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Best homeowners insurance in Utah for 2024

Bankrate’s analysis reveals that USAA, State Farm and Nationwide are top picks for Utah homeowners insurance.

Updated Feb 21, 2024
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Compare the best homeowners insurance companies in Utah

To help you find the best Utah homeowners insurance, Bankrate's editorial team analyzed rates provided by Quadrant Information Services, as well as data and rankings gathered from trusted third-party sources, such as AM Best and J.D. Power. Each company was assigned a Bankrate Score based on factors such as coverage options, affordability, financial strength and customer service. While the average Utah homeowner pays $955 per year, we determined that USAA, Nationwide, State Farm, American Family and Farmers offer some of the most competitive rates, coupled with standout service.

Insurance company J.D. Power Average monthly premium Average annual premium
881
/1,000
$89
$1,072
Get a quote
812
/1,000
$67
$806
Get a quote
829
/1,000
$66
$795
Read review
813
/1,000
$58
$693
Get a quote
800
/1,000
$111
$1,328
Get a quote
*Premiums are for $250K in dwelling coverage **USAA not officially ranked by J.D. Power due to eligibility restrictions
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

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Bankrate's trusted insurance industry expertise

Read our full methodology

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
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The top 5 home insurance companies in Utah

Best for military-focused coverage

4.1

Rating: 4.1 stars out of 5

Avg. premium for $250K dwelling

$89/mo

Avg. premium for $250K dwelling

$1,072/yr

Customer satisfaction

790/1,000

Best for add-on coverage

4.3

Rating: 4.3 stars out of 5

Avg. premium for $250K dwelling

$67/mo

Avg. premium for $250K dwelling

$806/yr

Customer satisfaction

812/1,000

Best for policy bundling

4.2

Rating: 4.2 stars out of 5

Avg. premium for $250K dwelling

$66/mo

Avg. premium for $250K dwelling

$795/yr

Customer satisfaction

829/1,000

Best for affordable rates

4.2

Rating: 4.2 stars out of 5

Avg. premium for $250K dwelling

$58/mo

Avg. premium for $250K dwelling

$693/yr

Customer satisfaction

813/1,000

Best for discounts

3.6

Rating: 3.6 stars out of 5

Avg. premium for $250K dwelling

$111/mo

Avg. premium for $250K dwelling

$1,328/yr

Customer satisfaction

800/1,000

Additional Utah home insurance companies to consider

Travelers

Travelers

Who this may be best for

Homeowners who wish to customize their insurance policies or bundle insurance products

A standard home insurance policy from Travelers might not offer as extensive coverage as other providers on our list, but you have the option of adding the coverage you want. Travelers provides more in the way of auto insurance policies, but homeowners looking to combine home and auto insurance through a single carrier may find Travelers to be an affordable option.

Auto-Owners

Auto-Owners

Who this may be best for

Homeowners on a budget who want to customize their insurance

Auto-Owners isn’t available nationwide, but it does write insurance policies in Utah. The company is more affordable in the state compared to some other insurers, on average, making it a good option for homeowners who are looking for the cheapest provider. It has a lengthy list of discounts and optional insurance endorsements, too.

Encompass

Encompass

Who this may be best for

Homeowners who prefer to purchase an insurance package

Although Encompass’ average homeowners insurance premium is generally higher on average than some of the providers on our list, the company might be a good fit for homeowners who want a streamlined shopping experience. Homeowners can choose between three tiers of coverage, each with their own unique coverage, discounts and optional add-ons. If you’re interested in combining your homeowners and auto plans, Encompass might be worth considering.

How Bankrate chose the best home insurance companies in Utah

Bankrate’s insurance editorial team, which includes licensed agents, reviews each company carefully to determine which offer the best policies for Utah homeowners. Average pricing information is collected from Quadrant Information Services. This information is collated along with data on coverage options, customer satisfaction, financial strength and more to provide a Bankrate Score that reflects the ability of each company to write robust, cost-effective policies for those who own homes in the Beehive State.

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Finding cheap home insurance in Utah

It might feel like a struggle to find cheap home insurance with the coverage you’re looking for. Remember to compare quotes from multiple providers before you sign off on a policy, and ask about your discount eligibility. These simple tips could help you instantly save on your home insurance premium. Back to top Caret Up

Cheapest home insurance companies in Utah

Shopping for homeowners insurance can be overwhelming, but knowing the cheapest companies for average premiums in Utah can give you a place to start. Keep in mind that exact rates will vary depending on your ZIP code, the coverage options you choose and other factors.

