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Subletting Your Apartment? Insurance Essentials You Should Know

When contemplating subletting one's apartment, it's essential to consider the implications of insurance coverage. The transition from being a sole tenant to a sublessor warrants a thorough understanding of insurance requirements and considerations to ensure comprehensive protection against potential risks.

Understanding Subletting and Insurance

Subletting involves renting out a portion or the entirety of one's leased apartment to another individual, known as the sublessee. In this arrangement, the original tenant becomes the sublessor and assumes certain responsibilities, including insurance matters. The primary tenant's insurance policy should be reviewed and adjusted to accommodate the new arrangemen
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The Importance of Preventive Dental Care Coverage

Preventive dental care is the cornerstone of a healthy smile and overall well-being. Securing comprehensive insurance coverage for preventive dental care ensures not only a beautiful smile but also a proactive approach to maintaining excellent oral health. 

Proactive Oral Health Maintenance

Preventive dental care is a proactive approach to oral health, focusing on averting dental issues before they escalate. Dental check-ups, cleanings, and early screenings help in the early detection of potential problems, saving not only your teeth but also your finances in the long run. Regular dental check-ups and cleanings are essential for maintaining good oral health. During these appointments, the dentist will
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The Ins and Outs of Accelerated Death Benefits

In today's world, insurance plays a pivotal role in securing our financial future and providing peace of mind for our loved ones. One aspect of life insurance that often goes overlooked is accelerated death benefits. These benefits can be a financial lifeline in challenging times. We'll delve into the details of accelerated death benefits, shedding light on what they are, how they work, and why they matter.

Understanding Accelerated Death Benefits

Accelerated death benefits, often referred to as ADBs, are a feature of some life insurance policies that allow the policyholder to receive a portion of their death benefit while they are still alive under certain circumstances. The primary aim of ADBs is to
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Why Full-Time RVers Need Specialized Insurance Coverage

Living full-time in an RV isn't just a long vacation—it's a lifestyle. Just as this lifestyle choice varies from traditional living, the insurance needs for full-time RVers also differ. The RV becomes more than a vehicle; it is both a home and a vehicle requiring protection from various risks, some of which standard auto or homeowner's insurance won't cover.

Unique Risks Associated With Full-Time RVing

When you transition from living in a traditional home to an RV, the risks you face change significantly. Theft, property damage, and vehicular accidents impact you differently when your vehicle is your living space. Additionally, RVs often have specialized features such as solar installations or satell
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What Happens If You’re in A Car Accident Without Insurance?

keystone car accident no insuranceDriving Without Insurance in Utah

Insurance Coverage Isn’t Just Smart - It’s Mandatory  No one anticipates a car accident. It can be the most frightening and stressful time in your entire life, and without the proper insurance coverage, you’ll be adrift in a sea of legal woes as well. If you get behind the wheel without insurance, you’re in for a swarm of trouble here in the Beehive State. You could face fines, lose your license, or eve
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Teens Driver Safety Checklist

With so much for new drivers to concentrate on, wouldn’t it be nice to have a safe driving checklist for teens? I mean, how exciting is it now that your teen can drive? No more mom taxi anymore! Oh, wait, but it can also be terrifying to think of your new teenage driver out on the roads, too. Thousands of ‘what ifs’ flood your mind... You might immediately think of your teen’s safety and of other people involved. Shortly thereafter, your next thoughts could be of potential vehicle damage or auto insurance coverage. To help you out, we’ve compiled a Safe Driving Checklist for Teens so you’ll have something to reference in this potentially exciting, yet stressful
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5 Things To Do After A Car Accident

  Even the most cautious and attentive drivers can find themselves in a car accident situation. In Utah alone, there were over 62,000 car accidents in 2016. That is why it is better to be prepared and know what to do ahead of time if the unfortunate should occur. So what do you do after a car accident?

1. Check for Injuries

The first thing to be done after a collision of any kind is to check for injuries. If it is a minor car accident and you are able to check yourself over first. Are you bleeding? Can you move your limbs without pain? Are you having trouble breathing? Once you’ve established your injury level check on any passengers that are in the vehicle with you. If you are able to exit the v
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Compare Car Insurance Policies

With so many different insurance companies out there, it can be difficult and overwhelming to decide which one is right for you. It doesn't have to be complicated, though. We'll help you compare car insurance policies. An independent agent like Keystone Insurance has already done the hard work establishing relationships with the most sought after companies such as Bear River Mutual Insurance which means that we can do all the work FOR you. We'll make finding the right insurance company and coverage smooth and simple. There are a couple of important things for you to consider when
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Acts of God Utah Insurance Coverage

Am I Covered For Acts of God In My Insurance Policy?

We’ve all seen the comedy sketches where something really bad happens to someone like a giant tree falling through the roof during a storm, destroying their home, only for the insurance agent to say, “Sorry, your policy excludes coverage for ‘acts of God…’” This scenario could happen to any of us in reality, but that’s exactly what insurance should cover! Let’s examine what’s really going on regarding the ambiguities of these so-called ‘acts of God’ circumstances. We'll dispel some of the myths surrounding Acts of God exclusions and get you informed.

What Are Acts of God?

First, let’s define which events coul
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Never Do This to your Motorcycle

Do you consider yourself to be a garage tinkerer? Many motorcycle owners enjoy doing basic mechanic work themselves, but these actions can create more problems than they solve if you’re not trained properly. Below are some of the most common mistakes that motorcycle owners make and how you can avoid falling into the same trap. test
  1.  Make permanent modifications: If you really want those chrome accessories, make sure that they’re removable and that you’ve kept the original parts in a safe place. When you decide to sell, you’re likely to get a higher offer on a bike with factory parts and paint. And you can always sell your extra removable parts separately as well.
  2. Skip washes: The delicate inner workings of motorcycles are
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