Trusted. Local. Independent.
Insure Right Insurance Agency has the knowledge and expertise to help with your insurance needs in St. George, Utah.
We’re your one-stop-shop for contractors insurance and business insurance. Start a quote by clicking below or give us a call at 801-407-8360 to start the conversation.
Get quotes from multiple insurance companies in St. George, Utah.
Insure Right Insurance Agency has your covered.
We’ve built our insurance agency around understanding what you need and what’s important for your family or business to protect. That’s why we work with a wide range of insurance companies and products in St. George, Utah to meet your specific needs, including customized coverages.
We don’t work for the insurance company, we work for you.
Insurance for St. George homes, retirees and businesses
St. George's warm climate draws retirees, second-home owners and a booming business community. Insure Right is a Utah independent agency that compares multiple carriers for Southern Utah coverage. Our office is in American Fork, and we handle quotes, policy changes and e-signatures by phone and email, so you never have to make the drive.
How we help in St. George
Retirees and second homes
Part-time and seasonal homes need the right policy for when they sit empty. We'll review vacancy rules, water damage and liability.
Short-term and long-term rentals
Renting out a home or casita needs a landlord or short-term rental policy, not a standard homeowners policy. We'll make sure liability and loss of rent are covered.
RVs, boats and golf carts
Sand Hollow, Lake Powell trips and desert trails mean toys to protect. We insure RVs, boats, side-by-sides and golf carts.
Local contractors and businesses
St. George keeps building. We write general liability, workers' comp, commercial auto and builder's risk for contractors and local businesses.
Utah coverage notes for St. George residents
Auto minimums went up. Utah policies issued or renewed after Dec 31, 2024 must carry at least 30/65/25 liability plus $3,000 of personal injury protection (PIP). Utah is a no-fault state, so PIP pays your own medical bills first. Minimums rarely cover a serious accident, so we'll show you what higher limits cost.
Flash floods aren't covered by a standard home policy. Southern Utah's summer monsoon storms can send water through washes and neighborhoods fast, and standard homeowners policies exclude flood. Flood insurance is a separate policy, and federal flood policies usually have a 30-day waiting period, so it pays to set it up before storm season.
Top insurance policies to fit your business.
No business is the same, but many companies share common risks. These key commercial insurance policies can help protect your business from common accidents, lawsuits, and damages. We offer tailored policies to help protect your business from fast-moving risks.
St. George, Utah Independent Agent vs The Rest
Here is a quick comparison of the differences between an independent agency in St. George, Utah like us, and the various other types of companies that are out there:
A customer says your work damaged their property. Here's how contractors should respond in the first 24 hours to protect the relationship, their reputation and their insurance coverage.
Burst pipes, sewer backups and sump pump failures are treated very differently by Utah homeowners policies. Here are 5 water damage gaps and how to close them before winter.
Electrical work has a long tail. Here are five insurance gaps electrical contractors overlook, from completed-operations fires and design errors to stolen copper, uninsured subs and Utah's new $1M/$2M contractor minimum.
