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Utah Home Insurance - What's Happening

If you're looking for Utah homeowners insurance, there's good news. The Beehive State checks in with the third-lowest premiums in the U.S. when considering Utah home insurance policies sold by HomeInsurance.com. So what are you waiting for? Call now or enter your information above to to get a free home insurance quote.

Why does Utah home insurance cost less than coverage in other states? There are many reasons, of course, but lower risks for natural disasters help. The mountainous nature of Utah means it contains a variety of climates. Heavy summer rains do present problems; so do arid conditions in other part of state.

Home insurance, of course, helps protect your largest investment from specified events such as fire, hail, and wind; it also covers your possessions from theft. Homeinsurance.com agents know Utah home insurance and can help you receive discounts for coverage if you've taken measures to lower your risk such as adding deadbolt locks. Call today and get started.

Curious about car insurance? Click here to learn more about auto insurance in Utah.


Utah Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from HomeInsurance.com customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


A

Home Grade

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A

Property Grade

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B

Bonus Grade

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A

Overall Grade

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Home (Grades related to the house itself)

More square footage in a home can mean higher replacement cost. That's not a huge concern in Utah. Homeowners insurance factors in home size. Your state checks in more than 200 square feet less than the national average.

B

Average year built

Homes are on average 35 years old in Utah. That can be a problem for carriers unless the roof has been updated; the same holds true for plumbing and electrical systems.

A+

Average home size

Square footage is a key factor in the determination of replacement cost, so the less, the better. Utah is far below the national average of 1,971.

A+

Average replacement cost

Utah's lower construction costs, combined with below-national-average size, combine for a nice grade.

C

% of homes with sump pump

These flood-prevention devices are rare in Utah, but so too are floods.

Property (Factors related to the property and location)

Here's another good grade for Utah. Home insurance quotes are also influenced by the value of structures on the property. Only five states carried a lower average structure cost than Utah. This refers to fences, detached garages, sheds, and other structures.

Nearly 1 in 5 Utahans store all-terrains vehicles or snowmobiles on property. Nationally, that figure is less than 1%. This is the only property factor in which the state didn't earn an A+.

Bonus (Other factors that influence your home insurance premiums)

A+

% of homes with fire extinguishers

Fire extinguishers can keep small fires from expanding. All Utah homes in our survey had them.

A+

% of homes with dead bolt locks on exterior doors

Again, Utah came through 100%. Deadbolt locks on all exterior doors can mean extra protection for your possessions.

F

% of homes with smoke detectors

This is the one area Utah lags the nation. The state was perfect with fire extinguishers, but only 96% of homes have smoke detectors installed.

C

% of homes with security alarms

Although almost 20% of American homes are armed with these systems, only 8% of Utah homes have them.

Overall Grade - A (scaling the heights)

Newer homes, conservative square footage and modest replacement costs mean fewer coverage concerns for home insurance providers. All three apply to homes in Utah. Home insurance quotes are also subject to the presence of safety features, such as burglar alarms and smoke detectors, too.

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