Provo Homeowners Insurance

What Your Provo Homeowners Insurance Policy Needs

Looking for homeowners insurance in Provo, UT? Take a few minutes and read this quick guide to learn everything you need to know.

Forbes ranked Provo, UT among the top 10 places to raise a family and with little wonder. This beautiful western city offers its more than 112,000 residents much in the way of parks, cultural venues, schools, and scenery. If you are a homeowner in this beautiful and vibrant city, you will want to be sure to protect your investment with a suitable Provo home insurance policy. 

Independent insurance agents in our network are available to help you find the best rate for an appropriate policy. These agents can work with a number of competing insurance providers to gather a selection of Provo homeowners insurance quotes for policies that have been customized to meet your specific coverage needs. Find an agent in or near Provo to learn more.

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

Utah residents pay some of the lowest home insurance rates in the country, largely because of the low risk of natural disasters in this state. Of course, it is still possible to pay more than you need to for your coverage. You can refer to the average costs listed above to get an idea of what your rates might be, but your actual Provo homeowners insurance quotes will be based on a number of different factors including but not limited to the following:

  • The value of your home and the materials from which it is built
  • The type of home you are insuring: primary residence, vacation home or second home
  • The ZIP code where your house is located
  • The amount of coverage you are purchasing
  • The amount of your deductible
  • The number of claims on your house, i.e., your claims history, and your credit score

Our agents can help you compare quotes from a variety of reputable insurance companies. That way, you can be sure that you are paying a competitive price for the policy you choose.

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.

Second Home and Vacation Home Insurance

If you own more than one home, you will need to ensure that all of your properties are properly covered. Second homes and vacation homes have many different insurance considerations than primary residences do. While you may need less in the way of contents coverage, there are definite risks involved with leaving property unattended for long periods of time. Alternatively, if you lease out your extra properties when you are not using them, you may need to purchase a landlord insurance policy to have the appropriate coverage. You can discuss your particular situation with your agent, who can make policy recommendations.

Number of Thefts in Utah

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

The burglary rate in Utah is lower than the national average, and crime rates in Provo are relatively low as well. In recent years, residents of this city reported a total of 329 burglaries, which equates to about 2.81 burglaries for every 1,000 households, a very low rate. This low rate will be reflected in better home insurance rates.

Though it is rare, burglaries do happen in this city, so you may want to take preventive steps to protect your property by doing such things as keeping your doors and windows locked and installing motion sensor lighting or a burglar alarm system. Fortunately, if you are the victim of a property crime, your Provo home insurance policy compensates you for your losses. Talk to your agent to find out whether you need special endorsements to cover any particularly valuable property.

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

Compared to the rest of the country, the risk of natural disasters in Provo is rather low. Of course, no place is 100 percent safe from weather-related damage, so it is important to have suitable Provo homeowners insurance in the event that your house is damaged by a storm or other weather event. Some policies may require you to specifically request coverage against major hazards like tornadoes, so it is essential that you review each potential policy carefully with your agent before making a selection. Also, be aware that your Provo home insurance will not provide coverage against earthquakes or floods, so you may want to talk to your agent for information about obtaining supplemental coverage.

What Are the Risks in Provo, UT?

Provo residents have a fairly low risk of most weather-related disasters, such as tornadoes and severe thunderstorms. However, this city does face a moderate risk of earthquakes and floods, neither of which is covered by standard home insurance policies. Provo is located along the Wasatch Fault, which gives residents a risk of earthquake activity. The risk of damage by earthquakes is 280 percent higher than the national average but lower than the Utah state average. By supplementing your Provo home insurance with an earthquake insurance policy, you have coverage if a quake damages your house.

Additionally, residents must be wary of flood damage. Recently, flash floods in the area caused mudslides and road closures and many residents were evacuated. More area flooding occurred later that year. What too many homeowners learn after it’s too late is that home insurance policies do not cover damage caused by floods. Fortunately, your agent can help you secure a flood insurance policy through the National Flood Insurance Program (NFIP).

Compare Provo Home Insurance Quotes

When it comes to purchasing a home insurance policy for your house in Provo, you have several insurance providers to choose from. Comparison shopping enables you to get an appropriate policy at an affordable rate, but many homeowners find it to be too time-consuming to do on their own. You also run the risk of inadvertently purchasing a policy that does not provide all the coverage you need, which can leave you without any coverage at all during a disaster such as a flood.

That is why it is beneficial to work with an independent insurance agent in our network. These agents can recommend appropriate coverage limits, identify and eliminate coverage gaps, and gather quotes from a variety of insurance providers to make it easy for you to find a competitively-priced policy that meets your coverage needs. 

Find an agent with an office near you to learn more about Provo homeowners insurance.

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