Best Homeowners Insurance in Utah
We analyzed data from more than 150 insurance companies to help you find cheap home insurance rates in Utah.
We analyzed data from more than 150 insurance companies to help you find cheap home insurance rates in Utah.
Homeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. A homeowners insurance policy defends your dwelling and property against a variety of misfortunes, such as fire, theft, vandalism, or wind damage.
Unlike auto insurance, home insurance is not priced based on state-level laws. Even so, large gulfs exist in homeowners insurance rates on a state-by-state basis. Home insurance policy costs in a given state may differ depending on the frequency of — and value of — home insurance claims filed in that state, and also on the value of the dwelling and belongings being insured.
The easiest way to get a cheap home insurance policy in Utah is to shop around and compare rates from as many insurance companies as you can. Get an idea of homeowners insurance costs in Utah by referencing the below tables. Individual rates may vary depending on coverage options.
Rates for home insurance in Utah can vary depending on the insurance company you use. Farmers provides the cheapest home insurance in Utah — only $421 per year. This is less than Utah's mean cost of $784, providing a $363 discount on the typical rates in the state.
Start searching for a home insurance policy by reviewing the cheapest Utah carriers, listed below.
| Insurance Company | Average Annual Rate in Utah |
| Farmers | $421 |
| Liberty | $523 |
| Allstate | $554 |
| MetLife | $671 |
| Travelers | $734 |
Home insurance rates in Utah vary by city. Prices depend on city-specific variables, such as the number of homeowners claims filed nearby, meaning your specific ZIP code impact how much you pay.
The best home insurance rates in Utah are available in Clearfield. An average home insurance policy in Clearfield costs just $735 per year — $49 less than the average homeowners policy in other Utah cities. The below cities have the most affordable homeowners insurance in Utah.
| City | Average Annual Home Insurance Rate |
| Clearfield | $735 |
| Bountiful | $746 |
| Layton | $748 |
| Taylorsville | $755 |
| Orem | $760 |
Your chosen level of homeowners coverage determines the insurance premiums you pay . In Utah, carrying $200,000 dwelling coverage costs an average of $590 per year, while maintaining coverage up to $400,000 costs as much as $992 per year.
| Coverage Level | Average Annual Rate |
| $100,000 Dwelling | $438 |
| $200,000 Dwelling | $590 |
| $250,000 Dwelling | $705 |
| $400,000 Dwelling | $992 |
One of the multiple decisions available when shopping for a homeowners policy is where to set your deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. The deductible chosen can impact how much you pay in insurance premiums.
A good rule of thumb is: the lower your deductible, the higher your premium. As such, if you want your insurance rates to remain low, aim for a higher deductible. Bear in mind: your deductible should not be set at an amount that you would have difficulty paying in the event of a loss.
Below you'll find common deductibles offered by most home insurance companies alongside corresponding insurance rates.
| Deductible Amount | Average Annual Homeowners Insurance Rate |
| $500 | $760 |
| $1,000 | $705 |
| $1,500 | $656 |
| $2,000 | $622 |
| $5,000 | $542 |
If you're trying to save, consider purchasing your homeowners and car insurance policies from the same company. Bundling auto and homeowners insurance in Utah can save you a substantial sum each month on your auto insurance policy. Bundling home and auto policies in Utah leads to average annual savings of $145.
Avg. Annual Rate (No Bundle) | Avg. Annual Rate (w/ Bundle) | Annual Savings ($) | Annual Savings (%) |
| $1,195 | $1,050 | $145 | 14% |
Yes - GEICO provides homeowners insurance in the state of Utah.
According to the Utah Department of Insurance, fewer than 20% of homeowners in the state carry an earthquake endorsement on their homeowners insurance policy. To find the best earthquake insurance in Utah, compare rates and policy details from as many insurance companies as possible.
Home insurance covers fire damage in Utah. If your home were damaged or destroyed by fire, your insurance company would cover your property damage costs — up to your policy limits. The frequency of wildfires in Utah reinforces the importance of maintaining an active home insurance policy: 14% of homes in the state are in danger of sustaining wildfire damage. In fact, 438, 983 of the state's acres fell victim to fires in the state in 2018.* Even though fire damage is typically covered, it's wise to double-check to make sure your insurance company covers wildfire-related damage.
Depending on your home insurance policy situation, your homeowners insurance could pay for additional living expenses if your dwelling is deemed uninhabitable. Damage occurring via arson — or fire-related damage to a vacant home — will not be covered by a homeowners insurance policy.
*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-wildfires)
The Zebra is not an insurance company. We’re an independent, unbiased partner for consumers, on a mission to help you compare insurance options apples-to-apples, so you can make a truly informed decision. We’re proud because:
