Best Utah Home Insurance (August 23)
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Are you searching for the best home insurance in Utah? We have analyzed all the insurance companies in the state to get you the best homeowners insurance quotes in Utah.
Why compare home insurance rates in Utah
- On average, home insurance in Utah costs around $840 yearly.
- The cost of Utah home insurance starts at $433 per year.
- Always ensure to get flood insurance coverage in Utah.
Utah homeowners insurance: what you need to know
On average, Utah home insurance costs around $820 yearly. The rate is much lower than the national average rate. Although homeowners insurance may be optional, it's still crucial. It helps in protecting your home and property from various calamities.
The price of a house insurance policy in a state may vary depending on the volume and cost of home insurance claims and the cost of the insured home and possessions. Therefore, shopping around and comparing prices from as many insurance providers as possible is the simplest approach to finding cheap homeowners insurance in Utah. Continue reading to know more about the rates for different coverage levels and find the cheapest home insurance in Utah.
What does a homeowners insurance policy cover?
A few typical home insurance policy coverages are Dwelling, Personal Property, Liability, Other Structures, Medical Payments to Others, and Additional Living Expenses. Before buying home insurance in Utah, ensure the insurers offer these coverages. You can also purchase the extra coverages listed below to increase the security of your home.
- Flood insurance: Having flood insurance coverage can be crucial if your home is in a flood plain or close to water. Unfortunately, HO-3 or HO-5 home insurance plans don't cover damage due to floods. However, you can buy one from the National Flood Insurance Program (NFIP) and some commercial insurers.
- Earthquake coverage: Residents can opt for a supplementary earthquake insurance policy or coverage, as standard home insurance plans do not cover earthquakes.
- Water backup coverage: Most home insurers provide this coverage. It protects if a sump pump malfunctions or your sewage line becomes clogged, allowing water back into your house. Flood insurance doesn't cover water backup; therefore, home insurance policies must include this coverage.
What isn't covered by a typical homeowners insurance policy?
Home insurance plans typically do not cover flooding, earthquakes, power outages, nuclear threats, sinkholes, insect and vermin infestations, conflict, wear, and tear, or intentional loss. Therefore, examining your Utah home insurance before purchasing is essential to ensure the coverages you receive.
The cheapest home insurance companies in Utah
A resident will always look to buy the cheapest home insurance in Utah. Farmers offer the lowest Utah home insurance with an average annual rate of $433. With a yearly rate of $535, Liberty Mutual offers the next best Utah home insurance.
To find the best homeowners insurance in Utah, you should always compare the quotes from multiple insurers and buy one. The following are the rates of the cheapest home insurers in Utah.
| Insurer | Average annual rate |
|---|---|
| Farmers | $433 |
| Liberty Mutual | $535 |
| Allstate | $566 |
| MetLife | $683 |
| Travelers | $746 |
The best homeowners insurance in Utah for poor credit
You can pay a higher insurance price if you have bad credit. Some businesses analyze your credit score to assess if you pose a high insurance risk. Residents with poor credit scores tend to submit more claims rather than pay for minor repairs themselves, which results in higher costs for insurers.
American Family has the lowest homeowners insurance in Utah for a homeowner with bad credit, with an average yearly premium of $1,085. If you got a bad credit score, it's a good idea to compare rates from different insurance companies, as not all of them will base their decisions on it.
| Insurer | Average annual rate |
|---|---|
| American Family | $1,085 |
| Farmers | $1,634 |
| USAA | $1,734 |
| State Farm | $1,867 |
| Allstate | $2,153 |
The best homeowners insurance in Utah for pool owners
Your premium may surge if you have a pool in your house due to the increased risk of accidents and liability claims. The same is true for trampolines and tree houses, albeit different insurance providers place different amounts of emphasis on these elements.
American Family offers the most affordable home insurance rates for Utah homes with swimming pools, with an average yearly premium of $638.
| Insurer | Average annual rate |
|---|---|
| American Family | $638 |
| Farmers | $823 |
| State Farm | $1,104 |
| USAA | $1,209 |
| Allstate | $1,693 |
The best homeowners insurance in Utah for dog owners
Because some dog breeds are considered 'dangerous' and result in more liability claims, insurers may charge dog owners higher premiums for home insurance in Utah.
