Best and Cheapest Homeowners Insurance in Utah for 2025 (Top 10 Low-Cost Companies)
Travelers, Liberty Mutual and Nationwide are the best and cheapest homeowners insurance in Utah with rates starting as low as $53/month. Travelers offering $200k homes with impact resistant roofing discounts, take advantage of Liberty Mutual's home and auto bundles and Nationwide provides discounts for claim free homes.
Utah homeowners face unique challenges including mountain property considerations, wildfire zones and seasonal weather risks that affect their insurance needs.
| Company | Rank | $200k Policy | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 |
#1 | $53 | A++ | Comprehensive Coverage | Travelers |
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#2 | $55 | A | Home Bundling | Liberty Mutual |
 |
#3 | $60 | A+ | Broad Discounts | Nationwide |
 |
#4 | $65 | B | Customer Satisfaction | State Farm |
 |
#5 | $68 | A | Loyal Customers | American Family |
 |
#6 | $70 | A+ | Usage-Based Options | Progressive |
 |
#7 | $72 | A+ | Extensive Options | Allstate |
 |
#8 | $79 | A++ | Competitive Rates | Geico |
 |
#9 | $83 | A++ | Military Focus | USAA |
 |
#10 | $90 | A | Personalized Service | Farmers |
Insurance companies offer various discounts for security systems, weather-resistant materials, and claim-free histories to help reduce premiums. Don’t settle for expensive home insurance premiums. Enter your ZIP code to find robust dwelling coverage at an affordable price.
What You Should Know
- Travelers leads the best insurance companies in Utah with rates from $53/mo
- Liberty Mutual provides Utah's home and auto insurance bundles at $55/mo
- Nationwide starts at $60 monthly for claim-free $200k properties
#1 – Travelers Insurance: Top Overall Pick
Pros
- Best Rate Value: As mentioned in our Travelers insurance review, homeowners across Utah can receive significant discounts for installing impact-resistant roofing materials.
- Security Discount: Comprehensive security systems help Utah homeowners reduce their monthly insurance premiums considerably.
- Storm Response: Professional inspectors guarantee 48-hour responses for storm damage in Utah regions.
Cons
- Extended Processing: Travelers homeowners insurance claims during winter seasons take sixty days to process in Utah zones.
- Premium Increase: Mountain properties in Utah's avalanche-risk zones must pay substantially higher insurance rates.
#2 – Liberty Mutual: Best for Home Bundling
Pros
- Bundle Savings: Residents throughout Utah receive forty percent annual discounts for combining insurance policies.
- Smart System Discount: Our Liberty Mutual insurance review mentioned it's advanced water detection systems significantly lower insurance costs for Utah property owners.
- Security Rate: Installing comprehensive security features reduces insurance premiums for residential properties in Utah.
Cons
- Wildfire Zones: Residential properties near Utah's documented wildfire zones require expensive additional coverage policies.
- Historic District: All properties within Utah's historic districts must maintain specialized restoration insurance coverage.
#3 – Nationwide: Best for Broad Discounts
Pros
- Claim-Free Rates: Property owners with clean records enjoy reduced monthly rates across Utah territories. Learn more in our Nationwide insurance review.
- New Construction: Recently constructed homes in Utah qualify for special discounted insurance premium rates.
- Weather Protection: Weather-resistant materials can significantly reduce insurance costs for properties throughout Utah regions.
Cons
- Inspection Requirements: Mountain homes in Utah must complete two thorough inspections every calendar year.
- Vacation Rentals: Short-term rental properties throughout Utah require comprehensive additional insurance coverage policies.
#4 – State Farm: Best for Customer Satisfaction
Pros
- Local Support: Dedicated State Farm's home insurance agents provide twenty-four-hour service to homeowners across Utah regions.
- Storm Team: Professional response teams address winter storm damage throughout Utah within twenty-four hours.
