The Best Home Insurance in Utah for 2025

Chubb, USAA and Amica are the best home insurance companies in Utah, according to our analysis.

To help you find the best home insurance in Utah, we gathered and analyzed data from insurance companies across the state. These are the insurers that earned 4.5 stars or more.

Rates are based on a sample homeowner with no recent claims, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

» MORE: The best home insurance companies

Below are more details about the best homeowners insurance companies in Utah.

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.

Chubb focuses on well-to-do homeowners, offering coverage other insurers often charge extra for. For example, the company’s policies include extended replacement cost coverage for the structure of your home, in case it costs more than expected to rebuild after a disaster. Chubb’s standard policies also cover water damage from backed-up sewers and drains.

Policyholders in Utah are eligible for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and firefighters sent to your home if a wildfire is near.

» READ MORE: Chubb homeowners insurance review

Amica shines when it comes to customer service. It receives far fewer complaints than expected for insurers of its size, according to the National Association of Insurance Commissioners. Amica also earned high scores in two recent J.D. Power surveys about home insurance and customer satisfaction.

The company also stands out for its range of coverage options. For example, you can customize your policy with extra coverage above your dwelling limit. This could be useful in case your house costs more to rebuild than expected. You may also want to add coverage for identity theft or damage from backed-up drains.

» READ MORE: Amica homeowners insurance review

If you want to support companies that prioritize sustainability, consider Cincinnati Insurance. In recent years, the insurer has reduced fossil fuel emissions from both its facilities and company vehicles. When you buy Cincinnati home insurance, you may be able to add a “green upgrade” endorsement. With this coverage, you can use eco-friendly materials to repair or rebuild your home after a claim.

The company offers a variety of other options, including comprehensive coverage for high-value homes. You may be able to add coverage for things like identity theft, personal cyber attacks or certain types of water damage.

» READ MORE: Cincinnati homeowners insurance review

State Farm stands out for its long list of coverage options and policies that generally include extra dwelling coverage in case it costs more than expected to rebuild your home. You may be able to add coverage for things like identity theft and water damage from backed-up drains. Another option may be to add an inflation guard rider to your policy, which automatically increases your policy limits to keep up with inflation.

State Farm offers a free Ting smart plug to home insurance policyholders as a perk. This device monitors your home’s electrical network to help prevent fires.

» READ MORE: State Farm homeowners insurance review

Allstate offers lots of ways to customize your policy, including replacement cost coverage for your personal property and coverage for water damage caused by backed-up drains. Other options may include home-sharing coverage and reimbursement for replacing damaged items with energy-efficient versions.

You may also be able to upgrade your policy with the Enhanced Package. One benefit of this package is Deductible Rewards, which takes $100 off your deductible when you sign up, plus an additional $100 off for each year you go without filing a claim. If you do file a claim, your rates won’t go up.

» READ MORE: Allstate homeowners insurance review

American Family offers broader coverage for your home’s structure than many insurers do. If you insure your home up to its replacement cost, American Family will automatically add extended replacement coverage to your policy.

American Family has a long list of extras you can add to your policy. For instance, you can buy coverage in case a major appliance breaks down or an underground utility line needs repairs. Discounts may be available for installing smart-home devices, bundling multiple policies or setting up automatic payments.

» READ MORE: American Family homeowners insurance review

Openly's default home insurance policy goes well beyond those of many other insurers. Most notably, it offers guaranteed replacement cost coverage for the structure of your home. That means if your house is destroyed by a covered disaster, Openly will pay whatever it takes to rebuild it the way it was before.

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.

» READ MORE: Openly homeowners insurance review

USAA sells homeowners insurance to active military members, veterans and their families. If that’s you, you may want to consider USAA. The company offers some perks that are specific to members of the military, like deductible-free coverage for military uniforms and equipment.

USAA homeowners insurance has certain features that many insurers charge extra for. For example, USAA covers your personal belongings on a replacement cost basis. That means you’ll get enough money to buy brand-new replacements for damaged items. Many companies pay only what your items are worth at the time of the claim.

» READ MORE: USAA homeowners insurance review

• See all NerdWallet home insurance reviews

  AAA Allstate American Family Amica Andover Companies Auto-Owners Chubb Cincinnati Citizens Property Insurance Concord Group Costco (Connect) Country Financial Erie Farmers Frankenmuth GEICO The Hanover The Hartford/AARP

  Hippo Homeowners of America Homesite Kin Lemonade Liberty Mutual Mercury Nationwide NJM Openly Progressive Safeco Safety State Farm Travelers Universal Property USAA

The average annual cost of home insurance in Utah is $1,385. That's 34% less than the national average of $2,110.

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 $2,815 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 103% more than what those with good credit pay.

» MORE: How your credit score affects homeowners insurance

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 $1,440 per year, while homeowners in St. George pay $1,315 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

Here are the insurers we found with average annual rates below the Utah average of $1,385.

» MORE: The cheapest homeowners insurance

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 by homeowners insurance. For that, you'll need an endorsement on your existing homeowners insurance policy or a buy separate earthquake insurance policy.

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 make sure 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 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 roofs that collapse under the weight of snow. However, some damage caused by winter weather may require additional coverage. For example, you’ll typically need flood insurance 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. Home insurance doesn’t cover flood damage. You'll need separate flood insurance for that.

To check your flood risk, start by looking 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. You may want to check another source, like First Street, a private company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating on a scale of 1 to 10.

» MORE: Do you need flood insurance?

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 prop-cas@utah.gov or by phone at 801-957-9305.

» MORE: Home insurance calculator: Estimate your rate

How we rate homeowners insurance

NerdWallet’s star ratings reward companies for consumer-first features and practices. We evaluate factors such as consumer experience, coverage, discounts and financial strength.

In our research, we analyzed:

View our complete homeowners insurance rating methodology.