Carrier Monthly premium for $250k coverage Annual premium for $250k coverage Savings vs state avg. for $250k coverage
Mutual of Enumclaw
$42
$505
- $450
$56
$672
- $283
$58
$693
- $262
$62
$743
- $212
$66
$795
- $160
*based on $250K dwelling coverage

How to get cheap Utah home insurance

Although cost is only one of the factors you should consider when looking for home insurance, it's a big one. No one wants to pay more than is necessary for coverage. Having said that, you also want a company that is financially solvent and places a high value on customer service. How do you find the best cheap home insurance in Utah? Here is a good strategy to follow:

  1. Assess your situation. Do you live near a fire station? Is your home brick or something else? When was your roof last replaced? All these elements will factor into the price you pay for insurance.
  2. Research several insurance companies. The best cheap home insurance in Utah for you will most likely be different for another homeowner. To get started, you may want to read carrier reviews to learn about the company’s coverage options that are applicable to your situation. Additionally, check if the company makes it simple to do business online and whether local agents are easily accessible. Only you can determine what is most important to you when picking an insurer.
  3. Gather quotes. Many insurance companies will give you a quote online. Others require you to call an agent. Shopping around is the best way to find out which insurer’s rates will be lowest for you. Be sure you're asking for the same coverage — or as close as you can get — each time so that your comparison is apples to apples.
  4. Consider discounts. Most insurers have discount opportunities for qualifying policyholders. Make sure the quotes you receive take all possible discounts into account.
  5. Review third-party ratings. Agencies such as J.D. Power and AM Best can help you determine how reliable an insurer has been in terms of customer satisfaction and claim payouts.
  6. Make a list of pros and cons. After gathering all your information, choose your insurer based on how well it fares in price, ratings and any other factors that are important to you.

Best home insurance discounts in Utah

Discounts can save you money on your premium, and many of them are easy to qualify for. Here are a few that Utah insurance companies may offer.

If you need insurance for several things, you could receive a discount by bundling more than one policy type. For example, if you have a car, you can bundle your auto and homeowners insurance to save more.
You might save if you have not had a claim in a certain number of years; some insurers specify three or five years.
Some insurers offer a discount if you make your payments on time and in full.
Those who don't smoke may earn a discount from some insurers. Having smoke detectors installed in your home could also earn you a discount.
By upgrading your roof, you may be able to earn a discount from some insurance providers.

How to save on home insurance policy renewals in Utah

After you’ve found an insurance company and purchased a policy, you can potentially save at renewal time. Here are a few things you might be able to do to reduce costs:

  • Maintain your roof. A new roof can do a better job of protecting your home from extreme weather, and it might earn you a discount.
  • Improve your credit. This tip takes time, but making regular payments and paying down debt shows your insurance company that you’re financially responsible. If your credit score goes up, you could earn a lower premium.
  • Limit your claims. Homeowners insurance is there when you need it, but if you file a lot of claims, your insurance company might raise your premium or drop you altogether. Try to file a claim only if you can’t pay for the repairs yourself.
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Understanding home insurance costs in Utah

The cost of insuring a home has risen significantly in recent years. Severe weather and inflation have driven up rates throughout the country, and Utah is no exception. The state experiences snowstorms, lightning, rainstorms, hail and flooding. Fortunately, Utah homeowners still have affordable options when it comes to shopping for home insurance. Back to top Caret Up

How much is home insurance in Utah?

Utah homeowners pay an average of $955 annually for $250,000 in dwelling coverage. This is considerably cheaper than the national average, which is $1,759. It's also cheaper than homeowners insurance in Utah's neighboring states, such as Nevada, where the average is $1,165, and Colorado, which clocks in at an average of $3,212. The reasonable cost in Utah may be partly related to the relatively low cost of living in the state.

Keep in mind that your own rates are likely to differ from the average. Insurers determine premiums by looking at multiple factors that are specific to your circumstances, such as your home's age, location, overall condition and even the age of the roof. The coverage options you choose will also play a role in determining what you pay. It's a good idea to shop around when you are looking for a policy and gather quotes from a range of insurers to be sure you're getting the best price for your policy.

Each insurer uses its own proprietary algorithm to determine premiums, so you can see a range of average premiums for the same amount of dwelling coverage from different insurers. As the coverage increases, the price does as well.

Utah homeowners insurance rates by city

Rates within Utah can vary significantly by city. This is noticeable when you compare rates for densely populated cities like Salt Lake City to smaller rural communities.

