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How to find affordable home insurance 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.

 
Table of contents:
  1. Homeowners rates by company
  2. Homeowners rates by city
  3. Rates by coverage amount
  4. Rates by deductible level
  5. Insurance bundling discounts
  6. FAQs
 

 

Home insurance rates in Utah by insurance company

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.

 
HOME INSURANCE RATES IN UTAH: BY CARRIER
Insurance CompanyAverage Annual Rate in Utah
Farmers$421
Liberty$523
Allstate$554
MetLife$671
Travelers$734
 

Utah home insurance prices: by city

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.

 
AFFORDABLE HOME INSURANCE BY CITY IN UTAH
CityAverage Annual Home Insurance Rate
Clearfield$735
Bountiful$746
Layton$748
Taylorsville$755
Orem$760
 

Average homeowners insurance costs in Utah by coverage amount

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.

 
HOMEOWNERS INSURANCE RATES IN UTAH — COMMON COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$100,000 Dwelling$438
$200,000 Dwelling$590
$250,000 Dwelling$705
$400,000 Dwelling$992
 

 

Homeowners insurance deductibles in Utah

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.

 
HOME INSURANCE PREMIUMS BY DEDUCTIBLE IN UTAH
Deductible AmountAverage Annual Homeowners Insurance Rate
$500$760
$1,000$705
$1,500$656
$2,000$622
$5,000$542
 

 

How to bundle home and auto insurance in Utah

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.

 
HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN UTAH

Avg. Annual Rate (No Bundle)

Avg. Annual Rate (w/ Bundle)

Annual Savings ($)

Annual Savings (%)

$1,195$1,050$14514%
 
 

 

Utah home insurance FAQs

 

Does GEICO offer homeowners insurance in Utah?

Yes - GEICO provides homeowners insurance in the state of Utah.

What percentage of Utah homeowners have earthquake insurance?

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.

 

 

Does home insurance cover damage from fires in Utah?

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)

 
Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.