Best Homeowners Insurance in Utah 2022

Betty Q. Hixson

Homeownership is a massive commitment and choosing the best homeowners insurance policy has the power to financially protect you and your home in the event of things like theft, fire, or storm damage. We’ve rated the best homeowners insurance companies in Utah to help you choose the best company for your needs.

(AntonioGuillem)

USAA  »

USAA

Caters to Military Families

AM best rating
A++

Online Tools
Online Estimate

Multi Policy Discount Available

Bundling Discount
Up to 10%

USAA: USAA earns a score of 4.3 out of 5 in our rating of the Best Homeowners Insurance Companies in Utah and reserves membership to veterans, military members, and their immediate family members. A standard policy with USAA includes coverage for your home, personal belongings, liability, loss of use, and identity theft. The inclusion of coverage for identity theft is worth pointing out because for most companies it is only available as optional coverage for an additional fee. USAA offers multipolicy, claim-free, and loyalty discounts for homeowners.

Amica  »

Amica

Offers Dividend-Paying Policies

AM best rating
A+

Online Tools
Online Estimate

Multi Policy Discount Available

Amica: Amica’s standard homeowners policy provides coverage for your dwelling, other structures on your property, such as a shed or fence, and personal belongings as well as loss of use and personal liability coverage. There are several options for additional coverage for homeowners insurance coverage, including identity theft, water backup and sump overflow, and special computer coverage. Additional policy discounts include multipolicy bundles, discounts for signing up to view and pay bills electronically, and alarm systems installations.

Amica offers policies that provide dividends based on your annual premium where you pay more upfront, but on average, a 5% to 20% portion is returned to you.

Allstate  »

Allstate

Offers Extensive Coverage Options

AM best rating
A+

Online Tools
Online Estimate

Multi Policy Discount Available

Bundling Discount
Up to 25%

Allstate: Typical coverage includes dwelling coverage, personal property coverage, liability protection in the event of litigation due to an accident on your property, and guest medical protection. Allstate also provides optional coverage for items like sports equipment, musical instruments, and landscaping equipment.

By bundling your home and auto insurance, you can save up to 25% on your policy with Allstate.

State Farm  »

State Farm

Adjusts Coverage to Inflation

AM best rating
A++

Online Tools
Online Estimate

Multi Policy Discount Available

Bundling Discount
Up to $965

State Farm: State Farms’ standard coverage includes coverage for your home and belongings as well as liability and loss of use coverage. A number of options are available, including service line coverage, increased dwelling coverage limits, coverage for backups from a sewer or drain. And, through its mobile app, you can access a quote, make a purchase, and manage your policy.

Nationwide  »

Nationwide

AM best rating
A+

Online Tools
Online Estimate

Multi Policy Discount Available

Bundling Discount
Up to 20%

Nationwide: Standard policies offer coverage for your home, belongings, liability, and loss of use but also include ordinance/law coverage. This included bonus may pay to get your home up to the existing building codes during repairs or rebuilding after a covered loss. The Brand New Belongings add-on will reimburse you for both the depreciated value of covered items and the extra cost to repair the items or purchase new ones.

Discounts are available for homes in gated communities, with protective devices, like fire alarms and security alarms, and with multipolicy discounts.

Liberty Mutual: Liberty Mutuals’ standard homeowner’s insurance policy in Utah offers typical coverage, like dwelling, personal belonging, loss of use, and personal liability protection. From its website, you can manage policies, make payments online, and purchase add-ons. Add-ons include earthquake coverage, identity fraud expense coverage, water backup and sump pump overflow coverage, inflation protection, and replacement cost coverage.

You can save up to 10% when you purchase a base policy online. However, the discount does not cover add-ons.

Chubb  »

Chubb

AM best rating
A++

Online Tools
Agent only

Multi Policy Discount Available

Chubb: Chubb’s homeowners insurance policy, Masterpiece Homeowners, provides coverage for your home and personal belongings, liability, and loss of use. It also includes a variety of coverages and features that are sometimes add-ons with other companies. Its standard policy also includes replacement costs, identity theft protection, water backup coverage, and home appraisals for risk consulting. If you lose access to your electronic information because of a computer virus, Chubb’s Masterpiece Home will restore your data.

