Independent Insurance Agent in Holladay, UT

Holladay insurance for character homes

I'm Zack McGonigle, an independent insurance agent with Cottonwood Insurance serving Holladay and the east side. Established neighborhoods with older character homes need an agent who understands what those houses really are. I shop multiple carriers, quote the same day, and actually pick up my phone.

Takes about 60 seconds. No pressure, no spam, just a real quote from a real person.

Coverage for Holladay

Five areas, one point of contact. Tell me what you need and I'll shop the carriers to find your best fit.

Auto Insurance

For drivers who want solid protection at a fair price. I'll compare rates across carriers and check every discount you qualify for, from safe driver to bundling.

Get an auto quote

Home Insurance

Your home is probably your biggest asset. I'll make sure it's covered for what it would actually cost to rebuild, not just what the last policy said.

Get a home quote

Commercial Insurance

For business owners who can't afford gaps. General liability, property, and commercial auto, built around how your business actually operates.

Get a business quote

Umbrella Insurance

Extra liability protection that kicks in when your auto or home policy limits run out. Surprisingly affordable, and a must if you have assets to protect.

Get an umbrella quote

Life Insurance

Simple, honest guidance on protecting your family's future. I'll walk you through term vs. permanent in plain English and find coverage that fits your budget.

Get a life quote

Bundle & Save

Have more than one policy? Bundling auto, home, and umbrella with the same carrier is usually the fastest way to cut your total premium.

Get a bundle quote

Older homes need smarter coverage

Replacement costs, updated systems, and mature lots. Here is what I watch for.

Character home rebuilds

Mid-century ramblers and older colonials cost far more to rebuild than their market price suggests. I'll run a real replacement-cost estimate so you're not underinsured.

Updates and systems

Older wiring, plumbing, and roofs change how carriers price you, and recent updates can earn meaningful discounts. I'll make sure your policy reflects the updates you've made.

Mature trees and lots

Big trees mean falling-limb claims and root damage. I'll check your other-structures and liability coverage against the actual property.

Earthquake consideration

East-side homes near the Wasatch Fault should at least price an earthquake endorsement. I'll give you the real number so you can decide.

Holladay insurance questions

Will my older home cost more to insure?+

It can, mainly due to rebuild costs and older systems. But updates like a new roof, rewiring, or replumbing earn discounts that often offset it. I'll shop carriers that price older homes fairly.

What is replacement cost vs. market value?+

Market value is what the house would sell for. Replacement cost is what it takes to rebuild it. Insurance should be based on replacement cost, which I'll calculate properly for your home.

Do you cover Millcreek and Cottonwood Heights?+

Yes. Holladay, Millcreek, Cottonwood Heights, Murray, and the east side of the valley.

Should I consider earthquake insurance?+

Near the fault, it's worth pricing. Standard policies exclude earthquakes entirely. I'll quote the endorsement so you decide with real numbers.

Let's talk

Serving Holladay and Salt Lake County. Call, email, or start with the quote form. I actually pick up, and if I miss you, I'll call back the same day.

Reach me directly

(385) 541-2801

zackm@cottonwoodins.com

Office: Cottonwood Heights, Utah
Serving all of Utah, plus clients across Oregon and Arizona.

Office hours: Monday-Friday, 9am-6pm.
After hours, my cell is always on: (714) 403-7130

Prefer to start online?

The 60-second quote form is the fastest way to get numbers in front of you. Fill it out anytime and I'll take it from there.

Get My Free Quote

Proudly serving Holladay, Salt Lake County, and every county in Utah, plus clients in Oregon and Arizona.