  • Kanarraville: $878 per year — 8 percent below state average
  • Clearfield: $884 per year — 7 percent below state average
  • Syracuse: $890 per year — 7 percent below state average
  • Bountiful: $894 per year — 6 percent below state average
  • Layton: $894 per year — 6 percent below state average
  • Vernon: $1,094 per year — 15 percent above state average
  • Eureka: $1,048 per year — 10 percent above state average
  • Park Valley: $1,040 per year — 9 percent above state average
  • Dugway: $1,039 per year — 9 percent above state average
  • Thompson: $1,026 per year — 7 percent above state average

*Rates are for $250,000 in dwelling coverage.

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Insuring your Utah home

The rise in natural hazards and shifting home insurance landscapes are putting pressure on insurance companies. Insurance providers are passing some of their increased costs on to policyholders, which is why premiums are going up. Learning about optional coverage and severe weather events in your state can help you protect your home. Back to top Caret Up

What does home insurance cover in Utah?

As a homeowner, one of the most important investments you can make is purchasing homeowners insurance. This type of insurance covers your property and belongings in case of unexpected events, such as natural disasters, theft and accidents. While it may seem like an extra expense, homeowners insurance can provide peace of mind and financial stability in the event of a disaster.

While standard policies cover six main areas, it's important to note that certain perils, such as flooding and earthquakes, are typically not included and will require additional insurance. To make sure you have the best coverage for your specific needs, it's important to carefully review your policy and consider any necessary endorsements or separate policies. Additionally, regularly maintaining your home and staying informed about your coverage options can help avoid costly surprises in the future.

Additional home insurance coverage types in Utah

In addition to standard coverage types for your buildings and property, most insurers have optional endorsements, or add-ons, that allow you to personalize your policy to meet your own needs. Add-ons are an additional cost, but offer more robust protection and can be worth considering.

Here are some common endorsements:

  • Earthquake insurance: Because standard home insurance policies exclude coverage for earthquakes, Utah homeowners might consider purchasing a separate earthquake insurance policy or endorsement to round out their insurance portfolio. Most major home insurance carriers offer this type of coverage, which protects your financial investment in your home and personal belongings in the event of an earthquake.
  • Flood insurance: If your home is located in a flood zone or near a body of water, having a flood insurance policy can be important. Most HO-3 and HO-5 home insurance policies do not include flood coverage, but flood policies are available from the National Flood Insurance Program (NFIP) and through some private insurers. According to the Insurance Information Institute, 90 percent of U.S. natural disasters involve flooding, which means that most Utah homeowners should at least consider flood insurance.
  • Water backup coverage: Water backup coverage is an endorsement sold by many home insurance companies. It provides coverage if your sewer line gets clogged or a sump pump fails and water backs up into your home. Flood insurance does not cover water backup, and home insurance policies must have this endorsement if they want the coverage.

Related content:

Common Utah home insurance problems

Homeowners in the southern and southeastern parts of Utah have a higher risk of flooding, which can mean more expensive policies. Utah also faces extreme heat and severe snowstorms. Although Utah hasn’t faced the same challenges that coastal states have, homeowners might still experience some of the following issues:

  • Climbing rates: Inflation makes the cost of repairs and replacements more expensive. Insurance companies pass the added costs onto policyholders through higher premiums.
  • Unable to get insurance: If a policyholder has made too many claims in the past or has a poor credit score, insurance companies might charge more or refuse to renew a policy.

New

Recent news in Utah homeowners insurance market

According to the Environmental Protection Agency, Utah's climate is changing. The next several decades should see significant alterations in patterns that will impact those who live in the state. These changes include:

  • Heat waves will become more common.
  • Snow will melt earlier in spring, possibly causing flooding.
  • Wildfires will increase in frequency and intensity.

All these changes could see the possibility of damage to your home or property. If you own a ranch or farm, you could also see decreased productivity.

How does this impact homeowners insurance? As the climate warms, heat-related disasters such as forest fires could have an impact, depending on where you live in the state. It may become increasingly vital for those in more rural or heavily treed areas to practice good fire mitigation techniques to limit the possible dangers and to ensure that their insurance policy will cover them. If the worst does happen, a good insurance policy should help cover your losses following a fire.

Early snowmelt could be the cause of localized or regional flooding. Although most common home insurance policies cover you for fire, the same is not true of flooding; it is excluded from regular HO-3 policies. To protect yourself from flooding, you would need to purchase an endorsement or a separate flood policy, either through the National Flood Insurance Program or your insurer.

Frequently asked questions

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