Personal liability begins at $1 million and goes up to $100 million, so you can choose the coverage that is specific to your needs.

Chubb offers its own flood insurance as another option to the National Flood Insurance Program (NFIP).

Progressive  »

Progressive

AM best rating
A+

Online Tools
Online Estimate

Multi Policy Discount Available

Bundling Discount
Up to 4% on Auto

Progressive: Progressive offers multipolicy bundles with auto insurance and discounts for a new home purchase, getting a quote in advance, and paying your 12-month policy upfront are all ways you can save on your policy. Progressives’ standard homeowner insurance policy offers dwelling coverage, including attachments, personal possessions coverage for items in your home, and loss of use coverage in the case your home is not livable for a period of time. Typically, vandalism, fire and smoke, fallen trees, theft, and windstorms are covered in a standard policy.

Progressive sells homeowners policies issued by other insurers in addition to the ones it issues.

Farmers Insurance  »

Farmers Insurance

AM best rating
A

Online Tools
Online Estimate

Multi Policy Discount Available

Bundling Discount
Up to 20%

Farmers: With a solid online presence, Farmers homeowners insurance offers three flexible packages: Standard, Enhanced, and Premier. Standard offers lower coverage limits for a lower price, enhanced provides more coverage limits and add-on features, and premiere offers the most coverage limits and added features.

Utah homeowners can save with discounts for non-smokers, installed protective devices, like smoke and security alarms, multipolicy discounts, automatic bill payments, and no claims for three consecutive years.

We collected homeowners insurance rates from the companies in our Best Homeowners Insurance Companies in Utah of 2022 to determine the average yearly premium based on sample dwelling costs. Homeowners insurance costs in Utah will vary depending on your location, the company you use, the cost of your home, and any added features outside of a standard policy.

Below are some sample rates for a policy with either $100,000 or $300,000 in liability coverage and differing levels of dwelling coverage.

How to Save Money on Homeowners Insurance in Utah

One of the best ways to save money on homeowners insurance in Utah is to explore your options. Take your time to research and speak with different companies to ensure all your specific homeowners insurance needs can be met.

Most homeowners insurance companies offer a slew of discounts for multipolicy bundling and purchasing a new home and will reward homeowners for being claim-free for a period of time and signing up to pay their bills online.

Comparing Common Discounts Across Top Companies

USAA »
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts
Amica »
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts
Allstate »
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts
State Farm »
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts
Nationwide »
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts
USAA » Company
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts
Amica » Company
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts
Allstate » Company
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts
State Farm » Company
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts
Nationwide » Company
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts
Liberty Mutual » Company
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts
Chubb » Company
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts
Progressive » Company
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts
Farmers Insurance » Company
Multi-Product Discounts (bundles)
Loyalty Discounts
Protective Devices Discounts
Claim-Free Discounts
New Home Credit
Military Discounts

When looking for a homeowners insurance company consider what you want: a company that offers the coverage you need at a price you can afford. You can start by taking an inventory of your home and belongings to see what you want covered and for how much. Begin gathering quotes and talking to insurance agents to see what companies can meet your needs at a price within your budget.

If you’re having trouble finding a homeowners insurance company or are wondering about an agent or broker you can check with the Utah Department of Insurance’s Insurance Company and Agent Search site.

