Personal Coverage
Personal Insurance
Tailored to Your Life
Bowthorpe & Associates has been helping Utah families feel protected since the early 1980s. We compare top carriers so you get the right coverage — not just the easiest option to sell.
Get a Personal QuotePersonal Coverage Options
From your home to your boat to your family's future, we have coverage for every part of your personal life.
Homeowners Insurance
Protect your home and belongings from fire, theft, weather damage, liability, and more. We compare top carriers to find the right fit for your property and budget.
Auto Insurance
From minimum state requirements to comprehensive coverage, we help Utah drivers find affordable auto policies — including high-risk and SR-22 situations.
Umbrella Insurance
An extra layer of liability protection above your home and auto limits. One umbrella policy can protect your savings, home, and future income from major claims.
Motorcycle Insurance
Customized coverage for your bike whether you're a weekend rider or a daily commuter. We cover liability, collision, comprehensive, and accessories.
Boat & Watercraft Insurance
From fishing boats to jet skis, we offer coverage for your watercraft on Utah's lakes and reservoirs — including liability, physical damage, and emergency assistance.
RV & Motorhome Insurance
Whether your RV is parked or on the road, we'll find coverage that fits your travel lifestyle — full-timers and seasonal campers alike.
ATV & Off-Road Insurance
Protect your ATV, UTV, or dirt bike with coverage designed for off-road adventures. We offer liability, collision, and comprehensive options.
Life Insurance
Term or permanent life insurance to protect your family's financial future. We'll help you understand your options and find the right coverage for your situation.
Personal Insurance FAQs
Do I need more than the minimum auto coverage in Utah?
Utah's minimum liability requirements are relatively low. If you have assets to protect — a home, savings, retirement accounts — carrying higher limits and an umbrella policy is strongly recommended. We'll help you understand your real exposure.
How much home insurance do I need?
Your dwelling coverage should be based on the cost to rebuild your home, not its market value. We'll help you identify the right amount, including coverage for your personal property, liability, and loss of use.
What's the benefit of bundling home and auto?
Bundling with a single carrier typically saves 10–25% on premiums. It also simplifies your billing and claims experience. That said, sometimes separate carriers are still the better value — and we'll always tell you which is which.
Can you help if I've had accidents or violations?
Yes. We work with carriers that specialize in nonstandard and high-risk auto insurance. We'll find the best available rate for your situation without judgment.
Carriers We Work With
Ready to Get Covered?
Call us or request a quote online. One of our licensed agents will compare options from our carrier network at no cost to you.