Best Homeowners Insurance Companies in Utah

Utah's Top Home Insurance Companies: Key Takeaways

American Family is the best home insurance provider in Utah with a score of 4.5 out of 5 from our review team.

USAA, State Farm, Farmers and Auto-Owners high for homeowners insurance in Utah based on reliable coverage, customer service and competitive rates.

The best insurer for your home depends on your coverage needs, budget and preferred features like claims service or discount availability.

Utah homeowners pay rates well below the national average. MoneyGeek analyzed premiums, J.D. Power satisfaction scores and coverage options from major insurers to find the best home insurance companies in Utah.

What Are the Best Home Insurance Companies in Utah?

American Family is first in Utah for coverage quality and customer experience and has the lowest premiums in the state. USAA, State Farm, Farmers and Auto-Owners round out the top five, each strongest in a different area: military-focused service, coverage quality and local agent networks.


American Family	4.5	$1,243	Most Utah homeowners
USAA	4.8	$1,238	Military families
State Farm	4.5	$1,123	Coverage quality
Farmers	4.5	$826	Affordable rates
Auto-Owners	4.2	$2,348	Customer experience

*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile.

**Although USAA earned the highest score, we didn't rank it No. 1 due to its eligibility requirements.

American Family Insurance

MoneyGeek Rating

4.5/ 5

4.7/5Affordability

4.4/5Customer Experience

3.8/5Coverage

J.D. Power Customer Satisfaction Score
643/1,000
Average Annual Premium
$1,243

pros
- Customizable coverage options
- Utah's lowest average rates
- Above-average J.D. Power customer satisfaction score
cons
- Slower claims processing during peak periods
- Not available in all Utah areas
American Family charges Utah homeowners $1,243 annually for home insurance. The company includes personal property replacement cost coverage, meaning you can replace lost items without depreciation deductions. Identity theft protection comes standard, adding financial security for policyholders. American Family works well for Utah homeowners who want comprehensive protection without premium rates.

American Family charges $1,243 annually for home insurance in Utah, 15% less than the state average of $1,454 and 64%% below the national average of $3,467. Bundle your home and auto policies to save more. Installing security systems can reduce your premium further.


Older Homes	$102	$1,222
Newer Homes	$78	$930
Young Homeowners	$107	$1,280
Senior Homeowners	$105	$1,256
High-Risk Fire Homes	$116	$1,393
Smaller Homes	$98	$1,176
Larger Homes	$107	$1,288

American Family earned 643 out of 1,000 points in J.D. Power's study, just above the industry average of 642. Local independent agents provide personalized service and help Utah homeowners find the right coverage. The company's online platform makes policy management convenient while maintaining local agent support.
American Family provides standard homeowners coverage with optional add-ons:
- Equipment breakdown: Covers damage to appliances, home systems and smart devices from mechanical or electrical failures
- Flash flood: Protects against inland flood damage and water-related expenses
- Hidden water damage: Covers leaks within walls, floors, ceilings and cabinets
- Home renovation: Protects against foundation collapse and theft or damage to construction materials
- Matching undamaged siding: Pays to replace undamaged siding so everything matches
- Roof damage: Bridges the gap between your current roof's depreciated value and new roof replacement costs
- Service line: Pays for repairing or replacing damaged underground piping or wiring
- Sewer backup, septic backup and sump overflow: Covers repair costs from water backing up into your home
- Scheduled personal property: Increases coverage limits for jewelry, gemstones, watches and furs

USAA

MoneyGeek Rating

4.8/ 5

4.7/5Affordability

5/5Customer Experience

5/5Coverage

J.D. Power Customer Satisfaction Score
737/1,000
Average Annual Premium
$1,238

pros
- Below Utah's average rates
- Digital tools simplify policy and claims management
- Multiple add-on coverage options
cons
- Smaller agent network than major insurers
- Membership restricted to military community
- Limited service in some Utah areas
USAA designs its home insurance specifically for military families, offering specialized coverage for uniforms and equipment that standard insurers don't provide. Utah service members pay $1,238 annually, the lowest average rate among military-eligible insurers. The company also offers replacement cost coverage for personal property as an endorsement, letting you recover full value without depreciation deductions.

Bundling home and auto policies with USAA help homeowners get additional savings beyond its already competitive $1,238 annual premium. USAA's base rate runs 15% below Utah's $1,454 state average and 58% under the $3,467 national average. Installing security systems can lower your premium even more.


