The MFP’s Community Home Insurance Survey use Utah homeowners opinions and recommendations on home insurers, agents, and brokers they use. Also see premiums by home values and deductibles in the state and its main cities.
Shopping for home insurance is not always simple and we gathered this data to help your choice.
Updated: January 8, 2026
<< Human Powered Recommendations from Utah Own Homeowners >>
- Utah Best Home Insurance Companies
- Best Home Insurance by City: Cost, Deductible & Rating
- Main Home Insurance Cost Factors in Utah
- Best Home Insurance Discounts in Utah
- How to Find the Best Cheap Home Insurance in Utah
- 5 Ways to Reduce Your Home Insurance Cost
- What Does Home Insurance Cover in Utah?
- Extra Coverage Options in Utah
- FAQ: Home Insurance in Utah
Utah Best Insurance Companies
MFP’s Community Home Insurance Survey most recommended home insurers in Utah are USAA, Amica, and State Farm.
| Insurer | Coverage | Customer Experience | Cost | Ease of Use | Recommend % |
|---|---|---|---|---|---|
| USAA | 4.5 | 4.8 | 4.0 | 4.7 | 92% |
| Amica | 4.3 | 4.6 | 4.2 | 4.5 | 89% |
| State Farm | 4.0 | 4.4 | 4.3 | 4.1 | 87% |
| Nationwide | 4.2 | 4.1 | 4.0 | 4.0 | 85% |
| Travelers | 3.8 | 3.9 | 4.2 | 3.9 | 82% |
| Liberty Mutual | 3.7 | 3.8 | 4.1 | 3.7 | 80% |
| Allstate | 3.9 | 3.7 | 3.8 | 3.6 | 78% |
| Farmers | 3.6 | 3.5 | 3.9 | 3.5 | 75% |
| American Family | 3.8 | 3.9 | 3.7 | 3.8 | 83% |
| Chubb | 4.5 | 4.3 | 3.5 | 3.0 | 81% |
Utah average home insurance for a $1,000 deductible:
- Utah average premiums for a $300K Home is $914 (while it’s $1,568 nationally).
- Utah average premiums for a $400K Home is $1,148. It’s $2,088 nationally.
- Utah average premiums for a $600K Home is $1,725 (and it’s $2,906 nationally).
Best Insurance in Utah’s cities
Salt Lake City, West Valley, West Jordan, Provo, St. George, Orem, Sandy, Lehi, Ogden, South Jordan
Recommendations are gathered from 3,073 local Utah members who requested quotes, filed a claim or got new home insurance in the past 12 months. We survey cost, customer experience, coverage and ease of use, plus if homeowners recommend the insurer, agent or broker:
- Coverage (0 to 5): Are you satisfied with the insurance coverage offered? Do you consider your belongings are adequately insured for various events? Are you satisfied with the available options?
- Customer Experience: Are you happy with the quality of service and communication during and after your quote? Or claim handling? A good score here reflects friendly, knowledgeable agents, prompt responses, and a transparent, supportive claims process.
- Ease of Use (0 to 5): Are the policy documents clear? Is it simple to apply for your policy? If you did, was the claim filing process (through an app or website) easy?
- Cost (0 to 5): Considering the coverage and deductible you’re (or you’ll be) paying, do you feel you’re getting good value with your insurance? Is the pricing transparent with no hidden fees? Are discounts readily available and applied?
- Recommendation (yes/no): Do you recommend this insurer, agent or broker after going through the process?
More Information for Utah Homeowners:
How Much Home Coverage Do You Need?
Home Insurance Coverage Add-ons You May Need
Home Insurance Shopping: How to Save Money
Utah Best Mortgage Lenders from Community Recommendations
Utah Best Refinance Lenders from Community Recommendations
More Resources for Utah Homeowners.
Salt Lake City Home Insurance Costs
Compare Salt Lake City 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Salt Lake City, the average annual insurance cost for a $300K home with a $500 deductible is $995. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in Salt Lake City for a $300K home.
Salt Lake City’s $600K home insurance cost is 1.3% higher than the Utah average of $1,862. The Salt Lake City average annual cost for a $600K home with a $500 deductible is $1,885.
Salt Lake City’s $800K home insurance cost is 1.3% higher than the Utah average of $2,325. The Salt Lake City average annual cost for a $800K Home with a $500 deductible is $2,356.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $543 | $504 | $474 | $453 | $378 | $319 |
| $200K Home | $775 | $718 | $675 | $646 | $539 | $455 |
| $300K Home | $995 | $922 | $867 | $830 | $692 | $584 |
| $400K Home | $1,232 | $1,141 | $1,073 | $1,028 | $857 | $723 |
| $600K Home | $1,885 | $1,747 | $1,642 | $1,572 | $1,311 | $1,106 |
| $800K Home | $2,356 | $2,183 | $2,053 | $1,966 | $1,639 | $1,383 |
| $1M Home | $2,733 | $2,532 | $2,381 | $2,279 | $1,900 | $1,604 |
Salt Lake City Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Salt Lake City’s area are State Farm, The Allen Thomas Group, and Nationwide.
- State Farm (92%): Homeowners highlight responsive agents and comprehensive wildfire coverage
- The Allen Thomas Group (89%): Members value multi-carrier comparisons and claim support
- Nationwide (87%): Users appreciate smart home discounts and roof replacement policies
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 92% |
| The Allen Thomas Group | Broker | 4.5 | 4.5 | 4 | 4 | 89% |
| Nationwide | Agents | 4 | 4 | 4.5 | 4 | 87% |
| Amica | Insurer | 4.5 | 4.5 | 3.5 | 4 | 88% |
| USAA | Insurer | 4.5 | 4.5 | 4 | 4 | 90% |
| Next Level Insurance | Broker | 4 | 4.5 | 4 | 4 | 87% |
| Tebbs Brothers | Broker | 4 | 4.5 | 3.5 | 4 | 85% |
See also:
Salt Lake City Best Refinance Lenders
Salt Lake City Best Home Loan Lenders
West Valley Home Insurance Costs
Compare West Valley 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In West Valley, the average annual insurance cost for a $300K home with a $500 deductible is $1,025. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.5% in West Valley for a $300K home.
West Valley’s $600K home insurance cost is 7.9% higher than the Utah average of $1,862. The West Valley average annual cost for a $600K home with a $500 deductible is $2,008.
West Valley’s $800K home insurance cost is 7.9% higher than the Utah average of $2,325. The West Valley average annual cost for a $800K Home with a $500 deductible is $2,509.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $585 | $542 | $510 | $488 | $407 | $333 |
| $200K Home | $811 | $751 | $706 | $677 | $564 | $462 |
| $300K Home | $1,025 | $950 | $893 | $856 | $713 | $584 |
| $400K Home | $1,292 | $1,197 | $1,125 | $1,079 | $899 | $736 |
| $600K Home | $2,008 | $1,861 | $1,749 | $1,677 | $1,397 | $1,144 |
| $800K Home | $2,509 | $2,326 | $2,186 | $2,096 | $1,746 | $1,430 |
| $1M Home | $2,911 | $2,698 | $2,536 | $2,431 | $2,025 | $1,658 |
West Valley Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in West Valley City’s area are State Farm, The Allen Thomas Group, and Nationwide.
- State Farm (91%): Homeowners praise local agent availability and RateGuard protection
- The Allen Thomas Group (88%): Members highlight multi-carrier earthquake coverage options
- Nationwide (86%): Users value smart home device discounts
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 91% |
| The Allen Thomas Group | Broker | 4.5 | 4.5 | 4 | 4 | 88% |
| Nationwide | Agents | 4 | 4 | 4.5 | 4 | 86% |
| Amica | Insurer | 4.5 | 4.5 | 3.5 | 4 | 85% |
| Farmers | Agents | 4 | 4 | 3.5 | 4 | 83% |
| Allstate | Agents | 4 | 4 | 3.5 | 3.5 | 82% |
| Rob Jackson Insurance | Broker | 4 | 4.5 | 3.5 | 4 | 81% |
| Travelers | Insurer | 3.5 | 3.5 | 3.5 | 4.5 | 80% |
| American Family | Agents | 3.5 | 4 | 3.5 | 4 | 78% |
| Liberty Mutual | Agents | 4 | 3.5 | 4 | 3.5 | 76% |
See also:
West Valley Best Refinance Lenders
West Valley Best Home Loan Lenders
West Jordan Home Insurance Costs
Compare West Jordan 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In West Jordan, the average annual insurance cost for a $300K home with a $500 deductible is $1,005. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in West Jordan for a $300K home.
West Jordan’s $600K home insurance cost is 1.0% lower than the Utah average of $1,862. The West Jordan average annual cost for a $600K home with a $500 deductible is $1,842.
West Jordan’s $800K home insurance cost is 1.0% lower than the Utah average of $2,325. The West Jordan average annual cost for a $800K Home with a $500 deductible is $2,303.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $556 | $515 | $484 | $463 | $386 | $323 |
| $200K Home | $780 | $723 | $679 | $651 | $542 | $453 |
| $300K Home | $1,005 | $931 | $875 | $838 | $698 | $584 |
| $400K Home | $1,257 | $1,164 | $1,094 | $1,048 | $873 | $730 |
| $600K Home | $1,842 | $1,707 | $1,604 | $1,536 | $1,280 | $1,071 |
| $800K Home | $2,303 | $2,133 | $2,005 | $1,920 | $1,599 | $1,338 |
| $1M Home | $2,672 | $2,475 | $2,326 | $2,228 | $1,856 | $1,553 |
West Jordan Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in West Jordan’s area are State Farm, Amica, and Nationwide.
- State Farm (90%): Members commend efficient claims for hail damage
- Amica (87%): Homeowners appreciate dividend payouts
- Nationwide (85%): Users highlight building code upgrade coverage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 90% |
| Amica | Insurer | 4.5 | 4.5 | 3.5 | 4 | 87% |
| Nationwide | Agents | 4 | 4 | 4.5 | 4 | 85% |
| The Allen Thomas Group | Broker | 4.5 | 4.5 | 4 | 4 | 84% |
| Farmers | Agents | 4 | 4 | 3.5 | 4 | 82% |
| Allstate | Agents | 4 | 4 | 3.5 | 3.5 | 80% |
| Rob Jackson Insurance | Broker | 4 | 4.5 | 3.5 | 4 | 79% |
| Travelers | Insurer | 3.5 | 3.5 | 3.5 | 4.5 | 77% |
| American Family | Agents | 3.5 | 4 | 3.5 | 4 | 76% |
| Liberty Mutual | Agents | 4 | 3.5 | 4 | 3.5 | 75% |
West Jordan Best Refinance Lenders
West Jordan Best Home Loan Lenders
Provo Home Insurance Costs
Compare Provo 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Provo, the average annual insurance cost for a $300K home with a $500 deductible is $935. Choosing a $2,000 deductible instead of $500 can lower annual cost by 15.6% in Provo for a $300K home.
Provo’s $600K home insurance cost is 5.6% lower than the Utah average of $1,862. The Provo average annual cost for a $600K home with a $500 deductible is $1,757.
Provo’s $600K home insurance cost is 5.6% lower than the Utah average of $1,862. The Provo average annual cost for a $600K home with a $500 deductible is $1,757.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $526 | $488 | $459 | $444 | $368 | $329 |
| $200K Home | $741 | $687 | $646 | $625 | $517 | $463 |
| $300K Home | $935 | $867 | $816 | $789 | $653 | $584 |
| $400K Home | $1,184 | $1,097 | $1,033 | $999 | $827 | $739 |
| $600K Home | $1,757 | $1,629 | $1,533 | $1,482 | $1,227 | $1,097 |
| $800K Home | $2,196 | $2,036 | $1,916 | $1,853 | $1,533 | $1,371 |
| $1M Home | $2,547 | $2,362 | $2,223 | $2,149 | $1,779 | $1,591 |
Provo Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Provo’s area are Nationwide, State Farm, and Amica.
- Nationwide (89%): Members value ordinance/law coverage for older homes
- State Farm (86%): Homeowners appreciate inflation protection
- Amica (84%): Users highlight identity theft protection
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Nationwide | Agents | 4.5 | 4 | 4.5 | 4 | 89% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 86% |
| Amica | Insurer | 4.5 | 4.5 | 3.5 | 4 | 84% |
| Farmers | Agents | 4 | 4 | 3.5 | 4 | 82% |
| The Allen Thomas Group | Broker | 4.5 | 4.5 | 4 | 4 | 81% |
| Allstate | Agents | 4 | 4 | 3.5 | 3.5 | 79% |
| American Family | Agents | 3.5 | 4 | 3.5 | 4 | 77% |
| Travelers | Insurer | 3.5 | 3.5 | 3.5 | 4.5 | 76% |
| Liberty Mutual | Agents | 4 | 3.5 | 4 | 3.5 | 75% |
| Rob Jackson Insurance | Broker | 4 | 4.5 | 3.5 | 4 | 74% |
See also:
St. George Home Insurance Costs
Compare St. George 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In St. George, the average annual insurance cost for a $300K home with a $500 deductible is $1,065. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.3% in St. George for a $300K home.
St. George’s $600K home insurance cost is 8.4% higher than the Utah average of $1,862. The St. George average annual cost for a $600K home with a $500 deductible is $2,017.
St. George’s $800K home insurance cost is 8.5% higher than the Utah average of $2,325. The St. George average annual cost for a $800K Home with a $500 deductible is $2,522.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $615 | $570 | $536 | $514 | $421 | $337 |
| $200K Home | $870 | $806 | $758 | $727 | $596 | $477 |
| $300K Home | $1,065 | $987 | $928 | $891 | $730 | $584 |
| $400K Home | $1,335 | $1,237 | $1,163 | $1,117 | $915 | $732 |
| $600K Home | $2,017 | $1,870 | $1,758 | $1,688 | $1,383 | $1,106 |
| $800K Home | $2,522 | $2,337 | $2,198 | $2,110 | $1,729 | $1,383 |
| $1M Home | $2,925 | $2,711 | $2,549 | $2,447 | $2,005 | $1,604 |
St Georgia Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in St. George’s area are State Farm, Amica, and Farmers.
- State Farm (88%): Homeowners value wildfire defense resources
- Amica (85%): Members appreciate dividend policies
- Farmers (82%): Users highlight flood insurance options
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 88% |
| Amica | Insurer | 4.5 | 4.5 | 3.5 | 4 | 85% |
| Farmers | Agents | 4 | 4 | 3.5 | 4 | 82% |
| Nationwide | Agents | 4 | 4 | 4 | 4 | 80% |
| The Allen Thomas Group | Broker | 4 | 4.5 | 4 | 4 | 78% |
See also:
St George Best Refinance Lenders
St George Best Home Loan Lenders
Orem Home Insurance Costs
Compare Orem 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Orem, the average annual insurance cost for a $300K home with a $500 deductible is $945. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.7% in Orem for a $300K home.
Orem’s $600K home insurance cost is 5.3% lower than the Utah average of $1,862. The Orem average annual cost for a $600K home with a $500 deductible is $1,763.
Orem’s $800K home insurance cost is 5.3% lower than the Utah average of $2,325. The Orem average annual cost for a $800K Home with a $500 deductible is $2,203.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $518 | $480 | $452 | $432 | $361 | $320 |
| $200K Home | $737 | $683 | $643 | $614 | $514 | $455 |
| $300K Home | $945 | $876 | $824 | $787 | $659 | $584 |
| $400K Home | $1,176 | $1,090 | $1,026 | $980 | $820 | $727 |
| $600K Home | $1,763 | $1,634 | $1,537 | $1,468 | $1,229 | $1,089 |
| $800K Home | $2,203 | $2,042 | $1,921 | $1,835 | $1,536 | $1,362 |
| $1M Home | $2,556 | $2,370 | $2,229 | $2,129 | $1,783 | $1,580 |
Orem Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Orem’s area are Nationwide, State Farm, and American Family.
- Nationwide (87%): Members highlight smart home monitoring
- State Farm (85%): Homeowners value arson reward coverage
- American Family (82%): Users appreciate newlywed discounts
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Nationwide | Agents | 4.5 | 4 | 4.5 | 4 | 87% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 85% |
| American Family | Agents | 4 | 4 | 3.5 | 4 | 82% |
| Amica | Insurer | 4.5 | 4.5 | 3.5 | 4 | 80% |
| Farmers | Agents | 4 | 4 | 3.5 | 4 | 78% |
See also:
Sandy Home Insurance Costs
Compare Sandy 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Sandy, the average annual insurance cost for a $300K home with a $500 deductible is $975. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in Sandy for a $300K home.
Sandy’s $600K home insurance cost is 0.1% lower than the Utah average of $1,862. The Sandy average annual cost for a $600K home with a $500 deductible is $1,859.
In Sandy, the average annual cost for a $800K Home with a $500 deductible is $2,324. Its cost is 0.1% lower than the Utah average of $2,325.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $522 | $483 | $454 | $435 | $362 | $312 |
| $200K Home | $742 | $687 | $646 | $619 | $514 | $444 |
| $300K Home | $975 | $903 | $849 | $813 | $676 | $584 |
| $400K Home | $1,228 | $1,137 | $1,069 | $1,024 | $851 | $735 |
| $600K Home | $1,859 | $1,722 | $1,619 | $1,550 | $1,289 | $1,113 |
| $800K Home | $2,324 | $2,153 | $2,024 | $1,938 | $1,611 | $1,392 |
| $1M Home | $2,695 | $2,496 | $2,347 | $2,247 | $1,869 | $1,614 |
Sandy Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Sandy’s area are State Farm, Nationwide, and Allstate.
- State Farm (89%): Members commend debris removal coverage
- Nationwide (86%): Homeowners appreciate water backup options
- Allstate (83%): Users value sports equipment coverage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 89% |
| Nationwide | Agents | 4.5 | 4 | 4.5 | 4 | 86% |
| Allstate | Agents | 4 | 4 | 3.5 | 3.5 | 83% |
| Amica | Insurer | 4.5 | 4.5 | 3.5 | 4 | 81% |
| Farmers | Agents | 4 | 4 | 3.5 | 4 | 79% |
See also:
Lehi Home Insurance Costs
Compare Lehi 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Lehi, the average annual insurance cost for a $300K home with a $500 deductible is $965. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in Lehi for a $300K home.
Lehi’s $600K home insurance cost is 2.3% lower than the Utah average of $1,862. The Lehi average annual cost for a $600K home with a $500 deductible is $1,819.
In Lehi, the average annual cost for a $800K Home with a $500 deductible is $2,275. Its cost is 2.2% lower than the Utah average of $2,325.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $545 | $505 | $475 | $455 | $378 | $330 |
| $200K Home | $772 | $715 | $673 | $644 | $535 | $467 |
| $300K Home | $965 | $894 | $841 | $805 | $669 | $584 |
| $400K Home | $1,225 | $1,135 | $1,067 | $1,022 | $849 | $741 |
| $600K Home | $1,819 | $1,686 | $1,586 | $1,518 | $1,261 | $1,101 |
| $800K Home | $2,275 | $2,107 | $1,982 | $1,897 | $1,577 | $1,377 |
| $1M Home | $2,638 | $2,444 | $2,299 | $2,201 | $1,829 | $1,597 |
Lehi Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Lehi’s area are Farmers, State Farm, and Nationwide.
- Farmers (88%): Members appreciate green home rebates
- State Farm (85%): Homeowners value electronic data recovery
- Nationwide (83%): Users highlight equipment breakdown coverage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Farmers | Agents | 4.5 | 4 | 3.5 | 4 | 88% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 85% |
| Nationwide | Agents | 4.5 | 4 | 4.5 | 4 | 83% |
| Amica | Insurer | 4.5 | 4.5 | 3.5 | 4 | 81% |
| The Allen Thomas Group | Broker | 4 | 4.5 | 4 | 4 | 79% |
See also:
Ogden Home Insurance Costs
Compare Ogden 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In Ogden, the average annual insurance cost for a $300K home with a $500 deductible is $995. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in Ogden for a $300K home.
Ogden’s $600K home insurance cost is 0.6% higher than the Utah average of $1,862. The Ogden average annual cost for a $600K home with a $500 deductible is $1,873.
| Deductible | |||||
|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 |
| $100K Home | $561 | $520 | $489 | $468 | $390 |
| $200K Home | $794 | $735 | $691 | $662 | $552 |
| $300K Home | $995 | $922 | $867 | $830 | $692 |
| $400K Home | $1,255 | $1,163 | $1,094 | $1,047 | $873 |
| $600K Home | $1,873 | $1,735 | $1,632 | $1,562 | $1,302 |
Ogden Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in Ogden’s area are State Farm, Amica, and Farmers.
- State Farm (90%): Members commend winter storm coverage
- Amica (87%): Homeowners appreciate dividend policies
- Farmers (84%): Users value musical instrument coverage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 90% |
| Amica | Insurer | 4.5 | 4.5 | 3.5 | 4 | 87% |
| Farmers | Agents | 4 | 4 | 3.5 | 4 | 84% |
| Nationwide | Agents | 4 | 4 | 4 | 4 | 82% |
| Allstate | Agents | 4 | 4 | 3.5 | 3.5 | 80% |
See also:
South Jordan Home Insurance Costs
Compare South Jordan 2026 annual home insurance cost across different home values and deductibles. All cost assume standard coverage levels.
In South Jordan, the average annual insurance cost for a $300K home with a $500 deductible is $955. Choosing a $2,000 deductible instead of $500 can lower annual cost by 16.6% in South Jordan for a $300K home.
South Jordan’s $600K home insurance cost is 3.7% lower than the Utah average of $1,862. The South Jordan average annual cost for a $600K home with a $500 deductible is $1,792.
In South Jordan, the average annual cost for a $800K Home with a $500 deductible is $2,240. Its cost is 3.7% lower than the Utah average of $2,325.
| Deductible | ||||||
|---|---|---|---|---|---|---|
| Home Value | $500 | $1,000 | $1,500 | $2,000 | $5,000 | $10,000 |
| $100K Home | $536 | $497 | $467 | $447 | $373 | $328 |
| $200K Home | $758 | $703 | $660 | $632 | $527 | $464 |
| $300K Home | $955 | $885 | $831 | $796 | $664 | $584 |
| $400K Home | $1,206 | $1,117 | $1,049 | $1,005 | $838 | $737 |
| $600K Home | $1,792 | $1,661 | $1,559 | $1,494 | $1,246 | $1,096 |
| $800K Home | $2,240 | $2,076 | $1,949 | $1,867 | $1,558 | $1,370 |
| $1M Home | $2,598 | $2,408 | $2,261 | $2,166 | $1,807 | $1,589 |
South Jordan Best Home Insurance
MFP’s Home Insurance Survey most recommended insurers and brokers in South Jordan’s area are Nationwide, State Farm, and Amica.
- Nationwide (89%): Members highlight brand-new belongings coverage
- State Farm (86%): Homeowners appreciate guaranteed repair network
- Amica (83%): Users value water backup coverage
| Name | Type | Coverage | Client Experience | Ease of Use | Cost | Recommend % |
|---|---|---|---|---|---|---|
| Nationwide | Agents | 4.5 | 4 | 4.5 | 4 | 89% |
| State Farm | Agents | 4.5 | 4.5 | 4 | 3.5 | 86% |
| Amica | Insurer | 4.5 | 4.5 | 3.5 | 4 | 83% |
| Farmers | Agents | 4 | 4 | 3.5 | 4 | 81% |
| The Allen Thomas Group | Broker | 4 | 4.5 | 4 | 4 | 79% |
See also:
South Jordan Best Refinance Lenders
South Jordan Best Home Loan Lenders
Biggest Home Insurance Cost Factors in Utah
Weather Risks
Utah’s geography creates varying weather-related risks that influence home insurance costs. While it doesn’t face hurricanes or coastal flooding, the state does see frequent wildfires—especially in dry summer months. Homeowners in high-risk fire zones, such as those near the Wasatch Mountains or in the southern regions like St. George, typically face higher premiums. Additionally, snow and ice accumulation in northern Utah, including Salt Lake City and Park City, can lead to roof damage and frozen pipes, which insurers account for in pricing.
Location in Utah
Insurance costs in Utah differ significantly by region. Urban areas like Salt Lake City and Provo tend to have lower rates due to better access to fire departments and emergency services. On the other hand, rural and mountainous areas may see increased premiums due to longer emergency response times and higher wildfire risk. Areas experiencing high population growth, such as Lehi and Herriman, may also see premium fluctuations based on rebuilding costs and service availability.
Home Construction Age
Older homes in Utah often cost more to insure due to outdated electrical, plumbing, and structural systems. For example, homes in Sugar House (Salt Lake City) or Ogden’s historic districts may have charm but come with increased risk factors. Newer homes, especially those built after 2010 in places like Daybreak (South Jordan), usually benefit from updated building codes and fire-resistant materials, resulting in lower premiums.
| Home Age | Typical Cost Change |
|---|---|
| 0–5 years | 15% to 25% less |
| 6–10 years | 10% to 20% less |
| 11–20 years | 0% |
| 21–30 years | 10% to 25% more |
| 31–40 years | 20% to 40% more |
| 41–60 years | 40% to 60% more |
| 60+ years | 60% to 100% more |
Utah’s older neighborhoods, like in central Ogden or older suburbs of Salt Lake City, often fall in the higher cost brackets, while newer communities along the Wasatch Front benefit from modern infrastructure and lower insurance rates.
Credit Score Impact
Utah insurers often use credit-based insurance scores to help determine premium rates. Homeowners with better credit scores are seen as less risky and receive better rates. This model is common throughout the state and can lead to wide premium differences even among similar homes.
| Credit Score | Typical Cost Change |
|---|---|
| Excellent | 0% |
| Good | 20% more |
| Average | 40% more |
| Poor | 100% to 170% more |
Improving your credit score in Utah can substantially reduce your home insurance costs over time.
Best Home Insurance Discounts in Utah
- Multi-policy discount: Bundle your home and auto insurance with the same provider to save up to 25%.
- Security system discount: Installing monitored security alarms or fire detection systems often leads to lower premiums.
- New home discount: Homes built within the last 10 years may qualify for discounts due to lower risk factors.
- Claims-free discount: Homeowners who haven’t filed claims for several years often get preferred rates.
- Paperless billing and auto-pay discounts: Many insurers reward customers who reduce administrative overhead with small premium reductions.
How to Find Cheap Home Insurance in Utah?
To find affordable home insurance in Utah, shop around and compare quotes from multiple providers. Focus on companies with strong customer service ratings and financial strength. Don’t base your decision on price alone—the cheapest policy might lack essential coverage or have high deductibles. Always assess coverage limits, exclusions, and optional endorsements before committing.
6 Ways to Reduce Your Home Insurance Cost in Utah
- Improve your credit score to qualify for better rates.
- Bundle home and auto insurance policies with one provider.
- Install smart home safety devices like water leak detectors or smoke alarms.
- Raise your deductible, if you can afford higher out-of-pocket expenses.
- Avoid small claims that could increase your risk rating.
- Make upgrades to plumbing, electrical, or roof systems in older homes.
What Does Home Insurance Cover in Utah?
Most home insurance policies in Utah cover damage from fire, theft, vandalism, windstorms, and hail. They also include liability protection, personal property coverage, and additional living expenses if your home becomes uninhabitable due to a covered event. Flood and earthquake coverage are not included and require separate policies.
Extra Home Coverage in Utah
Homeowners in Utah may consider the following additional coverage:
- Earthquake insurance: Utah sits on the Wasatch Fault, so residents in places like Salt Lake City or Provo may benefit from this protection.
- Flood insurance: Required if you live in a designated floodplain, such as parts of Davis or Weber counties.
- Water backup coverage: Helps protect against damage from sump pump or sewer line failures.
- Extended replacement cost coverage: Offers extra financial protection if rebuild costs exceed standard coverage limits due to inflation or supply shortages.
FAQ: Utah Home Insurance
How much is home insurance in Utah?
The average premium ranges between $700 to $1,200 annually, depending on location, home size, and risk profile.
Is earthquake insurance required in Utah?
It’s not required by law, but it’s highly recommended for homeowners along the Wasatch Front due to seismic activity.
Does home insurance cover wildfire damage?
Yes, most standard policies in Utah include wildfire protection, but homes in high-risk zones may pay more or need additional endorsements.
Can I switch home insurance providers mid-policy?
Yes, you can cancel your current policy anytime and switch without penalties, though you may not get a full refund on prepaid premiums.
Do Utah insurers check credit for home insurance?
Yes, most do. Your credit score significantly impacts your premium in Utah.