Best Homeowners Insurance in Utah

Whether you live in the heart of Salt Lake City or in one of Utah's beautiful suburbs, Utah home insurance provides valuable protection for your house and belongings. Mortgage lenders require coverage, but home insurance is recommended to anyone who wants peace of mind.

We at the Guides Home Team have comprehensively researched the top homeowners insurance companies in Utah, grading them on coverage, cost and benefits. Rates vary based on factors such as your location and square footage. To get your personalized quote, use our free tool below.

After in-depth research, we at the Guides Home Team identified Utah's best homeowners insurance providers as the following:

According to 2023 homeowners insurance data from Quadrant Information Services, the average cost of homeowners insurance in Utah is $1,221.46, which is lower than the national average of $2,417.

Liberty Mutual is a top home insurance provider with more than a century of experience writing policies and an A rating from AM Best. Its standard policy offers expected HO3 coverage, such as dwelling, liability and loss of use. Its optional coverages are worth considering. For example, inflation protection automatically adjusts your coverage to keep pace with rising building and material costs.

Liberty Mutual stands out with its discounts. It offers typical discounts, such as for bundling policies and remaining claims free, but it also extends unique ways to save with low barriers to entry. Customers can save 10% by simply purchasing their home insurance policy online.

Discounts: Save on Liberty Mutual home insurance with its safe homeowner, claims-free, online purchase, early shopper, new/renovated home, newly purchased home, multi-policy, paperless policy, insured to value, new roof and preferred payment discounts.

Endorsements: Increase your protection by adding personal property replacement cost, water backup, blanket jewelry coverage and inflation protection endorsements to your base policy.

Get your personalized home insurance quote from Liberty Mutual.

To learn more: Liberty Mutual Insurance review

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Allstate is a top national insurer that offers three tiers of home insurance. Each tier includes standard protection, such as dwelling, other structures, personal property, loss of use and liability coverage, with individual deductibles, limits and optional coverages imposed. If none of the preset policies fit your needs, you can customize each coverage category to your liking.

Allstate has more than the average number of complaints filed against it with state insurance departments, according to the NAIC National Complaint Index Report, and comes in 11th place on J.D. Power's latest customer satisfaction survey. However, it shows financial credibility with an A+ AM Best rating and allows policyholders to easily file claims via a mobile app, online account, their agent or a claims hotline.

If you’re looking for an established provider with a plethora of optional coverage and discounts, Allstate is worth considering.

Your premiums will depend on various factors, including your eligibility for discounts and the endorsements you choose.

Discounts: Allstate offers discounts such as multi-policy, responsible payment, claim-free, welcome and loyalty, home buyer, automatic payments, protective device and early signing. Speak with an agent for a full list of discounts.

Endorsements: Enjoy a long list of optional coverage add-ons, such as identity theft restoration, water backup, scheduled personal property, business property, sports equipment, green improvement reimbursement, yard and garden, electronic data recovery, musical instruments, personal umbrella policy, manufactured/mobile home insurance, HostAdvantage and flood insurance.

Get your personalized home insurance quote from Allstate.

To learn more: Allstate Home Insurance review

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State Farm is a national insurer with more than 85 million policies in force across multiple insurance lines, such as auto, life and home insurance. As a Fortune 500 top 50 company with the highest available rating from AM Best, policyholders can count on State Farm to be able to pay out virtually any claim.

State Farm writes policies through a vast network of more than 19,000 independent agents, lending a depth of knowledge to customize your coverage. While this makes it a great choice for customers who prefer a personal touch, State Farm also features a breadth of online resources and tools to help you learn more about your coverage on your own.

*AM Best ratings are accurate as of February 2023.

Your premiums will depend on various factors, including your eligibility for discounts and the endorsements you choose.

Discounts: State Farm offers standard fare for discounts, including savings for some roof types, automatic sprinklers, security and fire alarm systems, a clean claim record and bundling policies.

Endorsements: Standard coverage can be modified with the following State Farm endorsements: backup of sewer or drain, earthquake, identity restoration, loss assessment, energy efficiency upgrade, home systems protection, service line and a special limit for water damage. Additional add-ons may be available through your local agent.

To learn more: State Farm Insurance review

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USAA was founded in 1922 when 25 army officers decided to insure one another's vehicles. Today, it offers insurance, banking, investing and other services to millions in the military community. Current or past military membership is a prerequisite, and USAA offers home insurance with great perks to qualifying members.

Standard USAA home insurance covers personal property at replacement cost value and includes coverage for identity theft and military uniforms. The provider waives your deductible for covered personal property that is lost or damaged due to war. Beyond home insurance, the USAA perks program offers its members discounts on services such as moving, storage and security device installation.

Your premiums will depend on various factors, including your eligibility for discounts and the endorsements you choose.

Discounts: With USAA, members can save with multi-policy, multi-product, connected home, protected home, claims-free and loyalty savings discounts.

