The Best Home Insurance in Utah for 2025
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Amica and Chubb are among the best home insurance companies in Utah, according to our analysis.
We analyzed data from more than 30 insurance companies to help you find the best home insurance in Utah. Below are the insurers that earned 5 stars in our analysis.
Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
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.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
$1,775 | ||
Not available | ||
USAA* | $1,980 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
The best home insurance companies in Utah
Here's more information about the best homeowners insurance companies in Utah.
Coverage options
Discounts
NAIC complaints
Amica
Coverage options
Discounts
NAIC complaints
Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.
You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.
» READ MORE: Amica homeowners insurance review
Auto-Owners
Coverage options
Discounts
NAIC complaints
Auto-Owners
Coverage options
Discounts
NAIC complaints
Auto-Owners has been in business for more than a century. Its homeowners policies include all the basics, but you can also add coverage for things like identity theft or the failure of major appliances. Guaranteed replacement cost coverage is another optional add-on, enabling you to rebuild your home after a total loss even if your dwelling coverage limit is too low.
Auto-Owners sells homeowners insurance through independent agents.
» READ MORE: Auto-Owners homeowners insurance review
Coverage options
Discounts
NAIC complaints
Chubb
Coverage options
Discounts
NAIC complaints
Chubb generally serves affluent policyholders with high-value homes, offering lofty coverage limits and plenty of perks. For example, the company covers water damage from backed-up sewers and drains, and pays to bring your home up to the latest building codes during reconstruction after a claim. (Many insurers charge more for these types of coverage.)
Utah homeowners can also sign up for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and deployment of firefighters to your house if a wildfire is approaching.
» READ MORE: Chubb homeowners insurance review
Coverage options
Discounts
NAIC complaints
USAA
Coverage options
Discounts
NAIC complaints
USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.
For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.
» READ MORE: USAA homeowners insurance review
Other home insurance companies to consider
Looking for more of the best homeowners insurance companies in Utah? These insurers received a NerdWallet star rating of 4.5:
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$1,335 | ||
$1,085 | ||
Not available | ||
$2,250 | ||
$1,100 | ||
Not available | ||
$1,045 | ||
$835 |
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
The cost of Utah homeowners insurance tends to be reasonably consistent across the state. 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 |
Common risks for Utah homeowners
Here are some of the more common risks Utah homeowners may deal with, as well as ways to insure your home against them.
Earthquakes and other land movement
Damage caused by ground movement, such as earthquakes and landslides, is typically not covered under standard homeowners insurance policies. You’ll need to get an endorsement on your existing homeowners insurance policy or buy separate earthquake insurance.
Note that earthquake coverage often comes with a high deductible, usually a percentage of the coverage on your policy. For example, if you have a 5% deductible on $200,000 of coverage, you would need to pay for $10,000 of earthquake damage before your insurance kicks in.
Wildfires
Homeowners insurance policies generally cover damage caused by fire, but it's important to ensure that you have enough coverage. 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. Learn more about wildfires and home insurance.
Winter weather
A standard homeowners policy usually 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, you’ll typically need a separate flood insurance policy to pay for damage from flooding due to melting snow.
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 isn't covered under standard homeowners insurance policies, so you’ll need separate flood insurance if your home is at risk.
Note that while you can purchase flood coverage anytime, there’s often a 30-day waiting period before the insurance takes effect.
Not sure if you’re at risk for flooding? You can look up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps don’t always capture all types of flood risk, so you may also want to check the website of the nonprofit First Street Foundation, which models climate risks. Enter your address in the top left corner to see your home’s flood risk rating on a scale of 1 to 10.
Utah insurance department
The Utah Insurance Department oversees the state’s insurance industry and provides consumer protection. Its website offers information about home insurance, including a guide to filing a claim after a disaster and tips on shopping for a policy. You can also file a complaint against your insurance company through the agency’s online portal.
If you have questions or need assistance, you can 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 2021-2023. 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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