Find the Best Homeowners Insurance Rates and Companies in Utah
The median home value in Utah is $499,127. Whether your home value is higher or lower than average, if you own a home in Utah, you need a reliable homeowners insurance policy to protect your investment in your home. Homeowners insurance helps you recover your financial losses when your home or belongings are damaged or destroyed.
An independent insurance agent can help you find the best home insurance in Utah. Independent agents can help you get quotes from multiple insurance companies so that you can make the best choice for your needs and budget.
Best Homeowners Insurance Companies in Utah
You can find homeowners insurance in Utah from several highly rated insurance companies. The following are some of the best homeowners insurance companies in Utah. These companies provide a mix of valuable coverage offerings, excellent customer service, and competitive pricing.
- Safeco: Safeco has been protecting individuals and families since 1923. The company offers homeowners insurance in Utah, as well as a comprehensive range of other personal insurance policies. Working through independent agents, Safeco makes it easy to get the best mix of coverage and pricing.
- Progressive: Progressive is based in Ohio, but offers homeowners insurance across all 50 states, including Utah. Utah residents can look to Progressive for most of their personal insurance needs.
- Nationwide: Nationwide provides homeowners insurance and other popular types of insurance coverage in Utah. The company is headquartered in Columbus, OH, and is represented by independent insurance agents in 50 states, including Utah.
- Travelers: Travelers offers highly rated homeowners insurance in Utah. It can meet your additional personal insurance needs with a full line of products including auto, boat, identity theft, umbrella, and other coverages.
- Foremost Insurance Group: Founded in 1952, Foremost Insurance Group offers a selection of personal insurance policies including home and auto insurance. The company offers flexible payment plans, numerous discounts, and 24/7 customer service.
An independent insurance agent in your area can help you learn more about these and other homeowners insurance companies in Utah. A local agent can help you get competitive quotes for the coverage that fits your insurance needs.
What Homeowners Insurance in Utah Can Cover
The primary purpose of homeowners insurance in Utah is to protect you from the costs of property damage caused by events like fires, storms, tornadoes, theft, and more. Your Utah homeowners insurance should reimburse you for the cost of repairing or rebuilding your home and replacing damaged possessions.
Homeowners insurance also provides liability insurance, which protects you if you or a family member is sued for some type of negligence.
In Utah, you face potential threats to your property all the time, including natural disasters like severe storms and tornadoes. Here are the top 5 property risks in the state:
- Wildfires and residential fires
- Flooding and water damage
- Severe storms and lightning damage
- Wind damage
- Burglary and other property crimes
Homeowners insurance in Utah typically covers much of the damage caused by natural disasters, including damage caused by wind, rain, hail, and fire. It also covers damage and other losses caused by a break-in or vandalism. But keep in mind that homeowners insurance in Utah does not cover flood damage. For flood coverage, you’ll need to purchase a separate flood insurance policy.
A typical Utah home insurance policy will contain several coverage categories that can help you after a natural disaster or another property damage event. These provide coverage for the inside and outside of your home according to your policy specifics. What’s more, your home insurance policy in Utah covers expenses related to the temporary loss of use of your home after a covered event.
A homeowners insurance policy typically categorizes property coverage and coverage limits as follows.
- Dwelling coverage: Covers your house and attached structures. It also covers items like plumbing, heating, and permanently installed air-conditioning systems, and electrical wiring.
- Other structures coverage: Protects other structures on the property such as detached garages, tool sheds, retaining walls, and so on.
- Contents coverage: Protects the contents of your home and other personal belongings owned by you or family members who live with you.
- Loss of use coverage: Helps you with additional living expenses if your home is damaged by a covered peril (e.g., a fire) and you cannot live in your home while repairs are being made. It typically covers expenses like housing, meals, storage, and more, as long as they are in line with your usual living expenses.
Home insurance in Utah also provides liability coverage for when you're faced with a lawsuit or negligence claim. This is essential protection for your assets. Personal liability coverage provides coverage if you or a resident of your household is responsible for causing property damage or an injury to someone else.
You can also customize your policy to cover other risks. You can add coverage for identity theft, sewer and water backup, scheduled personal property, business property, and more.
A local independent insurance agent can help you find homeowners insurance in Utah.
What Homeowners Insurance in Utah Will Not Cover
Homeowners insurance covers a wide range of problems that homeowners can encounter. But it’s important to recognize that homeowners insurance policies in Utah do not cover every type of occurrence or natural disaster that you might encounter in the state.
First, home insurance in Utah does not cover flood damage. Since flooding can be a problem in some areas of Utah, it’s important to understand the flood risk for your home and consider purchasing flood insurance.
