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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 | ||
$2,605 | ||
Not available | ||
USAA* | $1,235 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
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Answer a few questions to see custom quotes and find the right policy for you.The best home insurance companies in Utah
Here's more information about the best homeowners insurance companies in Utah.
Amica
Well-established insurer known for great customer service.- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Simple online claims filing and tracking.
- You can start a quote online but have to finish the buying process by phone.
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
Auto-Owners offers plenty of ways to customize your policy and save money on home insurance.- Large number of discounts.
- Has optional specialty coverage not offered by many other insurers.
- Very few consumer complaints.
- No online quotes or claims submission.
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
Chubb
Perks and high coverage limits for affluent homeowners.- Significantly fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Large number of potential discounts.
- Most consumers aren't able to get a quote online and will instead need to contact a local agent.
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
USAA
Offers perks and affordable rates for the military community.- Policies include standard coverage that often costs extra elsewhere.
- Far fewer customer complaints to state regulators than expected for a company of its size.
- Rates are below the national average, according to NerdWallet’s analysis.
- Available only to active military members, veterans and their families.
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 |
|---|---|---|
$1,355 | ||
$1,390 | ||
Not available | ||
$2,395 | ||
$1,205 | ||
Not available | ||
$1,250 | ||
$835 |
How much does homeowners insurance cost in Utah?
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.
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 $1,440 per year, while homeowners in St. George pay $1,315 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
American Fork | $1,360 | $113 |
Bountiful | $1,355 | $113 |
Cedar City | $1,385 | $115 |
Clearfield | $1,450 | $121 |
Draper | $1,565 | $130 |
Eagle Mountain | $1,535 | $128 |
Herriman | $1,355 | $113 |
Kaysville | $1,440 | $120 |
Layton | $1,580 | $132 |
Lehi | $1,365 | $114 |
Logan | $1,415 | $118 |
Ogden | $1,365 | $114 |
Orem | $1,375 | $115 |
Pleasant Grove | $1,450 | $121 |
Provo | $1,350 | $113 |
Riverton | $1,375 | $115 |
Roy | $1,340 | $112 |
Salt Lake City | $1,440 | $120 |
Sandy | $1,400 | $117 |
South Jordan | $1,355 | $113 |
Spanish Fork | $1,375 | $115 |
St. George | $1,315 | $110 |
Tooele | $1,335 | $111 |
West Jordan | $1,370 | $114 |
West Valley City | $1,360 | $113 |
The cheapest home insurance in Utah
Here are the insurers we found with average annual rates below the Utah average of $1,385.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
$835 | ||
$1,205 | ||
$1,250 | ||
$1,355 | ||
USAA* | $1,235 | |
*USAA homeowners policies are available only to active military, veterans and their families. | ||
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.
To check your flood risk, start by looking up your address on the Federal Emergency Management Agency's flood maps. However, FEMA’s maps can be outdated and don’t always capture all types of flood risk. Another source to check is 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.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.- Looking for more insurance in Utah?
- Find home insurance in other states
Amanda Shapland contributed to this story.
Frequently asked questions
Is homeowners insurance required in Utah?
Is homeowners insurance required in Utah?
Homeowners insurance isn’t legally required in Utah, but your mortgage lender may require you to buy it. For more information, read Is Homeowners Insurance Required?
Does Utah home insurance cover earthquakes?
Does Utah home insurance cover earthquakes?
Earthquake insurance in Utah may be sold as a special endorsement added to your standard home insurance policy, or as a separate insurance policy. Your insurance agent can help you determine if it’s right for you.
How can I save money on home insurance in Utah?
How can I save money on home insurance in Utah?
There are several ways to save money on homeowners insurance in Utah:
Shop around to make sure you’re getting the best rate.
Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.
Bundle your home and auto insurance for a lower overall rate. See the best home and auto insurance bundles.
Ask your insurer if you qualify for any home insurance discounts.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in the 25 largest cities in each U.S. state by population. 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.
