Utah Homeowners Insurance, Written Anywhere in the State
We are an independent agency licensed across Utah, so a home's coverage goes out to several carriers instead of one, and we read the replacement cost, the deductible, and the exclusions with you by phone, email, or text before anyone quotes a price.
What a Utah Homeowners Policy Covers
Your home is where life happens, and the policy behind it should be something you can read rather than something you file. A homeowners policy is really five separate coverages sitting under one premium:
- Dwelling coverage, which pays to repair or rebuild the structure after a covered loss
- Other structures, for the detached garage, the shed, and the fence
- Personal property, for what is inside the house
- Personal liability, for someone injured on your property or damage you cause elsewhere
- Loss of use, which pays for somewhere to live while the home is being repaired
Fire, smoke, theft, wind and hail, lightning, and sudden water damage from interior plumbing are the losses those coverages are built around. Each of the five carries its own limit, and a policy can be adequate in four of them and short in the fifth, which is the part a declarations page never says out loud.
Coverage Sized to the Home You Actually Own
Every home sits differently, and so does the policy that fits it. We write the whole family of property coverage ourselves, so the right form gets used the first time:
- A single-family home on its own lot, insured for what it would cost to rebuild
- A condo or townhome, where the association's master policy stops and your unit coverage begins
- A home you rent out, which needs a landlord policy rather than a homeowners policy
- A tenant living in one of those units, who needs their own contents and liability coverage
- Higher liability limits above the home policy, for a household with more to lose than the policy's liability line covers
- Scheduled coverage for the ring, the collection, or the gear that sits above a personal property sublimit
We walk through the options and explain what each piece does before anything is quoted, so the decisions are yours to make with the numbers in front of you.
How Much Is Homeowners Insurance in Utah?
Utah is one of the less expensive states in the country to insure a home in, and the gap is wide enough to be worth knowing.
- $1,800 a year: roughly what a Utah homeowners policy averages at $300,000 in dwelling coverage, $100,000 in liability, and a $1,000 deductible.
- $2,550 a year: roughly the national average on the same policy.
Your number will not be the average, because averages are built on a house nobody lives in. These are the things that actually move a Utah premium:
- The dwelling replacement cost, which is what it would take to rebuild, not what the house would sell for
- The age and material of the roof, which several carriers now rate more heavily than anything else on the house
- Hail and wind exposure, which varies across the state, from Utah and Salt Lake counties to Davis, Wasatch, and the counties south of them
- Wildfire exposure, which is priced differently on the benches and in the foothill neighborhoods than on the valley floor
- The deductible you choose
- Claims history on the home and on the household
- What the policy is bundled with, since carriers rate a household differently when the auto insurance sits alongside it
We work to bring the premium down while keeping the benefits of the coverage intact, and the way we get there is by running your specifics across the carriers we are appointed with rather than accepting the first renewal that arrives.
Why Utah Homeowners Choose Eagle Financial Resources
Glenn R. Smith opened Eagle Financial Resources in American Fork in 2002 and moved it from a captive agency to an independent one, so a home's coverage could be shopped across more than one carrier's shelf. He has been licensed in insurance since 1995.
List of Services
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Personalized Attention:List Item 1
We ask about the house, the roof, the finished basement, and what is in it before we recommend a limit.
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Whole-Market ComparisonList Item 2
From setting up the policy to filing a claim, you reach the same person year after year.
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Dedicated Support:List Item 3
From choosing your coverage to filing a claim, our dedicated team is with you every step of the way, ensuring a smooth and supportive experience.
Reviews, quotes, and policy changes run by phone, email, and text, applications are signed electronically, and proof of insurance is emailed the same day. We are licensed to write homeowners coverage anywhere in Utah, including Lehi, Pleasant Grove, Orem, and Provo, and well past the Wasatch Front. Our American Fork roots are what taught us Utah homes, from the fault under the valley to the hail that comes off the benches. We are BBB accredited with an A+ rating, and more than 400 Utah families and businesses keep their coverage with us.
Utah Home Insurance Questions Homeowners Ask Us
How much is homeowners insurance in Utah per month?
A Utah homeowners policy averages in the neighborhood of $1,800 a year, or about $150 a month, on roughly $300,000 of dwelling coverage with a $1,000 deductible. That is well below the national average of about $2,550. Your own number moves with the replacement cost of the house, the age of the roof, your deductible, your claims history, and what the policy is bundled with.
What does homeowners insurance not cover in Utah?
The Utah Insurance Department names flood, earthquake, earth movement, and mudslide as perils a typical homeowners policy does not cover. Ordinary wear, gradual leaks, and maintenance a home has been putting off are generally excluded as well. Flood and earthquake coverage are separate purchases, and both are available in Utah.
Does homeowners insurance cover earthquake damage in Utah?
No. Earthquake damage is not covered by a typical Utah homeowners policy, and neither is the earth movement that comes with it. Earthquake coverage is bought as a separate policy or an endorsement, with its own deductible calculated as a percentage of the coverage limit. On the Wasatch Front, where the Utah Insurance Department puts the chance of a magnitude 6.75 quake at 43% over the next 50 years, it is worth pricing rather than assuming.
Should my home be insured for replacement cost or actual cash value?
Replacement cost pays to rebuild with materials of like kind and quality, while actual cash value pays a depreciated amount based on the age and condition of what was lost. Replacement cost carries a higher premium and is what most homeowners want on the dwelling itself, particularly on an older Utah home where depreciation on a roof or on interior finishes would be substantial. Check which one your current policy uses, because the difference is invisible until a claim.
Does raising my deductible lower my Utah premium?
Usually, yes. Moving from a $1,000 deductible to $2,500 or $5,000 lowers the annual premium, because you are taking on more of a small loss yourself. The question worth answering first is whether the higher figure is money you could write a check for tomorrow, and we will price a few deductible levels side by side so the tradeoff is a number rather than a guess.
Can I set up a Utah home policy without meeting in person?
Yes, and that is how nearly all of our home insurance work happens. We review your current declarations page and quote the replacement cost, deductible, and endorsements with you by phone, email, or text, wherever in Utah the house sits. Applications are signed electronically, and proof of insurance is emailed the same day the policy is bound.
Let's Read Your Home Policy Together
Send us the declarations page, or just the renewal notice that showed up in the mail, and we will go through the dwelling limit, the deductible, and the exclusions with you before anyone talks about price. Wherever in Utah the house sits, if a better fit for it sits with another of our carriers, you will see both side by side. Call us at (801) 477-5214 or start with the form.
