Property insurance in Utah covers your home and most of your belongings. Insurance providers will typically combine home insurance with liability insurance which pays for property damage and injuries caused by family members and pets. Property insurance will also cover temporary living expenses when a natural disaster requires you to live away from home.

UT homeowners insurance also covers most natural disasters like fire, hail and lightning. A standard homeowner’s insurance policy may specify other perils although earthquakes and floods will need to be insured by individual policies. Property insurance in Utah will not cover losses caused by poor maintenance.

Three key factors affect the cost of Utah property insurance coverage:

1. The specific location of the property can require additional insurance that is dictated by geography. For example, property insurance companies in Utah may need to include separate protection against flash floods.
2. The premium charged by property insurance in UT. This most commonly refers to an alarm system.
3. Home insurance should allow you to replace detached structures in addition to rebuilding your house. These structures are typically covered up to a fixed percentage of the value of the house.

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of Utah homeowner insurance plans

Multiple quotes from different sources can be an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: Insurance.com finds quotes by zip code and represents the largest carriers of homeowners insurance. Most Choice specializes in property insurance and allows you to search for quotes by zip code.

Find UT property insurance brokers who represent major carriers

You may want to obtain Utah homeowners insurance through an agent who represents a major carrier in the state and can make a recommendation based on the specific needs of your situation. An agent will also handle much of the paperwork required by an insurance carrier.

I recommend: Liberty Mutual has the capability to locate agents in your area and is part of the top 20 property and casualty insurance groups in the United States. Go to Allstate and search for a list of agents in a given location. This web site also allows agents to be searched for by name.

Get a UT property insurance policy from a local agent

You may wish to contact local independent homeowners insurance in Utah providers rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you.

I recommend: The Kenny Reay Agency is in Provo and sells home, auto and business insurance to Utah residents. Central Utah Insurance represents many property insurance companies in Utah.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Expensive items like furs, jewelry and silverware are typically only covered up to a fixed amount by Utah property insurance. A special property endorsement will be needed to replace these items if their value is not covered by the primary policy. These items will be covered if they are lost or stolen.