Melanie is a blogger, author, and speaker specializing in personal finance and debt management. She’s also the author of the blog and book “Dear Debt.”
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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The average cost of home insurance in Utah for $300,000 in dwelling coverage is $1,500 per year, which is much lower than the national average. Your homeowner’s insurance premiums will depend on the coverage level, the type of property you own, the materials your house was made with, and more.
While a standard home insurance policy can help you cover the basics, Utah residents may be vulnerable to earthquakes and floods, and they may want to consider additional coverage.
Comparing quotes, discounts, and coverages is the best way to find the most affordable homeowners insurance that fits your needs. Here’s what you should know about finding coverage in Utah.
Quick Facts
American Family, Mutual of Enumclaw, and Travelers are three of the cheapest home insurance companies in Utah.
Homeowners insurance in Salt Lake City is much lower than the national average of $2,532 for a policy with $300,000 in dwelling coverage.
Standard home insurance policies don’t cover flood damage, so Utah homeowners in high-risk areas should consider adding flood insurance coverage.
Best home insurance companies in Utah
If you’re looking for the best homeowners insurance in Utah, you have many options worth considering. Though many quality insurers offer coverage in the state, the best home insurance company will vary from person to person and depend on what coverage you’re looking for.
It may help to start your search with the insurers in the table below.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Annual Premium
Best For
American Family
8.6
$735
Cheapest rates
Travelers
7.8
$855
Flood insurance
State Farm
8.2
$967
Large insurer
Nationwide
8.4
$1,001
Discounts
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Cheapest rates: American Family
cheapest ratesAmerican Family
Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.6/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
638
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$79/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$106/mo
To lower costs, you can find some of the cheapest rates for homeowners insurance in Utah with American Family. The mid-sized insurer is known for having high customer satisfaction and coverage options. The company also offers several discounts, including discounts for bundling, renovating your home, and having a newer home.
Pros
4.7 stars (out of 5) on Trustpilot
Financial strength rating of A (Excellent) from AM Best
Cons
Below-average J.D. Power customer satisfaction rating
Must work with one of its insurance agents to buy a policy
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.8/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
609
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$75/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$126/mo
Flooding in Utah is the state’s most damaging and frequent natural disaster.[1] It’s also known to cause costly property damage. Travelers offers flood insurance policies through its partner Neptune Flood, where you can get up to $4 million in building coverage. The company also offers standard home insurance policies.
Pros
Green home discount of up to 5%
Many optional coverages available
Cons
Low customer rating on the BBB website
Below-average J.D. Power customer satisfaction rating
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.2/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$137/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$189/mo
State Farm is the largest insurer in the U.S. by market share and has offices in 78 towns in Utah. The company also consistently ranks well for customer satisfaction and affordability. If you’re looking for a large insurer with great local availability and customer service, check out State Farm.
Pros
Offers earthquake insurance
Above-average J.D. Power customer satisfaction rating
Cons
Not as many discounts as some competitors
Poor rating and customer reviews on the BBB website
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4/10
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641
$300,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$118/mo
$500,000 Dwelling
A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.
$161/mo
Nationwide Mutual Insurance Company offers some of the best homeowners insurance in Utah thanks to its many discounts. If you buy a new home in Utah within the past 12 months, you could get a discount from Nationwide. Additionally, you can score discounts for being claims-free, having protective devices, bundling, having a smart home, or living in a gated community.
Pros
Has a highly rated mobile app
Offers earthquake and flood insurance coverage
Cons
Below-average J.D. Power customer satisfaction rating
Above average number of complaints with the National Association of Insurance Commissioners (NAIC)
Cheapest home insurance in Utah
The cheapest home insurance in Utah is available from Foremost, which has an average cost of $63 per month. But the cheapest doesn’t necessarily mean the best, so research options to find the right home insurance policy.
The table below compares other home insurance companies and their average monthly premiums for a $300,000 policy with a $1,000 deductible.
The below rates are estimated rates current as of: Tuesday, August 19 at 12:00 PM PDT.
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
The average cost of homeowners insurance in Utah for $300,000 in coverage is $1,500 per year. Costs can vary greatly and depend on many different factors, including the age of your home, proximity to a fire station, likelihood of natural disasters, ZIP code, crime rates, and type of building.
These factors can influence the level of risk and, therefore, your home insurance rates. Additionally, the level of coverage and any optional coverages you wish to include in your homeowner's policy will affect your rates.
Cost of homeowners insurance by dwelling coverage amount
Your dwelling coverage refers to how much money it would cost to rebuild your home if there’s a covered loss. Note that the amount to rebuild the home in the same location isn’t the same as the home’s real estate value. If you need a higher level of coverage, you’ll have higher premiums for home insurance.
The table below shows how your monthly premium will fluctuate depending on your coverage limit for Utah home insurance policies with a $1,000 deductible.
The below rates are estimated rates current as of: Tuesday, August 19 at 12:00 PM PDT.
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
Utah homeowners insurance will protect you in a variety of situations. But if you need to file a claim, you need to pay the deductible before the coverage kicks in.
One way to save money on your home insurance policy is to choose a higher deductible. When you choose a higher amount, your premiums are lower. This is one of the best money moves to reduce costs, but make sure you can pay the higher deductible if you need to file a claim.
The table below shows how home insurance rates can change in Utah by deductible amount for policies with $300,000 in dwelling coverage.
