Independent Insurance Agent in Draper, UT

Draper insurance for the tech corridor

I'm Zack McGonigle, an independent insurance agent with Cottonwood Insurance serving Draper and the south valley. Tech professionals and growing families in Traverse Mountain and beyond need coverage that keeps up. 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 Draper

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

Draper's growth brings specific coverage needs

Hillside homes, HOA communities, and growing net worth. Here is what I watch for.

Traverse Mountain and hillside homes

Hillside construction, wildfire exposure on the benches, and newer large homes. I'll make sure rebuild costs and fire risk are priced honestly, not hopefully.

High earners, high assets

Stock comp and growing net worth mean your liability exposure grows faster than your old policy. Umbrella and higher limits keep up with the career.

HOA communities

Many Draper neighborhoods have HOAs with master policies that cover less than owners assume. I'll review yours and close the gaps on interiors, liability, and assessments.

Commuter auto

I-15 commutes mean real miles. I'll find carriers that price your actual driving well and stack commuter-friendly discounts.

Draper insurance questions

What does my HOA master policy cover?+

Typically the building exterior and common areas. It rarely covers your interior finishes, belongings, liability, or special assessments. I'll review the HOA docs with you.

Do I need higher liability limits as my income grows?+

Your insurance should grow with your net worth. I'll review your limits against your assets and recommend where umbrella makes sense.

Is wildfire a real risk in Draper?+

On the benches and near open space, yes. I'll check how your carrier treats wildfire exposure and make sure you have real coverage, not a surprise exclusion.

Do you cover Riverton and South Jordan?+

Yes. Draper, Riverton, South Jordan, Herriman, Bluffdale, and the whole south valley.

Let's talk

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