Comparing Common Features Across Top Companies

USAA »
OTHER STRUCTURES COVERAGE Yes
IDENTITY THEFT PROTECTION Yes
VALUABLE POSSESSIONS Optional
WATER BACKUP No
DWELLING/PERSONAL PROPERTY REPLACEMENT Yes
Amica »
OTHER STRUCTURES COVERAGE Yes
IDENTITY THEFT PROTECTION Optional
VALUABLE POSSESSIONS Optional
WATER BACKUP Optional
DWELLING/PERSONAL PROPERTY REPLACEMENT Optional
Allstate »
OTHER STRUCTURES COVERAGE Yes
IDENTITY THEFT PROTECTION Optional
VALUABLE POSSESSIONS Optional
WATER BACKUP Optional
DWELLING/PERSONAL PROPERTY REPLACEMENT Optional
State Farm »
OTHER STRUCTURES COVERAGE Yes
IDENTITY THEFT PROTECTION Optional
VALUABLE POSSESSIONS Optional
WATER BACKUP Optional
DWELLING/PERSONAL PROPERTY REPLACEMENT Optional
Nationwide »
OTHER STRUCTURES COVERAGE Yes
IDENTITY THEFT PROTECTION Optional
VALUABLE POSSESSIONS Optional
WATER BACKUP Optional
DWELLING/PERSONAL PROPERTY REPLACEMENT Optional

Company

OTHER STRUCTURES COVERAGE

IDENTITY THEFT PROTECTION

VALUABLE POSSESSIONS

WATER BACKUP

DWELLING/PERSONAL PROPERTY REPLACEMENT

USAA » Yes Yes Optional No Yes
Amica » Yes Optional Optional Optional Optional
Allstate » Yes Optional Optional Optional Optional
State Farm » Yes Optional Optional Optional Optional
Nationwide » Yes Optional Optional Optional Optional
USAA » Company
Yes OTHER STRUCTURES COVERAGE
Yes IDENTITY THEFT PROTECTION
Optional VALUABLE POSSESSIONS
No WATER BACKUP
Yes DWELLING/PERSONAL PROPERTY REPLACEMENT
Amica » Company
Yes OTHER STRUCTURES COVERAGE
Optional IDENTITY THEFT PROTECTION
Optional VALUABLE POSSESSIONS
Optional WATER BACKUP
Optional DWELLING/PERSONAL PROPERTY REPLACEMENT
Allstate » Company
Yes OTHER STRUCTURES COVERAGE
Optional IDENTITY THEFT PROTECTION
Optional VALUABLE POSSESSIONS
Optional WATER BACKUP
Optional DWELLING/PERSONAL PROPERTY REPLACEMENT
State Farm » Company
Yes OTHER STRUCTURES COVERAGE
Optional IDENTITY THEFT PROTECTION
Optional VALUABLE POSSESSIONS
Optional WATER BACKUP
Optional DWELLING/PERSONAL PROPERTY REPLACEMENT
Nationwide » Company
Yes OTHER STRUCTURES COVERAGE
Optional IDENTITY THEFT PROTECTION
Optional VALUABLE POSSESSIONS
Optional WATER BACKUP
Optional DWELLING/PERSONAL PROPERTY REPLACEMENT
Liberty Mutual » Company
Yes OTHER STRUCTURES COVERAGE
Optional IDENTITY THEFT PROTECTION
Optional VALUABLE POSSESSIONS
Optional WATER BACKUP
Optional DWELLING/PERSONAL PROPERTY REPLACEMENT
Chubb » Company
Yes OTHER STRUCTURES COVERAGE
Optional IDENTITY THEFT PROTECTION
Optional VALUABLE POSSESSIONS
Yes WATER BACKUP
Yes DWELLING/PERSONAL PROPERTY REPLACEMENT
Progressive » Company
Yes OTHER STRUCTURES COVERAGE
No IDENTITY THEFT PROTECTION
Optional VALUABLE POSSESSIONS
Optional WATER BACKUP
Yes DWELLING/PERSONAL PROPERTY REPLACEMENT
Farmers Insurance » Company
Optional OTHER STRUCTURES COVERAGE
Optional IDENTITY THEFT PROTECTION
Yes VALUABLE POSSESSIONS
No WATER BACKUP
Optional DWELLING/PERSONAL PROPERTY REPLACEMENT

