, regardless of how the vehicle(s) are used. Boat insurance policies usually offer protection against collisions, accidents, vandalism, property damage, and in many cases, theft.

Theft Coverage

When looking for boat or watercraft insurance, make sure to inquire about any included theft insurance clause as part of your policy. Theft insurance, usually included in a boat or watercraft policy, generally covers the theft of basic components, equipment, electronics, motors, accessories, and more.

Homeowners or Renters Additions

In some cases, you may have the opportunity to invest in an off-premises coverage policy. This will extend your homeowner’s insurance policy to cover any smaller boats and watercraft you may own.

Get Umbrella Insurance

You might also want to consider investing in an umbrella insurance policy for additional liability protection for your boat. Umbrella insurance is a great option if you’re looking to extend the coverage you already have from existing boating or watercraft policies.

If you’re a boat owner living in the Mapleton, UT area, Nevada, or Idaho, investing in the right theft insurance or watercraft policy is important for protecting your investments. Contact Maple Mountain Insurance Services directly today to learn more about the insurance policies available to help protect your boats and watercraft from theft in Idaho, Nevada, and Utah.

Three Reasons Why Umbrella Insurance Can Be The Difference In Your Small Business Succeeding

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As a small business owner, you might view umbrella insurance as an unnecessary expense. However, it can significantly improve your business’s success.

1. Protect Your Assets

For many small business owners, their family assets and business assets are often intertwined. If liable in court, this policy will cover your financial expenses, safeguarding your personal and business assets. With the security of your assets, you can continue running your business and plan for expansion based on your readiness.

2. Expand Your Coverage Limits

As a small business owner, you might feel restricted regarding the type of coverage you can have and whether it should match your revenue. As your business expands, having higher coverage limits becomes vital, allowing you to make necessary expansions without hesitation. With an umbrella insurance policy, your business can continue growing and thriving, even when faced with potential liabilities in court.

3. Maintain Good Employees

Maintaining a strong, competent team is key to success as a small business owner. The best way to retain quality employees is by having an insurance policy to protect them if they are held liable in court. Employees who feel that their business owners are not looking out for their best interests might seek employment elsewhere.

If you’re in the Mapleton, UT, area and are considering supplementing your commercial insurance with umbrella insurance coverage, contact our team at Maple Mountain Insurance Services today for a personalized quote and to secure the coverage you need.

Does Flood Insurance Cover Contents?

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Utah may not seem like a state with a significant risk of flooding, but it can certainly happen here. Starting in 1996, more than 900 floods were reported during a 21-year period. When you live in an area at risk of flooding like Mapleton, UT, it’s crucial to know if insurance covers the contents of your home.

What’s Covered?

Some flood insurance policies only cover buildings. Others protect belongings or both the contents and the structure. If you have content coverage, it generally insures things like furnishings, small appliances, electronics, curtains, and clothes. It also covers laundry appliances and certain types of carpeting. Various limits or deductibles may apply.

A building-only flood policy typically covers some items you might consider content. They include dishwashers, refrigerators, water heaters, most stoves, permanent carpeting, blinds, and installed bookshelves. It insures most HVAC equipment as well. However, movable air conditioners are covered under content policies. On the other hand, tanks that contain fuel or water are generally protected by building flood insurance.

Basement Coverage

Due to the higher level of risk, insurers normally provide less coverage of rooms located wholly or partially underground. Generally, a contents policy excludes the storage of belongings in cellars. It usually covers basement items attached to power sources, such as chest freezers, laundry appliances, and air conditioners. The policy won’t protect the furniture or a spare TV set you store in your basement.

Mapleton, UT, residents can rely on Maple Mountain Insurance Services to help them find the ideal flood coverage for their homes and belongings. Our experienced staff will take the time to learn about your needs and identify a policy that meets them. To request a quote or further information, please call 801-396-3900 to reach Maple Mountain Insurance Services today.

Misperceptions That May Stop You From Buying Life Insurance

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If you live in the Mapleton, UT, area and do not have any or a sufficient level of life insurance, you may have your reasons. Some of these reasons may be based on misperceptions, however. At Maple Mountain Insurance Services, we don’t think these misperceptions should prevent you from getting the life insurance coverage your family deserves.

Here are some common misperceptions that may be stopping you:

Life Insurance is Too Expensive

Life insurance is more competitive than ever. Term life insurance, in particular, can be very affordable. It would be best if you also kept in mind that life insurance is most affordable when you are young and healthy. Now may be the best time to buy. Don’t say no before you know with a free quote.

