Logan Homeowners Insurance

Find the right insurance for your Logan, UT home by working with an independent agent who can get you the best coverage options.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.


Logan is the county seat of Utah’s Cache County and is home to the main campus of Utah State University. The approximately 50,000 people who live in this vibrant city enjoy beautiful landscapes, numerous cultural and outdoor activities, and a low crime rate. The many neighborhoods that make up Logan, UT are culturally diverse and community-oriented, making Logan a wonderful place to raise a family. If you are among the proud homeowners in this lush and lively city, you will want to be sure to protect your investment with a suitable Logan home insurance policy.

When you take the time to compare rates before making a purchase, you can choose the policy that is offered at the best price. Our independent insurance agents make shopping for affordable coverage easy. These agents can gather customized Logan home insurance quotes from a variety of highly-rated providers. That way, you can be sure that you are purchasing a suitable policy that meets both your coverage and your 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.

The good news for those who are shopping for Logan home insurance is that homeowners in Utah pay a lot less for their coverage than most people across the country. This is primarily because the risk of damage caused by severe weather events is rather low in this state. Although the figures listed above can give you a general idea of what your price for coverage may be, they are just averages. 

The only way to find out how much your home coverage will cost you is to contact a few reputable insurance companies and request a quote. Insurance providers take a number of factors into consideration when they calculate your Logan home insurance rates. Your costs can be influenced by a number of different variables, including the following:

  • The value and estimated rebuilding cost of the property you are insuring
  • The year your house was built and the materials from which it was constructed
  • The ZIP code where your house is located
  • The type of home you are insuring (e.g., detached dwelling, townhome, condo, manufactured home, etc.)
  • The use of the property you are insuring: primary residence, second home or vacation home
  • The amount of property coverage you need
  • The amount of your deductible
  • The bundling options you are choosing, for example, your choice to bundle your coverage with other policies, such as car insurance

To ensure that you are getting your policy at the most affordable price, it is a good idea to compare at least three Logan homeowners insurance quotes before making a selection. Then you can purchase the policy that offers the best value for your money.

Second Home and Vacation Home Insurance

If you own more than one home, your additional properties also need to be covered by insurance policies. When the property you are insuring is a second home or a vacation home, your insurance needs are a bit different from those of your primary residence. Some factors that can increase your rate of coverage for your extra properties include the following:

  • Whether the property is located in an area that has a higher risk of weather-related damage
  • Whether the property is leased out to tenants
  • Whether the property is left empty and unattended for several months out of the year

Be sure to discuss your coverage needs with your agent, who can help you find suitable and affordable policies for your additional homes.


Save on Home Insurance

Our independent agents shop around to find you the best coverage.

Number of Thefts in Utah

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

Burglary rates in the state of Utah are significantly lower than the national average; and in Logan, your risk is lower still. However, this is not to say that burglaries are unheard of. In recent years, for example, there were 138 burglaries reported in this city. That equates to about 2.81 burglaries per 1,000 homes, which is about half the national average.

Burglar alarms make very effect theft deterrents and can even qualify you for a discount on your coverage. However, nothing is foolproof. If your home is broken into, your Logan home insurance company compensates you for your lost and damaged property. Be sure to make a detailed inventory of your losses and keep a copy of the police report, as you will need both when you file your claim. Your agent can provide assistance throughout the claims process if you need help.

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 Logan homeowners insurance policy provides you with compensation for damage to the structure and contents of your house if they are damaged or destroyed by a covered event. Damaging storms and tornadoes do not pose a significant threat in this city, but some disasters such as out-of-control cooking fires could cause a total loss. It is important that you make certain that your policy includes enough coverage to fully protect your finances if you lose everything. You may want to review your coverage limits with your agent every five years or so.

What Are the Risks in Logan, UT?

Logan residents have very little risk of many of the common weather-related problems covered by home insurance policies, and this is reflected in lower home coverage rates. However, homeowners in this city do have a risk of earthquake activity, and earthquake damage is not covered by your Logan home insurance. While earthquake activity in Logan is a bit lower than the Utah state average, it is 266 percent greater than the overall national average. 

This is because of the city’s proximity to the Logan Fault line. While most quakes felt by residents of this city are mild, larger quakes are possible. For example, in 1975, a magnitude 6.2 quake occurred just 38 miles from the Logan City center. If you are interested in securing coverage against this hazard, your agent can help you supplement your Logan homeowners insurance with an earthquake insurance policy.

Compare Logan Home Insurance Quotes to Find the Best Policy

The only way you can be confident that you are purchasing your Logan home insurance coverage at a reasonable rate is by requesting and assessing costs and offerings from a variety of competing insurers. Unfortunately, many people find comparison shopping to be too time-consuming and frustrating so they avoid doing it. 

As a result, they frequently end up paying more than they need to for their policies. That is why savvy homeowners in Logan turn to our agents for help finding the best policy. Because they are independent, these agents are free to work with a number of different insurance companies and can provide you with an assortment of customized Logan homeowners insurance quotes that you can compare together. 

Find an agent with an office in or near Logan to learn more and to discover how much money comparison shopping can save you.

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