Utah Homeowners Insurance
Utah homeowners insurance rates are among the lowest in the nation, averaging at only $36 per month. With rates this low, we recommend that residents purchase additional earthquake insurance coverage. Utah is in the top ten states for earthquakes, and standard Utah home insurance will not cover earthquake damage. Enter your ZIP code below to compare Utah homeowners insurance quotes for free.
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UPDATED: Dec 9, 2020
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The average cost of homeowners insurance in Utah is $432, and includes the four basic types of coverage, dwelling, other structures, personal property and loss-of-use. Your premiums may be higher or lower than this amount, depending on the cost of the home, your credit score, and other factors. By understanding what your insurance covers and what you need, you can tailor your policy to get the best coverage without spending more than necessary.
The dwelling portion of your policy covers the actual home you live in and any structures that are permanently attached to the home. For example, an extra bedroom that was built onto the home by cutting a door in one wall would be part of the structure, but a guest cottage or apartment that stands apart from the home would not.
- Other Structures
Other structures are any buildings or man-made constructions on the insured property which are not permanently attached to the actual home. This could include a workshop, a greenhouse, dock and boat house, or anything else, even decorative structures such as an ornate gate house.
- Personal Property
Everything on the insured property which is not listed as the dwelling or other structures is your personal property. Not only does this section of the policy cover your wardrobe and jewelry, it also includes the rugs on the floors, lawn equipment, tools, and such things as your children’s bicycles. The best way to itemize your personal property is through the use of a video home inventory which is made by going from structure to structure and room to room noting every object in the room, and its cost.
- Loss of Use
If you are not able to use all or part of the dwelling or other structures due to an event covered by your policy, you can be reimbursed for out of pocket costs used to maintain your standard of living. This could be renting a motel room, eating meals in a restaurant, or even doing your laundry at the local coin laundry. Be sure to save and itemize your receipts to make settling the loss of use claim as quick as possible.
Average Utah Homeowner Insurance Rates vs. US
Cheaper Utah Home Insurance
Cheaper home insurance in Utah does not mean settling for less, it means looking at ways to make your home safer and reducing the risks associated with insuring the home and yourself. Take a look at a few simple tips to get cheaper home insurance, both right away and over the course of years, and you’ll see that cheaper insurance means better coverage, not getting less than what you need.
- Home Security
In Utah, the home burglary rate of 5.43 per 1000 homes plays a part in setting the premiums you have to pay. Reduce those risks by having a professional alarm system installed, or put burglar bars in your windows and entry doors. Similarly, installing deadbolt locks will make the home safer and earn you savings on your premiums.
- Reduce Insurance Risks
Reducing risks also means keeping the property free of debris that could cause damage or injuries. In fact, if your home is damaged by debris of that type and the insurance company can show that it should have been removed, you may be denied the claim on the grounds that you have failed to perform necessary home maintenance.
- Credit Score and Insurance Risk
Watch your credit score closely to avoid errors or identity theft. If your credit score is 650 or higher, you will be eligible for insurance policy discounts, not just on your home policy but across many of the insurance policies you may have.
Home Characteristics Affecting Utah Insurance Rates
Factors that may affect your homeowner’s premiums include such things as the age of the home, the materials it is built from and the likelihood of natural disasters. Older homes are going to have higher premiums because of the increased risk of things breaking, such as the hot water heater. Similarly, the electrical codes change periodically and newer homes have more safety precautions than older ones.
Local Natural Disasters Utah Homeowners Should Consider Protecting Against
Natural disasters are especially important to insurance companies because they pose the risk of completely destroying the home or causing large amounts of damage. For that reason, you can expect your insurance rates to increase as the number of possible perils goes up. Understanding the dangers faced by your home is a good way to get a better idea of how your insurance premiums are working for you, and to give you insight into additional coverages you may need to have.
Ranked at 9 out of 51, Utah is subject to be hit by an earthquake, although such disasters are rare in the state. To be safe, it would be a good idea to have earthquake insurance, because it only takes one such disaster to demolish your home and leave you with nothing. Movements of the earth are not covered under standard home insurance policies and usually must be purchased through high risk insurers or state-monitored insurance pools such as the FAIR plan.
There were only 7 claims filed in Utah in 2009, but don’t be misled by the low number. Floods can happen anywhere, and are not covered by standard homeowner’s policies. As with earthquakes, you may have to purchase the coverage separately, but it is worth buying because without it, you could lose your entire home with no way to rebuild afterward.
Hail damage can happen anywhere in the country, and the damage can range from mild to disastrous. In most policies, hail is covered under the wind damage provisions, but check your policy to make sure that hail is not a listed exclusion, and purchase the coverage separately if necessary.
Utah is not prone to hurricanes, but it is subject to extremely severe winter storms that rival the ferocity of a hurricane. It would be a good idea to make sure your policy includes ice and winter storms as a covered peril, or to purchase a rider which includes such damages if it is not.
Utah is not prone to tornadoes, and most policies include them as a form of wind damage in any event. As long as your policy does not specifically exclude tornadoes from coverage, you should not have anything to worry about in this respect.
74,749 wildfires are reported every year, and some of them usually occur in parts of Utah. Most home insurance policies include fire as part of the standard coverage, so unless wildfires are specifically excluded, this peril is not a major concern.
Utah Homeowners Insurance Optional Coverages
A standard homeowner’s policy is not always enough, especially in the areas of personal property and bodily injury liability. Personal property insurance typically only pays up to 50 percent of the home value, and the typical family will have thousands dollars worth of property accrued over the lifetime of every member of the family. Liability insurance pays for injuries to people who were hurt on or by your property, but the limits of your homeowners liability coverage might fall short of preventing someone from taking you to court and suing your net worth. To prevent that, supplement your home insurance with an umbrella liability policy to reinforce all of your liability policies.
Important Contact Information
Utah Department of Insurance
3110 State Office Building
Salt Lake City, UT 84114
Phone: (801) 538-3800
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