The Best and Cheapest Home Insurance Companies in Utah

Utah's home insurance rates average $897 per year. However, cost is only one of the many factors that determine the best home insurance for you. We collected thousands of quotes from hundreds of ZIP codes from Utah's top home insurance companies to analyze how they compare in terms of cost, customer satisfaction and coverage.

Best cheap home insurance in Utah

Cheapest home insurance rates in Utah

The average rate for home insurance in Utah is $897 annually. This is around 40% cheaper than the national average of $1,516. Utah is one of the cheapest states in the country for home insurance.

Best home insurance overall: Farmers Insurance

Farmers is the best choice for most homeowners in Utah with its affordable quotes, wide variety of coverage options and robust online tools. The average price for home insurance from Farmers is $600 per year, which is a 33% savings from the average rate statewide.

Farmers has an impressive standard coverage package, with even basic policies including free replacement cost coverage, which covers the full cost of replacing your items with new items instead of used ones. While the base coverage is strong, Farmers offers very little customization outside of its three main tiers of coverage.

Even with affordable base rates, Farmers offers many discounts for you to lower the cost of your policy even more. You can save if you:

Farmers does offer separate policies for flood and earthquake protection, which could be especially helpful for Utah homeowners living in flood zones.

Farmers also has great customer satisfaction ratings, receiving about half as many complaints as average companies its size.

Best customer satisfaction: Farm Bureau

Farm Bureau offers the best customer service for homeowners in Utah, with few customer complaints and great online tools for easy payment and claim filing.

Farm Bureau's policies cost an average of $700 per year, which is 22% cheaper than the state average. This is one of the cheapest prices in the state, but the company offers very limited additional discounts.

Farm Bureau has standard coverage, along with add-ons like a separate earthquake and flood insurance policy or umbrella coverage to add extra protection.

Farm Bureau has the highest customer satisfaction rating in Utah, receiving only 60% of the complaints of similar companies. Along with this, Farm Bureau assigns you an agent to handle all your policies and guide you through any claims or questions.

Best for military families: USAA

Members of the military and their families should consider USAA. While USAA doesn't have the most affordable rates for Utah homeowners, with rates 51% more expensive than the state average, USAA's exceptional customer service and military-specific coverage still make it worth considering for people in the armed forces and their families.

USAA has good standard coverages, with basic policies including full replacement cost coverage. That covers the full replacement value for your belongings without depreciation. USAA also has many military-specific benefits like protecting your belongings worldwide, including in war zones. The company also covers military uniforms and equipment, so you don't need to pay a deductible if your work gear is damaged on duty.

Unfortunately, USAA does have strict eligibility requirements and is only available to active or former military personnel and their immediate families.

Utah home insurance rates by city

Salt Lake City, the biggest city in Utah, has an average cost of $881 per year for home insurance, slightly cheaper than Utah's state average. The second-largest city, West Valley City, has an average rate of $862 per year, 4% cheaper than the state average.

Best home insurance companies in Utah

Farm Bureau and USAA both get very few customer complaints on average, which means that homeowners are typically happy with their service. Auto-Owners and State Farm also have strong customer ratings in the state.

Common home insurance perils in Utah: Flooding, earthquakes and wildfires

Because of Utah's location near the Rocky Mountains and Colorado River, Utah homes are susceptible to flooding, earthquakes and wildfires, depending on where they are in the state. While some damage from natural disasters is covered by standard home insurance, you'll need a separate flood insurance policy to cover flood damage.

Flooding

Flooding and flash flooding were responsible for nearly $22 million of property damage in 2021 across Utah, according to the National Oceanic and Atmospheric Administration.

If your home has a high risk of flooding, you should consider getting a separate flood insurance policy, either from a private insurance company or from the National Flood Insurance Program (NFIP).

The main differences between the two are that NFIP policies are available to every homeowner in the country, regardless of how likely their home is to flood; however, NFIP policies have strict coverage limits, typically $250,000, and have waiting periods. A policy from a private home insurer often has more flexibility when it comes to coverage limits and waiting periods, but private companies have the option to deny you coverage.

Earthquakes

Large earthquakes are not particularly common in Utah, but they do happen, especially along the Wasatch Fault around Salt Lake City. And like flood damage, damage to your home from an earthquake is usually not covered by a standard homeowners insurance policy. This exception also applies to other forms of "earth movement" like landslides or rockslides.

If your home is at risk of damage from an earthquake or other kind of earth movement, it's worth looking into a special earthquake endorsement or stand-alone earthquake insurance policy.

Wildfires

As one of the nation's driest states, Utah is highly susceptible to wildfires. Homeowners whose properties are vulnerable to wildfire damage should take all the steps they can to protect their homes:

The good news is wildfires are covered by home insurance. So if your home is damaged by a wildfire, you'll be able to make a claim to pay to repair or replace your property. Just make sure that you're carrying a high enough policy limit to completely rebuild your home, in case the worst happens.

Frequently asked questions

Methodology

To find the best home insurance in Utah, we collected quotes from the top home insurance companies in the state. We compared quotes from these companies for a home built in 1988 with a value of $279,100, the median value of occupied homes in Utah.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Home insurance ratings are based on complaint data from the National Association of Insurance Commissioners (NAIC), the J.D. Power customer satisfaction survey, as well as ValuePenguin's ratings from the editorial staff.