West Jordan Homeowners Insurance
Are you looking for homeowners insurance in West Jordan, UT? Give our West Jordan homeowners insurance guide a quick read to understand what you'll need.
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Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.
With a population of more than 103,000 residents, West Jordan, UT is a growing city in the suburbs of Salt Lake City. Broadview University and Salt Lake Community College both have campuses here, and the TRAX light rail line provides an easy way for commuters who work in Salt Lake City to get to work. Additionally, the nearby Jordan River and Oquirrh Mountains offer residents many scenic views. If you are one of the many homeowners who have happily settled here, you will want to be sure to protect your investment with a suitable West Jordan home insurance policy.
Comparison shopping enables you to find a home insurance policy at a competitive price, and independent insurance agents in our network make shopping around for great coverage easy. These agents are able to obtain gather West Jordan home insurance quotes from a variety of highly-rated providers so that you can easily purchase an affordable policy that meets both your coverage and budgetary needs. Find an agent near you to learn more.
- National yearly premium average: $1,034
- Utah yearly premium average: $580
- 49th most expensive premium in the U.S.
The good news for those shopping for West Jordan home insurance is that homeowners in Utah pay a lot less for their coverage than most people across the nation. This is mainly because the risk of damage caused by severe weather events is rather low in this state. Although the figures listed above may give you a general idea of what you can expect your costs to be, they are just averages. The only way to find out how much coverage will cost you is to request quotes from insurance companies. Insurance providers take a number of factors into consideration when they calculate your West Jordan home insurance rates. Your costs are influenced by several variables, including these:
- The value and estimated rebuilding cost of the house you are insuring
- The materials from which your house was built
- The ZIP code where your house is located
- The amount of property coverage you need
- The amount of your deductible
- Your claims history and, in some cases, your credit score
- Your bundling option, i.e., whether or not you are bundling your coverage with other types of coverage, such as car insurance
To ensure you are getting your policy at the best price, it is recommended that you compare at least three West Jordan homeowners insurance quotes before making a selection.
Second Home and Vacation Home Insurance
If you own more than one home, each will need to be covered by its own insurance policy. With a second home or a vacation home, your insurance needs will be a bit different, particularly if you rent a home to tenants while you are not using it. Homes that are left empty for long time periods also have associated risks such as vandalism and neglect. Be sure to discuss your coverage needs with your agent, who can help you find suitable policies for these additional homes.
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Number of Thefts in Utah
- National number of burglaries: 37,814
- Utah number of burglaries: 13,333
Burglary rates in the state of Utah are much lower than the national average, and in West Jordan, your risks remain low. However, this is not to say that burglaries are unheard of. In recent years, there were 559 burglaries reported in this city. That equates to about 5.78 burglaries per 1,000 homes, which is below the national rate of 6.11. If your home is burglarized, your West Jordan home insurance company can compensate you for your losses. Be sure to have an inventory of your stolen property and a copy of the police report when you file your claim.
An agent can help you ensure that you have the right coverage in place for all of your valuables. You can reduce your risk of loss due to property crimes by taking basic steps like keeping your doors and windows locked, stopping mail delivery when you are away on vacation and keeping your entryways well-lit and visible. You may also want to consider installing a burglar alarm system, which may earn you a discount on your West Jordan homeowners insurance.
Number of Catastrophes in Utah
- Number of catastrophes in Utah: 106
- Number of tornadoes in Utah: 3
- Amount of property damage in Utah: $7,090,000
- 1 in 15 insured homes has a claim each year
Your West Jordan homeowners insurance policy provides you with compensation for damage to the structure and contents of your house if they are damaged or destroyed by a covered event such as a fire, heavy winds, falling objects or electrical storm. It is important that you review with your agent what is and is not covered by your policy so that you do not have coverage gaps that can cause you large financial losses.
What Are the Risks in West Jordan, UT?
West Jordan has very little risk of many of the common problems covered by home insurance, such as wind and hail damage, and this is reflected in lower home insurance coverage rates. However, homeowners in this area do have the risk of earthquake and flood damage, and neither of these events is covered by your West Jordan home insurance. While earthquake activity in West Jordan is a bit lower than the Utah state average, it is 282 percent higher than the overall national average. This is because of the city’s proximity to the Wasatch Fault line.
While most quakes felt by residents of this city are mild, there is a chance that one may eventually cause significant damage to your home. If you wish, your agent can help you secure a supplemental earthquake insurance policy. Furthermore, this city does experience occasional floods. What far too many homeowners often discover too late is that the expensive damage caused by floods is not covered by their home insurance. Fortunately, your agent can help you supplement your West Valley homeowners insurance with an affordable flood insurance policy through the National Flood Insurance Program (NFIP).
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Our independent agents shop around to find you the best coverage.
Compare West Jordan Home Insurance Quotes
The only way you can be certain that you are purchasing your West Jordan home insurance coverage at a reasonable rate is by requesting and reviewing costs and offerings from a variety of competing insurers. Unfortunately, consumers often find comparison shopping to be too time-consuming and frustrating and end up paying more than they need to. That is why savvy homeowners in West Jordan turn to agents in our network for help.
Because they are independent agents, they are free to work with a number of highly-rated insurance companies, and they can quickly and easily provide you with a selection of West Jordan homeowners insurance quotes for policies that have been customized to meet your personal coverage needs.
Find an agent with an office in or near West Jordan to get started.