- Multi-Policy: Our State Farm insurance review mentioned its bundling multiple insurance policies provides substantial savings for Utah property owners annually.
Cons
- Waiting Period: New insurance policies in Utah require thirty days before coverage becomes active.
- Luxury Rates: Premium neighborhoods throughout Utah require substantially higher monthly insurance payment rates.
#5 – American Family: Best for Loyal Customers
Pros
- Claim-Free Benefits: Long-term customers without claims receive significant discounts throughout Utah service areas. Learn more about their benefits in our American Family insurance review.
- First-Time Buyers: New homeowners in Utah qualify for specially discounted first-time insurance buyer rates.
- Multi-Property: Properties within connected service territories across Utah receive beneficial multi-home insurance rates.
Cons
- Vacation Rates: Short-term rental properties in Utah resort areas require premium insurance coverage.
- Rural Limitations: Properties beyond Utah's primary service areas face restricted insurance coverage options.
#6 – Progressive: Best for Usage-Based Options
Pros
- Smart Monitoring: Installing home monitoring systems reduces monthly insurance rates for Utah property owners.
- Flexible Payments: Homeowners throughout Utah can customize their annual insurance payment schedule options.
- Tech Discounts: Smart home technology installations provide substantial insurance savings across Utah territories as mentioned in our Progressive insurance review.
Cons
- Disaster Coverage: Mountain properties in Utah must purchase additional natural disaster insurance coverage.
- Service Areas: Properties outside Utah's cellular service zones cannot qualify for technology-based insurance discounts.
#7 – Allstate: Best for Extensive Options
Pros
- Standard Coverage: It's basic property insurance plans as listed in our Allstate insurance review shows that they protect standard homes throughout Utah's residential neighborhoods.
- Bundle Protection: Combined auto and home policies provide maximum savings for Utah insurance customers.
- Recreational Coverage: Recreational vehicle owners in Utah receive comprehensive protection under specialized insurance plans.
Cons
- Mountain Rates: Properties in Utah's mountainous regions pay higher premiums for specialized coverage options.
- Seasonal Claims: Winter property claims across Utah require extensive documentation and thorough onsite inspections.
#8 – Geico: Best for Competitive Rates
Pros
- Online Comparison: Digital tools help Utah homeowners compare competitive insurance rates across multiple providers.
- Federal Rates: Government employees throughout Utah receive exclusive discounts on property insurance policies.
- Multi-Home Coverage: Multiple property owners in Utah enjoy comprehensive coverage under single insurance plans (Read More: A practical guide for understanding homeowners insurance.
Cons
- Claims Processing: The absence of physical offices extends claim processing times across Utah regions.
- Mountain Coverage: High-elevation properties in Utah require specialized insurance through third-party coverage providers.
#9 – USAA: Best for Military Focus
Pros
- Military Rates: Active service members receive substantial insurance discounts on Utah residential properties. Learn more about their rates in our USAA insurance review.
- Veteran Pricing: Veterans living in Utah qualify for exclusive reduced rates on homeowners insurance.
- Deployment Coverage: Deployed service members maintain comprehensive protection for their Utah residential properties.
Cons
- Membership Limits: Only military members and their families can access USAA's homeowners insurance in Utah.
- Investment Requirements: Military documentation validates additional property coverage requirements throughout Utah territories.
#10 – Farmers: Best for Personalized Service
Pros
- Local Evaluation: Our Farmers insurance review mentioned how the company's professional agents assess neighborhood-specific coverage requirements throughout Utah's residential areas.
- Multi-Home Rates: Owners of multiple properties across Utah receive preferential rates on insurance policies.
- Landmark Coverage: Historic and landmark properties throughout Utah receive specialized protection under comprehensive plans.
Cons
- Mountain Pricing: Properties in Utah's mountain communities face significantly higher insurance premium rates.
- Inspection Rules: Vacation homes across Utah require twice-yearly inspections to maintain active coverage.