American Family offers the most affordable homeowners insurance in Utah for a house with a dangerous dog breed, with an average yearly premium of $642.
| Insurer | Average annual rate |
|---|---|
| American Family | $642 |
| Farmers | $823 |
| State Farm | $1,104 |
| USAA | $1,209 |
| Allstate | $1,693 |
Homeowners Insurance deductibles in Utah
Where to set your deductible is one factor that impacts the rate of your home insurance in Utah. Your home insurance policy will specify how much claims cost you must pay out of pocket. Therefore, the insurance premiums you pay depend on the deductible you select. The general rule is that your premium will be higher the lower your deductible is.
Most Utah home insurance providers include below their typical deductibles and associated insurance prices.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $772 |
| $1,000 | $717 |
| $1,500 | $668 |
| $2,000 | $634 |
| $5,000 | $554 |
Utah home insurance prices by coverage levels
The amount of home insurance you purchase will affect your premiums. For instance, in Utah, having a dwelling coverage of up to $400,000 costs as much as $1,004 annually. At the same time, carrying coverage up to $100,000 costs an average of $450 yearly.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $450 |
| $200,000 | $602 |
| $250,000 | $717 |
| $400,000 | $1,004 |
Utah Homeowners insurance costs by city
The area where you live impacts the rate of home insurance in Utah. In addition, rates depend on city-specific factors, such as the volume of neighboring homeowners claims, your ZIP Code, and the crime rate in your area. The following are the rate of homeowners insurance in Utah for various cities.
| City | Annual Average Rate |
|---|---|
| Alpine | $938 |
| Altamont | $929 |
| Alton | $920 |
| Altonah | $933 |
| American Fork | $884 |
| Aneth | $916 |
| Annabella | $914 |
| Antimony | $911 |
| Aurora | $935 |
| Axtell | $934 |
| Ballard | $945 |
| Bear River City | $963 |
| Beaver | $909 |
| Benjamin | $917 |
| Benson | $889 |
| Beryl | $878 |
| Bicknell | $900 |
| Bingham Canyon | $901 |
| Blanding | $915 |
| Bluebell | $954 |
| Bluff | $944 |
| Bluffdale | $885 |
| Bonanza | $933 |
| Boulder | $883 |
| Bountiful | $875 |
| Brian Head | $922 |
| Brigham City | $936 |
| Bryce | $925 |
| Cache Junction | $920 |
| Cannonville | $925 |
| Carbonville | $940 |
| Castle Dale | $954 |
| Cedar City | $860 |
| Cedar Hills | $905 |
| Cedar Valley | $880 |
| Centerfield | $944 |
| Centerville | $905 |
| Central | $893 |
| Chester | $937 |
| Circleville | $899 |
| Cisco | $937 |
| Clarkston | $915 |
| Clawson | $939 |
| Clearfield | $859 |
| Cleveland | $956 |
| Clinton | $863 |
| Coalville | $941 |
| Collinston | $912 |
| Copperton | $903 |
| Corinne | $967 |
| Cornish | $921 |
| Cottonwood Heights | $901 |
| Croydon | $937 |
| Dammeron Valley | $902 |
| Delta | $943 |
| Deweyville | $924 |
| Draper | $919 |
| Duchesne | $984 |
| Duck Creek Village | $933 |
| Dugway | $943 |
| Dutch John | $941 |
| Eagle Mountain | $892 |
| East Carbon | $926 |
| Echo | $933 |
| Eden | $926 |
| Elberta | $886 |
| Elk Ridge | $920 |
| Elmo | $956 |
| Elsinore | $908 |
| Emery | $941 |
| Emigration Canyon | $921 |
| Enoch | $864 |
| Enterprise | $912 |
| Ephraim | $936 |
| Erda | $917 |