Endorsements: USAA offers a short list of endorsements, including valuable personal property, home protector, earthquake and home sharing coverage.

To learn more: USAA Home Insurance review

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Travelers has more than 150 years of experience offering homeowners insurance policies across the nation, leading to impressive financial stability and a rating of A++ by AM Best. Today, the provider protects Utah residents from hazards such as fire, theft and extreme weather with customizable coverage boosted by a long list of endorsements.

Travelers is a great choice for those who want to fine-tune their premiums with a higher deductible. When we obtained sample quotes from the company, we were able to choose from nine deductible options ranging from $1,000 to $50,000. By comparison, most insurers typically feature five to seven deductible choices. Additionally, its decreasing deductible coverage reduces your deductible by $100 for each year you remain claim free.

Your premiums will depend on various factors, including your eligibility for discounts and the endorsements you choose.

Discounts: Travelers allows eligible customers to save money with its multi-policy, home buyer, loss-free, protective device and green home discounts.

Endorsements: Travelers offers an additional coverage package, which increases certain coverage limits. It also provides equipment breakdown, decreasing deductible, roofing and siding match and identity fraud expense endorsements.

Get your personalized home insurance quote from Travelers.

To learn more: Travelers Insurance review

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Each provider calculates policyholder risk differently, but they generally consider the same variables when determining rates for each policy. They look into details about the home, such as size, age and condition, and the insured homeowner, such as credit score and claims history. Here is a list of factors that help insurers determine your cost:

The average cost of homeowners insurance in Utah is $1,221.46 which is lowerthan the national average of $2,417 according to our analysis of homeowners insurance premiums using data provided by Quadrant Information Services. The annual cost of homeowners insurance can vary greatly based on your specific location which can cause your home to be more or less susceptible to risk. Use the charts below to determine the average cost in your specific area before getting quotes from multiple providers.

We at the Guides Home Team gathered home insurance quotes for the providers in this article using data from Quadrant Information Services. Quadrant is a leading source of property and casualty insurance solutions and data.

Our sample homeowner is a 40-year-old single male with good credit and no prior claims history. Our sample policies featured a $1,000 deductible and the following coverage and limits:

For each provider, we gathered a quote for 50% of the ZIP codes in every state it is licensed in. We used the most populous ZIP codes for our study. We took the average of these individual quotes to calculate a national average premium per provider. Our sample rates are for informational purposes only. Actual premiums will vary.

According to Utah Hazard Mitigation, the most common natural disasters in the state are earthquakes, wildfires and flooding. While property damage from fire and lightning is typically covered by standard home insurance, damage from floods and earthquakes is not. With the right insurer, Utah homeowners can protect themselves from these dangers with optional coverage and endorsements.

State Farm and USAA offer earthquake add-ons and Allstate offers private flood insurance. Additionally, participating communities in Utah can get public flood coverage with the National Flood Insurance Program (NFIP). Established in 1968, the NFIP provides flood insurance to those in flood-prone areas in exchange for local government cooperation to guide floodplain development.

Allstate scored the highest of all the providers in this article for its outstanding performance in our rating categories. It features a network of local agents with 24/7 customer support, an easy online home value estimation tool and a unique benefit to help keep your premium from increasing after a claim.

However, the best provider for you depends on your needs. Liberty Mutual offers a comprehensive selection of discounts, while State Farm provides numerous resources to learn more about home insurance before you buy. We recommend obtaining quotes from at least three companies before making a final decision.

Get instant quotes from insurers by entering your ZIP code here.

On average, homeowners insurance in Utah is $743, according to 2019 figures from a 2022 report published by the Insurance Information Institute (III). That's $529 less than the national average.

Homeowners insurance is not required in Utah unless you have a mortgage. If you have a mortgage, your lender will require you to have a policy.

Each home and homeowner is different, so there is no one-size-fits-all policy. Do your due diligence when shopping and consider each company's coverage, endorsements, discounts, customer service and financial strength.

Our team surveyed dozens of home insurance providers and created a scoring system to assess and compare each company's quality and service. Here are the factors that account for our provider scores according to our home insurance rating methodology:

Companies with the best customer service exhibit 24/7 availability, useful digital tools and a quick claims-filing process. Providers that offer extensive discount options, endorsements, customizable coverage options and unique features score significantly higher than those that don't, putting them toward the top of our recommendations to readers.

Mike Miller is a writer with a decade of experience producing product and service content to help consumers make informed purchasing decisions. Mike has a bachelor's degree in creative advertising. In his spare time, Mike enjoys riding and fixing motorcycles, reading a good book and spending time with his wife and two cats.

Allie Rosa is an editor with experience writing and editing in home, education, thought leadership and other areas. Before joining the team, she was a senior editor working with entrepreneurs and small-business owners. Allison has a bachelor's degree in English and holds a master's degree from Columbia University.