Utah Homeowners Insurance

Finding a homeowners insurance policy shouldn't be complicated. Compare rates from Utah by location and carrier below.

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How to find cheap homeowners 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 protects your house and property against an array of circumstances, including fire, theft, vandalism, or wind damage.

Unlike car insurance, home insurance isn't priced based on state laws. Even so, there are major differences in homeowners insurance rates on a state-by-state basis. Homeowners insurance prices by state diverge depending on the frequency and value of homeowners policy claims statewide, and depend on the value of the belongings and structures covered by the policy.

The best way to get a cheap home insurance policy in Utah is to compare rates and consider policies from multiple companies. Get an idea of typical homeowners insurance rates in Utah by referencing the below data. Individual rates may vary depending on coverage options and the value of the dwelling being insured.


Utah home insurance:
  1. By insurance company
  2. Costs by city
  3. Home-and-auto bundling discounts
  4. FAQs

Home insurance rates in Utah by insurance company

Home insurance prices in Utah differ depending on the insurance company you use. Farmers offers the best deal on homeowners insurance in Utah — just $421 per year. This compares favorably to the state average cost of $784, providing a $363 discount on average statewide home insurance costs.

Start shopping for cheap home insurance by reviewing the cheapest Utah carriers, listed below.


HOME INSURANCE RATES IN UTAH: BY COMPANY
CompanyAverage Yearly Rate in Utah
Farmers$420.59
Liberty$523.18
Allstate$554.43
MetLife$671.11
Travelers$734.06

Utah homeowners insurance costs: by city

Not all Utah cities have the same homeowners insurance rates. Policy rates rely on on locally specific variables such as the number of local claims filed, giving your ZIP code weight in deciding how much you pay.

The most affordable homeowners insurance in Utah is found in Clearfield. A typical homeowners insurance term in Clearfield totals just $735 per year — $49 less than the average Utah rate. The below cities have the most affordable home insurance in Utah.


AFFORDABLE HOME INSURANCE BY CITY IN UTAH
CityAverage Annual Home Insurance Rate
Clearfield$734.79
Bountiful$745.67
Layton$747.69
Taylorsville$755.42
Orem$760.03

Utah insurance bundling discounts: home + auto

If you want to save on insurance, consider carrying your home and auto policies with the same insurance company. A home and auto insurance bundle in Utah can lead to substantial savings on your auto insurance policy. Bundling policies in Utah may earn you yearly savings of $145.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN UTAH
Avg. Annual Auto Insurance Rate (No Bundle)Avg. Annual Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,195.00$1,050.00$145.0014%

You can save money on insurance by bundling your home and auto policies. Find a policy today!



Utah homeowners 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, under 20% of homeowners in the state carry an earthquake endorsement on their homeowners policy.

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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)


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