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Peace of mind...

The concept of insurance starts with the the insurable interest and the use of the property. Each different peril or "causes of loss" have created several types of policies.

In short, we will lay out the different scenarios for a quick understanding:


* Homeowner policies, insures the dwelling where the property OWNER resides along with personal property and a value in additional structures in the same lot. The different peril  makes the difference between policies.


* Renter policies, insures the property within the RENTED dwelling -as renters do not own the building.


* Landlord policies, protects landlords for damages to their property by a covered loss -since they are not the primary users of the property-


* Manufactured homes, because the building of these structures differ with the building of regular homes, certain restrictions apply (along with certain perils not covered)


* Mobile home policies, because the building, base or main structure are not permanent, certain restrictions apply. These policies are also built differently.


For each of these policies, there are several differences and coverages hard to explain in a few lines. Please give us a call to resolve any question you may have.

Octavio R. Mejia President - Principal

Insurance, Tax, Immigration, Notary, Translations & more


Map Click: 443 W 200 N
Cedar City, UT 84720

Phone: (435) 865-6615

Fax: (435) 865-5851


Our Business Hours

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10:00 am - 07:00 pm

Sat :

10:00 am - 04:00 pm

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