Older Homes	$105	$1,255
Newer Homes	$68	$812
Young Homeowners	$110	$1,315
Senior Homeowners	$100	$1,202
High-Risk Fire Homes	$116	$1,387
Smaller Homes	$96	$1,156
Larger Homes	$111	$1,327

USAA earned 737 out of 1,000 points in J.D. Power's study, outpacing the 642 industry average by 95 points. The company handles quotes and claims through online tools, fitting the mobile lifestyle of military families. Membership remains exclusive to those with military affiliation.
USAA provides standard homeowners coverage with military-focused add-ons:
- Replacement cost personal property: Pays full replacement value without depreciation
- Military uniform and equipment coverage: Protects service member gear
- Standard dwelling coverage: Covers home structure and attached fixtures
- Personal liability protection: Pays for accidents on your property
- Additional living expenses: Covers temporary housing during repairs
- Medical payments: Pays for guest injuries regardless of fault

State Farm

MoneyGeek Rating

4.5/ 5

4.8/5Affordability

4.2/5Customer Experience

4/5Coverage

J.D. Power Customer Satisfaction Score
657/1,000
Average Annual Premium
$1,123

pros
- Lowest average rates in Utah
- Broad agent network with local coverage across the state
- Wide range of add-on coverage options
cons
- Digital tools lag behind competitors
- Claims processing slows during high-volume periods
- Not available in every part of Utah
State Farm is the most affordable option in Utah at $1,123 a year. Personal property replacement cost coverage is available as an endorsement and pays full value rather than a depreciated amount. Optional earthquake coverage is also available, relevant for homeowners near the Wasatch Fault.

At $1,123 a year, the premium is 68% below the national average of $3,467 and 23% below the $1,454 Utah state average. Bundling home and auto or adding a security system cuts costs further.


Older Homes	$94	$1,132
Newer Homes	$71	$848
Young Homeowners	$94	$1,127
Senior Homeowners	$93	$1,118
High-Risk Fire Homes	$105	$1,259
Smaller Homes	$69	$829
Larger Homes	$78	$930

State Farm pairs online tools for policy management and claims tracking with independent agents who can walk Utah homeowners through coverage decisions. The approach earned 657 out of 1,000 points in J.D. Power's study, 15 points above the 642 industry average.
Standard coverage with optional add-ons:
- Personal property replacement cost: Pays full value without depreciation
- Earthquake coverage: Covers seismic damage
- Dwelling coverage: Covers the home's structure
- Personal liability: Pays legal costs if someone is injured on the property
- Additional living expenses: Covers temporary housing during repairs
- Medical payments: Pays for guest injuries regardless of fault
- Personal property: Covers belongings inside and outside the home

Farmers

MoneyGeek Rating

4.5/ 5

5/5Affordability

4.1/5Customer Experience

3.1/5Coverage

J.D. Power Customer Satisfaction Score
631/1,000
Average Annual Premium
$826

pros
- High financial stability ratings
- Policy structure allows for significant customization
- Coverage options include farming-specific risks
cons
- Not available in every part of Utah
- Agent availability thins out in rural areas
Farmers costs $826 a year for Utah homeowners. Policies can be built out with add-ons to match specific needs, including earthquake and wildfire coverage for risks common in the state.

At $826 a year, the rate is 43% below the $1,454 Utah average and 76% below the national average of $3,467. Bundling home and auto or adding a security system reduces costs further.


Older Homes	$69	$833
Newer Homes	$56	$675
Young Homeowners	$70	$840
Senior Homeowners	$65	$784
High-Risk Fire Homes	$77	$925
Smaller Homes	$68	$811
Larger Homes	$70	$837

Farmers earned 631 out of 1,000 points in J.D. Power's study, 11 points below the 642 industry average. Local independent agents are familiar with Utah's market. The online platform covers policy management but lacks advanced mobile features.
Standard coverage with customizable add-ons:
- Dwelling coverage: Covers the home's structure
- Personal property coverage: Includes replacement cost options
- Liability coverage: Pays legal expenses if someone is injured on the property
- Additional living expenses: Covers temporary housing during repairs
- Natural disaster coverage: Includes earthquakes and wildfires
- Personal umbrella policy: Adds liability coverage beyond standard limits
- Identity theft coverage: Pays restoration costs and covers related expenses

Auto-Owners

MoneyGeek Rating

4.2/ 5

4.1/5Affordability

4.5/5Customer Experience

3.7/5Coverage

J.D. Power Customer Satisfaction Score
621/1,000
Average Annual Premium
$2,348

pros
- High AM Best financial ratings
- Broad agent network across the state
- Financial position to pay large claims without difficulty
cons
- Claims processing is slower than the industry average
- Digital tools trail most competitors
- Not available in every part of Utah
Auto-Owners costs $2,348 a year for Utah homeowners. Optional equipment breakdown coverage is available for appliance and system failures that standard policies exclude. Identity theft coverage is an add-on. It's a strong fit for homeowners who need specialized coverage options and want local agent support.

At $2,348 a year, the premium is 61% above the $1,454 Utah average but 32% below the national average of $3,467. Bundling home and auto or adding a security system reduces costs.


