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The Best Homeowners Insurance in Utah [2023]

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Find a top-ranked Homeowners Insurance Agency in your area

Utah is world-renowned for its stunning natural beauty from the ski slopes in Park City to the unique Moab desert. Perhaps that explains why it’s one of the fastest growing states in the U.S.

If you’re a new homeowner or planning to buy a home in Utah, you’ll have lots of great providers to choose from. It’s important to compare homeowners insurance rates to find the best coverage that matches your needs.

To simplify your search, we at Expertise.com have analyzed a handful of the best homeowners insurance companies in Utah. We’ll explore everything to know about homeowners insurance in the state and help you find the most comprehensive, cheapest coverage.

Average Cost of Homeowners Insurance in Utah

The average cost of homeowners insurance in Utah is $1,378 per year according to Insurance.com, which is well below the national $2,305 average.

Although the average Beehive State policyholder enjoys lower premiums, homeowners insurance costs in Utah can differ vastly based on a few key factors:

  • The age of your home: Is your Utah home older? If so, it may be more at risk of more structural wear and tear. 

  • The square footage of your home: How big is your home? In general, the larger your home is, the more it costs to insure.

  • The materials used to build your home: Was your Utah home built with long-lasting materials? Or are the materials more susceptible to rotting or structural damage?

  • Building costs in your area: Insurance deals with repairs and replacement costs, so if building costs are higher, coverage will be more expensive.

  • Your location: Are you in a flood zone? What are crime rates like? How close are you to a fire department? 

  • Any additional features: Does your house have a swimming pool or hot tub? Do you have pets, and if so, what are their breeds? Insurers could look at these things as potential risks when assessing prices.

  • Your deductible: Higher deductibles will lower your premium, but filing a claim may cost you more. Talk with your insurance provider about how to reduce your deductibles and get the best plan for your budget.

  • Your claims history: Home insurance companies may charge you more if you have a history of filing claims. On the other hand, you could be eligible for discounts or a claims-free deductible if you have no filing history.

Utah Homeowners Insurance Rates by City

Utah is a large state with cities big and small, so the cost of your homeowners insurance policy may vary significantly depending on where you live.

Below is a breakdown of the average annual rate by city:

City

Average Annual Rate

Ogden

Orem

Provo

Salt Lake City

Sandy

West Jordan

West Valley City

The Best Homeowners Insurance in Utah

After extensive research, we at Expertise.com found the following insurance agencies to provide the best, comprehensive coverage in Utah:

Nationwide logo

Nationwide


Average Annual Rate: ~ $1,002

Notes: Great for add-ons and customizable policies, but lower customer satisfaction

American Family Insurance

American Family


Average Annual Rate: ~ $778

Notes: Very affordable with good add-ons, discounts and customization

State Farm logo

State Farm


Average Annual Rate: ~ $1,222

Notes: Good option for new homeowners. high customer satisfaction, but fewer discounts

USAA logo

USAA


Average Annual Rate: ~ $1,153

Notes: Great customer satisfaction and custom policy options for military and veterans

Travelers logo

Travelers


Average Annual Rate: ~ $955

Notes: Excellent personalized coverage and affordable deductibles, but low customer satisfaction scores

Farmers logo

Farmers


Average Annual Rate: ~ $879

Notes: Wide variety of discount and bundling options, but higher than average customer complaints


Cheapest Homeowners Insurance in Utah

The cheapest homeowners insurance coverage in Utah is American Family for a policy with $300,000 in dwelling and liability coverage, with a $1,000 deductible. 

Home insurance rates vary depending on each person’s situation and claim history, and the cheapest policy may not include the coverage you need. Still, if cost is your top consideration, check out American Family’s coverage options in your area.

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Find Cheap Homeowners Insurance in Your Area

FAQs

Below, we answer common questions to help you make a more informed decision about which homeowners insurance to choose in Utah. 

How to Reduce Homeowners Insurance Costs in Utah

As we’ve noted, your homeowners insurance coverage price can vary substantially across the insurance industry.

Here are some smart ways to cut costs:

  • Increase your deductible. Higher deductibles can lower monthly payments to your insurer but may raise your out-of-pocket costs if you make a claim. Similarly, paying your 6-month or 1-year premium in full will lower monthly costs.

  • Bundle policies. Bundling your home and auto insurance can help you save up to 15-20% on your premiums in Utah. Ask your insurance provider about which home and car insurance bundling options can help you save the most.

  • Take the necessary steps to make your home disaster-resistant. Some examples include:

    • Install a smoke detector and/or fire alarm.

    • Get impact-resistant windows.

    • Upgrade security with a burglar alarm and/or deadbolt locks.

    • Install an indoor sprinkler system.

  • Nix the high-risk accessories. Clear your home of things that are considered “high risk.” For example, when your kids go off to college, that trampoline in the backyard is an unnecessary risk.

  • Seek out other discounts. Insurance savings can come from unexpected places, for example:

    • Do you work from home? Insurance providers may see you as less at risk for theft or more likely to spot a fire or leak sooner.

    • Are you retired or a senior citizen? You may qualify for a discount. 

    • Active military members or veterans are often eligible for a discount.

    • Does your employer offer a group deal?

    • Switching to paperless billing can help you save.

  • Keep good credit. A lender may check your credit history and charge less if you show good financial strength and standing.

As always, consult a local agent to see which discounts you qualify for.

Utah Insurance Options In Your City

At Expertise.com, our goal is to connect Utah residents with the best local experts and agencies so you can find the right home insurance policy for your home and most prized possessions. 

View our list of the 12 best homeowners insurance agencies here

Learn more about the best homeowners insurance options in your respective Utah city below:

Our methodology evaluates each provider based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.