| Escalante | $907 |
| Eureka | $935 |
| Fairview | $948 |
| Farmington | $873 |
| Farr West | $910 |
| Fayette | $943 |
| Ferron | $928 |
| Fielding | $945 |
| Fillmore | $931 |
| Fort Duchesne | $929 |
| Fountain Green | $948 |
| Fruit Heights | $870 |
| Fruitland | $936 |
| Garden | $948 |
| Garden City | $935 |
| Garland | $950 |
| Garrison | $933 |
| Genola | $916 |
| Glendale | $913 |
| Glenwood | $912 |
| Goshen | $882 |
| Grantsville | $907 |
| Green River | $921 |
| Greenville | $926 |
| Greenwich | $898 |
| Grouse Creek | $936 |
| Gunlock | $890 |
| Gunnison | $947 |
| Hanksville | $896 |
| Hanna | $930 |
| Harrisville | $915 |
| Hatch | $900 |
| Heber | $907 |
| Heber City | $926 |
| Helper | $952 |
| Henefer | $937 |
| Henrieville | $926 |
| Herriman | $858 |
| Highland | $920 |
| Hildale | $897 |
| Hill Air Force Base | $858 |
| Hinckley | $953 |
| Holden | $934 |
| Holladay | $894 |
| Honeyville | $904 |
| Hooper | $892 |
| Howell | $924 |
| Huntington | $944 |
| Huntsville | $937 |
| Hurricane | $890 |
| Hyde Park | $883 |
| Hyrum | $882 |
| Ibapah | $949 |
| Ivins | $865 |
| Jensen | $940 |
| Joseph | $899 |
| Junction | $893 |
| Kamas | $944 |
| Kanab | $894 |
| Kanarraville | $884 |
| Kanosh | $934 |
| Kaysville | $902 |
| Kearns | $870 |
| Kenilworth | $957 |
| Kingston | $886 |
| Koosharem | $902 |
| La Sal | $929 |
| La Verkin | $889 |
| Lake Powell | $922 |
| Lake Shore | $913 |
| Laketown | $925 |
| Lapoint | $947 |
| Layton | $888 |
| Leamington | $948 |
| Leeds | $904 |
| Lehi | $885 |
| Levan | $959 |
| Lewiston | $942 |
| Lindon | $928 |
| Loa | $898 |
| Logan | $898 |
| Lyman | $897 |
| Lynndyl | $941 |
| Maeser | $940 |
| Magna | $890 |
| Manila | $924 |
| Manti | $929 |
| Mantua | $937 |
| Mapleton | $900 |
| Marion | $947 |
| Marriott-Slaterville | $913 |
| Marysvale | $906 |
| Mayfield | $924 |
| Meadow | $947 |
| Mendon | $951 |
| Mexican Hat | $919 |
| Midvale | $863 |
| Midway | $910 |
| Milford | $897 |
| Millcreek | $888 |
| Millville | $889 |
| Minersville | $901 |
| Moab | $911 |
| Modena | $880 |
| Mona | $918 |
| Monroe | $889 |
| Montezuma Creek | $927 |
| Monticello | $944 |
| Monument Valley | $926 |
| Morgan | $937 |
| Moroni | $939 |
| Mount Carmel | $908 |
| Mount Pleasant | $919 |
| Mountain Green | $944 |
| Mountain Home | $935 |
| Murray | $872 |
| Myton | $944 |
| Naples | $933 |
| Neola | $938 |
| Nephi | $955 |
| New Harmony | $901 |
| Newcastle | $870 |
| Newton | $934 |
| Nibley | $885 |
| North Logan | $892 |
| North Ogden | $926 |
| North Salt Lake | $881 |
| Oak City | $954 |
| Oakley | $950 |
| Ogden | $924 |
| Orangeville | $951 |
| Orderville | $901 |
| Orem | $897 |
| Palmyra | $890 |
| Panguitch | $904 |
| Paradise | $942 |
| Paragonah | $893 |
| Park City | $937 |
| Park Valley | $966 |
| Parowan | $889 |
| Payson | $908 |
| Peoa | $926 |
| Perry | $934 |
| Pine Valley | $894 |
| Plain City | $912 |
| Pleasant Grove | $938 |
| Pleasant View | $915 |
| Plymouth | $905 |
| Portage | $904 |
| Price | $939 |
| Providence | $892 |
| Provo | $904 |
| Randlett | $915 |
| Randolph | $919 |
| Redmond | $934 |
| Richfield | $908 |
| Richmond | $931 |
| River Heights | $883 |
| Riverdale | $897 |
| Riverside | $949 |
| Riverton | $881 |
| Rockville | $868 |
| Roosevelt | $947 |
| Roy | $895 |