Company

OTHER STRUCTURES COVERAGE

IDENTITY THEFT PROTECTION

VALUABLE POSSESSIONS

WATER BACKUP

DWELLING/PERSONAL PROPERTY REPLACEMENT

USAA » Yes Yes Optional No Yes
Amica » Yes Optional Optional Optional Optional
Allstate » Yes Optional Optional Optional Optional
State Farm » Yes Optional Optional Optional Optional
Nationwide » Yes Optional Optional Optional Optional
Liberty Mutual » Yes Optional Optional Optional Optional
Chubb » Yes Optional Optional Yes Yes
Progressive » Yes No Optional Optional Yes
Farmers Insurance » Optional Optional Yes No Optional

A standard homeowners insurance policy includes dwelling coverage that covers the following:

  • Dwelling: covers damages to your home
  • Personal property: covers damages to items such as furniture, clothing, or phone
  • Loss of use: covers hotel or rent expenses if your home becomes unlivable
  • Medical payments: cover medical bills if people are hurt on your property or by your pets on your property
  • Personal liability: covers your costs in case of legal issues 

Homeowners insurance is not required in Utah, but many mortgage lenders may require that you have it. The purpose of homeowners insurance is to protect your home and personal belongings from extreme events like natural disasters, but also from unforeseen events like a robbery.

Does Utah Require Any Special Homeowners Insurance Coverage?

Utah does not require any special homeowners insurance coverage. However, if you live in areas prone to certain natural disasters, like earthquakes, it’s important to ensure this is included as part of your insurance coverage.

Flood Insurance

Flood insurance is not covered in most standard home insurance policies. Flooding from a burst pipe that causes water damage in your home is different from flooding that occurs from melted ice or an overflowing river. The former is covered in a standard policy, but for areas that are flood-prone, you will have to purchase a separate policy to cover any damages or loss.

Earthquake Insurance

Earthquake coverage is an add-on feature for most home insurance companies and also covers landslides in Utah but only if it was triggered by the earthquake. If you are interested in earthquake coverage you should discuss it with your insurance agent or company.

Yes* denotes that the coverage is available for purchase through the insurer, but the insurance may ultimately be from an external program, such as the NFIP (flood), CEA (California Earthquake Authority), or another partner (ie. Palomar for Lemonade Earthquake).

No* denotes that, while a company does not participate in the NFIP, customers can enroll and report claims to agents and/or directly to the NFIP.

Disclaimer

The information provided on this website does not, and is not intended to, constitute legal advice; instead, all information, content, and materials available on this site are for general informational purposes only.

Learn More

For more information on Homeowners Insurance please visit our other guides:

Other Insurance Ratings From 360 Reviews

At U.S. News & World Report, we rank the Best Hospitals, Best Colleges, and Best Cars to guide readers through some of life’s most complicated decisions. Our 360 Reviews team draws on this same unbiased approach to rate the products that you use every day. To build our ratings, we researched more than 24 homeowners insurance companies and agencies and analyzed 15 third-party review sources. Our 360 Reviews team does not take samples, gifts, or loans of products or services we review. All sample products provided for review are donated after review. In addition, we maintain a separate business team that has no influence over our methodology or recommendations.

For this study, U.S. News worked with Quadrant Information Services to analyze a report of publicly available insurance rates using all the available ZIP codes in Utah for the insurance companies in our rating of the Best Homeowners Insurance Companies of 2022 that operate in that state. The insurance rates in our study are based on sample rates for a 47-year-old, married applicant household with a 728 FICO credit score. The rates were obtained for a HO3 policy covering a wood frame house with 10% Other Structures Coverage, 20% Loss of Use Coverage, 50% Personal Property Coverage, and a guest medical limit of $5,000.

Our goal is to empower consumers with the information and tools they need to make informed decisions. More information about our 360 Reviews methodology for evaluating homeowners insurance companies is here.

U.S. News 360 Reviews takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

https://www.usnews.com/insurance/homeowners-insurance/local/utah

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