Homeowners Insurance in Farmington, UT

Experts share their top picks for home insurance companies near you and more in Farmington, UT.

Christine Lacagnina Written by Christine Lacagnina
Christine Lacagnina
Written by Christine Lacagnina

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

paul martin Reviewed by Paul Martin
paul martin
Reviewed by Paul Martin

Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.

Modern Real Estate Blue and White Color Scheme with landscaping Garage View. Farmington, Utah Homeowners Insurance.

Utah is the second-cheapest state for homeowners insurance rates in the nation. With affordable coverage available from so many carriers near you, there's no reason not to have your own policy. The right homeowners insurance can reimburse you for many disasters, including vandalism, fire damage, and hail.

An independent insurance agent in Farmington can help you find the homeowners insurance policy that best meets your needs, and they'll help you do it before it's time to file a claim. But to start, here's a breakdown of homeowners insurance in Farmington, UT.

What Is Homeowners Insurance?

Homeowners insurance is designed to protect you and your property against losses related to many types of threats, including falling objects, certain natural disasters, fires, and more. Home insurance can cover your home's structure, personal property, and liability. It can also provide funding if you have to live somewhere else during the repair process following a disaster.

What Does Homeowners Insurance Cover in Farmington, UT?

Home insurance is typically broken down into four major coverage categories, as follows:

  • Contents coverage: Covers your personal property like silverware, clothing, etc., from many disasters like theft, fire damage, etc.
  • Liability coverage: Covers you against the costs of a lawsuit filed against you by a third party for claims of bodily injury or property damage.
  • Additional living expenses: Covers you against extra costs if you must stay somewhere else while your home is being repaired following a listed peril like a fire.
  • Dwelling coverage: Covers your home's structure against many threats, including falling objects, vandalism, hail damage, etc.

Together with the help of your Farmington, UT independent insurance agent, you'll build a home insurance policy that best does what you need it to do.

What's Not Covered by Homeowners Insurance in Farmington, UT?

Your home insurance provides critical coverage, certainly, but it's not all-encompassing. There are other threats to you and your property that are excluded, like:

  • Natural flood damage
  • Natural earthquake damage
  • Your malicious or intentional acts against others
  • Damage from war or nuclear fallout
  • Insect damage or pest infestation
  • Routine maintenance and costs

You'll need to add separate flood or earthquake insurance if you want protection for your Farmington home against floods or earthquakes. Your Farmington, UT independent insurance agent can help you find these coverages to add to your home insurance.


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How Much Does Homeowners Insurance Cost in Farmington, UT?

Utah currently ranks as the second-cheapest state in the nation for homeowners insurance rates. Coverage in Utah averages just $692 annually, compared to the national average of $1,211. With such low rates, you can easily find quality coverage near you at a great price, right in Farmington.

The Most Common Home Disasters in Farmington, UT

While having homeowners insurance is essential, there are some disasters that you just can't prepare for. Most commonly, residents in Farmington, UT deal with:

  1. Wildfires and residential fires
  2. Flooding and water damage
  3. Severe storms and lightning damage
  4. Wind damage
  5. Burglary and other property crimes

Though home insurance can't prevent these disasters from happening, it can reimburse you for many on this list, including fire damage, certain types of water damage, lightning damage, damage from severe storms like blizzards, wind damage, burglary, and other property crimes. However, to protect against natural flood damage, you'll need to add flood insurance.

Cheap Homeowners Insurance near Me

Don't skimp when it comes to home insurance. Fortunately for homeowners in Farmington, UT, affordable coverage is readily available, so you really shouldn't have to. 

Still, here are some reasons to never cheap out on homeowners insurance:

  • It could have a higher deductible: In exchange for a lower premium, you might end up with a higher deductible instead, meaning you'd have to pay more of your own money before a claim was covered.
  • It could provide less coverage: In addition to a lower premium, you might also end up with lower coverage limits, meaning you might not receive all the reimbursement you need after a disaster.
  • It could be from a sketchy carrier: Though reliable carriers can certainly offer affordable coverage, sometimes a price that seems way too good to be true can indicate a company that won't deliver on its promises.

To evaluate an insurance carrier's credibility, you can look up customer reviews as well as official ratings from organizations like AM Best and the Better Business Bureau, which can be found online. An independent insurance agent in Farmington, UT also knows which carriers to recommend based on reliability and customer satisfaction.

What Are the Best Homeowners Insurance Companies in Farmington, UT?

Of course, you can save yourself the hard work of searching for carrier reviews online by just checking out our list of some of the top-recommended home insurance companies in Farmington, UT below.

Top Homeowners Insurance Companies in Farmington, UT Star Rating
Central Insurance
5 star rating
5 star rating
5 star rating
5 star rating
4.5/5 star rating

Why Work with an Independent Insurance Agent in Farmington, UT?

There's no such thing as a one-size-fits-all homeowners insurance policy. With a wide variety of products and options at your disposal, you can put together a solid home insurance package that's custom-built for you and your family.

Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best homeowners insurance companies in Utah to find you the right coverage at a great price.

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