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Utah Home Insurance

Home insurance in Utah is all about being prepared for whatever comes your way. From wildfires to snowstorms, having the right coverage means you can handle the unexpected with confidence.

Is home insurance required in Utah?

Utah law doesn’t require homeowners to have insurance on their property, but if you finance your home through a mortgage, your lender will likely require you to have homeowners insurance. Even if you own your home outright without a mortgage, it’s still highly advisable to be insured. Home insurance is not a one-size-fits-all product. It should be tailored to your specific situation and needs.

Typical Utah homeowners insurance coverages

  • Coverage A – Dwelling:

    Coverage for your home and attached structures for damage caused by events such as fire, lightning, wind or hail.

  • Coverage B – Other structures:

    This covers damage to other structures on the property that are set apart from the dwelling, such as a fence, shed or detached garage.

  • Coverage C – Personal property:

    Coverage for your belongings, such as furniture, clothing and electronics, if they’re damaged by a peril listed in your policy.

  • Coverage D – Loss of use:

    This covers your temporary living expenses when a covered loss makes your home unfit to live in.

  • Coverage E – Personal liability:

    This covers damage or injury to another person on their property that you’re responsible for causing. It also covers legal assistance for claims made against you.

  • Coverage F – Medical payments to others:

    This coverage can pay for medical bills for people who are accidentally hurt on your property, not including members of your household.

Remember, each of these coverages is subject to a policy limit, deductible and exclusions, which are specified within your policy.

Your homeowners insurance won’t cover flood damages, so it helps to ensure you’re properly covered if there’s a flood. Flood insurance policies are available and are written through the federally backed National Flood Insurance Program. It’s common for mortgage companies to require flood insurance if your home is within or near a floodplain. Regardless, a flood can occur anywhere, and it’s a good idea to buy this additional coverage.

Additional coverages in Utah

You may find that the general coverages afforded in a basic homeowners policy don’t cover certain losses or types of property. Amica offers home insurance options in the form of policy endorsements that can fill in some of those gaps in coverage. Adding endorsements to your Utah homeowners insurance policy can provide valuable additional coverage tailored to your specific needs. Here are a few endorsements you might consider:

  • Special computer coverage:

    Additional protection beyond what’s included in your policy for devices against direct physical loss, like accidental damage or theft. Devices covered under special computer coverage include:

    • Desktops
    • Laptops
    • Smartphones
    • Gaming devices
    • Smart TVs

  • Identity fraud expenses:

    Identity theft is a growing concern, and this endorsement can help cover expenses associated with restoring your identity, such as legal fees, lost wages and other related costs.

  • Water backup and sump overflow:

    Unexpected and accidental water damage, like from an appliance or burst pipes, is covered by most homeowners insurance policies. But, at the same time, they also exclude coverage for backed-up sewers and drains. This endorsement provides coverage for water that backs up through drains and sump pumps.

  • Scheduled personal property:

    If you have high-value items such as jewelry, fine art or collectibles, a basic homeowners policy may not provide sufficient coverage. With this endorsement, you can insure specific items to make sure they’re adequately covered against loss or damage.

  • Earthquakes:

    A standard Utah policy excludes damage caused by earth movement, including earthquakes. This endorsement would extend coverage to damage caused by an earthquake.

Key factors impacting Utah homeowners insurance rates

The location of your home is a factor that impacts home insurance premiums. Different areas face different risks and exposures. The cost of home insurance can vary significantly between a city and a small town due to factors such as population density, construction costs and property values in the area. 

Your Utah homeowners insurance policy should be as unique as your home. That’s why we emphasize the importance of selecting the right coverage for your individual needs. By customizing your policy to suit your preferences, you help protect your home and gain some control over your rates. 

Maximize savings with Utah homeowners insurance discounts

There are several ways Utah homeowners can save money on home insurance without compromising the quality of their coverage.1 We offer home insurance discounts for:

  • Alarm systems: Receive a discount when you insure a home with burglar alarms, sprinkler systems or fire alarms.
  • Automatic detection devices: Insure a home in Utah with a temperature monitoring, water leak detection or gas leak detection system installed and receive a discount. 
  • New or remodeled homes: Receive a credit when you insure a new or fully remodeled home. 
  • Claim-free: Receive a discount when you’ve had no claims in the past three years.

If these don’t apply to you, we also offer discounts for:

  • AutoPay: Receive a discount when you opt to pay your premium using automatic deductions. 
  • E-discount: Get a discount when you sign up to receive policy information and bills electronically. 
  • Paid in full: Save money when you pay the entire balance of your Utah policy premium up front.

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle your insurance coverages for home and auto with the same insurance company. In fact, homeowners in Utah who bundle home and auto insurance with Amica could save up to 20% with a multiline discount.1

Facts and figures about Utah

Common claims in Utah:

Utah's climate, characterized by hot weather and the threat of wildfires, can pose unique challenges for homeowners.

  • Climate-related claims: Damages caused by hot weather or wildfires are unfortunately common in the state. The intense heat can lead to various issues such as roof, siding and structural damage to homes.
  • Plumbing leaks: Leaks are a significant concern, particularly those complicated by pipes running through concrete slabs, which is a common construction method in the region. These leaks can go unnoticed for extended periods, leading to water damage, mold growth and other costly issues.

Most standard home insurance policies cover both types of damage, but it's best to review your policy to understand the extent of coverage and any limitations.

Fun facts about Utah:

  • Kanab is a recreational community known locally for its outdoor activities and proximity to Mount Zion National Park. But it’s also known as "Little Hollywood," having served as the setting for more than 100 movies and television shows, many of which are westerns. This is largely attributable to its expansive open spaces and rugged terrain.2
  • Located southwest of Salt Lake City, the Kennecott Bingham Canyon Copper Mine is the deepest open-pit mine in the world. It measures nearly a mile in depth and 2.5 miles in width. The mine has been in production since 1906 and was designated a National Historic Landmark in 1966.2
  • Rainbow Bridge National Monument, located on the edge of Lake Powell, is recognized as the largest natural bridge in the world, standing at 290 feet tall and spanning 270 feet across.2

How to get home insurance in Utah

We’re here to guide you through the process of personalizing your homeowners insurance in Utah. Here’s how to secure your policy in three easy steps:

  1. Assess your coverage needs:

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs.

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Utah homeowners based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a home insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, you can rest easy knowing that your home is safeguarded against the unexpected, allowing you to focus on what matters most – enjoying life in beautiful Utah.

Get a home insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 35 Things You Probably Didn’t Know About Utah

 

Your Policy, Policy Declarations or Amended Declarations in effect on the date of loss is the primary source of reference for your coverage, coverage limits and deductible amounts.

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