The Best Home Insurance Companies in Utah in 2026
Foremost and State Farm are among the best home insurance companies in the Beehive State.
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Written byKat Tretina
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Kat TretinaInsurance Writer
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Edited byNick Versaw
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Nick VersawSenior Managing Editor
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent and Insurance Editor
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
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In Utah, homeowners pay an average of $129 per month for a policy with $300,000 in dwelling coverage, which is lower than the national average of $234. In general, Utah residents pay less for insurance due to a lower risk of natural disasters and lower crime rates, but premiums vary by location and property type.
Utah homeowners also have to consider the risk of natural disasters and may need separate policies to protect themselves from damage caused by floods or earthquakes.
Here’s what you need to know before you purchase a home insurance policy in Utah.
Key Takeaways
Between 1980 and 2024, there were 25 natural disasters in Utah that resulted in more than $1 billion in losses.[1]
In Utah, Foremost has the cheapest home insurance, averaging $65 per month.
Top Utah home insurers include Foremost, State Farm, and USAA.
Our Picks for Utah’s Best Home Insurance Companies
Utah homeowners have many options for coverage. National insurers and smaller, regional companies sell home insurance policies within the state.
No single company will work for every Utah property, but the following are some of the best companies based on their rates, coverage options, customer ratings, and discounts:
Company | Compare.com Rating | Average Monthly Premium | Average Annual Premium |
|---|---|---|---|
| Foremost | N/A | $207 | $2,484 |
| State Farm | 4.38 | $235 | $2,820 |
| USAA | 4.68 | $169 | $2,028 |
| Farmers | 3.87 | $231 | $2,772 |
| Chubb | 4.19 | $308 | $3,696 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Foremost: Best for flood insurance
Pros
Low rates in Utah
Sells flood insurance
Cons
Online quotes not available
Poor reviews on Trustpilot
If you own a home near one of Utah’s lakes or rivers, you may need a separate flood insurance policy. Not all companies sell flood coverage, but Foremost does, so you can get coverage against rising water or flooding.
Foremost also has several home insurance discounts, such as claims-free discounts, fire-detection deductions, and multi-policy discounts.
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
|---|---|
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 643 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $115/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $160/mo |
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.22
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
State Farm is a good option for homebuyers in Utah who want personalized service. State Farm has a large network of agents within the Beehive State, so you can find an agent working near you to help you customize your policy.
State Farm also has a range of other insurance products, including life, business, and auto insurance policies, so you can bundle your coverage and save money.
Pros
Large network of agents in Utah
Customizable coverage
Cons
Limited discounts compared to competitors
Doesn’t sell flood insurance
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Hill Air Force Base, the second-largest Air Force base in the country, is Utah’s largest single-site employer, so Utah has a large military presence. For homeowners who are veterans or active-duty service members, USAA offers low rates and extra benefits.
For example, USAA home insurance policyholders can qualify for discounts on security systems, storage units, and more.
Pros
Low rates in Utah
Added perks available
Cons
Limited eligibility for coverage
No physical locations in Utah
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A
Why we picked this company
Utah has experienced explosive growth in short-term rentals. In just two years, the average number of short-term rental listings per month increased by nearly 40%, according to the University of Utah Policy Institute.[2] If you have a rental property, you need more than a standard homeowners insurance policy, and Farmers could be the solution.
Farmers Flex Personal insurance policies have a range of endorsements you can add to your policy to get extra coverage, such as coverage for short-term rentals or homeshares, emergency mortgage assistance, and water backup and sump overflow insurance.
Pros
Multiple coverage endorsements
Long list of discounts
Cons
Below-average customer satisfaction
Less-than-stellar reviews on Trustpilot
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
Not rated
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Homes in Utah tend to be more expensive than properties in other states. Approximately 7.5% of home sales in 2024 were for properties of $1 million or more, according to University of Utah Policy Institute data. Chubb could be an excellent choice for those homes.
The company specializes in coverage for high-value homes, and homeowners can take advantage of replacement cost endorsements and risk consultants who offer security and fire prevention advice.
Homeowners may also benefit from Chubb’s HomeScan service, which uses infrared technology to detect potential issues, such as leaks or faulty electrical work, before they become serious problems.
Pros
Highly rated for customer satisfaction
Special discounts for properties with security or risk detection
Cons
Doesn’t offer online homeowner insurance quotes
Limited insurance agent access in Utah
The Cheapest Home Insurance Companies in Utah
Home insurance rates can vary a great deal between companies, so it’s wise to get quotes from several insurers to find the best rates for your desired coverage.
