Popular Questions about Utah Home Insurance

The national average homeowners insurance premium is $1,211 annually, which is almost double Utah's rate of $692 per year. If you want to know your exact costs for homeowners coverage, you'll need to obtain quotes from a licensed professional. 

Your Utah home insurance policy will include automatic limits for protection against a fire, theft, vandalism, or severe weather. The coverages are as follows:

  • Dwelling value 
  • Other structures
  • Personal property
  • Personal liability
  • Medical payments to others
  • Additional living expenses

Unlike car insurance, Utah does not require homeowners coverage for your property. However, a mortgage or lender will require proof of insurance in order to obtain a loan. With Utah having 306,502,000 homeowners insurance claims paid in one year, the proper policy could save you from a devastating financial loss.

Homeowners insurance rates are calculated using various risk factors for each individual and property. Check out what carriers look at when running quotes:

  • Home replacement cost value
  • Past claims you've reported
  • Past claims reported in the area
  • Common natural disasters in the area
  • Coverages you select
  • Local crime rate

Yes, Utah currently has 98 independent insurance agencies to work with for your coverage needs. They'll compare your homeowners policies through several markets so that you get the best price in town.

In Utah, there are specific carrier options when it comes to your homeowners insurance. Some of the most used in Utah are Progressive, Safeco, Travelers, and State Auto insurance companies. These markets are highly rated for their broad coverage options and competitive rates.

Do You Know What Your Utah Home Insurance Covers?

Find the Best Homeowners Insurance in Your City

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,211 year

CityAnnual insurance costAvg. home valueBurglaries (per 1k residents)
Park City$1,568$972,5593.9
Salt Lake City$862$285,1008.97
South Jordan$988$385,3002.45
St. George$713$264,8004.28
West Jordan$709$252,1005.78
West Valley City$589$202,2006.5