In addition to excluding coverage for flood damage, the liability coverage in your homeowners insurance policy in Utah will not protect you in all situations. If, for example, you hurt someone because of an intentional act, your liability coverage will not cover you. You can find all of the exclusions to your liability coverage in your policy documents.
And remember, whether you purchase a basic policy or a policy with more comprehensive coverage, almost all homeowners insurance policies in Utah will exclude coverage for damage caused by the following:
- Ordinance or law (e.g., demolition or construction required to bring your house up to code)
- Earth movement (e.g., earthquakes, sinkholes, landslides)
- Water damage due to floods, sewer backups, and water that seeps through the foundation
- Power failure
- Neglect
- War
- Nuclear hazard
- Intentional acts
- Governmental action (e.g., destruction, confiscation, or seizure of covered property by any governmental or public authority)
- Loss to property resulting from faulty zoning, bad repair or workmanship, faulty construction materials, and defective maintenance.
Be sure to understand all of your policy's exclusions when purchasing your Utah homeowners insurance.
Flood Damage in Utah
Flooding can be a significant concern for many homeowners, but Utah homeowners insurance does not cover flood damage.
Flooding can be a problem in some areas of Utah. In fact, it is one of the top five risks for homeowners in the state. In Utah, there are over 130,000 properties that have a greater than 26 percent chance of being severely affected by flooding over the next 30 years. This means that 16 percent of all properties in the state have this level of flood risk.
Not every homeowner in Utah will need flood insurance. It’s important to understand your flood risk and discuss your need for supplemental flood insurance with your independent insurance agent.
If necessary, your agent can help you purchase flood insurance from the National Flood Insurance Program (NFIP), a program established by the federal government to help homeowners recover after a flood event.
Average Cost of Homeowners Insurance in Utah
Utah is the 50th most expensive state for home insurance. This is great news for homeowners in Utah, who enjoy the second-lowest average rates in the nation.
- National average yearly premium: $1,211
- Utah average yearly premium: $692
When you receive quotes for homeowners insurance in Utah, expect your premiums to be more or less than average. Everyone’s homeowners insurance rates are different because insurance costs are based on your individual home's characteristics and the amount of coverage you need.
The type of home you have (one-story, townhome, two-story, etc.) and its age, size, and value are the first characteristics that insurance companies use to determine your home insurance rates. They also consider the types of materials used in your home's construction, as well as several other factors, such as:
- Your claims history and credit score
- Your coverage limits and the deductible that you choose
- The crime rate and weather risks in your city or ZIP Code
The best way to ensure you get the best price is to shop around. A local independent insurance agent can help you get home insurance quotes in Utah.
Average Utah Home Insurance Costs by City
Homeowners insurance costs vary from city to city just like they vary from home to home and state to state. If you live in a city with a high crime rate or a history of natural disasters, you’ll likely pay more for homeowners insurance than someone who lives in a very safe city. Residents of larger cities often pay more than those who live in rural areas.
In Utah, residents of towns with higher-than-average property values pay more for home insurance coverage than people who live in cities with lower property values.
Park City, UT, a city with very high average home values ($972,559), has the highest average home insurance rates in the state. Homeowners in Ogden, where average home values are much lower ($143,600), can find some of the cheapest home insurance rates in Utah.
Average Utah Home Insurance Costs by City
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,428 year
| City | Annual insurance cost | Avg. home value | Burglaries (per 1k residents) |
| Bountiful | $732 | $316,300 | 2.64 |
| Draper | $1,131 | $469.000 | 4.21 |
| Layton | $597 | $235,000 | 2.45 |
| Lehi | $797 | $308,786 | 2.57 |
| Logan | $483 | $179,181 | 3.13 |
| Murray | $818 | $265,277 | 9.45 |
| Ogden | $447 | $143,600 | 6.28 |
| Orem | $593 | $238,700 | 1.75 |
| Park City | $1,568 | $972,559 | 3.9 |
| Price | $530 | $138,189 | 10.56 |
| Provo | $627 | $248,600 | 2.13 |
| Riverton | $835 | $319,186 | 3.04 |
| Roy | $468 | $174,133 | 2.6 |
| Salt Lake City | $862 | $285,100 | 8.97 |
| Sandy | $850 | $312,600 | 4.69 |
| South Jordan | $988 | $385,300 | 2.45 |
| St. George | $713 | $264,800 | 4.28 |
| Taylorsville | $606 | $216,534 | 5.39 |
| West Jordan | $709 | $252,100 | 5.78 |
| West Valley City | $589 | $202,200 | 6.5 |
Popular Questions about Utah Home Insurance
The national average homeowners insurance premium is $1,211. Utah is ranked 50th in the nation for home insurance rates. That means with an average annual premium of $692, homeowners insurance rates in Utah are nearly the lowest in the nation. Most homeowners will pay more or less than average, depending on the specific risk factors for their home and neighborhood.
