Best Homeowners Insurance in Utah (2024)

Farmers is Utah's best home insurance company. If value and cost are your priorities, Farmers also stands out as the most affordable option. But for new homeowners, Nationwide offers specialized benefits, while American Family is ideal for those requiring higher dwelling coverage limits.

Our evaluation was based on a standard $100,000 dwelling coverage limit. The amount of dwelling coverage you need significantly affects your premium. We also found the cheapest home insurance in Utah, focusing on budget-friendly options without considering service quality.

Farmers offers the best home insurance in Utah. For homeowners looking to secure their property, the top companies are:

• Farmers: MoneyGeek score of 85 out of 100 ($401 per year)
• American Family: MoneyGeek score of 84 out of 100 ($554 per year)

In looking for home insurance, find a balance that works for your budget and needs, ensuring you get good value without sacrificing quality service.

Auto-Owners stands out as the provider offering the best home insurance in Utah based on service quality.

• Auto-Owners: MoneyGeek score of 98 out of 100 ($967 per year)
• American Family: MoneyGeek score of 87 out of 100 ($554 per year)

Valuing service quality in a home insurance provider ensures that when a crisis strikes, like your home being damaged in a storm, you can rely on prompt and caring support. Homeowners who prioritize quality service gain peace of mind, knowing they have a dependable partner to help navigate the complexities of claims and coverage.

Farmers provides the most affordable home insurance in Utah:

• Farmers: MoneyGeek score of 91 out of 100 ($401 per year)
• American Family: MoneyGeek score of 82 out of 100 ($554 per year)

Although cheaper premiums might not always equate to superior service, Farmers maintains a robust balance. When considering the average cost of home insurance in Utah, homeowners should opt for a provider that offers not just low premiums but also excellent service — a company that will support them through the stress of a pipe burst or roof repair, for instance.

American Family offers the premier home insurance in Utah for owners of high-value residences. These providers ensure optimal coverage for homes needing up to $1 million in coverage.

• American Family: MoneyGeek score of 93 out of 100 ($2,102 per year)
• State Farm: MoneyGeek score of 87 out of 100 ($2,642 per year)

American Family has a perfect affordability score. For expensive homes requiring substantial coverage, this signifies a crucial equilibrium of cost-efficiency and comprehensive protection, emphasizing the importance of selecting a carrier that excels in quality and value.

Nationwide offers the best home insurance in Utah for those with new homes:

• Nationwide: MoneyGeek score of 80 out of 100 ($1,071 per year)
• Farm Bureau: MoneyGeek score of 79 out of 100 ($836 per year)

Nationwide has high affordability and service scores, provides homeowners with an excellent balance of cost-efficiency and quality service. This harmony ensures that residents can enjoy comprehensive protection without compromising on their financial well-being.

For veterans and military families seeking home insurance, Farmers leads as the top provider in Utah.

• Farmers: MoneyGeek score of 78 out of 100 ($401 per year)
• American Family: MoneyGeek score of 78 out of 100 ($554 per year)

The best homeowners insurance company for veterans recognizes their distinct needs, such as the likelihood of frequent moves and deployments. It ensures homes and personal items are always protected, offering peace of mind to those who serve or have served.

The ideal homeowners insurance providers adeptly combine high-quality service and comprehensive coverage with competitive premiums. Finding the right insurance for your home is a personalized process, as it heavily hinges on the specific requirements you may have. We'll navigate the steps to identify the best homeowners insurance options for your unique situation, helping you secure a policy that matches both your coverage needs and your budgetary constraints.

Selecting the best homeowners insurance provider in Utah hinges on aligning offerings with your individual requirements. Get answers to common questions.