If you’ve watched Netflix’s newest home makeover hit Dream Home Makeover, you know just how important (and pricey) the right home can be. From picking the right countertops and perfect color palette to the final decor touches, putting together a beautiful home takes a lot of work. While Dream Home Makeover films in the great state of Utah, the show stops short when it comes to getting these dream homeowners proper home insurance in Utah. And we get it. Who wants to talk about home insurance when they’re touring their brand new home?

But after the dust has settled, no matter if you’re buying a professionally decorated home or going the DIY route, home insurance is a must. Residents will be happy to know that getting a policy in their home state is pretty straightforward (and cheap). Perhaps that’s why Utah is rated one of the happiest states? Keep reading for all the information you need to make a smarter home insurance decision in the Beehive State.

How much is homeowners insurance in Utah?

Illustration of three houses with green doors and smoke coming out of the chimney of one

The average home insurance policy costs $778 in Utah, or about the cost of 10 tickets to see the Jazz shoot three-pointers in person. If you’re looking for a place to save, Utah is an excellent option as it’s the second least expensive state for home insurance in the entire country (the least expensive state is Oregon).

The average home insurance policy costs $778 in Utah, or about the cost of 10 tickets to see the Jazz shoot three-pointers in person.

What factors influence my home insurance rate?

What makes Utah so cost-effective? Well, the reason home insurance in Utah is less than half the cost of home insurance in states like Colorado and Texas is because of the minimal risk of natural disasters in the area. Though severe weather is uncommon, you can expect to pay more for home insurance if you live in a high-risk area or have an older home.

Utah Home Insurance Premiums

What does Utah home insurance cover?

Though Utah is said to be covered in the “best powder on earth” — its snow is lighter and drier than what’s found anywhere else — Utah follows suit with the rest of the country regarding what home insurance actually covers. When buying a policy in the Beehive State, you can expect your dwelling, property and liability to be covered.

If you have a lot of electronics or other valuables, or maybe you just want to be protected if a severe storm comes your way, you can add more protection to your policy through insurance riders. Options like scheduled personal property, additional insured and service line riders are all great options to consider. To learn more about this process, check out our guide to buying home insurance coverage.

Utah Insurance Coverage Options

Traditional coverage


Supplemental coverage


Tips for lowering home insurance rates

Even though Utah’s average home insurance premium is relatively low, that doesn’t mean that Utah residents don’t deserve to save an extra buck or two.

And while you can meal prep Utah-native Chrissy Teigen’s famous recipes to save some cash, you can also make changes to your home to see that premium total drop.

You can install smart home devices, winterize your home and get your HVAC and plumbing systems regularly serviced to save more.

Another easy way to lower your home insurance rate is to shop around for policies and change home insurance providers every few years if you aren’t getting the best rate with your current provider. 

Home insurance resources for Utah

No matter where you are in Utah, you’re never far away from a national forest. In fact, Utah is the only state in the country to have a national forest in every county. Similarly, Utah residents are never far from home insurance resources as the Utah Insurance Department (and Hippo) is available to help out residents from St. George to Logan and everywhere in between.

However, it’s important to note that Utah doesn’t offer a Fair Access to Insurance Requirements Plan. So if you’re suddenly dropped from your policy due to a recent inspection or a long string of claims, it’s crucial to start shopping for new coverage as soon as possible. Otherwise, you could risk getting put on a force-placed insurance policy.

National Flood Insurance Program

While Utah cities are more likely to flood from winter runoff than severe storms, getting your home, Cravings cookware set and Jazz gear protected from floodwaters is always a good idea. Luckily, getting flood insurance is as easy as calling your current provider. While individual insurance companies don’t offer flood coverage themselves, the federal government (through the NFIP) allows you to purchase it through your current provider.

With so many trails to explore in Salt Lake City and beyond, it’s no surprise that residents don’t want to spend their precious time figuring out what home insurance they need. That’s why we simplified the process, offering comprehensive home insurance quotes in as little as 60 seconds. This way, you can get back to doing what keeps you in Utah in the first place and leave the protection of your home to the experts.

You Deserve Smarter Home Insurance

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