The main purpose of homeowners insurance is to cover property damage. Home insurance policies in Utah will include dwelling coverage, other structures coverage, contents coverage, and loss of use/additional living expenses coverage. These help you with the costs related to property damage after a covered event.
Homeowners insurance in Utah also includes homeowners liability coverage. It protects you when someone claims you have caused an injury or property damage. It covers the injured party's expenses (e.g., medical bills, property repairs) and your legal fees if you're sued. After a lawsuit, it can even cover financial settlements or court-ordered judgments.
There is no law that requires you to purchase home insurance in Utah. But it’s important to understand that your mortgage lender will require you to have homeowners insurance and will require proof that you have it. With over $306 million in home insurance claims paid in Utah in one year alone, proper home insurance protection is necessary to avoid a major loss.
Homeowners insurance rates in Utah are not one-size-fits-all. Insurance companies calculate your rates by looking at your home, the risk factors for your neighborhood, and your specific coverage needs.
If, for example, you live in a ZIP Code with a high crime rate or that is highly susceptible to natural disasters, you can expect to pay more than someone living in a safer area. In addition, owners of more valuable homes that are more expensive to repair or rebuild will pay more for home insurance than someone who owns a home with a lesser value.
Yes. There are currently 98 independent insurance agencies who can help you find appropriate home insurance coverage in Utah. They can offer quotes from multiple insurance companies, free of charge.
You have a lot of options for your homeowners insurance policy in Utah.
The best homeowners insurance companies in Utah are Safeco, Progressive, Nationwide, Travelers, and Foremost Insurance Group. These companies are highly rated for their mix of valuable coverage offerings and competitive pricing.
Utah does not require homeowners insurance, but you’ll likely be required by your mortgage lender to have it.
Searching for the best and most affordable homeowners insurance in Utah can be frustrating and confusing. That’s why it pays to have an experienced insurance professional in your corner.
Instead of getting an online quote, find an independent insurance agent in Utah now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
Contact an agent today for a free, no-obligation consultation.
Do You Know What Your Utah Home Insurance Covers?
Average Cost of Home Insurance Near You
Average monthly cost of homeowners insurance in Ogden: $37
Your actual costs will be calculated according to a variety of factors, including details about your property, the crime rate in your ZIP Code, the amount of coverage you are purchasing, and in many cases, even your credit score. It should therefore come as no surprise if your quoted rates deviate a bit from this average.
As a homeowner, there are a number of ways that you might find yourself facing exorbitant costs. A bad storm can damage your roof, a burglary can result in the loss of your family heirlooms, or a neighbor can trip on a step you’d meant to repair and break a bone. With the right homeowners insurance, you can be shielded from large financial losses related to a number of hazards such as property crimes, severe weather events, liability lawsuits, and residential fires, whether they result from an accident or a wildfire.
Average monthly cost of homeowners insurance in Orem: $49
Bear in mind, however, that rates can vary significantly from one homeowner to the next. This is because they are calculated for each applicant according to a number of factors, including the age, size, and value of your house and your credit and claims history. When you compare quotes from multiple carriers, you can be certain that you are getting your coverage at a competitive rate.
Your Orem home insurance can shield you from financial losses caused by a number of risks you may face as a homeowner in Utah. These can include liability lawsuits, damage caused by severe weather, residential fires, and burglaries. You will want to make sure that the policy you choose will sufficiently cover you against the extreme damage that your house may sustain in the event of a mudslide, wildfire, or other major event. It is important to note that residents of this city have a risk of damage caused by floods and earthquakes, but these hazards are not covered by home insurance.
Average monthly cost of homeowners insurance in Park City: $131
With its extremely expensive homes, it is little wonder that coverage rates are so high in this city. Of course, you should use this amount as a baseline only, since your actual rates will be specific to you. Details such as the age, size, and construction of your home and your credit and claims history can play a significant role in how your rates are calculated.
You have invested a lot in your home. It is important that you protect that investment with an all-encompassing Park City homeowners insurance policy. This insurance is designed to cover you against most of the risks you are likely to face as a Park City homeowner, including severe storms, wildfires, landslides, and property crimes. It is important to note that hazards such as floods and earthquakes are not covered by home insurance. For that, you will need a supplemental flood insurance or earthquake insurance policy.
