Ogden Homeowners Insurance

Our Independent Insurance Agents make finding Ogden, UT homeowners insurance easy.

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.


Ogden, UT residents are living the good life. Whether enjoying the great outdoors, diving into the local music scene or getting involved with the community, citizens can be proud to call Ogden home. If you're one of the lucky 84,316 living in this beautiful bustling area, it's important to take care of your home. The simplest way to do so is to ensure your Ogden homeowners insurance covers all of your bases. Receiving comprehensive, affordable coverage is easy with help from an Independent Insurance Agent. Plan for the unexpected by going over your risks and coverage options so you can feel at ease knowing you're protected.

  • National yearly premium average: $1,034
  • Utah yearly premium average: $580
  • 49th most expensive premium in the U.S.

Living in Utah has its homeowners insurance perks, considering its average yearly premium is so low. But Ogden homeowners insurance rates vary depending on a number of factors, including square footage, location, and age. An Independent Insurance Agent will use your specific details to compare quotes and policies to find the best, most comprehensive option for you. 

Utah Second Home and Vacation Home Insurance

Ogden is a short drive away from the Great Salt Lake, the Timpanogos Cave and the Golden Spike National Historic Site. There's no doubt the city is a hot destination for those looking to escape daily life and enjoy Mother Nature. Those with a second or vacation home should insure it for just as much as their primary residence. Chances are the rates are more expensive since there isn't a resident there at all times, but an Independent Insurance Agent can work some magic to find you an affordable second home or vacation home policy.

Number of Thefts in Utah

A break-in can happen when you least expect it. That's why it's essential to have a comprehensive homeowners policy that covers against losses in the event of a burglary or theft. 

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

A break-in is less likely to happen in Utah than in other places across the country, but you should still take precautions to protect your property and valuables. You can start by turning on your porch light at night, investing in a deadbolt or installing an alarm system. But to ensure you're fully covered, talk to an Independent Insurance Agent about dwelling and personal property protection.


Save on Home Insurance

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

Number of Catastrophes in Utah

The most common natural disasters in Utah include earthquakes, floods, landslides, and wildfires. Are you prepared if one of these catastrophes hits your home?

  • Number of catastrophes in Utah: 106
  • Number of tornadoes in Utah: 3
  • Property damage from the weather in Utah: $7,090,000
  • 1 in 15 insured homes has a claim each year

Your Ogden homeowners insurance is in place to protect you from the damage caused by unwelcome weather. If weather or a fire damages your siding, roof or windows, you receive compensation to renovate or rebuild. It's not a bad backup plan to have, considering 6 percent of insured homeowners file a claim annually. Go over potential scenarios with your Ogden Independent Insurance Agent so you're prepared.

What Are the Risks in Ogden?

The geological makeup of Utah is beautiful and diverse, but its vulnerability to erosion and natural movement causes a number of hazards for homeowners. Earthquakes, landslides, and flooding are the most common risks — all of which are unexpected and create serious devastation. Even tornadoes and wildfires are unpredictable for Utah homeowners. But you can feel at ease with an Ogden home insurance policy that tackles these specific dangers. An Independent Insurance Agent will know exactly how to handle coverage whether you need to list specific information or purchase add-on policies.

Compare Ogden Home Insurance Quotes

Know your most valuable asset is protected by receiving customized Ogden homeowners insurance. Your local Independent Agent knows the risks you face as an Ogden resident and can tailor your policy to include or exclude specific coverages. We want you to find affordable protection whether it's your first house, second home or vacation rental. Because our agents can make rate inquiries and compare quotes, you will receive quality customer service and specifically designed homeowners insurance.

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