Best & Cheapest Renters Insurance In Utah For 2025

Over 30% of households in Utah are renters, a number that has significantly increased since 2010. As more people are renting, more people are looking for the best and cheapest renters insurance in Utah.

There are many factors that influence renters insurance prices but the two biggest factors in Utah hinge on location: your risk of natural disasters or theft. The two biggest natural disaster risks in Utah are earthquakes and floods both of which require additional endorsements or policies to protect your personal belongings.

The average cost of renters insurance in Utah is approximately $216 per year or about $18 per month. This makes it an affordable way to protect your personal belongings and liability.

Having had over 15 years of experience as a licensed property and casualty agent, I’ve helped many clients find the right renters insurance to suit their needs and budget. This deep industry knowledge allows me to provide insights that save you time and money while making sure you have the right coverage.

Cheapest Renters Insurance Companies In Utah

AAA and Nationwide are the cheapest renters insurance companies in Utah. AAA costs an average of $9 per month, while Nationwide costs around $12.

Best Renters Insurance Companies In Utah 2025

Auto-Owners is the best renters insurance company in Utah, with average monthly premiums of $20.

Use the table below to view the best renters insurance companies in Utah, and their average rates.

How Much Is Renters Insurance In Utah?

The average cost of renters insurance in Utah is typically around $18 per month or about $216 annually. However, the exact cost can vary significantly depending on several factors. These include the location of the rental property, the value of your personal belongings, the coverage limits, and any additional coverage options you may choose.

Average Utah Renters Insurance Costs – By City

Where you live in Utah can have a significant impact on the cost of renters insurance.

Here’s a table showing the average cost of renters insurance in 10 major cities in Utah:

What Factors Affect The Price Of Renters Insurance In Utah?

Several factors influence the cost of renters insurance in Utah. Understanding these can help you manage your premium:

• Location: Given the terrain of Utah, your premiums can be affected by location, in particular risk of floods as designated by flood zone maps, or location along fault lines where there’s a higher risk of earthquakes.
• Crime: There are higher premiums for urban theft hotspots, particularly in major cities like Salt Lake City.
• Value of Personal Belongings: The more valuable your possessions, the higher your coverage limits and premiums.
• Deductible: A higher deductible can lower your monthly premium but increase out-of-pocket costs.
• Claim History: A history of claims may increase your rates.
• Rental Property Type: Apartments may cost less to insure than houses.
• Safety Features: Smoke detectors, security systems, and deadbolts may lower premiums.

Is Renters Insurance Required In Utah?

No, the Utah Insurance Department does not require that renters maintain renters insurance. However, landlords can include renters insurance as a condition of the lease as a way to protect both the tenant and the property owner.

For tenants, having renters insurance is a wise decision, even if it’s not required by law. It helps safeguard personal property, which may be costly to replace out-of-pocket. Furthermore, renters insurance may provide coverage for temporary living expenses if the rental unit becomes uninhabitable due to a covered event.

While not mandatory, renters insurance can provide peace of mind and financial protection. It’s important to review the lease agreement and check with the landlord to see if it’s a requirement, as failure to comply could result in penalties or lease termination.

Common Renters Insurance Discounts In Utah

Renters insurance providers in Utah offer various discounts that can reduce your premiums:

• Bundling Policies: Combining auto and renters insurance with the same company can lead to savings.
• Security Features: Installing security systems or smoke alarms can result in discounts.
• Claim-Free Discounts: If you haven’t filed claims in several years, you may qualify for lower rates.
• Property Age: Newer, well-maintained homes may qualify for discounts.
• Loyalty Discounts: Long-term customers may receive reduced rates over time.

Common Renters Insurance Claims In Utah

The most common renters insurance claims in Utah include damage from natural disasters, such as earthquake damage, floods, fire damage, and mudslides. In urban areas and neighborhoods with higher crime rates, the most common claims have to do with theft or vandalism.

Larger apartment buildings and those heavily populated areas outside of major universities report claims for things like fire and smoke damage as well as water from burst pipes or appliance malfunctions.

Does Renters Insurance In Utah Cover Wildfires?

The dry conditions and vegetation mixed with drought across Utah places homes at high risk, particularly from wildfires. A standard renters insurance policy does cover fire and smoke damage to personal property and the rental unit itself. If a fire destroys belongings or causes damage to the apartment or house you’re renting, your renters insurance policy will typically cover the cost of repairs or replacement. This includes damage from smoke, heat, and soot.

Renters insurance also provides liability coverage if the fire spreads and causes damage to neighboring units. It’s important to keep an updated inventory of belongings to ensure adequate coverage.

Does Renters Insurance In Utah Cover Earthquakes?

Earthquakes are among the most common natural disasters in Utah. In Utah earthquakes that strike with very little warning followed by aftershocks that in many cases are larger than the initial earthquake.

Unfortunately, earthquake damage is typically not covered under a renter’s insurance policy. You will need a separate earthquake policy to protect your personal property.

Does Renters Insurance In Utah Cover Flooding?

Renters insurance in Utah does not cover flooding caused by heavy rains, storm surges, or rising water. In Utah flash floods are very common, as is stream bank flooding, overbank flooding, mudslides, and post-fire flooding.

Flooding is one of the most common claims in the state and you can determine your level of flood risk by looking at floodplain maps provided by the state.

Flooding is considered a separate peril, and standard renters policies exclude this type of damage. To protect against flooding, renters in Utah must purchase separate flood insurance through the National Flood Insurance Program (NFIP) or private insurers.

Flood insurance will cover damage to personal property and the structure of the rental unit caused by rising water, ensuring comprehensive coverage in flood-prone areas.

Does Renters Insurance In Utah Cover Mudslides?

Given the terrain of Utah, mudslides are a common occurrence after flood events, a risk that is exacerbated during times of severe drought followed by flash floods. However, a standard insurance policy for renters does not cover any damage caused by mudslides.

Mudslides are considered an earth movement just like earthquakes and these are excluded from your coverage. You can, however, protect your personal belongings by adding a specific endorsement or purchasing a separate policy for earth movements that include mudslides and landslides.

Does Renters Insurance In Utah Cover Wind Damage?

Yes, renters insurance in Utah generally covers wind damage caused by events such as windstorms and hail. Wind-related damage to personal belongings, such as furniture, electronics, and clothing, is usually covered under a standard renters policy.

However, Utah policies might have limits or exclusions against wind caused by specific perils or events. It’s important to review your policy to confirm that wind damage is included and to consider additional coverage if necessary for extreme weather events.

What Does Renters Insurance Cover In Utah?

Renters insurance provides essential protection for your belongings and liability, offering financial security in the event of unexpected incidents. Understanding what is covered under a renters insurance policy helps you make informed decisions about your coverage needs. Below, we break down the key components of renters insurance coverage.

Personal Property Coverage

Renters insurance typically covers personal belongings, such as furniture, clothing, electronics, and appliances, in the event of theft, fire, vandalism, or other covered disasters. It helps you replace or repair your possessions up to the policy’s coverage limit.

Liability Coverage

Liability protection is an essential part of renters insurance. It covers legal expenses and medical costs if someone is injured while on your property. For example, if a guest slips and falls in your home, liability coverage can help pay for their medical bills and any legal fees if you are sued.

Additional Living Expenses

If your rental becomes uninhabitable due to a covered incident, such as a fire or storm, renters insurance can cover additional living expenses. This includes the cost of temporary housing, meals, and other expenses while your home is being repaired or replaced.

Medical Payments To Others

This coverage provides small, no-fault medical payments if someone is injured on your property, regardless of who is at fault. It helps cover minor medical expenses without the need for a lawsuit or liability claim.

Earthquake Insurance

One of the biggest natural disaster risks throughout Utah is that of earthquakes. Earthquakes are not typically covered under a standard renters insurance policy so you will need to purchase a separate endorsement for earthquake coverage through your insurance provider or a separate earthquake policy in order to protect your personal belongings. Any earthquake insurance product owned by your landlord does not extend to your personal belongings as a renter.

Flood Insurance

Floods are the second biggest natural disaster risk throughout Utah and are also excluded from a standard insurance policy. However, you can purchase separate flood insurance to protect your personal property.

Loss Of Use Coverage

If you cannot use your rental due to a covered event, loss of use coverage can help with extra costs such as hotel stays and transportation.

Find Renters Insurance In Other U.S. States