Average monthly cost of homeowners insurance in Price: $44
Your actual rate will be calculated according to a number of different factors, including details about your property, the crime rate in your ZIP Code, and the amount of coverage you are purchasing. It should therefore not be surprising if your quoted rate deviates from this average. Comparing quotes lets you get your coverage at the best price.
Price homeowners insurance is designed to protect you from a number of possible financial risks you face as a property owner in this city. This includes the costs associated with severe weather damage, liability lawsuits, and residential fires. It also covers against property crimes like burglaries, which are a real problem in this city. It is important to make sure that your belongings are fully covered. If you own any particularly valuable items, covering them may require you to purchase special riders or endorsements.
Average monthly cost of homeowners insurance in Provo: $52
Remember that this rate is just an average. Your actual home insurance cost could be less or more than this, since it depends on a variety of factors like your home's size, location, and building materials. Insurance should be a personalized protection plan that covers your property against a full spectrum of risks.
Provo homeowners insurance is designed to meet the specific needs of homeowners in this city. It can cover against a wide variety of risks such as burglaries, severe weather damage, liability lawsuits, and residential fires. Whether a fire in your home was caused by an accident, such as leaving a candle burning when you go to bed, or an outside force, like a wildfire, the damage can be severe. Knowing that your home insurance can cover the cost to replace your belongings and enable you to repair or rebuild your home can prove comforting.
Average monthly cost of homeowners insurance in Salt Lake City: $72
Your actual cost could be less or more than this. Why? Because your rates depend on factors like the size of your house, the building materials used in its construction, the crime rate in your ZIP Code, and your claims and credit history. Comparing quotes enables you to be sure that the policy you choose is competitively priced.
Salt Lake City homeowners insurance is designed to protect you from financial losses that are associated with a number of risks you may face as a property owner in this city. This includes liability lawsuits, severe weather damage, and residential fires. It also covers property crimes, which is of particular importance in Salt Lake City, where the burglary rate is much higher than the state average. Make sure that all of your most valuable property is fully insured. Sometimes this requires the purchase of special endorsements.
Average monthly cost of homeowners insurance in Sandy: $71
Your particular home insurance cost could be less or more, depending on factors like the size of your house, your credit score, your house's building materials, the crime rate in your ZIP Code, and the amount of coverage you wish to buy. Comparing quotes lets you be sure you are getting your policy at the right price.
Your Sandy homeowners insurance is designed to protect the investment you have made in your home by covering the costs associated with a variety of risks you may face. If you are evacuated from your home due to an approaching wildfire, or if a guest in your home is severely injured on a stairway you had been meaning to repair, or if you come home to find that your house has been burglarized, you can rest assured knowing that your home insurance carrier has your back.
Average monthly cost of homeowners insurance in St. George: $59
Of course, rates can vary significantly from one homeowner to the next because they are calculated for each person according to a number of factors. These include the age, size, and value of your house. When you compare quotes from multiple carriers, you can be sure that you are getting the best price for your coverage.
Your St. George home insurance can shield you from financial losses caused by a variety of risks you may face as a homeowner in this Utah city. These can include liability lawsuits, damage caused by severe weather, burglaries, and fires, whether caused by an accident in your home or a wildfire. Fires can be particularly devastating, especially when they result in a total loss. You may find comfort in knowing that your insurance company can provide you with the funds you need to rebuild, replace, and move on.
Average monthly cost of homeowners insurance in West Jordan: $59
Rates can vary significantly from one person to the next, however, since several factors are used to determine them. Details such as the crime rate in your ZIP Code, a trampoline on your property, and the last time you got your roof replaced, are all factors that can impact how much your homeowners insurance costs. Each insurance company assesses risk and determines rates in a different way, so it is advantageous to compare rates from multiple companies before making a purchase.
The money you have put into purchasing your home is one of the biggest investments you will ever make. It is important that you protect that investment with a comprehensive and reliable West Jordan home insurance policy. Your insurance is designed to cover a wide variety of risks such as burglaries, severe weather, accidental fires, and liability lawsuits.
Average monthly cost of homeowners insurance in West Valley City: $49
Your specific home insurance rate will depend on a number of unique factors like your home's size, location, and value and details about your claims history and credit score. Each insurance company has its own method for calculating rates so it is beneficial to obtain and compare quotes from multiple carriers.
Residents of Utah do not experience as many severe weather events as other homeowners across the country. However, if a severe storm or other hazard causes damage to your home, it pays to have a reliable insurance policy backing you up. In addition to severe weather damage, your West Valley City homeowners insurance can cover you against liability lawsuits, burglaries, and residential fires.