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Best Homeowners Insurance Agencies in Utah

Our Recommended Top 11

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Utah Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



11Top Picks

Learn about our selection process.


featured provider = Featured Provider

St. George Rating

Review Sources

4.5 (235)
2.0 (7)

Why choose this provider?

Get Me Insured! provides risk management solutions in Utah. It offers the best personal protection products, which include homeowners' insurance. The independent agency processes customized dwelling, additional living expense, and personal liability policies to protect families and individuals from monetary losses due to unforeseen events like fire, vandalism, and theft. It also covers life, umbrella, renters', motorcycle, and auto insurance. Get Me Insured! works with over 20 carriers, such as Travelers, Safeco, Dairyland, Suncoast General, and Foremost.

Saint George Rating

Review Sources

5.0 (13)
4.5 (11)

Why choose this provider?

Trustco serves the insurance needs of individuals and families in Utah. The best insurance agency in the state provides risk management solutions, helping clients acquire the most affordable homeowners' insurance plans. These protect policyholders from financial losses due to unexpected events like fire, vandalism, and theft. The independent company also offers life, health, auto, toy, and umbrella insurance. It works with multiple carriers, including CNA, Chubb, Safeco, Travelers, and Foremost. Trustco has been in operation for nearly five decades.

Ogden Rating

Why choose this provider?

Craig Speechly is a high-caliber insurance agent working for State Farm. He and his staff provide Utah residents and businesses with the best selection of insurance products, from homeowners' insurance plans with personal articles policies to term, whole, and universal life insurance. With over 100 years of combined service in the industry, its agents use their experience in crafting and personalizing clients' insurance policies according to their coverage needs. Craig also offers financial services, like banking, to locals and people from other places relocating to the state.

Saint George Rating

Why choose this provider?

Desert Crest Insurance caters to Utah residents and businesses, providing the best insurance products from carriers like The Hartford and Progressive. These products include policies that help homeowners financially recover from theft and natural disasters and coverage plans for workers' compensation. Its agents work with clients to customize their choice of insurance product to fit their needs. Principal agent Jorge Wetenkamp has been working in the insurance industry since 2017. He worked for AAA Insurance Company before opening his independent agency.

St. George Rating

Why choose this provider?

North Star Financial & Insurance provides risk management solutions in Utah. It helps individuals and families find the best personal protection plans. The independent company offers customized homeowners' insurance and assists clients in filing claims to secure reimbursements for medical costs and property damage caused by natural disasters and theft. Its agents also process life, health, flood, and renters' insurance. They work with over 20 carriers, including Foremost and Encompass. The agency has been operating for two decades.

St George Rating

Why choose this provider?

Sherry McGhee is an insurance agent who offers the best personal protection plans in Utah. She processes homeowners' insurance plans, which include liability, personal property, and loss of use coverages. This type of insurance covers policyholders' expenses for property damage and physical injuries caused by perils like theft and fire. The specialist also processes life, health, motorcycle, and auto insurance. Additionally, McGhee provides investment and retirement planning assistance. She has been a part of State Farm since 1987.

St. George Rating

Review Sources

4.9 (38)
5.0 (8)
5.0 (2)

Why choose this provider?

Direct Insurance serves as the best agency providing services to residents in Utah. It caters to families and individuals, helping them acquire affordable homeowners' insurance plans. The firm furnishes personal liability and property, dwelling, medical payment, and loss of use coverages. It also writes policies for condominiums, autos, and motorcycles. It represents multiple carriers, including Safeco, Bear River Mutual, United Insurance Group, and Badger Mutual. The company's insurance agent, Dana Muranaka, has been in the industry for more than four decades.

West Jordan Rating

Why choose this provider?

One Stop Insurance offers the best insurance policies in Utah. It processes a variety of personal protection products, helping families and individuals acquire homeowners' insurance. The agency provides customized coverage plans to protect policyholders from financial losses due to unexpected events like fire, theft, and vandalism. It assists clients in securing reimbursement for structural damage and physical injuries. It also furnishes life, health, and auto insurance. In addition, One Stop Insurance serves small- and medium-sized business owners who want to obtain commercial insurance plans.

Washington Rating

Review Sources

5.0 (151)
5.0 (3)

Why choose this provider?

Joe Andrus is a State Farm insurance agent who serves families and individuals in Utah. He offers the best homeowners' insurance plans to protect clients from monetary losses due to perils like fire, hail, vandalism, and theft. He helps policyholders file claims for physical injuries and property damage. The agent also provides other personal protection products, including life, health, renters', auto, and motorcycle insurance. Andrus has been in the insurance services industry for more than 20 years.

West Jordan Rating

Review Sources

4.7 (682)
4.6 (95)
1.0 (5)

Why choose this provider?

Four Seasons Insurance Agency, Inc., offers the best policies in Utah. Its specialists process various personal protection products, which include homeowners' insurance. This type of insurance cover policyholders' investment properties and valuables like fine arts, furs, and pieces of jewelry. The independent company assists clients in securing reimbursements for loss items and property damage due to theft and natural disasters. It also provides life, auto, and motorcycle insurance. CEO Bill Callahan has been in the insurance services industry since 1980.

Sandy Rating

Review Sources

4.8 (21)

Why choose this provider?

The Smith Insurance Group, Inc., caters to individuals and families in Utah. It provides cheap homeowners' insurance plans from various carriers, including Progressive, Travelers, Foremost, and Dairyland. The independent agency writes customized personal property, liability, and replacement cost coverages. Its agents help policyholders secure reimbursements for medical expenses and property damage in case of unforeseen events like natural disasters and theft. They also process life, health, auto, and RV insurance. The company is a member of the Professional Insurance Agents (PIA).

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Get Me Insured!
1122 W Sunset Blvd, St. George, UT 84770
491 North Bluff Suite 101-C, Saint George, UT 84770
Craig Speechly - State Farm Insurance Agent
3619 Brinker Avenue, Ogden, UT 84403
Desert Crest Insurance
4430 South Commerce Drive, Saint George, UT 84790
North Star Financial & Insurance
235 E Tabernacle St, St. George, UT 84770
Sherry McGhee
67 North 300 East, St George, UT 84770
Direct Insurance
40 North 300 East, Suite 102, St. George, UT 84770
One Stop Insurance
8833 South Redwood Road, West Jordan, UT 84088
Joe Andrus
568 W Telegraph Street, Ste 7, Washington, UT 84780
Four Seasons Insurance Agency, Inc.
2273 West 7800 South, West Jordan, UT 84088
The Smith Insurance Group, Inc.
710 New England Drive, Sandy, UT 84094


  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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