South Jordan Homeowners Insurance

What Your South Jordan, UT Homeowners Insurance Policy Needs

Get multiple insurance quotes at the best rates by working with a Trusted Choice agent.

South Jordan, UT is a growing city of approximately 60,000 people, located in Utah’s Salt Lake Valley between the Oquirrh and Wasatch Mountains. This scenic city features many fishing ponds, hiking trails and parks, and many of the residents of the largely residential city commute into Salt Lake City, either by car or via the TRAX light rail system, for work. Those who live here enjoy an abundance of housing options, a strong sense of community and a low crime rate, making this a great place to settle down and raise a family. If you are one of the many proud homeowners in this Utah city, you will want to be sure to protect your investment with a suitable South Jordan home insurance policy.

Our Independent Insurance Agents are available to help you find a suitable policy to cover your South Jordan home and property but that comes at an affordable rate. These agents can work with a number of competing insurance providers to gather an assortment of customized South Jordan homeowners insurance quotes that you can assess and compare together. That way, it is easy to select the policy that offers you the best value for your money. Find an agent in or near South Jordan 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 South Jordan residents who are shopping for an affordable home insurance policy is that homeowners in Utah pay some of the lowest rates in the country. The main reason for this is that homeowners in this state have a very low risk of experiencing property damage caused by natural disasters. Your assessed price for South Jordan homeowners insurance is based on a number of different considerations including but not limited to such factors as these:

  • The value of your home, the year it was built and the materials that were used in its construction
  • The type of house you are insuring (e.g., single-family detached dwelling, condominium, townhouse, manufactured home, duplex, etc.)
  • The use of the property you are insuring: primary residence, vacation home or second home
  • The ZIP code where your property is located
  • The amount of coverage you would like to purchase
  • The amount of your deductible
  • Your claims history and credit score
  • Your bundling options, that is, whether you will be bundling your home insurance coverage with other policies, such as life or auto insurance

Our agents can help you obtain and compare customized quotes from a few reputable insurance companies. That way, you can be sure that you are purchasing the best policy to meet your coverage budgetary needs.

Second Home and Vacation Home Insurance

If you own more than one house, you need to be certain that all of your properties have appropriate home coverage. With second homes and vacation homes, insurance companies take many more factors into consideration, and this can have an effect on the rates you pay for these policies. Some things that can make your coverage higher include the following:

  • Whether your additional property is located in a place that has a higher risk of severe weather events
  • Whether your additional property is located in an area that has a high property crime rate
  • Whether your additional property is left empty and unattended for long periods of time throughout the year
  • Whether you allow tenants to live in your extra properties

Your agent can work with you to find the most affordable policies to cover all of your homes. Your agent may even be able to save you money by bundling all of your home policies under the same carrier. Talk to your local agent to learn more.

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 it is lower still in Logan. In recent years, residents of this city reported a total of 151 burglaries, which equates to about 2.41 burglaries for every 1,000 households — about half the national rate. This low crime rate can help to keep your insurance rates low. 

In the event that you are the victim of a property crime, you may gain some comfort in knowing that your South Jordan home insurance policy provides you with compensation for your losses. You need to report the incident with the authorities and provide a copy of the police report to your insurer when you file your claim. If you need assistance throughout the claims process, your agent can serve as a valuable resource.

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

Catastrophic events can lead to the total destruction of your home and everything in it. In Utah, the event most likely to lead to a total loss is that of an accidental house fire. Fires can quickly grow out of control, and even property that is not burned may end up being damaged or destroyed by smoke or firefighters’ attempts to douse the flames. That is why it is important that your Logan homeowners insurance policy includes a sufficient amount of property coverage, both for the structure of your home and the contents stored inside. 

This includes everything from furniture and décor to clothing and appliances. Some categories of belongings have coverage limits, so if you own valuable collections or an excessive amount of jewelry or electronics, you may need to purchase special endorsements in order to fully cover your property. Your agent can help you be sure that you have all the coverage you need.

What Are the Risks in South Jordan, UT?

Residents of Utah have very little risk of damage-causing weather-related events, and this is one of the main reasons that costs for coverage are so low in this state. The biggest damage-causing risk faced by residents of South Jordan is earthquake damage. Indeed, earthquake activity in this city is about 280 percent higher than the national average. South Jordan residents have experienced more than 130 quakes in the last 100 years, the closest of which was a 4.7 magnitude event that was centered less than 30 miles from the city. 

Experts say that there is a 47.99 percent chance that a quake of 5.0 or greater will affect this area within the next 50 years. Unfortunately, earthquake damage is not covered by your Logan homeowners insurance. The only way to get coverage against this type of disaster is to supplement your coverage with a suitable earthquake insurance policy. Your agent can help you find the most affordable policy to meet your coverage needs.

Compare South Jordan Home Insurance Quotes

When you are shopping for an insurance policy for your house in South Jordan, you can choose from among several different insurance providers. Comparison shopping enables you to find an appropriate policy at an affordable rate, but many homeowners find it to be too time-consuming to do on their own. That is why it is advantageous to work with one of the many local agents. Your agent can recommend appropriate coverage limits, answer your insurance-related questions and gather customized quotes from a variety of insurance providers. All of this makes it easy for you to find the policy with the best price. 

Contact an agent with an office near you to learn more about your South Jordan homeowners insurance options.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn