Best Homeowners Insurance In Utah For 2025
State Farm offers the best homeowners insurance in Utah for affordability, coverage, and customer satisfaction.
We’ve saved shoppers an average of $450 per year on their home insurance.
Utah’s unique blend of mountain ranges, desert valleys, and booming urban centers makes it a beautiful — but risky — place to own a home. Homeowners in the Beehive State must navigate threats like wildfires in dry summer months, snow and ice damage in winter, and occasional flooding from rapid snowmelt. As these risks increase, so does the importance of choosing a reliable insurer.
In this guide, we compare the best home insurance companies in Utah, based on factors like affordability, claims satisfaction, coverage options, and customer reviews. Whether you’re in Salt Lake City or nestled in the mountains of Park City, this guide will help you confidently choose the right provider for your home.
Best Homeowners Insurance In Utah, 2025
Compare The Best Homeowners Insurance Companies In Utah
| Overall Rating | Best For | A.M Best Rating | J.D Power Rating | Online Experience | Get A Quote | |
|---|---|---|---|---|---|---|
| Chubb |
|
High-Value Homes
|
A++
|
809
|
7/10
|
Instant Quote |
| Farmers |
|
Bundling Auto + Home |
A
|
792
|
9/10
|
Instant Quote |
| State Farm |
|
Best Overall
|
A++
|
829
|
9/10
|
Instant Quote |
| Allstate |
|
Policy Discounts |
A+
|
816
|
9/10
|
Instant Quote |
| Lemonade |
|
Online-Only Experience
|
A (reinsured) |
870 (est.) |
10/10
|
Instant Quote |
Best Homeowners Insurance Companies In Utah 2025
Best Overall
Key Statistics
Why We Like Them
⇅State Farm remains the top pick in Utah due to its financial strength, wide network of agents, and robust coverage options. With consistently high customer satisfaction scores and the best available AM Best rating (A++), State Farm offers security and responsiveness — especially during Utah’s wildfire season or winter storms.
Policyholders can customize their plans with add-ons like earthquake coverage, identity restoration, and replacement cost for personal property. The State Farm mobile app also makes claims and billing simple.
Benefits & Drawbacks
⇅- Excellent financial strength and claims support
- Large network of local agents in Utah
- Highly customizable policies ✓
- Must work through an agent to purchase a policy ✘
Best for Policy Discounts
Key Statistics
Why We Like Them
⇅Allstate offers one of the widest arrays of discounts in the state — from new home and claim-free bonuses to automatic payments and early signing incentives. Utah homeowners can stack savings easily.
They also provide innovative optional coverage like yard & garden protection, green improvement reimbursement, and identity theft restoration.
Benefits & Drawbacks
⇅- 10+ discount opportunities
- User-friendly website and quote tool
- Solid customer service ratings ✓
- Slightly higher base premiums compared to some competitors ✘
Best for Digital Experience
Key Statistics
Why We Like Them
⇅Lemonade is ideal for tech-savvy homeowners looking for quick quotes, instant coverage, and AI-powered claims handling. The digital-only insurer stands out with transparent pricing and a user-friendly app.
While Lemonade is not for everyone — particularly those wanting agent support — it’s excellent for first-time buyers or minimalists living in condos or smaller homes.
Benefits & Drawbacks
⇅- Fast online quotes and claims
- Low base premiums
- Socially conscious giveback program ✓
- Limited support for complex needs or high-value homes ✘
Best for High-Value Homes
Key Statistics
Why We Like Them
⇅Chubb excels in insuring luxury properties and offering white-glove customer service. Utah homeowners with vacation homes in Park City or multi-million-dollar properties will appreciate its extended replacement cost, risk consulting, and high liability limits.
Chubb is less price-competitive, but delivers peace of mind and tailored service.
Benefits & Drawbacks
⇅- Ideal for homes over $1M in value
- Superior customer service
- Generous policy limits ✓
- Premiums are higher than average
- Limited availability for standard homes ✘
Best for Bundling Options
Key Statistics
Why We Like Them
⇅Farmers offers strong bundling discounts for homeowners who also need auto, life, or umbrella insurance. Their policy perks — including claim forgiveness and declining deductibles — reward loyal, responsible homeowners.
They also have a broad agent network across Utah, from Ogden to Provo.
Benefits & Drawbacks
⇅- Multiple discounts for bundling
- Generous policy perks
- Good online tools and support ✓
- Customer service ratings are slightly below average ✘
How Much Is Homeowners Insurance In Utah?
The average cost of homeowners insurance in Utah is $1,172 per year for $250,000 in dwelling coverage — well below the national average of $1,428.
Utah’s relatively low risk of hurricanes and manageable property values help keep premiums affordable, though wildfire and snow-related risks are on the rise.
Cheapest Cities For Homeowners Insurance In Utah
Smaller cities and those outside wildfire-prone areas tend to have lower premiums.
| City | Annual Rate |
| Logan | $895 |
| Ogden | $942 |
| Layton | $978 |
| Tooele | $1,003 |
| Brigham City | $1,014 |
Most Expensive Cities For Homeowners Insurance In Utah
Urban density and wildfire risk contribute to higher rates in the following areas:
| City | Highest Rate |
| Park City | $1,515 |
| Moab | $1,487 |
| St. George | $1,462 |
| Draper | $1,422 |
| Sandy | $1,403 |
Average Cost Of Homeowners Insurance In Utah By Deductible
| Deductible | Avg. Annual Premium |
| $500 | $1,321 |
| $1,000 | $1,172 |
| $1,500 | $1,096 |
| $2,000 | $1,042 |
| $5,000 | $934 |
Why Wildfire Risk Is A Growing Concern In Utah
Once considered a low-risk state, Utah is now seeing more frequent and intense wildfires. Factors like extended drought, population growth near wildland areas, and hotter summers have increased the fire threat in counties like Summit, Utah, and Washington.
Insurers now use wildfire risk scoring tools to assess homes. Properties flagged as high-risk may face higher premiums or limited coverage availability. Some companies may also require defensible space landscaping or fire-resistant building materials.
Homeowners in risk-prone areas should ask insurers if wildfire mitigation efforts can earn discounts.
Factors That Impact The Cost Of Your Home Insurance Policy In Utah
- Location: Homes near canyons or foothills may cost more to insure due to wildfire and snow runoff risks.
- Home Age and Construction: Older homes or those with outdated wiring, plumbing, or roofs often see higher premiums.
- Claims History: A clean claims record can earn you discounts, while prior losses raise your rate.
- Replacement Cost vs. Market Value: Insurance covers the cost to rebuild — not sell — your home. Higher rebuild costs equal higher premiums.
- Credit Score: Utah insurers are legally allowed to use credit as a rating factor. Higher scores generally mean lower rates.
Find Home Insurance In Utah
How To Choose A Home Insurance Provider In Utah
Assess Your Risk: Are you near a wildfire zone? Do you need extra coverage for snow damage or landslides?
Compare Quotes: Get at least 3 quotes from top-rated companies and look beyond price.
Review Financial Strength: Choose insurers with strong AM Best ratings (A or higher).
Read Customer Reviews: See how companies treat customers during the claims process — the true test of value.
Look for Local Support: Some insurers offer better service through local agents who know Utah’s specific risks.
Home Insurance Discounts In Utah
- Bundle Discount: Save up to 25% by combining auto and home insurance.
- New Home Discount: Recently built homes qualify for lower rates due to updated safety features.
- Claim-Free Discount: A clean history can reduce your premium over time.
- Security & Smart Devices: Installing burglar alarms, water leak detectors, or smart thermostats can qualify you for discounts.
- Early Signing & AutoPay: You can save just by signing up early and enrolling in automatic billing.
Our Methodology
Our analysis of the top Utah home insurance providers was grounded in financial strength ratings from AM Best, customer satisfaction data from J.D. Power, consumer reviews, and the author's experience.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Is home insurance more expensive in Utah?
While not required by law, most mortgage lenders require home insurance as part of your loan agreement.
What does homeowners insurance cover in Utah?
Most policies include dwelling protection, personal belongings, liability coverage, and additional living expenses. Optional add-ons include earthquake or flood coverage.
Can I get wildfire coverage in Utah?
Yes, but coverage may be limited in high-risk zones. Ask your insurer about wildfire scoring and mitigation discounts.
Sources
⇅Home Insurance In Your State
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