Finding a homeowners insurance policy shouldn't be complicated. Compare rates from Utah by location and carrier below.
Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. A homeowners insurance policy covers your dwelling, attached buildings, and personal property in the event of a number of calamities, including fire, theft, vandalism, or wind damage.
Major differences exist in home insurance costs from state to state. Homeowners rates in states diverge depending on the value and number of home insurance claims made in that particular state, and depend on the value of the belongings and property you're covering.
The best way to acquire cheap homeowners insurance in Utah is to compare rates and consider policies from as many companies as possible. Find out how much home insurance costs in Utah by referencing the below tables. Your rates may vary, depending on your coverage details.
Home insurance prices in Utah can vary depending on the insurer you choose. Farmers offers the cheapest homeowners insurance in Utah — just $421 per year. This compares favorably to Utah's mean rate of $784, providing a $363 discount on average statewide homeowners insurance costs.
Get a head start on looking for affordable homeowners coverage by reviewing the most affordable Utah home insurance carriers, listed below.
| Company | Average 12-Month Rate in Utah |
| Farmers | $420.59 |
| Liberty | $523.18 |
| Allstate | $554.43 |
| MetLife | $671.11 |
| Travelers | $734.06 |
Not all Utah cities have the same home insurance rates. Policy rates rely on on local variables such as the number of claims filed in the immediate area, lending your ZIP code plenty of weight in deciding how much you pay.
The cheapest home insurance in Utah is found in Clearfield. An average homeowners insurance policy in Clearfield costs just $735 each year — $49 less than the average policy in other Utah cities. The below cities have the most affordable homeowners insurance in Utah.
| City | Average Annual Home Insurance Rate |
| Clearfield | $734.79 |
| Bountiful | $745.67 |
| Layton | $747.69 |
| Taylorsville | $755.42 |
| Orem | $760.03 |
To trim a few dollars from your insurance costs, consider holding your home and auto policies with the same insurance company. Bundling auto and homeowners insurance in Utah can save you a substantial sum each month on your auto insurance bill. Purchasing bundled policies in Utah leads to yearly savings of $145.
| Avg. 12-Month Auto Insurance Rate (No Bundle) | Avg. Yearly Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,195.00 | $1,050.00 | $145.00 | 14% |
One of the best ways to save on auto insurance is bundling. Get started today!