I Am Too Unhealthy

You may be surprised at the options available to hard-to-insure applicants. Don’t let your high blood pressure or diabetes prevent you from applying for the coverage you deserve. Many can find insurance without the need for a health examination. 

You Can Be Too Old To Get Life Insurance

The age limit for life insurance may be higher than you think. Some companies will insure applicants in their seventies and older. Contact us to discuss life insurance options for older Americans.

I Don’t Need Life Insurance

No one will live forever, and most will have expenses to account for upon their death. The odds are that your family will always benefit from at least some life insurance.  

Contact Maple Mountain Insurance Services and Learn More

Perhaps it’s time to get more accurate information about life insurance. If you live in the Mapleton, UT, area, we encourage you to contact us at Maple Mountain Insurance Services to discover more. Let us try to find the life insurance protection you deserve.

Shield Your Wheels: The Ultimate Auto Insurance Checklist for Mapleton UT Drivers

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Living with financial uncertainties often leads to heightened stress and anxiety. At Maple Mountain Insurance Services, we aim to alleviate these worries by offering comprehensive auto insurance options for drivers based in Mapleton, UT.

Your Auto Insurance Checklist

Here’s how you can ensure your ride and peace of mind are secure.

1. Understand Utah Auto Insurance Requirements

The first step towards safeguarding your vehicle includes understanding Utah’s auto insurance requirements. We recommend consulting a local, reliable insurance agent for advice pertaining to the minimum auto insurance requirements. From liability coverage and bodily injury coverage to property damage coverage, ensure you are protected against potential unfortunate incidents.

2. Evaluate Your Driving Habits

Next, closely examine your driving habits. Are you a frequent driver or an occasional one? The distance you typically drive can also help you understand whether you need liability, comprehensive, or collision coverage.

3. Explore Additional Coverage

Depending on your lifestyle and requirements, review additional coverage options such as personal injury protection, emergency roadside assistance, or rental car reimbursement. A licensed insurance agent can guide you through these add-ons and any available discounts for bundling your auto insurance with homeowners, renters, or RV insurance policies.

4. Obtain a Comprehensive Auto Insurance Quote

The most effective way to ensure comprehensive protection is to consult a licensed insurance agent. An expert can provide you with detailed information about available options, premiums, deductibles, and help you make decisions that fit within your budget and lifestyle.

Contact Maple Mountain Insurance Services right away for a comprehensive auto insurance quote and discover what we have in store for you!

How Can a Professional Tailor Commercial Insurance Products For Your Business?

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Secure Your Business with Tailored Insurance Solutions in Mapleton, UT

Running a business inherently involves many risks, including potential property damage and liability claims, which could affect your operations and profits. At Maple Mountain Insurance Services, serving the exceptional Mapleton, UT community, we appreciate the unique nature of each business. We offer personalized commercial insurance solutions pioneered through various methods:

1. Assessment of Business Needs:

We conduct in-depth assessments to pinpoint your explicit risks and vulnerabilities.

2. Customized Coverage Solutions:

We craft insurance policies that cater to your specific business requirements, ensuring you have ample coverage without unnecessary overlaps.

3. Profound Industry Expertise:

Our experienced agents understand industry risks and regulations, enabling them to recommend coverage options tailored to your needs.

4. Review of Existing Policies:

We evaluate your current policies to identify potential gaps or areas that could be strengthened, ensuring you have optimal protection.

5. Flexible Coverage Options:

We offer adaptable coverage plans that keep pace with your ever-evolving business needs.

6. Risk Management Strategies:

We provide risk management solutions to minimize potential risks and reduce exposure to liabilities.

7. Dedicated Claims Assistance:

Our team provides personalized support to guide you through claims processing, ensuring a smooth experience.

8. Annual Policy Reviews:

Our annual policy assessments guarantee that your coverage is punctually updated and aligned with your business’s needs.

9. Cost-Effective Solutions:

We strike a balance between optimizing coverage and efficiently managing costs, providing you with economical solutions.

10. Long-Term Relationship Building:

We strive to establish long-term relationships, providing continuous support and updates as your business expands.

Embrace the privilege of partnering with Maple Mountain Insurance Services to safeguard your business in Mapleton, UT. Enjoy customized attention and insurance solutions exclusively tailored to fit your business circumstances. Now is the perfect time to start. Contact us today and let’s embark on this journey together.