icon-call
Find Your Agent
Search Please enter a zip code or agent name
Get A Quote arrow right

Essential

Why Home Insurance Matters in Utah

Utah's breathtaking landscapes and thriving communities make it an exceptional place to call home. However, the state’s natural environment and climate can pose challenges that homeowners should be prepared for. Key risks to consider include:

  • Wildfires: Drought conditions and dry summers often lead to wildfires, especially in mountainous or rural areas.
  • Earthquakes: In the northern half of the state lies the Wasatch Fault Zone, which sees seismic activity. Experiencing earthquakes isn’t out of the question.
  • Flooding: While many parts of Utah are dry, flash flooding is a recognized danger, especially during sudden rainstorms in desert regions or near snowmelt areas.
  • Severe Snowstorms: Heavy snowfall during Utah’s winters can lead to structural strain, ice dams, or even roof collapses for unprepared homes.
  • Wind and Hail: Strong winds and hailstorms are not uncommon, particularly in higher elevations or during seasonal storms.

Understanding these environmental risks allows you to tailor your home insurance policy to meet the specific needs of your Utah property.

Coverage

What Does Home insurance Cover in Utah?

A standard home insurance policy in Utah typically includes coverage for the following:

  • Dwelling Coverage: Protects the physical structure of your home from risks like fire, wind, and snow damage.
  • Personal Property Coverage: Covers the cost of replacing personal belongings, such as furniture, appliances, and clothing, if damaged or stolen.
  • Liability Protection: Offers financial protection if someone gets injured on your property or if you’re found responsible for damage to someone else’s property.
  • Additional Living Expenses (ALE): Covers temporary housing costs if your home becomes uninhabitable after a covered event.

Options

Additional Coverage Options for Utah Homeowners

Many Utah homeowners may benefit from supplemental coverage to address the state-specific, such as:

  • Earthquake Insurance: With Utah’s seismic activity, adding earthquake coverage ensures you can recover from the structural and property damage earthquakes may cause.
  • Flood Insurance: Standard home insurance policies do not cover flooding, so a separate flood policy is vital if you live in flood-prone areas. Many find additional protection from the National Flood Insurance Program (NFIP), but you can also get a policy from a private insurer.
  • Extended Replacement Cost Coverage: Given rising rebuilding costs, this coverage ensures you’re protected if repair expenses exceed your policy limits.
  • Water Backup Coverage: Protects against water damage caused by backed-up sewers or drains, which can be especially useful in urban areas.

Get a Home Insurance Quote Today

Your home is one of your greatest investments, and it deserves the best protection. At Goosehead Insurance, we take the guesswork out of finding affordable home insurance in Utah. Whether you’re looking for better coverage or exploring new options, we’re here to help.

Click here to get a free quote today or call us to speak with one of our specialists. At Goosehead Insurance, we’ll help secure your piece of the Beehive State with confidence.

New Customers Call 833-779-4090

Cost

How Much Does Home Insurance Cost in Utah?

In Utah, home insurance costs vary depending on factors like location, home value, and customization of coverage. Major influences include:

  • Location: Homes in areas prone to wildfires, earthquakes, or flooding may have higher premiums.
  • Home Age and Materials: Older homes or those built with less resilient materials typically carry higher insurance costs.
  • Claims History: Homeowners with clean claims records often receive better rates.
  • Policy Details: Customizing your policy with additional coverage or adjusting deductibles will impact overall costs.

On average, Utah homeowners pay between $700 and $1,300 annually for home insurance. At Goosehead Insurance, we simplify the process of finding affordable policies by comparing rates from multiple providers, ensuring you get the right coverage at a competitive price.

Save

Tips to Save on Home Insurance in Utah

Protecting your home doesn’t have to break the bank. Here are a few ways Utah homeowners can save on home insurance premiums:

  • Bundle Policies: Combine home and auto insurance to take advantage of discounts.
  • Mitigate Risk: Install fire-resistant roofing, smoke detectors, or seismic upgrades to minimize potential damage.
  • Enhance Security: Adding home security systems like cameras or motion detectors can lead to premium reductions.
  • Perform Regular Maintenance: Maintaining your home’s roof, plumbing, and electrical systems can help prevent claims and reduce insurance costs.

Choose Goosehead

Why Choose Goosehead Insurance for Your Utah Home?

At Goosehead Insurance, we’re committed to helping you find the perfect policy for your Utah home. Whether you’re buying your first property or reviewing your current coverage, our team provides:

  • Comprehensive Comparisons: We compare policies from top-rated providers to find the best options for you.
  • Tailored Solutions: Our knowledgeable agents work with you to customize coverage based on your home’s unique needs.
  • Effortless Process: From getting a quote to finalizing your policy, we make home insurance easy and stress-free.
  • High-quality Service: We’re here to guide you through every step, prioritizing your peace of mind.



Notice of Rights to Opt Out of Sale/Sharing

Some states have enacted comprehensive privacy laws that grant their residents with the right to opt out of “targeted advertising,” “selling,” or “sharing” of personal information.
 

We or our marketing and advertising service providers may use information about your activities on our Website or other websites to help tailor our advertisements or offers to what may interest you. To opt out of these activities while using our Website move the above toggle to the left and confirm your choices below. These activities are based on online cookies and the opt-out choice is specific to this device. Should you ever clear your cookies on this browser or use another browser or device you may need to opt-out again.

Exercising your State Specific Comprehensive Privacy Rights 
To submit a data privacy request and request access to or deletion of your personal information, or to exercise any other data rights under California, Colorado, Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, and Virginia* law, please contact us using one of the following methods:
  • Website: you may visit https://www.gooseheadinsurance.com/consumer-privacy-requests/ to exercise your privacy rights via our website. Please fill in the appropriate web form so that we may verify and process your request in an efficient manner.
  • Email: you may contact us at [email protected] to exercise your privacy rights. Please include your full name, email address, and the phone number associated with your insurance policy, along with why you are writing.
  • Phone: you may call and leave a voicemail 1-888-928-0031 to exercise your privacy rights. Please include your full name and the phone number associated with your insurance policy, along with why you are calling.
  • Mail: you may mail a letter to exercise your privacy rights (see Contact Us below). Please include your full name, phone number, and the details of your request
*While Connecticut, Delaware, Iowa, Minnesota, Montana, Nebraska, New Hampshire, New Jersey Oregon, Tennessee, Texas, Utah, and Virginia have enacted privacy laws, Goosehead is exempt based on its status as an insurance producer and/or its compliance with the Gramm-Leach Bliley Act.
 
Methods to Opt-Out of Sharing of Personal Information for Targeted Advertising: To limit interest-based advertising generally click here and/or select the “limit ad tracking” or equivalent setting in your mobile device settings. Additionally, if you enable a browser-based opt-out preference signal, such as Global Privacy Control, in certain jurisdictions, upon receipt or detection, we will make reasonable efforts to treat the signal as a valid request to opt out of the sharing of Personal Information for targeted advertising pursuant to applicable law.

To access our full Privacy Policy, please click here.

The Digital Agent is under maintenance

Please defer to our insurance type form to get in touch with an agent.