Home Insurance in Utah

Homeowners Insurance in Utah

home insurance utahMany 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?

homeowners insurance utahTo 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.
Año Utah Average Homeowners Insurance Cost National Average Homeowners Insurance Cost
2019 $743 $1,272
2018 $730 $1,249
2017 $692 $1,211

Utah Homeowners Insurance Discounts

You can get a discount if you bundle your auto and home insurance policies with The Hartford. You can save up to 12% on auto insurance and up to 20% on homeowners insurance in Utah when you combinar el seguro.** Our customers save an average of $813 after bundling home and auto insurance.**

What Factors Affect Rates for Home Insurance in Utah?

Not all Utah home insurance policies cost the same because different factors determine the overall price of your homeowners premium, such as your:
  • Código postal
  • House size
  • Credit score
  • Claims history
Other factors that can affect home insurance rates include:
  • Your home’s age
  • Swimming pools
  • Custom homes
  • Running a home-based business out of the home

Utah Homeowners Insurance Quotes

Protecting your home is a top priority. That’s why working with a company who specializes in Utah home insurance policies is important. Not all home insurance companies in Utah are the same. And they don’t all offer the same coverages or discounts. At The Hartford, we’re the only homeowners insurance company endorsed by AARP.® We’re here to help get you exactly what you need – whether it’s finding the right coverage or filing a claim. Speak with one of our specialists today by calling 877-422-2345 o get your personalized quote online.
Última actualización: 3 de abril de 2024
2 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
3 Utah Insurance Department, “Purchase Flood Insurance Before Flood Season Starts”
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
§§ Se aplican términos y condiciones.
Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
Divulgaciones adicionales a continuación.
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.