Protect Your Home and Everything In It

Here in Logan, Utah, Birch Creek Insurance understands how much heart and hard work you’ve put into making your house a home.

We value our Logan, Utah clients and are dedicated to providing each one with a personal and pleasant experience.


Your home in Cache Valley is one of the most important financial investments you'll make in your lifetime. That’s why having the right coverage is essential—to protect your investment and give your family the peace of mind that they’ll always be safe and secure.


Protect Yourself, Your Home, and Your Finances

Accidents can happen anywhere—even at home. If someone is injured on your property, you could be held financially responsible for medical bills, damages, or legal costs.


As a property owner, you’re accountable for injuries caused by hazardous conditions such as poor lighting, slippery floors, or snow and ice-related falls. With a Homeowners insurance policy from Birch Creek Insurance in Providence, Utah, you can safeguard your finances and protect your family’s future.


In the case of serious injuries or even fatalities, the costs can be overwhelming—medical expenses, legal fees, and court judgments could threaten your financial security. Our policy is designed to protect you in a wide range of situations, including:

  • Claims for property damage

  • Claims for injury to others, (either on or off the premises)

  • Liability defense costs

  • Medical expenses for injuries to others

Having the proper Homeowners Liability Insurance for your home will prepare you for future accidents and help preserve your hard-earned assets and finances. Talk with a representative from Birch Creek Insurance to determine the right amount of coverage to keep you protected today.

FAQS

What does homeowners insurance typically cover?

Homeowners insurance protects you from a variety of risks—like fire, theft, vandalism, hail, windstorms, and more. It also includes liability coverage if someone gets hurt on your property, and can help cover living expenses if you’re forced to leave your home after a covered event. Every policy is different, so it’s important to review yours carefully and consider any add-ons that might better protect your home and family.

How is the cost of homeowners insurance determined?

The cost of homeowners insurance is influenced by various factors, including the location of your home, its replacement cost, the age and condition of your home, your claims history, and the coverage limits you choose. Additionally, factors like the presence of security systems, proximity to fire hydrants, and your credit score can impact your premium. It's a good idea to work with an insurance agent to assess your unique situation and find a policy that offers the right coverage at an affordable price.

Is flood damage covered by standard homeowners insurance?

No, standard homeowners insurance typically does not cover flood damage. To protect your home from flood-related losses, you would need to purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer. It's important to assess your risk based on your location and consider obtaining flood insurance if you live in an area prone to flooding, even if it's not required by your lender.