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)
Bountiful$732$316,3002.64
Draper$1,131$469.0004.21
Layton$597$235,0002.45
Lehi$797$308,7862.57
Logan$483$179,1813.13
Murray$818$265,2779.45
Ogden$447$143,6006.28
Orem$593$238,7001.75
Park City$1,568$972,5593.9
Price$530$138,18910.56
Provo$627$248,6002.13
Riverton$835$319,1863.04
Roy$468$174,1332.6
Salt Lake City$862$285,1008.97
Sandy$850$312,6004.69
South Jordan$988$385,3002.45
St. George$713$264,8004.28
Taylorsville$606$216,5345.39
West Jordan$709$252,1005.78
West Valley City$589$202,2006.5


  1. $72
  2. Salt Lake City, UT Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Salt Lake City: $72
  4. 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.
  5. 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 against 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. 


  1. $131
  2. Park City, UT Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Park City: $131
  4. 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. 
  5. 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.


  1. $44
  2. Price, UT Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Price: $44
  4. 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.
  5. 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. 


  1. $49
  2. West Valley City, UT Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in West Valley City: $49
  4. 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.
  5. 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. 


  1. $52
  2. Provo, UT Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Provo: $52
  4. 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.
  5. Provo homeowners insurance is designed to meet the specific needs of homeowners in this city. It can cover against a wide variety of risk 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.


  1. $59
  2. West Jordan, UT Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in West Jordan: $59
  4. 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.
  5. 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.


  1. $49
  2. Orem, UT Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Orem: $49
  4. 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.
  5. 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. 


  1. $71
  2. Sandy, UT Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Sandy: $71
  4. 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.
  5. 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. 


  1. $37
  2. Ogden, UT Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in Ogden: $37
  4. 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.
  5. 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.


  1. $59
  2. St. George, UT Monthly average home insurance cost
  3. Average monthly cost of homeowners insurance in St. George: $59
  4. 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.
  5. 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.