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Best Homeowners Insurance Agencies in West Valley City, UT

Our Recommended Top 4

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  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored West Valley City 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.



4Top Picks

Learn about our selection process.


featured provider = Featured Provider

740 East 9000 South, Sandy, UT 84094 Rating

Review Sources

4.6 (471)
5.0 (1)
1.0 (1)

Why choose this provider?

Four Seasons Insurance Agency Inc. is a family-owned independent agency that serves personal and commercial clients from two offices that cover the West Valley City and West Jordan areas. Its agents have many years of experience scanning the policies of major insurers, such as Progressive, to find the ones that suit their clients' coverage needs and budgets. Additionally, they carefully explain coverage limits to their clients and discuss appropriate add-ons the client might not have considered.

  • Multiple Policy Types

426 East 3300 South, South Salt Lake, UT 84115
Website Rating

Review Sources

4.1 (32)
3.8 (11)

Why choose this provider?

Advance Insurance is a homeowners insurance broker based in West Valley City. The company's agents help customers obtain basic homeowners policies that include general liability, dwelling damages due to fire, windstorms, and vandalism, and additional living expenses. In addition to standard homeowners policies, the agency offers extended replacement coverage plans that help cover costs of rebuilding in the event that a policyholder's home becomes unlivable following severe storm damage or fires.

  • Multiple Policy Types

3540 S 4000 West, Salt Lake City, UT 84120 Rating

Review Sources

3.5 (41)
5.0 (24)
3.5 (4)

Why choose this provider?

Key City Insurance is a family insurance services provider founded in 1981 by Ron Thurman. The independent insurance company caters to the insurance needs of various clients residing in West Valley City and its surrounding areas. Individuals who need to protect their homes from accidents, disasters, and liabilities can apply for a homeowners' insurance policy. The company's insurance agents can assist them with replacing and repairing their properties when damages occur.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

506 South Main Street, Bountiful, UT 84010 Rating

Review Sources

5.0 (2)

Why choose this provider?

Garner Insurance Concepts is a family-owned agency that's been serving personal and business clients in the West Valley City area for more than 28 years. Its agents are independent, meaning that they can scan the home insurance policies of multiple carriers to find a selection for homeowners that offer different levels of coverage and a choice of premiums. Additionally, the agents can explain policies so their clients know what they're getting and discuss optional coverage, such as life insurance.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Four Seasons Insurance Agency, Inc.
740 East 9000 South, Sandy, UT 84094
Advance Insurance
426 East 3300 South, South Salt Lake, UT 84115
Key City Insurance
3540 S 4000 West, Salt Lake City, UT 84120
Garner Insurance Concepts
506 South Main Street, Bountiful, UT 84010


  • 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 is included in the coverage of homeowners insurance in West Valley City?

    Homeowners insurance in West Valley City may vary, but the majority of policies are designed to shield you from losses or damages to your residence, any other structures on your property, and your possessions inside. A homeowners insurance policy also offers some third-party liability and medical expense coverage, in addition to covering the cost of a temporary residence in the event that a covered loss renders your home inhabitable.

  • How can you acquire homeowners insurance in West Valley City?

    When obtaining homeowners insurance in West Valley City, begin by selecting a reliable independent agent who is knowledgeable about personal lines insurance. He or she will help you find the appropriate insurance provider and coverage, guide you through the application process, and provide you with a price estimate from the insurance provider. Once you agree to the quote from the insurer and a policy is generated, coverage starts on a pre-specified date.

  • What would be the expense of replacing your personal belongings in West Valley City?

    Generally, the extent of your homeowners insurance coverage in West Valley City dictates the amount of personal property insurance you should consider. You have the flexibility to adjust the coverage amount based on the worth of your personal possessions. Creating a detailed home inventory and assessing the value of your possessions is the simplest method to determine the necessary coverage level.

  • What does replacement cost mean in West Valley City?

    Replacement cost in West Valley City refers to the expense of reconstructing your home in case of damage or destruction. This cost can often differ considerably from the property's market value due to the value of the land and the housing market's current state. Since the cost of rebuilding the structure is covered by your insurance, it may occasionally be lower or higher than the market value.

  • What are the signs that you should raise your homeowners insurance coverage in West Valley City?

    You should consider raising your homeowners insurance coverage if you own expensive objects like jewelry, artwork, or collectibles. It's important to ensure you have enough insurance coverage in case they are stolen or damaged because replacing them can be expensive. Additionally, if you have recently carried out home renovations or expansions in West Valley City, your property's value has likely risen, making it imperative to adjust your coverage to match this increased worth.

  • 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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