Independent Insurance Agent in Salt Lake City, UT

Salt Lake City insurance from a Utah independent agent

I'm Zack McGonigle, an independent insurance agent with Cottonwood Insurance serving Salt Lake City and the whole valley. From historic Avenues homes to downtown condos, I shop multiple carriers for the right coverage at a fair price, 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 Salt Lake 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

Salt Lake homes come with Salt Lake quirks

Century-old houses, an active fault line, and city auto rates. Here is what I watch for.

Older character homes

Sugar House bungalows and Avenues Victorians are beautiful and expensive to rebuild. Older wiring, plumbing, and foundations need the right endorsements. I'll make sure the policy fits the house.

Earthquake exposure

The Wasatch Fault is real. Standard homeowners policies exclude earthquake damage, so I'll walk you through what a quake endorsement costs and whether it makes sense for you.

City auto rates

Denser traffic, more theft, higher rates. I'll shop carriers aggressively and stack every discount, from safe driver to bundling, to keep your premium in check.

Condos and rentals

Downtown and Sugar House condos, plus a big rental market. Whether you own or rent, I'll make sure the HO-6 or renters policy actually covers what you think it does.

Salt Lake City insurance questions

Do I need earthquake insurance in Salt Lake City?+

It's worth a real conversation. Standard policies exclude earthquakes, and we're on an active fault. I'll price the endorsement so you can decide with numbers, not fear.

Why are auto rates higher in the city?+

More cars, more accidents, more theft. The fix is shopping carriers, because each one prices Salt Lake zip codes differently, and stacking discounts.

Do you work with first-time buyers?+

All the time. I'll coordinate with your lender, get proof of insurance over fast, and explain every line so you know what you're buying.

Which neighborhoods do you serve?+

All of Salt Lake City and Salt Lake County: the Avenues, Sugar House, Millcreek, Murray, Taylorsville, West Valley, and beyond.

Let's talk

Serving Salt Lake City 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 Salt Lake City, Salt Lake County, and every county in Utah, plus clients in Oregon and Arizona.