Paige Cerulli Last Updated On: October 4, 2023

How to Find the Best Home Insurance in Utah

When you buy a home insurance policy, you’re buying protection for your investment in your home, as well as peace of mind. But which home insurance policy is right for you? It can be difficult to tell, especially if you’re buying your first house or don’t shop for home insurance often.

We’ve highlighted the need-to-know information to help you find the best home insurance in Utah that meets your coverage needs while staying within your budget.

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Table of Contents

The Average Cost of Home Insurance in Utah

The average cost of home insurance in Utah is $696 per year for $250,000 of dwelling coverage. That’s less than half the cost of the national average of $1,428 per year for home insurance. Utah’s unusually low cost of home insurance may be partly because of the state’s low cost of living.

While the average cost of home insurance in Utah is low, those costs vary depending on your location within the state. Cities with higher crime rates or an increased risk of natural disasters tend to have higher insurance costs, while locations that have fewer risks have more affordable rates.

Utah CityAverage Cost of Home Insurance Per Year
Syracuse$649
Farmington$655
Cedar City$656
Centerfield$752
Meadows$758


Other, more personalized factors like your home’s value or its proximity to a fire station, also impact your insurance rates. Since rates vary so much depending on your individual home, getting a personalized quote will give you the best idea of what you will pay for home insurance. You can get
free home insurance quotes in Utah from ConsumerCoverage today to get started.

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Coverage Options for Home Insurance in Utah

When shopping for home insurance in Utah, it’s helpful to know what’s included in your quote. Most standard base insurance policies will include multiple types of coverage:
  • Dwelling coverage protects the structural elements of your home, like the roof, walls, and porch.
  • Other structures coverage applies to detached structures on your property, like a barn or shed.
  • Personal property coverage protects your personal belongings in your home, and includes items like furniture or electronics.
  • Personal liability coverage helps to protect you if another person is ever injured while on your property. It’s also effective if another person’s property is damaged while on your property.
  • Medical payments coverage helps to cover medical expenses that another person might face if they are injured while on your property.
  • Loss of use coverage helps to pay for expenses, like a rental property, that you might have if your house is uninhabitable while it’s being repaired.
While these types of coverage are a good starting point, it’s a good idea to purchase additional, optional coverages for more complete protection.
  • Flood insurance: Most standard insurance policies don’t include flood insurance. You may want to purchase a specific flood insurance policy if you live in an area that’s near a body of water and that could flood.
  • Earthquake insurance: Standard insurance usually excludes earthquake coverage, too. You might want to add this coverage to your policy for extra protection in case of an earthquake.

How to Save Home Insurance in Utah

To save money on home insurance in Utah, shop around and look for available discounts, like multi-policy discounts for having a home and car insurance policy through the same insurance company. A high deductible plan can save you money on your premiums, but it’s important that you’re prepared to pay that deductible if you have to file a claim.

Shopping around and comparing quotes can help you to find the right coverage at the best price. To get started, request a free homeowners insurance quote from ConsumerCoverage today.

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