The 3 Best Utah Homeowners Insurance Companies

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Luckily for Utah residents, homeowners insurance premiums in the state are among the lowest in the country, at an average of $642 annually, according to Insurance.com. That is 48 percent lower than the national average. A temperate mountainous climate that poses lower risk for natural disasters keeps rates low, but this doesn’t mean residents of the Beehive State don’t experience their fair share of problems.

To ensure that you buy a homeowners insurance policy that will provide a hedge against disaster without you overpaying, shop around and compare different policies. We’ve outlined our picks for the top affordable Utah homeowners insurance companies and included an online quote tool so that you can easily get started.

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Our Top Picks for Best Homeowners Insurance in Utah

American National

American National was founded in 1905 and offers homeowners insurance because “your roof doesn’t cover everything.” It holds an “A” financial strength rating from both A.M. Best and Standard & Poor’s.

American National’s standard homeowners insurance policy is comprehensive and offers features that typically cost extra from other providers. An American National policy covers your personal belongings at their full replacement cost in a covered loss, and major home systems, including central air conditioning, boilers, backup generators and solar heaters. In the event of any underground damage to pipes or wiring on your property, you can take advantage of the service line coverage that is included as part of the standard policy.

Although American National doesn’t offer many of the discount options available from other providers, its cash-back rewards program can yield thousands of dollars in savings. If you purchase both auto and home policies and remain claim-free for three years, the company will send you a check for 25 percent of your first year’s annual premium, along with one every year that you remain claim-free. If you’re paying the state average of roughly $650 a year for homeowners insurance, combined with another $700 for auto insurance, American National will send you a check for almost $340 every year after the first three.

If you have homeowners, auto and life insurance with American National, you’ll qualify for its Three Line Discount, which gets you 10 percent off your annual auto and homeowners premiums.

Bear River Mutual

Founded in 1909, Bear River Mutual is the largest Utah-based insurance company and insures only Utah homes. As a mutual insurance company, Bear River is owned by policyholders. The company employs an extensive network of independent agents who understand the specific needs of the local communities they serve and can craft the right combination of insurance products to ensure the safety of your Utah home.

Bear River Mutual offers policies to protect your primary and secondary residences and personal liability coverage, with additional coverage options for earthquake protection. Bear River Mutual also extends special coverage for condominiums, twin homes and townhomes.

While Bear River Mutual does not have as many technologically advanced resources as some of its national competitors, the company provides solid coverage for Utah homeowners at some of the lowest premium prices in the market. Contact an independent Bear River Mutual agent for more information on discount eligibility and creating a policy that works for your home and your budget.

Allstate

A broad range of policy options and available discounts, as well as an extensive online resource center make Allstate one of the best options for homeowners insurance in Utah.

Allstate offers policies for just about every type of standard dwelling, along with customizable add-on coverage options. With Allstate, you can choose to increase protection on things that matter to you most, be it musical instruments, sports equipment, your home office or electronic data.

Allstate works to save you money on an already affordable policy by extending a host of premium discounts. You can receive up to 30 percent for bundling policies, 20 percent for remaining claim-free, 15 percent for installing protective devices, 10 percent for being a new customer, 5 percent for signing up for electronic payments, and more.

The comprehensive online resource center on the Allstate website offers articles, checklists and videos to educate and answer any questions you may have regarding homeowners insurance. Exclusive tools from Allstate help you manage your policy and ease the claims process in the event of an emergency. Allstate’s Premium Gauge tool lets you see how different variables, such as the age of your home or installing a smoke alarm, affect the annual price of your premium. Allstate helps you upload pictures and create an up-to-date inventory of your covered possessions so you can remove the guesswork when filing a claim.

Allstate also has a solid track record with an “A+” score from the Better Business Bureau.

How much is homeowners insurance in Utah?

The average cost of homeowners insurance in Utah is $642 per year. That’s $586 less than the national annual average of $1,228. Keep in mind that your rate will vary based on the city you live in and other factors, like those below. The best way to find out what you’ll pay is to get a quote from an insurance company.

Utah Rate Factors

Utah homeowners pay 48 percent less than the national average for homeowners insurance because the Beehive State isn’t prone to natural disasters such as tornadoes and hurricanes. Floods, landslides, earthquakes and wildfires are threats that could affect your insurance rates, depending on how close you live to dangers zones for those risks. Factors like the age of your home and the crime rate in your neighborhood can also affect how much you’ll pay.

The 3 Best Utah Homeowners Insurance Companies

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Check out the Utah State Department of Insurance for more information on insuring your Utah home. You can also visit our complete guide to home insurance and our list of the best national home insurers to learn how homeowners insurance works and how to shop for — and save on — your insurance policy.