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Best Homeowners Insurance Agencies in Ogden, UT

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Ogden 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.



5Top Picks

Learn about our selection process.


featured provider = Featured Provider

606 Washington Boulevard, Ogden, UT 84404 Rating

Review Sources

3.8 (25)
5.0 (2)
3.0 (2)

Why choose this provider?

Heiner’s Insurance Center is an independent insurance agency offering insurance services through its offices in Ogden and Brigham City. Its homeowners' insurance policy ensures the protection of the home and belongings of its clients from unexpected calamities. Its insurance agents work with the clients to customize the policy for their needs and priorities. The homeowners' insurance policy of Heiner’s Insurance Center can cover homes of different sizes, ages, values, and locations.

  • Multiple Policy Types

1336 Washington Boulevard, Ogden, UT 84404 Rating

Review Sources

4.2 (26)
1.0 (1)

Why choose this provider?

Schroader Blackley Insurance is an independent agency providing insurance solutions to Ogden and the surrounding areas. The company's professionals provide homeowners' insurance policy that covers personal property, living expenses, medical costs, liability, and property coverage. In addition to basic home insurance, clients may include automobile, flood, personal umbrella, jewelry, or earthquake insurance. Its group of insurance agents also handles other insurance options related to workers' compensation, individual life and health, and commercial property.

  • Earthquake
  • Condos
  • Renter's Insurance

3619 Brinker Avenue, Ogden, UT 84403 Rating

Review Sources

4.9 (36)
5.0 (2)
5.0 (1)

Why choose this provider?

Craig Speechly, State Farm Insurance Agent, is managed by an agent with over 40 years of experience. He and his team advise clients on policies for homeowners insurance and sell coverage for said needs through the State Farm carrier. This office also processes claims when its clients' homes take damage and they need to recover agreed upon compensation. Craig Speechly, State Farm Insurance Agent, can insure any personal property that clients need to as well.

  • Renter's Insurance
  • Multiple Policy Types

5075 1500 West, Riverdale, UT 84405 Rating

Why choose this provider?

Keyes Insurance Services sells homeowners insurance policies to clients throughout the Ogden metro area. It provides coverage options for dwellings and personal articles and explains to clients all of the terms involved with coverage through these policies. Its agents also help clients to deal with any issues related to being able to make claims and they assist clients when they want to modify their policies and change coverage. This agency has particular experience with employee benefits.

  • Multiple Policy Types

3919 Riverdale Road, Ogden, UT 84405 Rating

Review Sources

4.6 (94)

Why choose this provider?

Stanger Insurance is a homeowners' insurance agency servicing the Ogden metro. Its home insurance plans come in different types, including homeowners' liability, condo, mobile home, and renters' insurance products. Its homeowners' liability policies offer financial compensation for losses or damages due to dangerous conditions, such as floor hazards, poor lighting, or snow-related falls. Policyholders also receive financial protection from property damage claims, non-resident injury claims, liability lawsuit expenses, and medical bills arising from third-party injuries.

  • Flood

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Heiner’s Insurance Center
606 Washington Boulevard, Ogden, UT 84404
Schroader Blackley Insurance
1336 Washington Boulevard, Ogden, UT 84404
Craig Speechly - State Farm Insurance Agent
3619 Brinker Avenue, Ogden, UT 84403
5075 1500 West, Riverdale, UT 84405
Stanger Insurance
3919 Riverdale Road, Ogden, UT 84405


  • 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.
  • Are you required to add the City of Ogden as a lien holder on your homeowners' insurance policy if you have a loan under the Own in Ogden Program?

    Yes, the City of Ogden must be named as a loss payee on your homeowner's insurance policy. Ogden City Corporation ISOA/ATIMA Community Development Division 2549 Washington Blvd, Suite 120 Ogden, UT 84401 is the mortgagee clause to be used. If you have any questions about the Own in Ogden Program, please call the Community Development Division at 801-629-8940 or email

  • Are damage to trees and landscaping in Ogden covered by homeowner's insurance?

    Yes, standard homeowners' insurance in Ogden covers damage to trees and landscaping up to a certain limit. The coverage is typically 5% of the structure's insured amount and can apply to risks such as fire, explosion, lightning, and vandalism. The limit is set for each plant type, such as shrubs and trees.

  • If you install a pool at home in Ogden, will the premiums on homeowners' insurance increase?

    Most homeowner's insurance premiums in Ogden will rise when a swimming pool is added to the property. This is because insurers see this as an additional risk and liability on the part of the homeowner. Additionally, premiums will rise even more if the pool lacks a safety fence or a diving board. The Insurance Information Institute recommends that homeowners with pools obtain liability insurance ranging from $300,000 to $500,000 for adequate protection.

  • Should you get a replacement cost or actual cash value on a homeowners' insurance in Ogden?

    It is determined by your financial situation. While the actual cash value option may be less expensive, it may not provide adequate coverage if your personal belongings are damaged or stolen. A replacement cost option on your Ogden homeowners' insurance, on the other hand, can provide you with a higher payout amount when you file a claim for a covered loss.

  • Can the additional living expenses coverage include transportation costs for a home insurance policyholder in Ogden?

    Yes, gas and mileage costs are covered by a home insurance policy's additional living expenses. This applies if the policyholder in Ogden must drive a longer distance from their temporary residence to school, work, or other important locations. Policyholders must inquire with their insurers about the items covered or reimbursable under their policies.

  • 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.

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