Deductible Amount
Average Annual Premium
$500
$1,819
$1,000
$1,653
How to get cheap homeowners insurance in Utah
Inflation is affecting nearly every market, including homeowners insurance. That, alongside a rise in natural disasters like fires, floods, and hurricanes, increases expenses. If you’re looking to save money on homeowners insurance in Utah, here are some things you can do:
Bundle insurance policies. If you get more than one insurance policy with an insurance company, you can save and get a bundling discount. Consider it a bonus for getting two or more policies with the same company. People often bundle their homeowners insurance with auto or life insurance to reduce costs. You can also streamline insurers and keep your policies under one roof.
Increase your deductible. One way to get a lower rate is to increase your deductible.This means you’re willing to take on more financial responsibility if you need to make a claim for a covered loss. If you can easily handle a higher deductible amount, you can lower your home insurance premiums.
Research discounts. Every home insurance company will have different discount offerings. Check out multiple companies andcompare discounts. For example, Liberty Mutual offers discounts for having a new roof and setting up automatic payments from your bank account. State Farm offers discounts for certain home security measures, like having a fire alarm, smoke detector, or home monitoring system.
Compare quotes. It’s a good idea to compare three or more home insurance companies and get quotes. You can compare costs and see which ones offer the most competitive rates. To find the best homeowners insurance in Utah, look at a number of factors, including cost customer reviews, discounts, and perks.
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4.8/5
How much homeowners insurance do you need in Utah?
While Utah doesn’t require home insurance by law, if you take out a mortgage to finance a home, your lender will require you to get a homeowners insurance policy. Since your lender is providing financing up front to purchase a home, it wants to protect the property until you’ve fully paid your loan.
Even if you’re mortgage-free, homeowners insurance can safeguard against unexpected events. How much homeowners insurance you need in Utah depends on your home, its building materials, age, and location. A good benchmark is the 80/20 rule, which recommends getting home insurance coverage equal to 80% of the total replacement cost.
Many homeowners choose an HO-3, a standard home insurance policy. An HO-3 policy covers the physical structure of your property (including a garage), personal property or personal belongings, and liability in the event someone gets injured in your home. It also covers common perils like fire, theft, and hail.
Keep in Mind
When buying home insurance, the goal is to have adequate coverage so you’re not vulnerable and at risk if unfortunate events occur. It’s key to review and understand what your home insurance policy covers and what it doesn’t.
What are some of the biggest risks when owning a home in Utah?
In Utah, severe weather and other events can pose a risk to your home. These are the three most common events or perils to be aware of when owning a home in Utah:
Floods
More than 40% of flooding in Utah in the past several years occurred outside of the Special Flood Hazard area, according to the Utah Department of Public Safety.[2] And flooding in Utah has a percent frequency of 4.0%, according to the National Centers for Environmental Information.[3] Though a standard home insurance policy covers a range of perils, flooding isn’t one of them. To protect your home, you can purchase flood insurance from the National Flood Insurance Program or private insurance companies.
Wildfires
Utah is at risk for wildfires, and the state can have 800–1,000 wildfires each year, based on data from Utah Hazard Mitigation.[4] Standard home insurance covers fires that may happen in the home or wildfires that occur in nature. So, if your property burns down, your insurance company will cover the costs to rebuild or repair it.
Earthquakes
Utah is prone to earthquakes, with an average of 13 earthquakes with a magnitude of 3.0 or more occurring annually.[5] Like flooding, standard homeowners insurance doesn’t cover earthquake damage. You can purchase an endorsement or a separate policy covering damages to your property and belongings if there’s an earthquake.
Utah homeowners insurance FAQs
Finding the right homeowners insurance policy can be intimidating. Check out this additional information below if you still have questions.
How much is home insurance in Utah?
On average, home insurance in Utah costs $1,653 annually for a $300,000 policy with a $1,000 deductible, according to Insurify data. Utah is prone to flooding and earthquakes, which standard home insurance policies don’t cover. Although it’ll make your policy more expensive, it may be worth adding additional coverages so that your home is fully protected.
Which company has the cheapest homeowners insurance in Utah?
Foremost has the cheapest homeowners insurance in Utah, at an average annual rate of only $735. Other affordable options include Mutual Of Enumclaw and Travelers.
Does Utah require homeowners insurance?
No. Utah doesn’t require homeowners insurance by law, but your mortgage lender likely will. Even if you’ve paid off your mortgage, it’s still important to protect your home and property. In the event of a natural disaster, fire, or burglary, home insurance can help cover the cost of repairs or replacement that you otherwise may not be able to afford out of pocket.
What is the most common type of homeowner insurance?
The most common type of homeowner insurance is an HO-3, or special form, policy. An HO-3 policy covers dwellings and other structures against common perils such as fire, wind, and hail. It also covers your personal belongings, your liability if someone is injured on your property, and your living expenses if you have to move out of your home temporarily while repairs are being made.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
Dwelling coverage: $300,000
Deductible: $1,000
Personal property limit: $25,000
Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Melanie Lockert is the founder of the blog and author of the book, "Dear Debt." Through her blog, she chronicled her journey out of $81,000 in student loan debt. Her work has appeared on Allure, Business Insider, Credit Karma, Fortune, and more. She is also the co-founder of the Lola Retreat and host of the Mental Health and Wealth show podcast. She lives in Los Angeles and enjoys jazz music, traveling, coffee, and spending time with her two cats and partner.
Melanie has been a contributor at Insurify since November 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
University of Chicago graduate with statistics degree
Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.
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American Family
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