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2024

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Best Homeowners Insurance Agencies in Saint George, UT

Our Recommended Top 10

We did the research for you!

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

59Reviewed

39Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1122 W Sunset Blvd, St. George, UT 84770

Expertise.com Rating

Review Sources

Google
4.5 (233)
Yelp
2.0 (7)

Why choose this provider?

Get Me Insured! serves clients residing in Saint George and the neighboring areas. It provides homeowners' insurance products to help individuals protect their families, belongings, and finances from loss and damages due to fire, theft, or natural disasters. These insurance products also cover the medical expenses of clients if a guest or a loved one sustained injuries inside their properties. Get Me Insured! is also available to assist clients in Nevada, Idaho, and Arizona who wish to apply for insurance policies.

  • Homeowners
  • Life Insurance

491 North Bluff Suite 101-C, Saint George, UT 84770
WebsiteLicense: 92499

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Google
4.3 (7)

Why choose this provider?

Since 1973, Trustco has provided insurance services to clients in the Saint George area. Its agents help residents and commercial business owners protect their properties, including homes and automobiles. They also prepare quotations related to life insurance, workers' compensation plans, and umbrella coverage. One of the four pillars that the company believes in is kindness, which they embody through listening well to their clients' needs. Its president, Greg T. Kingdon, has served as a Young Agents Association for Utah Independent Insurance Agents leader.

  • Multiple Carriers
  • Multiple Policy Types

67 North 300 East, St George, UT 84770
WebsiteLicense: 62268

Expertise.com Rating

Review Sources

Google
4.7 (56)
Facebook
5.0 (18)
Yelp
4.4 (7)

Why choose this provider?

Sherry McGhee is a State Farm insurance agent based in Saint George. She offers a number of products, including homeowners' insurance, which covers damages resulting from hail, lightning, vandalism, theft, and fire. She also writes policies for owners of cars and small businesses. The risk management specialist has been providing insurance plans under State Farm for more than 30 years. She is a former president of the National Association of Insurance and Financial Advisors' Utah Chapter.

  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

720 South River Road, Suite D2105, St. George, UT 84790
WebsiteLicense: 517818

Expertise.com Rating

Review Sources

Google
4.6 (14)

Why choose this provider?

Established in 1961, Beehive Insurance is an independent agency providing Saint George residents with an assortment of insurance products. These products range from homeowners' policies covering property damage and personal liability to coverage plans for commercial property and vehicles. The agency also offers retirement planning services, helping individuals increase their retirement cash flow and minimize estate taxes. The Utah Association of Independent Insurance Agents awarded agency president Doug Snow with the Utah Agent of the Year Award in 2011.

  • Renter's Insurance
  • Multiple Policy Types

40 North 300 East, Suite 102, St. George, UT 84770
WebsiteLicense: 34006

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
4.7 (3)

Why choose this provider?

Direct Insurance provides homeowners' insurance policies in Saint George and nearby locations. These insurance plans provide compensation to the policyholders in cases of theft, storms, fires, and other devastating events. The agency also offers insurance options for vacation homes, renters, condominiums, and landlords. Dana Muranaka, an agent in this company, has 44 years of experience in the insurance industry. She worked as a commercial lines rater and later on served as an underwriter for USF&G Insurance.

  • Condos

235 E Tabernacle St, St. George, UT 84770
WebsiteLicense: 102726

Expertise.com Rating

Review Sources

Google
4.8 (189)
Facebook
5.0 (36)
Yelp
5.0 (1)

Why choose this provider?

The Saint George-based firm of NorthStar Financial & Insurance provides clients with different types of protection coverages. One of its products is home insurance, which helps policyholders in securing their properties and belongings. It also provides insurance plans for auto, life, health, and business. The independent insurance agency was established in 2002 by David Patrick. To offer clients a wide selection, the company represents more than 20 insurance carriers. The team brings over 47 years of combined experience into practice.

  • Life Insurance
  • Home and Auto Insurance

348 N Bluff St, Ste 106, St George, UT 84770
WebsiteLicense: 435788

Expertise.com Rating

Review Sources

Google
4.6 (23)
Facebook
5.0 (5)

Why choose this provider?

Greg Alldredge Agency is an independent insurance brokerage in St. George that writes personal and commercial insurance policies for clients in the metro. The agency was founded in 2009 by insurance professional Gregory K. Alldredge, who has been in the industry since 1997. It provides homeowners' insurance plans that protect dwellings as well as the policyholder from damages and liabilities. Greg Alldredge agency also writes policies for protecting special or non-conventional residences, such as historic homes, mobile homes, and condos.

  • Renter's Insurance

2299 Santa Clara Dr #C2, Santa Clara, UT 84765
WebsiteLicense: 244958

Expertise.com Rating

Review Sources

Google
5.0 (40)
Facebook
5.0 (5)

Why choose this provider?