The table below shows the cheapest home insurance companies in Utah, assuming a dwelling coverage policy of $300,000:
The below rates in Utah are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Foremost | $780 |
| Farmers | $876 |
| Travelers | $924 |
| American Family | $1,044 |
| Nationwide | $1,200 |
| Mutual Of Enumclaw | $1,260 |
| Allstate | $1,284 |
| Unitrin | $1,296 |
| USAA | $1,308 |
| State Farm | $1,380 |
| Encompass | $1,740 |
| Acuity | $2,076 |
| Auto-Owners | $2,928 |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 31 at 5:00 PM PDT.
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Average Cost of Homeowners Insurance in Utah
On average, homeowners pay $129 per month for insurance in the Beehive State (excluding the cost of separate flood or earthquake insurance policies). How much your policy costs is partially based on the cost to repair or replace your home and what coverage you choose.
The table below shows the average annual premium for different dwelling coverage amounts in Utah, based on our data:
The below rates in Utah are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Foremost | $516 |
| Farmers | $588 |
| Travelers | $684 |
| American Family | $828 |
| Allstate | $840 |
| Mutual Of Enumclaw | $900 |
| Nationwide | $912 |
| USAA | $1,008 |
| Unitrin | $1,056 |
| State Farm | $1,104 |
| Acuity | $1,332 |
| Encompass | $1,356 |
| Auto-Owners | $2,184 |
The below rates in Utah are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Foremost | $780 |
| Farmers | $876 |
| Travelers | $924 |
| American Family | $1,044 |
| Nationwide | $1,200 |
| Mutual Of Enumclaw | $1,260 |
| Allstate | $1,284 |
| Unitrin | $1,296 |
| USAA | $1,308 |
| State Farm | $1,380 |
| Encompass | $1,740 |
| Acuity | $2,076 |
| Auto-Owners | $2,928 |
The below rates in Utah are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Foremost | $1,032 |
| Farmers | $1,188 |
| Travelers | $1,200 |
| American Family | $1,224 |
| Nationwide | $1,464 |
| Unitrin | $1,548 |
| USAA | $1,584 |
| Mutual Of Enumclaw | $1,620 |
| Allstate | $1,656 |
| State Farm | $1,656 |
| Encompass | $2,076 |
| Acuity | $2,796 |
| Auto-Owners | $3,840 |
The below rates in Utah are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| Foremost | $1,272 |
| American Family | $1,404 |
| Farmers | $1,548 |
| Travelers | $1,560 |
| Nationwide | $1,728 |
| Unitrin | $1,776 |
| USAA | $1,800 |
| State Farm | $1,920 |
| Mutual Of Enumclaw | $1,956 |
| Allstate | $2,064 |
| Encompass | $2,388 |
| Acuity | $3,360 |
| Auto-Owners | $4,740 |
The below rates in Utah are estimated rates current as of: Monday, August 31 at 5:00 PM PDT.
Company | Average Yearly Premium |
|---|---|
| American Family | $1,872 |
| Foremost | $1,944 |
| Farmers | $2,280 |
| Travelers | $2,316 |
| Nationwide | $2,340 |
| USAA | $2,376 |
| State Farm | $2,496 |
| Unitrin | $2,592 |
| Mutual Of Enumclaw | $2,784 |
| Allstate | $3,108 |
| Encompass | $3,108 |
| Acuity | $4,836 |
| Auto-Owners | $6,852 |
Where you live plays a big role in how much you pay for coverage. For example, Utah homes in Salt Lake City, a large city, will usually be more expensive to insure than homes in Alton, a smaller town.
The table below shows the average home insurance premiums for homeowners in some of the biggest cities in Utah, according to Compare.com data:
CityAverage Yearly PremiumOgden $131 Provo $131 Salt Lake City $133 We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Common Home Insurance Risks in Utah
These are some of the most common risks affecting home insurance in Utah:
Winter storms
Utah is a haven for skiers thanks to its heavy snowfall; Alta Ski Area receives up to, and sometimes over, 500 inches of snow each year. Thanks to the prevalence of heavy snow, Utah is home to several major ski resorts. But those storms can come with issues, such as roof damage from heavy snow and burst pipes.
Wildfires
Hundreds of wildfires occur in Utah each year, according to the state Wildfire Preparedness Report.[3] A standard homeowners insurance policy will cover damages caused by wildfires. A new state law requires home insurance companies to use Utah’s risk assessment tool when setting rates, and homeowners in areas at higher risk of wildfires will pay higher premiums.
Aging homes
In Utah, approximately 12% of properties were built before 1950, according to the Utah Department of Health and Human Services. Older homes may have features like plaster ceilings or aging plumbing systems that may be more difficult and expensive to repair, so insurance premiums are higher.
