Best Utah Homeowners Insurance Quotes
Between the blissful mountains and the gorgeous salt lakes of Utah, there’s so much to do, see and explore. No wonder the population of Utah is increasing over time!
Searching for Utah homeowners insurance?
No matter if you are located in West Valley City, Provo, the suburbs, or a small town in Utah, you’ll want to have your home protected and secured. Know that you are in the right place to begin your journey to safety!
This guide encapsulates all the must-know details and necessary information such as insurance rate, coverage options, and personalized calculation of quotes for every Utah ZIP code.
With us here at Insurance Geek, you’ll be taken care of and introduced to only the best homeowners insurance policies on the market. Our customers secure the cheapest rates and offers, along with premium protection that’s available for their property.
If you’re ready, see below how a Utah homeowner insurance policy can keep you secure and protected. Let’s check all the boxes before choosing an insurance company and selecting the most suitable plan.
Utah Homeowners Insurance: The Basics
Nested in the very heart of the West of the United States, Utah is the state of the largest lake in the Western hemisphere. But the Great Salt Lake isn’t its only gem – Utah is famous for mountainous terrain gilded with high plateaus and deserts that enrich its landscape.
With 70.5% of the housing units and homes owned and inhabited by Utah homeowners, the state proudly floats above the national average, which is at 63.9%. Utah’s population is at 3.16 million, with an exponential increase spanning over the past years.
Insurance companies in Utah offer a diverse range of insurance products.
Compared to the other states, homeowners insurance in Utah is not that high, given that homeowners pay around the national average for Utah home insurance policies.
The quality of products that you will get includes both favorable insurance rates and beneficial quotes, along with an insurance company that suits your needs best.
Stay with us, and we’ll guide you to the best home insurance products available in all states!
How are Premiums Determined in Utah?
The varying factors that affect insurance rates are:
#1 – Your Credit Score
As a homeowner, you need to be aware that your credit score may impact the rates and coverage of your home insurance.
A home insurance company utilizes the information shown on your financial report in order to determine your insurance. A positive credit score can help you secure premiums at a lower rate, but this isn’t the sole factor involved.
To boost your credit score and qualifications for insurance premiums at a lower price, focus on paying out your debts and credit cards as well as covering your bills on time.
The Value of Your Home
The insurance company will determine the value of your home on the basis of the general value of your home, the building costs, materials as well as age, and the current state of your property.
With all of these factors taken into account, the insurance company will calculate the risks and potential vulnerabilities that your property is faced with, along with possible hazards.
Previous Claims
Homeowners insurance rates can exponentially drive up if claims have been filed previously for your property. Home insurance rates can be higher if your home has been signaled at before – meaning that it is at a greater risk.
Bundling Up
Choosing to combine your insurance policies is always a shortcut to discounts!
To secure the best deal, you can combine auto insurance, life insurance, and disability insurance, all of which are covered by homeowners insurance companies that are our attested carriers.
Get the Best Home Insurance Rates in Utah
Utah homeowners insurance can run you a little steeper than it might in some other places. But then again, home insurance rates won’t be as high as in some other states (e.g., Texas).
We can work with you to minimize cost once we understand your particulars and you give us the required information on your situation.
For instance, if you know your homeowners insurance expense is coming up a few months down the road, you may want to boost credit if your score is less-than-desirable as you shop around for home insurance quotes.
We take a variety of elements into consideration, including:
- The age of your home,
- Proximity to a business,
- Fire safety rating in your municipality,
- Location,
- Construction materials of your home, etc.
There isn’t just one factor that goes into what you’ll pay for your premium!
What Kind of Policy do You Need in Utah?
To answer what kind of homeowners insurance in Utah you’ll need, you should get acquainted with a couple of terms:
PERILS happen due to circumstances beyond your control in most cases. These are the factors that pose a risk to your house, and your policy can protect you against them.
When living in Utah, you may be faced with some of these perils:
- Hail,
- Ice,
- Wind storms,
- Damaging thunder and lightning,
- Rough winters,
- Severe weather,
- Theft,
- Vandalism, etc.
Based on the peril coverage options on your policy, there are two main kinds of home insurance policies you can get: an ALL PERIL policy and a NAMED policy.
ALL PERIL Homeowners Insurance Policy
This kind of policy protects you against ALL perils, except the ones that specifically omitted from it. So, it would protect you against all the risks mentioned above. If you need help determining what precisely your policy features, our agents will gladly help you with that!
NAMED Homeowners Insurance Policy
Another type of homeowners policy is a NAMED one. This type differs because it does not protect you from all perils that could pose a risk to your home, but only those that are stated on the plan of your policy.
For obvious reasons, this type is usually obtained if you need to fill the gaps in your existing homeowners policy. Again, our agents can help you with that!
What is the Best Option for Home Insurance in Utah?
The best option for insurance in Utah is an ALL PERIL policy.
We work with insurance companies – Nationwide and Safeco that offer ALL PERIL coverage to ensure that a natural disaster won’t set you back the cost of your home and all your belongings.
Additionally, peril coverage can protect against sewer and drainage backups in your home that can damage your floors, walls, and ceilings beyond repair. See more about home insurance coverage here.
Get Home Insurance Quotes Today
Trying to choose between insurance companies in Utah? We can aid you with providing the most affordable quotes available in all states.
You can use our comparison tool to get a quote today.
What you need to do is provide some basic information about your home. Our comparison service tool is useful because it saves you time – something priceless that, once spent, cannot be retrieved.
Once you enter the data and send it for processing, we will make sure that we link you up only to the best insurance carriers to determine the cost of your insurance.
Our Utah homeowners insurance policies go through Safeco and Nationwide. We’re always working with our trusted partners to get you the best possible premium based on your situation!
Do You Need Homeowners Insurance?
