Financial Network Insurance Agency

10/09/2026

10/07/2026

Why does your insurance company want to know about your roof?
Because your roof is a BIG part of the home's risk. Insurers may consider things like roof age, roofing material, condition, location, and weather exposure. If you've recently replaced your roof, tell your agent. Keeping your property information current helps make
sure the policy is rated and written using accurate information.

10/05/2026

Medical Payments coverage - what's that?
Depending on your policy and state, Medical Payments coverage can help pay certain medical expenses for you and/or passengers after an auto accident, regardless of fault, subject to policy terms and limits. It's one of those little lines on a declarations page that's worth understanding.

09/30/2026

Rental Reimbursement is not Rental Car Insurance Easy ones to confuse! Rental reimbursement on your auto policy can help pay for a temporary rental vehicle when your covered auto is being repaired after a covered loss, subject to the policy's limits and terms. That's different from coverage involving a vehicle you rent while traveling.

09/28/2026

Your detached garage may not be covered the same way as your house Homeowners policies typically separate the dwelling from other structures such as detached garages, sheds, fences, and certain other structures on the property. If you've added or upgraded an outbuilding, make sure your agent knows about it.

09/23/2026

What's an umbrella policy?

No, it has nothing to do with rain. Personal umbrella insurance provides additional liability protection above certain underlying policy limits. For households with significant assets - or simply more liability exposure - it can be an important conversation
to have.

09/21/2026

Your jewelry may need a little extra attention Engagement rings, expensive watches, collectibles, fine art... A standard homeowners policy may have special limits for certain types of valuable property or certain causes of loss. Depending on what you own, scheduling valuable items or adding additional coverage may be worth
discussing.

09/19/2026

Growing your practice? Adding your first employee changes your insurance obligations, and workers' comp is the one people forget.

In Utah, having employees generally triggers a workers' comp requirement. Solo shops usually don't need it. The moment you hire, the rules shift.

If you've grown recently, let's make sure you're covered and compliant.