Utah Insurance Department
To file a complaint about an insurance company or find out what insurers can sell coverage in Utah, you can contact the Utah Insurance Department:
Phone: 1 (801) 957-9200
The Utah Insurance Department is available Monday through Friday, from 8 a.m. until 5 p.m. Mountain time.
What Homeowners Insurance Covers in Utah
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In Utah, a standard home insurance policy includes the following types of coverage:[4]
Dwelling insurance: Dwelling insurance pays to repair or rebuild your home’s structure, such as its roof or walls, if it’s damaged by a covered peril (which typically includes fire or hail damage). In Utah, where wildfires are common, dwelling coverage protects your property. Other structures coverage usually falls under this category, protecting your garage, fence, or other separate structures.
Personal property coverage: If your personal belongings, such as your electronics, furniture, or clothing, are damaged in a covered loss or stolen, personal property insurance helps you replace them.
Liability coverage: Liability insurance covers your legal expenses and the medical expenses of someone who is injured on your property. This form of coverage is particularly useful in Utah, where icy winter conditions can make slip-and-fall accidents more common.
Additional living expenses: Coverage for additional living expenses or temporary living expenses pays for short-term housing and meals if your home is damaged and uninhabitable.
What home insurance doesn’t cover
A standard home insurance policy doesn’t cover the following:
Floods: Floods are a common issue in Utah, but you’ll need a separate flood insurance policy to protect your home against damage from storm surges or rising water.[5]
Earthquakes: Utah rests along the Wasatch Fault, an active fault, so you may need earthquake insurance. In Utah, you can purchase earthquake coverage through private insurers.
Sewer or water backup: Usually available as an endorsement on standard policies, this additional coverage pays to repair damage caused by backed-up drains.
Wear and tear: Homeowner insurance policies exclude basic maintenance or repairs due to routine wear and tear.
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Do You Need Flood Insurance in Utah?
A standard homeowners insurance policy doesn’t cover flood damage, and flooding is the most common natural disaster affecting Utah homeowners.[6] To protect your home, flood insurance can be a smart purchase.
Flood insurance policies are stand-alone policies, and you can purchase coverage through a private insurer or the National Flood Insurance Program (NFIP).
Factors That Affect Home Insurance Costs in Utah
Several factors can affect your home insurance rates, including the following:
Risk: Insurers consider your property and assets to determine how likely you are to have a claim in the future. For example, properties near bodies of water, such as the Great Salt Lake or Bear Lake, are more susceptible to storm damage or flooding, so they’ll be more expensive to insure.
ZIP code: Where you live affects how much you pay. ZIP codes with higher median housing prices and higher costs of living usually have pricier premiums.
Home age: In general, older homes are more expensive to insure than newer homes.
Construction type: Homes made of brick or masonry are usually cheaper to insure than wood-frame homes.
Utah Home Insurance FAQs
If you have questions about insuring a home in Utah, the following information can help:
How much is home insurance in Utah?
In Utah, homeowner insurance policies average $1,548 per year for a $300,000 dwelling coverage policy with a $1,000 deductible, which is significantly lower than the national average.
What’s the best home insurance company in Utah?
No single company is best for everyone in Utah, but leading companies include Foremost, State Farm, USAA, and Chubb. We selected these insurers based on their rates, coverage options, and customer service.
Which company has the cheapest homeowners insurance in Utah?
The company with the lowest average rates is Foremost, with a $300,000 dwelling coverage policy averaging $65 per month.
Is homeowners insurance required in Utah?
No. Utah doesn’t require homeowners insurance to maintain policies on their properties, but your mortgage lender will probably require you to have coverage.
What types of homeowners insurance coverages are recommended in Utah?
In Utah, you may need a standard homeowners insurance policy with dwelling coverage and personal property insurance, and it may be a good idea to purchase a separate flood insurance policy, too.
Sources
- National Oceanic and Atmospheric Administration. "Utah Summary."
- University of Utah Policy Institute. "The Evolving Landscape of Utah’s Short-Term Rental Market."
- Utah.gov. "Wildfire Management in Utah."
- Utah Insurance Department. "Homeowner's Insurance."
- Be Ready Utah. "Flood."
- Utah Department of Public Safety Division of Emergency Management. "Utah Flood Hazards & Floodplain Management."
Methodology
Compare.com data scientists analyzed rates from more than 180 home insurance companies sourced directly from Compare.com’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Compare.com’s proprietary database. Rates are updated monthly.
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Kat TretinaInsurance Writer
Nick VersawSenior Managing Editor
Katie PowersLicensed P&C Agent and Insurance Editor
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519