| Rush Valley | $926 |
| Salem | $922 |
| Salina | $924 |
| Salt Lake City | $893 |
| Sandy | $900 |
| Santa Clara | $847 |
| Santaquin | $910 |
| Saratoga Springs | $859 |
| Scipio | $930 |
| Sevier | $910 |
| Sigurd | $913 |
| Silver Summit | $940 |
| Smithfield | $894 |
| Snowville | $924 |
| Snyderville | $930 |
| South Jordan | $865 |
| South Ogden | $912 |
| South Salt Lake | $884 |
| South Weber | $911 |
| Spanish Fork | $893 |
| Spring City | $922 |
| Springdale | $861 |
| Springville | $914 |
| St. George | $835 |
| Stansbury Park | $913 |
| Sterling | $942 |
| Stockton | $892 |
| Summit | $902 |
| Summit Park | $957 |
| Sunnyside | $943 |
| Sunset | $876 |
| Syracuse | $842 |
| Tabiona | $931 |
| Talmage | $960 |
| Taylorsville | $867 |
| Teasdale | $889 |
| Thompson | $929 |
| Tooele | $916 |
| Toquerville | $898 |
| Torrey | $920 |
| Tremonton | $931 |
| Trenton | $884 |
| Tridell | $942 |
| Tropic | $907 |
| Uintah | $911 |
| Vernal | $930 |
| Vernon | $929 |
| Veyo | $889 |
| Vineyard | $903 |
| Virgin | $896 |
| Wales | $950 |
| Wallsburg | $910 |
| Washington | $846 |
| Washington Terrace | $907 |
| Wellington | $944 |
| Wellsville | $894 |
| Wendover | $950 |
| West Bountiful | $869 |
| West Haven | $878 |
| West Jordan | $862 |
| West Point | $838 |
| West Valley City | $874 |
| White City | $889 |
| Whiterocks | $934 |
| Willard | $938 |
| Woodruff | $920 |
| Woods Cross | $865 |
Home and auto insurance bundling in Utah
What's one way you can lower the rate of Utah home insurance? It's by combining your auto insurance and home insurance policies. You can expect to save nearly $157 by bundling these policies if you buy them from the same insurer.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $820 | $663 | $157 | 19.15% |
Home Insurance Discounts in Utah
Using the discounts that your insurer offers is the best way to reduce the cost of home insurance in Utah.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| American Family | ✓ | ✓ | - | ✓ | - | ✓ |
Comparing Common Features Across Top Companies
Are you on the search for the best homeowners insurance in Utah? Then check whether your insurer offers the following features.
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| American Family | ✓ | Optional | Optional | ✓ | No |
Common Causes of Home Insurance Claims in Utah
Hurricanes and tornadoes are more common in other states and do not normally threaten Utah houses. However, the following are a few typical reasons for home insurance claims in Utah.
- Earthquakes: Although there are no significant fault lines in Utah, because of its proximity to fault lines in other western states, earthquakes are still a possibility. Utah has seen 17 earthquakes with a magnitude of 5.5 or higher since 1847.
- Wildfires: In recent years, wildfires have been a major source of worry in Utah. In Utah, there are typically 800-1,000 wildfires annually, many of which are unintentional. Utah had 1,327 wildfires in 2018 alone.
- Winter storms: Utah frequently faces severe winter weather. For instance, the state experienced a massive increase in snowpack in early 2022 due to numerous storms. Unfortunately, snow and ice can cause damage to your house, particularly on rooftops.
Does home insurance cover damage from fires in Utah?
