Utah Homeowners Insurance Coverage

Whether you own an updated Victorian in Salt Lake or a five-bedroom ranch house outside Provo, with a Farmers Smart Plan Home® policy you can choose quality coverage for your Utah lifestyle today, with many ways to help you save.

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Is homeowners insurance required in Utah?

No, homeowners insurance is not required by law in Utah. However, in order to get a home loan, your mortgage lender will likely require you to obtain a certain amount of insurance coverage.

What does homeowners insurance cover in Utah?

Every policy is different, but home insurance policies in Utah typically come with several standard coverages.

  • Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as fire, wind, lightning or hail.

  • Other structures (Coverage B). This coverage is intended to help cover structures that aren’t connected to your home, like a fence or shed.

  • Personal property (Coverage C). This coverage helps you repair or replace your personal belongings if they are stolen or damaged.

  • Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else if your home is uninhabitable due to covered damage.

  • Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries you cause through negligence.

Typical home insurance policies in Utah cover damage caused by events such as:

  • Fire
  • Vandalism and theft
  • Lightning strikes
  • Wind
  • Hail
  • Explosions
  • Falling objects
  • The weight of snow or ice

Flooding, a common risk in parts of Utah, is not covered. However, special flood insurance through the National Flood Insurance Program (NFIP) may be available.

Home insurance coverage options in Utah

Farmers Smart Plan Home in Utah gives you three highly customizable packages as a starting point. Within each package, you have the flexibility to adjust coverage types and limits so your home is insured the way you want.

  • Standard — Reduced coverage for a reduced price
  • Enhanced — Higher coverage limits and extra features 
  • Premiere — Highest coverage limits and greatest choice of features

Learn more about Smart Plan Home coverage

How much does homeowners insurance generally cost in Utah?

The average premium for home insurance coverage in Utah is $764 per year1, according to a 2020 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). That’s less than the national average of $1,311 a year, according to same report. However, insurance costs in most states have changed since then. Also, the amount you pay may be different, depending on things like the value and age of your home, how much personal property you want to cover, what deductible you choose and risks specific to your area.

Utah home insurance discounts

Farmers® offers a variety of savings opportunities for eligible home insurance customers in Utah, including:

  • Multi-policy
  • Protective devices
  • Non-smoker

See more information and additional discounts that may be available in Ohio.

California Seagull

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Why is a California coastal bird the Beehive State’s official bird? It’s Utah’s way of thanking the flocks of migrating gulls that devoured a plague of crickets destroying crops back in 1848. — Birdfact

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Utah renters insurance

Renters insurance can help cover what your landlord’s insurance policy doesn’t, such as furniture, electronics and other personal belongings.

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Learn From Experience

Read real-life stories about insurance, renovations, home safety and more from pros and homeowners like you.

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Home Warranty vs. Home Insurance Difference

Any home you buy, old or new, will need repairs at some point. For this reason, you can buy home warranties and home insurance. But they can help in very different ways. 

1 Based on average premium for HO-3 type open perils homeowners policies.