All Utah homeowners should get homeowners insurance. It is a necessity. No matter whether you are a new homeowner or not, you need homeowners insurance.
If you find yourself scratching your head and wondering why, let us explain.
Life is unpredictable. It is always better to be cautious and comfortable knowing that your most valuable assets are protected than to anxiously toss and turn through uncomfortable situations.
Mortgage companies will demand proof of property insurance in the application process. Having homeowner insurance can save you both money and nerves in the future.
Top Cities & Metro Suburbs in Utah for Homeowners
Most of our Utah home insurance shoppers come from the following cities and suburbs:
- Salt Lake City
- West Valley City
- Provo
- Orem
- Ogden
- St. George
- South Jordan
- Kaysville
- Draper
- Highland
- Farmington
- American Fork
- Alpine
- Midway
- Holladay
Tell us your Utah ZIP code so that we can help you find the best homeowners insurance companies!
What Does Home Coverage Include?
Before you lock down on a particular home insurance policy and your home insurance company of choice, it is useful to be acquainted with the home insurance coverage options.
It is always advisable to thoroughly research a standard homeowners policy before deciding upon it. Namely, it may not include a portion of insurance, meaning that you will have to add coverage policies.
Precisely because of their complex structure, we can break them down to the most common parts:
- Coverage A – Dwelling amount
This particular coverage is specifically related to the physical structure of the home you want to be insured.
Dwelling coverage is there to make sure that if anything happens to your property, you are able to file a claim that will cover the replacement cost.
The most common damages caused by hazards are perils such as fire, earthquake, wind, theft, which dwelling coverage encompasses.
The limit is the amount you choose once you decide upon an insurance policy. The factors that should come into the determination of dwelling coverage are the age and materials – the cost of your home, and how much it would take for it to be rebuilt.
- Coverage B – Separate Structures
The structures that aren’t included in the physical structure of your home are called separate structures.
Even though they tend to be overlooked, they also can be damaged. And bear in mind, they aren’t cheap to replace and rebuild.
These include the following:
- Garages
- Fences
- Sheds
- Gazebos
- Swimming pools, etc.
Most commonly, our existing customers always revise their initial policies and decide upon including these structures in their upgraded policies.
- Coverage C – Personal property
Your home insurance policy coverage can often include additional items other than just the property.
Your valuable assets and personal belongings can be protected, too. These include clothing, furniture, appliances, etc.
If your personal property is destroyed or stolen, you will be able to make claims for it if you have personal property coverage.
However, in the event that your precious items are lost, the insurance won’t cover the expenses.
Coverage options may vary, and your home insurance policy can be upgraded to include items such as art, jewelry, heirlooms. Be sure to explain the situation to your Insurance Geek in detail so that everything is ensured to your wishes and standards.
Also, Nationwide, a licensed insurance company that is our carrier, allows you to add equipment breakdown coverage that covers damage by electrical or mechanical failure.
- Coverage D – Loss of Use
You have a situation in your home, and you and your family are unable to utilize your living premises? No worries, loss of use coverage can help you in that situation.
If you are unable to use your living area for a period of time, say, during repairs – this part of your insurance can reimburse you for transportation, living expenses, and a place to stay during that time!
- Coverage E – Personal Liability Coverage
While we all are aware that accidents can happen, insurance companies think two steps ahead: how to secure you in case they involve you.
Personal liability means that, in case you are found liable for damages, you can have the costs of court proceedings covered by your insurance.
- Coverage F – Medical Payments
Should anyone be injured on your property, this section of your insurance can cover the medical bills.
While you shouldn’t always live in fear that something can happen, it’s best to know that you can relax in case it does, because your insurance will cover it.
What Does a Homeowners Insurance Policy not Include?
Flood Insurance
Flood insurance may not be available on your policy (well, in most cases, it isn’t), but you can add an endorsement and secure yourself against sewer and drainage backups.
Auto Insurance
Auto insurance is also not something that will be included in your homeowners policy.
However, if you add auto insurance for your vehicle, you can save up a lot of money!
Homeowners Insurance in Utah: FAQ
Q: How much is homeowners insurance in Utah?
A: The average homeowners insurance cost in Utah is around $800 per year. However, your homeowners insurance rate will depend on many conditions, so it’s best to consult agents who will connect you with the right home insurance companies.
Q: Can you shop around for homeowners insurance?
A: Shopping around for homeowners insurance without experts who act as mediators between an insurance company and you is not advisable. Insurance Geek can help you get the best average cost per year by providing you with quotes from the best homeowners insurance companies. In addition to saving money, Insurance Geek also provides you with all the information you need on the conditions set forth in your policy by the insurance company.
Utah Home Insurance Discounts
We’re always trying to help our customers save money, and one of the best ways you can do that is to bundle home & auto insurance, home & life insurance, or other insurance products through the same carrier.
Although we work through multiple companies and can insure you through more than one for various types of insurance, we can pass more savings along to you if we work together through one carrier.
When you fill out our handy quote form, you’ll only need to fill it out on time.
We don’t hit you with a barrage of emails and calls, and you won’t need to give us any additional info online unless there’s a specific situation or question we have.
The process is simple, and you’ll be talking with a real, live person who can help you succeed based on the individual needs of you and your family.
We’d love to help get you set up with a quote that works for you!
Final Words
You can conclude that many interrelated factors affect the eventual price that you’ll pay for homeowners insurance.
Your property, from its construction type and age to its foundation, financial reports, and fiscal responsibilities – down to your state, ZIP code, and marital status may impact your expenses.
With the rising number of home insurance companies, it may seem near responsible to estimate the price of homeowners insurance.
If this sounds rattling, don’t worry. Insurance Geek has made it possible for you to quickly calculate the quote and make the whole shopping experience hassle-free.