Older Homes	$196	$2,350
Newer Homes	$157	$1,884
Young Homeowners	$203	$2,430
Senior Homeowners	$180	$2,156
High-Risk Fire Homes	$219	$2,630
Smaller Homes	$144	$1,733
Larger Homes	$162	$1,943

Auto-Owners earned 621 out of 1,000 points in J.D. Power's study, 21 points below the 642 industry average. Local independent agents are familiar with Utah's market. The agent-focused model gives homeowners direct guidance, but digital tools are limited compared to online-first insurers.
Standard coverage with optional add-ons:
- Equipment breakdown coverage: Covers mechanical failures of home systems and appliances
- Identity theft coverage: Pays restoration expenses and fraud resolution costs
- Bundling discounts: Reduces premiums when combining home with auto or other policies
- Home security system discounts: Lowers rates for qualifying security and monitoring systems

Best Utah Home Insurance by City

American Family has the lowest rates in four Utah cities: Bountiful, Mexican Hat, Veyo and West Jordan. State Farm is cheapest in three: Provo, Salt Lake City and West Valley City.


Bountiful	American Family	$1,221
Mexican Hat	American Family	$1,207
Provo	State Farm	$1,117
Salt Lake City	State Farm	$1,127
Veyo	American Family	$1,169
West Jordan	American Family	$1,224
West Valley City	State Farm	$1,127

Cheapest Utah Home Insurance Companies

Utah homeowners pay $1,454 annually for home insurance, 58% less than the national average of $3,467. Farmers offers the state's most affordable home insurance at $826 annually, 43% below the state average. State Farm ranks second at $1,123 per year, 23% below the state average. Premiums vary among insurers. Auto-Owners represents the high end, charging 32% more than the national average.

Guide to Finding the Best Utah Home Insurance Company

Compare multiple providers based on your coverage needs, budget and service preferences.

Compare Quotes Strategically
Gather quotes from three to five insurers since annual premiums among Utah's top providers range from $826 to $2,348. Don't just shop by price. The cheapest policy might leave coverage gaps when you file a claim after severe weather or other covered losses.
Check Customer Satisfaction Metrics
Examine complaint ratios through the Utah Department of Insurance and review J.D. Power scores, which range from 621 to 737 among Utah's leading insurers versus the 642 industry average. Focus on recent customer reviews about claims handling during Utah's hailstorm season rather than just policy purchase experiences.
Evaluate Coverage Needs
Base your coverage on replacement cost rather than market value, especially important in Utah, where construction costs surge after hailstorms and flooding. Review extended or guaranteed replacement cost options along with optional protections like wind/hail coverage and flood insurance that address your home's specific risks.
Match Service Preferences to Provider Strengths
Digital-first insurers like Lemonade, Hippo and Root work well if you prefer online policy management, while State Farm, Farmers and Allstate offer strong local agent networks for face-to-face support. Align your preferences to avoid paying premium prices for services you won't use.

UTAH HOME INSURANCE RISKS

Utah logged more than 1,000 flood-related claims in 2022, making flooding the most common weather-related threat in the state according to the Insurance Information Institute. Standard homeowners policies exclude flood damage. Separate flood insurance is required, available through your insurer or the National Flood Insurance Program.

Top-Rated Home Insurance Companies in Utah: FAQ

Do I need separate earthquake insurance in Utah?

Standard homeowners insurance doesn't cover earthquake damage, and Utah sits in a seismically active region. State Farm and Farmers both offer optional earthquake coverage as add-ons to protect against this Utah-specific risk.

Can I get home insurance if I have a trampoline or swimming pool?

You can get home insurance with a trampoline or swimming pool, but insurers view these features as liability risks. Most companies will require higher premiums and specific safety measures like nets and padding for trampolines, plus fencing and self-closing gates for pools. Some insurers may exclude coverage entirely or demand additional liability protection. You'll need adequate liability coverage of at least $300,000 to protect yourself from potential accidents properly.

Does standard homeowners insurance cover flood damage in Utah?

No, standard homeowners policies exclude flood damage, and Utah experienced over 1,000 flood-related claims in 2022 alone. You'll need separate flood insurance through your insurer or the National Flood Insurance Program to protect against this common Utah weather risk.

What's the difference between replacement cost and actual cash value coverage?

Replacement cost coverage pays to rebuild your home or replace belongings at current market prices without factoring in depreciation. Actual cash value coverage deducts depreciation based on your property's age and condition, resulting in lower claim payments. While actual cash value policies cost less upfront, you'll pay more out of pocket when filing a claim.

Our Methodology: Determining the Best Utah Home Insurers

Utah homeowners deal with tornado risks, hurricane exposure and fluctuating construction costs. Our ranking system weighs affordable premiums, quality coverage and reliable claims handling.

Insurers are scored on three factors:

Affordability (55%): Rates for identical coverage were compared across major providers and discount availability was evaluated.
Customer Satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback measure how insurers handle claims after storm damage.
Coverage Options (15%): Add-on availability was assessed, including water backup coverage and inland flood options relevant to Utah's risk profile.

Our Sample Profile

Rates reflect a homeowner aged 41-60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible.

Your rates will vary based on your home's age, location, claims history and credit score.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

Read Full Bio »

Sources

Insurance Information Institute. "Insurance Information Institute." Accessed June 23, 2026.