Homeowners Insurance in Utah
Many people don’t realize just how beautiful Utah is – or how much there is to see and do. But with picturesque mountain views, five national parks, countless trails and amazing city life, calling Utah home is a privilege.
However, you know that living in “The Beehive State” means suffering through hot summers and freezing winters. And with these extreme climate changes, the risk of property damage to your home is higher. That’s why when it comes to homeowners insurance, Utah residents should make sure they have the best protection. The AARP Homeowners Insurance Program from The Hartford1 offers complete coverage and competitive plans for Utah homeowners insurance.
No matter where you live in UT – whether it’s Salt Lake City, West Valley City, Provo, St. George, West Jordan or anywhere else in the state,
seguro de viviendas will help protect your property.
What Does Homeowners Insurance in Utah Cover?
To help protect your property from covered damages, your Utah home insurance plan comes with these standard coverages:
- La cobertura de propiedad personal, which helps cover your costs to fix or replace damaged or destroyed belongings.
- La cobertura de vivienda to help protect your home and the structures attached to it, such as your plumbing system, walls and roof.
- Other structures coverage to help protect your property that’s not attached to your home, such as a shed, garage or fence.
- La cobertura por responsabilidad civil for claims alleging you’re responsible for someone else’s injury or property damage.
- Loss of use coverage to help pay for your living expenses if you’re temporarily unable to live in your home after it’s damaged.
- Medical payments coverage, which helps pay for someone else’s treatment costs if they get hurt on your property up to policy limits.2
Additional Coverage Options for Homeowners Insurance in Utah
We make it easy for you to customize your homeowners insurance policy. Utah residents can add the following additional homeowners insurance coverages to their policy for increased protection:
- Personal injury liability coverage to help cover damages from a libel or slander claim.
- “New for Old” Protection,‡ which helps replace your destroyed belongings with new ones of the same quality.
- Reimbursement for replacing locks if your keys get lost or stolen. This coverage pays up to $500 to replace locks, with a $100 deductible.
- Identity fraud expense coverage, which reimburses you for out-of-pocket expenses up to certain limits to help you recover after fraud or identity theft. See your policy for specific limits.
- Disappearing Property Deductible,‡‡ which reduces your deductible every year when you go three consecutive years without having an insurance loss.
Some other coverage options you can add to your policy are:
- Equipment breakdown coverage to help cover your repair or replacement costs if your appliances or electronics break down. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind that this does not include normal wear and tear.5
- Valuable items blanket for extra protection on certain valuables. For instance, if your insured jewelry gets stolen, this coverage can help cover the costs to replace it.
Be sure your home is properly protected by reviewing your homeowners policy and adding the coverages you need. Remember that flooding, earthquakes and mudslides aren’t covered in your standard homeowners insurance policy, so to stay protected from these incidents, you’ll need to get the appropriate coverages.
Common Claims for Home Insurance in Utah
Utah’s unpredictable weather can bring some unwanted results. From severe snowstorms to heavy winds or even avalanches, it’s important to have Utah homeowners insurance that will keep your property protected. Having good insurance coverage starts by knowing what you need. For example, in the spring, Utah homes can face serious flooding damage from melting snow.
3 So, even though most Utah home insurance plans don’t include
seguro contra inundaciones in their standard policies, it’s always a good idea to get this coverage. Without it, you’ll have to pay the replacement cost for your destroyed property completely out of pocket.
With Utah homeowners insurance from The Hartford, you can have peace of mind no matter what the weather brings. Our specialists know what Utah homeowners want for their home insurance coverage and are here to help get you the plan you need at an affordable rate. And if your home suffers damage, they’ll help make the claims process as easy as possible.
What Does Homeowners Insurance in Utah Cost?
The cost of homeowners insurance coverage can vary by state, but Utah has been one of the cheapest in the country. In fact, as of 2019, The Insurance Information Institute recorded UT with the second lowest average prices throughout the U.S.