Lehi Homeowners Insurance

What Your Lehi, UT Homeowners Insurance Policy Needs

Get the best rates on your Lehi, UT homeowners insurance by working with an independent agent who can compare multiple quotes and find you the right coverage.

With a population of about 60,000 residents, Lehi, UT is the state's sixth oldest and fastest-growing city. It has had a long and lively history from the time it was settled by Mormon pioneers until today. Since its settlement, the city has been known by many names including Sulphur Springs, Snow’s Springs, Dry Creek and Evansville. Today, Lehi City is a great place to live. Residents enjoy the beautiful scenery, numerous restaurants, and shopping options; an abundance of outdoor activities; and a low crime rate. If you are among the proud homeowners in this western city, you will want to be sure to protect your investment with a suitable Lehi home insurance policy.

Comparison shopping can help you be sure that you are getting your home insurance policy at a competitive price. Our Independent Insurance Agents make shopping for affordable coverage easy. These agents can obtain customized Lehi home insurance quotes from a variety of highly rated providers so that you are able to easily compare the offerings and choose the policy that best meets 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.

Those shopping for Lehi home insurance should be happy to learn that homeowners in Utah pay far less for their coverage than most people across the nation. This is largely due to the fact that the risk of damage caused by severe weather events is very low in this state. Although the figures listed above can give you a general idea of what your price for coverage might be, the only way to get your actual rate is to request information from different insurance companies. When you contact them for a quote, insurers use a number of different factors to calculate your Lehi home insurance rates. Costs can be influenced by such considerations as the following:

  • The ZIP code where your property is located
  • The age of your home and the materials used in its construction
  • The value and estimated rebuilding cost of the house you are insuring
  • The type of home you are insuring (i.e., detached single-family structure, townhouse, condominium, mobile home, etc.)
  • The amount of property coverage you need
  • The amount of your deductible
  • Your claims history and, in some cases, your credit score

To get your coverage at the best price, it is recommended that you compare a few Lehi homeowners insurance quotes before making a purchase.

Second Home and Vacation Home Insurance

If you own more than one house, each property needs to be covered by its own home insurance policy. With a second home or a vacation home, your insurance needs are usually a bit different from what they are for your primary residence, particularly if you rent the property to tenants while you are not using it. Homes that are left empty and unattended for long time periods also have increased risks of vandalism and other hazards. Be sure to discuss your coverage needs with your agent, who can help you find affordable policies for all of your homes.

Number of Thefts in Utah

  • National number of burglaries: 37,814
  • Utah number of burglaries: 13,333

Even in a relatively low-crime city like Lehi, the risk of property loss due to theft is one that you should be prepared against. You can reduce your risk of being targeted by burglars by keeping your entryways well-lit and unobstructed, putting lights on timers when you are away from home, and ensuring that all of your doors and windows have effective, working locks. You can also install a burglar alarm system, which is a highly effective theft deterrent. 

Doing so may even earn you a discount on your Lehi homeowners insurance premiums. If you discover that your house has been burglarized, you may find some comfort in knowing that your home insurance compensates you for your losses. Be sure to keep a copy of the police report as well as a detailed list of your lost or damaged belongings, as you will need them both when you file your claim.

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 Lehi homeowners insurance policy provides you with compensation for damage to the structure and contents of your home if either is damaged or destroyed by a covered event, such as an accidental fire, an electrical storm or heavy winds. It is important that your policy includes enough coverage to enable you to rebuild and start over in the event of a total loss. Your agent can help you review your coverage amounts and can recommend special endorsements if they are needed to cover any of your particularly valuable property. It is a good idea to review your coverage limits every five years so that you can adjust them according to changes in your property ownership.

What Are the Risks in Lehi, UT?

Lehi residents actually have very little risk of many of the common problems covered by home insurance, such as storm, wind and hail damage. However, homeowners in this area do have a risk of earthquake and flood damage, and neither of these catastrophic events is covered by Lehi homeowners insurance. Earthquake activity and risk in Lehi is a bit higher than the Utah state average, and it is more than 280 percent greater than the overall national average. This is because of the city’s close proximity to the Wasatch Fault line. While most quakes felt by residents of this city are mild, there is a significant chance that one may eventually be powerful enough to damage or even destroy your home. 

Your agent can help you find and secure a reasonably priced earthquake insurance policy. That way, you will have the coverage you need if such a disaster occurs. Furthermore, this city does experience occasional floods. Overflow events can happen anywhere, but residents who live near Utah Lake and the Jordan River are most at risk. What too many homeowners discover too late, however, is that the expensive damage caused by flooding is not covered by their home insurance policies. Fortunately, your agent can help you supplement your Lehi homeowners insurance with an affordable flood insurance policy through the National Flood Insurance Program (NFIP). Talk to your agent to learn more.

Compare Lehi Home Insurance Quotes

The only way you can be sure that you are buying your Lehi home insurance coverage at a reasonable price is by requesting and reviewing costs and offerings from a variety of insurers before making a purchase. Unfortunately, consumers often find comparison shopping to be too time-consuming and frustrating, so they skip this important step and then end up paying more than they need to for their coverage. 

Savvy homeowners in Lehi, on the other hand, turn to an agent for help. These independent agents are free to work with a number of highly rated and competing insurance companies, and they can quickly provide you with a selection of customized Lehi homeowners insurance quotes that you can review and compare together. 

Find an agent with an office in or near Lehi to get started.

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