Home Insurance Costs in Utah
To find the best home insurance in Utah you need to understand both coverage options, and how much is home insurance in Utah through property values. Farmers starts at $53/month for $200k homes, USAA offers specialized home insurance in Utah for military members at $55/month. See the best Utah home insurance rates from the table below:
| Insurance Company | $200k Policy | $300k Policy | $500k Policy |
|---|---|---|---|
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$83 | $100 | $130 |
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$79 | $90 | $120 |
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$53 | $68 | $95 |
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$60 | $75 | $110 |
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$70 | $85 | $120 |
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$65 | $80 | $115 |
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$68 | $85 | $125 |
|
$90 | $115 | $150 |
|
$72 | $88 | $130 |
|
$55 | $70 | $105 |
The state experiences significant property crime, with over 90,000 incidents reported in 2016, while natural disasters like fires and floods have triggered 33 federal declarations since 1953. These data all affect homeowners insurance rates.
For larger homes at $300k, top homeowners insurance companies like Liberty Mutual offer bundled coverage at $85/month. Most Utah homeowners insurance rates are based on factors like accidents per year in a city, check the table below:
| City | Accidents per Year | Claims per Year |
|---|---|---|
| Bountiful | 15 | 8 |
| Layton | 18 | 10 |
| Logan | 10 | 6 |
| Ogden | 22 | 14 |
| Provo | 20 | 12 |
| Salt Lake City | 30 | 18 |
| Sandy | 25 | 15 |
| St. George | 12 | 7 |
| West Jordan | 28 | 16 |
| West Valley City | 35 | 20 |
Most Utah homeowners insurance rates are based on property size, location and specific risks, with standard policies including $100,000 personal property coverage, $20,000 loss of use and $300,000 liability with a $1,000 insurance deductible.
When comparing home insurance quotes in Utah, remember that average homeowners insurance in Utah varies by region and cheaper policies may seem attractive but may not cover mountain property damage or wildfire exposure common in the state.
Utah Homeowners Insurance Coverage Options
When purchasing homeowners insurance in Utah, it's essential to understand the most common claims that will affect coverage needs.
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Wind and hail damage leads at 33% of claims with an average cost of $12,487, while fire and lightning claims, though less frequent at 26%, result in the highest payouts averaging $76,214 per incident.
| Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|
| Wind and Hail | 33% | $12,487 |
| Water Damage and Freezing | 28% | $11,983 |
| Fire and Lightning | 26% | $76,214 |
| All Other Property Damage | 9% | $6,592 |
| Theft | 4% | $4,872 |
Standard Utah home insurance policies cover dwelling, personal property, and liability. You may need to add additional endorsements if you have mountain property or live in a fire-prone region.
Read More: Does home insurance cover wildfires?
How to Save on Your Homeowners Insurance Rates in Utah
Knowing what discounts are available is key to finding cheap homeowners insurance in Utah. The biggest discounts come from bundling home and auto insurance, with State Farm, Allstate and Progressive offering up to 25% off.
| Insurance Company | Bundling Home & Auto | Smoke/Fire Alarms | Full Payment | Claims-Free | Senior/Homeowner |
|---|---|---|---|---|---|
|
25% | 10% | 5% | 20% | 15% |
|
20% | 10% | 5% | 15% | 10% |
|
20% | 8% | 4% | 18% | 12% |
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15% | 5% | 3% | 10% | 8% |
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25% | 10% | 6% | 20% | 15% |
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20% | 10% | 5% | 18% | 12% |
|
15% | 8% | 3% | 10% | 10% |
 |
25% | 10% | 5% | 20% | 15% |
|
20% | 10% | 5% | 15% | 12% |
|
25% | 10% | 5% | 20% | 15% |
Home security systems get you 20% off with Farmers, USAA and Nationwide, and being claims free gets you 15% off with Geico and Liberty Mutual. Beyond basic discounts, your home’s features can also impact rates based on claims data:
| Discount Name | Claim Type | Portion of Claims | Cost per Claim |
|---|---|---|---|
| Bundling Home & Auto | Water Damage | 30% | $12,000 |
| Security System Discount | Theft | 15% | 5500 |
| Claims-Free Discount | Fire/Smoke | 25% | 18000 |
| New Home Discount | Weather Damage | 20% | 14000 |
| Senior/Homeowner | Liability | 5% | 10000 |
| Paperless Billing | Miscellaneous | 2% | 2500 |
| Full Payment Discount | Weather Damage | 2% | 12000 |
| Smoke/Fire Alarms | Fire/Smoke | 1% | 20000 |
Given these claim patterns, installing weather-resistant roofing, updated plumbing systems, and modern security features can significantly reduce your Utah home insurance premiums.
