Independent Insurance Agent in Park City, UT

Park City insurance for mountain homes and the life around them

I'm Zack McGonigle, an independent insurance agent with Cottonwood Insurance serving Park City and Summit County. Ski condos, luxury homes, and second homes need coverage that understands mountain living. 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 Park City

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

Park City properties play by different rules

Steep slopes, HOA master policies, and homes that sit empty half the year. Here is what I watch for.

High rebuild costs

Luxury finishes, custom architecture, and steep-slope construction make Park City rebuilds expensive. I'll make sure your dwelling coverage reflects real replacement cost, not a generic estimate.

Second homes and ski condos

Vacant half the year means vacancy clauses and freeze exclusions can bite. I'll structure the policy around how you use the place, and check what your HOA master policy actually covers.

Condo and HOA gaps

Many Park City owners discover too late that the HOA master policy covers the building but not their interior, liability, or loss assessments. I'll close those gaps.

Luxury and winter autos

High-value vehicles, winter driving, and cars that sit for months. I'll make sure your auto policy fits the garage, not a generic template.

Park City insurance questions

Do you insure second homes in Park City?+

Yes, it's a core part of what I do in Summit County. The key is the right occupancy status plus vacancy and freeze provisions, so a claim never gets denied while you're away.

What does my HOA master policy actually cover?+

Usually the building exterior and common areas, sometimes barely that. It rarely covers your interior finishes, personal property, liability, or special assessments. I'll review it with you and fill the gaps.

Is homeowners insurance more expensive in Park City?+

Often, yes. Higher rebuild costs, wildfire exposure, and winter risks push premiums up, and some carriers avoid the area. Being independent lets me shop carriers that compete for mountain homes.

Do you cover Deer Valley and the surrounding areas?+

Yes. Park City, Deer Valley, Kimball Junction, Snyderville Basin, and all of Summit County.

Let's talk

Serving Park City and Summit 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 Park City, Summit County, and every county in Utah, plus clients in Oregon and Arizona.