Pettegrew Insurance is an independent agency that provides risk management solutions for individuals in Saint George. Included in its products is home insurance. Being an independent firm allows its team to review policies from its partner providers such as Progressive, Dairyland, Nationwide, and Travelers, which in turn, gives clients more options. The company also writes policies for condominium owners, renters, and clients with multiple homes. In addition to home insurance, it offers motorcycle, car, and boat protection plans.

  • Renter's Insurance
  • Personal Property Insurance
  • Homeowners

568 W Telegraph Street, Ste 7, Washington, UT 84780
WebsiteLicense: 365278

Expertise.com Rating

Review Sources

Google
5.0 (153)

Why choose this provider?

Joe Andrus is an insurance agent serving clients in Saint George and the surrounding communities. He has been helping individuals and families find the insurance coverage that fits their needs since 2011. His products include auto, life, health, business, and pet insurance. Andrus also specializes in homeowners' insurance, helping protect the client's property and personal belongings from damages and theft. He is a member of BNI and participates in various local organizations, including Feeding America and the Utah Food Bank.

  • Homeowners
  • Renters

4430 South Commerce Drive, Saint George, UT 84790

Expertise.com Rating

Review Sources

Google
5.0 (14)

Why choose this provider?

Desert Crest Insurance is a company that offers homeowners' insurance plans to families in Saint George. Its team of professionals helps clients prepare for life's unforeseen events. The company has access to several different insurance companies, such as Travelers, Progressive, Nationwide, Allstate, and The Hartford. They also offer other insurance products, including motorcycle, workers' compensation, umbrella, general liability, and business owners' insurance. Founder Jorge Wetenkamp began his insurance career in 2017 as an agent for AAA Insurance Company.

  • Multiple Carriers
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Get Me Insured!
1122 W Sunset Blvd, St. George, UT 84770
Trustco
491 North Bluff Suite 101-C, Saint George, UT 84770
Sherry McGhee
67 North 300 East, St George, UT 84770
Beehive Insurance
720 South River Road, Suite D2105, St. George, UT 84790
Direct Insurance
40 North 300 East, Suite 102, St. George, UT 84770
North Star Financial & Insurance
235 E Tabernacle St, St. George, UT 84770
Greg Alldredge Agency
348 N Bluff St, Ste 106, St George, UT 84770
Pettegrew Insurance
2299 Santa Clara Dr #C2, Santa Clara, UT 84765
Joe Andrus
568 W Telegraph Street, Ste 7, Washington, UT 84780
Desert Crest Insurance
4430 South Commerce Drive, Saint George, UT 84790

FAQs

  • 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.
  • Will a homeowner's insurance cover sewer backup damage in Saint George?

    Standard homeowner's insurance does not automatically cover damages caused by a sewer backup. Due to aging sewer systems and a lack of proper maintenance, residents frequently encounter these problems. Saint George homeowners must consult with their insurance agents to determine the details of their coverage. Agents can advise on whether additional protection is required to fully safeguard homes and belongings against such events.

  • Will a homeowner's insurance in Saint George cover remediation costs if they have a biohazard situation in their home?

    Many Saint George property owners' homeowners' insurance policies cover biohazard cleanup. Frequently, the insurance company bears the entire cost, with the exception of the deductible. This is the responsibility of the homeowner. Some local biohazard cleaning companies offer assistance with lodging and processing the necessary insurance paperwork to streamline the process.

  • How does the standard all peril deductible affect homeowners in Saint George?

    A standard all peril deductible means that homeowners in Saint George deduct that amount from any covered loss. This deductible reduces the premium on their policy. Homeowners select a deductible based on their financial preparedness for losses. The initial insurance dollars are usually the most expensive. It is advantageous for homeowners to inquire with their insurance provider about the availability of higher deductible options.

  • What should homeowners in Saint George understand about actual cash value versus replacement cost coverage?

    Homeowners in Saint George should be aware that actual cash value coverage reimburses them for the value of their property at the time of the claim, minus depreciation. They would get the current, reduced value for a five-year-old item. In contrast, replacement cost coverage, though initially more expensive, reimburses the purchaser for the total cost of a new item after they purchase it and submit the receipt. It is critical for homeowners to weigh immediate costs against potential claim benefits.

  • What is the difference between a Saint George dwelling fire policy and homeowners' insurance?

    A dwelling fire policy is primarily designed for properties that Saint George residents do not occupy or rent out to tenants, whereas homeowners' insurance covers a primary residence. Although both provide similar structural coverages, the former provides more flexibility in personal property coverage because rental properties may have fewer personal belongings. While homeowners' insurance protects homeowners and their belongings, a dwelling fire policy is more specific to the structure and can be tailored to its limited contents.

  • 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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