How to Choose Your Utah Homeowners Insurance
Travelers, Liberty Mutual and Nationwide are the best and cheapest homeowners insurance in Utah, with Travelers at $53/month for impact resistant roofs, Liberty Mutual at $55/month for home and auto bundles and Nationwide at $60/month for claim free homes.
When shopping for the best homeowners insurance in Utah consider regional factors like mountain property risks, wildfire zones and seasonal weather patterns that can impact your rates. For the best homeowners insurance in Utah, Reddit users mentioned:
Comment
byu/SeamelessSeamus from discussion
inSaltLakeCity
What is the best affordable home insurance in Utah? The best place to start when you want affordable home insurance is to enter your ZIP code into our free comparison tool.
Frequently Asked Questions
How much is home insurance in Utah per month?
The average home insurance cost in Utah ranges from $53 to $90 monthly for a $200,000 home, with rates varying based on location, property type, and chosen coverage levels.
Which company offers the Best condo insurance in Utah?
American Family and Nationwide offers rental or vacation rates, which is perfect if you need condo insurance that you are using for rental or vacation.
Do Utah mountain homes cost more to insure?
Yes, Utah homeowners insurance rates for mountain properties typically run 15-25% higher due to increased risks from snow damage, avalanches, ice dam damage, and extended claim processing times during winter.
Read More: How to Prevent Ice Dam Damage and an Insurance Claim
What discounts are available for home and auto insurance bundles in Utah?
The best home and auto insurance companies in Utah offer bundle discounts up to 25%, with Liberty Mutual, State Farm, and Progressive providing the most competitive combined rates.
Don’t settle for expensive home insurance premiums. Enter your ZIP code to find robust coverage for your dwelling at an affordable price.
How does home age affect Utah homeowners insurance rates?
Newer homes in Utah typically receive 12% lower homeowners insurance rates, while homes over 40 years old may face higher premiums unless updated with modern safety features.
What factors impact Utah home insurance quotes the most?
Location, property value, construction materials, and proximity to fire stations significantly influence home insurance quotes in Utah, with wildfire zones facing higher rates.
Read More: 5 Things to Know About Home Insurance
Is flood insurance included in standard Utah homeowners insurance?
No, standard home insurance in Utah doesn't cover flood damage. Separate flood insurance is recommended, especially in areas with historical flooding or near mountain snowmelt zones.
Does credit score affect homeowners insurance in Utah?
Yes, credit scores affect homeowners insurance rates in Utah. Insurance companies view lower credit scores as indicating higher risk, leading to higher premiums.
Read More: How does my credit score affect my insurance premium?
What's the minimum coverage required for Utah home insurance?
While Utah doesn't legally require homeowners insurance, mortgage lenders typically demand coverage equal to 100% of the home's replacement cost for the best homeowners insurance protection.
How often should I review my Utah home insurance policy?
Review your Utah homeowners insurance annually to ensure coverage matches current property values and take advantage of new discounts or better rates from competing insurers.
Protecting your home doesn’t have to be expensive. Enter your ZIP code into our free tool to find affordable homeowners insurance today.