The Best Home Insurance in Utah for 2024
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The average cost of homeowners insurance in Utah is $1,140 per year, or about $95 per month, according to a NerdWallet analysis. For comparison, the national average is $1,915 per year.
NerdWallet analyzed data from numerous insurance companies to help you find the best home insurance in Utah in the following categories:
Best for affordability: Travelers.
Best for coverage: Openly.
Best for consumer experience: American Family and Nationwide.
The rates in our analysis are estimates based on many factors, so your rate may differ.
Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.
Best affordable homeowners insurance in Utah: Travelers
Travelers
Coverage options
Discounts
NAIC complaints
Travelers
Coverage options
Discounts
NAIC complaints
In Utah, the average annual premium for Travelers is $835, which is well below the state average of $1,140.
Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments and learn about insurance basics.
Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.
Learn more in our Travelers homeowners insurance review.
Best homeowners insurance in Utah for coverage: Openly
Coverage options
Discounts
NAIC complaints
Openly
Coverage options
Discounts
NAIC complaints
Openly offers homeowners insurance with generous coverage. Its policies include guaranteed replacement cost coverage for the structure of your home, which means the company will pay whatever it takes to rebuild your home if it’s destroyed.
Unlike many other insurers, Openly doesn’t have dog breed restrictions that could affect your ability to get liability coverage. It may also be a good bet for homeowners with collections of jewelry or other valuables, with up to $100,000 of blanket coverage available for these items.
Learn more with our Openly home insurance review.
Best homeowners insurance in Utah for consumer experience: American Family and Nationwide
Coverage options
Discounts
NAIC complaints
American Family
Coverage options
Discounts
NAIC complaints
American Family receives fewer consumer complaints than expected for a company of its size. Its user-friendly website offers features such as bill payment, claim reporting, online quotes and general insurance information.
Homeowners may be able to save on their premiums by installing smart-home devices, bundling multiple policies or setting up automatic payments.
Get more information in our American Family homeowners insurance review.
Nationwide
Coverage options
Discounts
NAIC complaints
Nationwide
Coverage options
Discounts
NAIC complaints
The Nationwide website offers plenty of ways to manage your policy, including filing and tracking claims, paying bills, and getting quotes. The company also has a comprehensive and highly rated mobile app.
In addition, Nationwide’s customers have several ways to get assistance, such as reaching out to their agent or calling the company’s customer service hotline. Outside of business hours, they can use the Nationwide website to get proof of insurance, pay bills and schedule callbacks. A chatbot is also available to answer basic questions.
Learn more with our Nationwide homeowners insurance review.
Full list of the best homeowners insurance in Utah
NerdWallet analyzed home insurance companies across the state to find the best home insurance in Utah. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
Not available | ||
$1,085 | ||
$1,775 | ||
Not available | ||
$1,100 | ||
Not available | ||
$1,045 | ||
$835 | ||
USAA* | $1,980 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
How much does homeowners insurance cost in Utah?
The average annual cost of home insurance in Utah is $1,140. That’s 40% less than the national average of $1,915.
In most U.S. states, including Utah, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.
In Utah, those with poor credit pay an average of $2,415 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 112% more than what those with good credit pay.
Average cost of homeowners insurance in Utah by city
How much you pay for homeowners insurance in Utah depends on where you live. For instance, the average cost of home insurance in Salt Lake City is $1,150 per year, while homeowners in St. George pay $1,115 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
American Fork | $1,135 | $95 |
Bountiful | $1,195 | $100 |
Cedar City | $1,115 | $93 |
Clearfield | $1,170 | $98 |
Draper | $1,155 | $96 |
Eagle Mountain | $1,175 | $98 |
Herriman | $1,185 | $99 |
Kaysville | $1,150 | $96 |
Layton | $1,135 | $95 |
Lehi | $1,140 | $95 |
Logan | $1,115 | $93 |
Ogden | $1,170 | $98 |
Orem | $1,125 | $94 |
Pleasant Grove | $1,185 | $99 |
Provo | $1,125 | $94 |
Riverton | $1,150 | $96 |
Roy | $1,175 | $98 |
St. George | $1,115 | $93 |
Salt Lake City | $1,150 | $96 |
Sandy | $1,120 | $93 |
South Jordan | $1,120 | $93 |
Spanish Fork | $1,125 | $94 |
Tooele | $1,175 | $98 |
West Jordan | $1,120 | $93 |
West Valley City | $1,120 | $93 |
The cheapest home insurance in Utah
Here are the insurers we found with average annual rates below the Utah average of $1,140.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$835 | ||
Farm Bureau Financial Services | 4.0 NerdWallet rating | $975 |
$1,045 | ||
$1,085 | ||
$1,100 |
What to know about Utah homeowners insurance
Utah is geographically diverse, with landscapes ranging from the salt flats of the north to the desert of Moab and everything in between. That diversity brings a wide range of risks homeowners should consider when shopping for the best home insurance in Utah.
Earthquakes and other land movement
Ground movement, such as earthquakes and landslides, is not covered under standard homeowners insurance policies. To get this coverage, you’ll typically need to get an endorsement on your existing homeowners insurance policy or buy separate earthquake insurance.
Pay attention to the deductible for earthquake insurance. Deductibles are often quite high for earthquake coverage, as the risk is localized to fewer parts of the country. These deductibles are typically represented by a percent of the coverage on your policy as opposed to the amount of the loss. For example, if you have a 5% deductible on $200,000 of coverage, you would need to pay a $10,000 deductible for earthquake damage before your insurance kicks in.
When reviewing your insurance policy, see if it covers mudslides. A mudslide triggered by an earthquake may be covered by your earthquake insurance, but it’s typically not covered by standard home insurance.
Wildfires
Homeowners insurance policies typically cover damage caused by fire, but it's important to ensure that your policy covers wildfires. Pay particular attention to your dwelling coverage limit. This is the amount the insurance company will pay to rebuild your house. A significant fire can destroy your whole home, so talk to your insurance agent to make sure your coverage can help you rebuild if necessary. Read our wildfire insurance guide.
Winter weather
A standard homeowners policy typically covers damage from winter storms, including fallen trees or collapsed roofs due to the weight of snow. However, some winter weather damage may require additional coverage. For example, coverage for damage from flooding due to melting snow will typically require a separate flood insurance policy.
Flooding
Flooding in Utah can be caused by melting snow or heavy rain, a loss of vegetation after a wildfire or flash flooding in the more arid, southern part of the state. Flood damage is not covered under standard homeowners insurance policies, and that you’ll likely need separate flood insurance for that.
To find out if you’re at risk, check out the Federal Emergency Management Agency's flood maps or visit RiskFactor.com, a website from the nonprofit First Street Foundation. Even if you have a low risk, it may be worthwhile to purchase flood insurance for extra peace of mind.
Remember that while you can purchase flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect. Here’s more information about flood insurance and waiting periods.
Utah insurance department
The Utah Insurance Department oversees the state’s insurance industry and provides consumer protection. It also provides resources on homeowners insurance in Utah, such as tips about shopping for insurance and information about making a claim after a disaster strikes your home.
The Utah Insurance Department is also your go-to location to file a complaint against your insurance company through its online portal. If you have questions or need assistance, you can also reach the department via email at [email protected] or by phone at 801-957-9305.
Amanda Shapland contributed to this story.
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.
Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:
$300,000 in dwelling coverage.
$30,000 in other structures coverage.
$150,000 in personal property coverage.
$60,000 in loss of use coverage.
$300,000 in liability coverage.
$1,000 in medical payments coverage.
We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.
We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Star rating methodology
NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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