In Utah, home insurance covers fire damage. Therefore, your insurer would pay your property damage expenses, up to the limits of your policy, if a fire destroyed your home. The likelihood of wildfire damage increases with the frequency of wildfires in Utah, where 14% of properties are at risk.
If your home is judged uninhabitable, your homeowners insurance may cover additional living costs depending on your policy's limitations. A home insurance policy will not cover damage caused by arson or a fire in a vacant home.
Does homeowners insurance cover flooding in Utah?
No. Typically, flooding-related damages aren't covered by a homeowners insurance policy. You must therefore purchase additional coverage to protect your house from flooding. However, through the FEMA National Flood Insurance Program (NFIP) or a commercial insurer, you can get coverage for it. The NFIP provides the following coverage; however, commercial flood insurance may provide different coverage.
- Your home's structure - $250,000
- Personal property - $100,000
Factors that Affect Home Insurance Rates in Utah
Are you planning to buy home insurance in Utah? Then consider these factors before buying one.
- Your location: The level of crime in your area will influence the home insurance rate in Utah.
- Replacement cost: Your insurance premiums will vary depending on the cost of labor and building materials in your location.
- Age/condition: In Utah, insurance premiums for newer houses are always lower than those for older ones.
- Claims history: If you file claims regularly, insurers may consider you risky. Be ready to pay higher insurance premiums if you frequently submit claims in Utah.
- Credit history: Most insurers will check your credit score before purchasing a home insurance policy. Be ready to pay higher insurance premiums if your credit score is low.
- Dog breed: Some insurance providers classify certain dog breeds as 'dangerous.' If your dog is classified as 'dangerous' by your insurance company, your homeowners insurance will cost more in Utah.
Tips for Buying Homeowners Insurance
Are you planning to buy the best homeowners insurance in Utah? Then follow these tips.
- Assess your rebuilding costs: Consult an insurance agent or a builder to see how much it may cost to rebuild your house with low-cost materials and local labor.
- Review the advantage of replacement cost over actual cash value: For your home and personal property, you might want to consider replacement cost insurance.
- Consider add-on coverage for your expensive items: Personal property coverage could be necessary if you own expensive possessions like high-end electronics, sporting gear, musical instruments, or even antiquities.
- Evaluate your liability coverage needs: Determine the required liability insurance limit.
- Assess coverage gaps: Some insurance companies have greater coverage limits for landscaping items like trees and bushes.
- Check financial ratings: All home insurers might have insurance ratings from organizations like AM Best and Standard & Poor's. For instance, some organizations won't allow you to apply for a mortgage if your insurer doesn't have a minimum 'A' financial strength rating.
- Check for discounts: Ensure that you're using all the discounts offered by your insurance.
- Compare quotes from various insurance companies: The premiums for homeowners insurance in Utah may differ between insurers. Therefore, you should compare prices from various insurers to receive the finest Utah home insurance.
Most Common Disasters in Utah
Utah's most frequent natural disasters are drought, wildfires, floods, violent storms, and winter storms. Landslides, earthquakes, and power outages are some more but less serious calamities.
According to FEMA, Utah had around 38 major disasters between 1953 and 2019, most of which were floods and wildfires.
How to Get Utah Home Insurance with Way.com
Utah's average home insurance cost is around $840 yearly, which is lower than the national average rate. But, still, are you looking for the cheapest home insurance in Utah? How can you get it?
That's where Way.com becomes your best friend. Use our website or app, compare the quotes from all the insurers, and buy one with the cheapest homeowners insurance quotes in Utah. In addition, our home insurance agents in Utah can help you. They will explain the state's most complex home insurance rules, terms, coverages, and discounts. So, get in touch with our home insurance agents if you want to buy the best home insurance in Utah.
Home Insurance Data Methodology
The home insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
FAQs
How much is home insurance in Utah?
Utah home insurance costs nearly $840 annually.
How much is home insurance in Utah per month?
Homeowners insurance in Utah costs around $70 monthly.
Is homeowners insurance paid monthly or yearly?
You can pay your homeowners insurance monthly, quarterly, semiannually, or yearly if you pay it directly and not through an escrow account. However, if your lender mandates establishing an escrow account, you should pay it yearly.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
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