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The Best Homeowners Insurance Companies in Utah

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    Utah homeowners enjoy low home insurance rates, about 43% below the national average. Our top Utah homeowners insurance company picks – Acuity, American Family, Auto-Owners, and Nationwide – all offer standard policies with a comprehensive collection of coverages. They also provide a nice collection of optional coverages to enhance protection of your home and its contents.

    To determine the best homeowners insurance companies in Utah, we conducted an exhaustive search, analyzing each company’s coverages, customer service record, discounts, financial ratings, market share, and rates.

    The 4 Best Homeowners Insurance Companies in Utah

    Compare Utah’s Top Insurance Companies


    Average PriceAM Best Financial StrengthJ.D. Power Overall Customer Satisfaction
    Acuity$473A+NA
    American Family$403A821/1,000
    Auto-Owners$635A++843/1,000
    Nationwide$433A+808/1,000

    Best Utah Homeowners Insurance Companies

    Acuity

    Based on our research, Acuity offers some of the lowest homeowners rates in Utah. The insurer also scores well in financial strength ratings and enjoys a great Better Business Bureau rating, with few customer complaints. Acuity provides great basic home insurance, a few discounts to lower your rate, and a handful of optional coverages. We particularly like Acuity’s service line endorsement.

    Acuity Insurance

    Service Line Endorsement

    Why we chose it

    Several Utah home insurance companies offer great optional coverages. But Acuity’s service line endorsement provides protection that many insurers don’t offer. The optional coverage pays up to $10,000 for damages to electrical, sewer, and water systems caused by electrical current, freezing, mechanical breakdown, tree roots, wear and tear, and more.
    • N/A Reviews Score
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • N/A J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Several Utah home insurance companies offer great optional coverages. But Acuity’s service line endorsement provides protection that many insurers don’t offer. The optional coverage pays up to $10,000 for damages to electrical, sewer, and water systems caused by electrical current, freezing, mechanical breakdown, tree roots, wear and tear, and more.

    Pros

    • Great online resources for homeowners
    • Variety of payment plan options
    • Good rates

    Cons

    • Few discounts
    Read More

    Discounts available

    • Up to a 20% discount when you buy auto and home insurance
    • Fire protection system discount
    • Mature homeowner discount

    Unique features

    Acuity’s service line coverage can save you a bundle of money if a sewer line breaks beneath your front yard, lightning fries your home’s electrical system, or frozen pipes wreck a kitchen appliance.

    *J.D. Power 2020 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale.

    American Family

    American Family rewards long-time policyholders with loyalty discounts and offers savings up to 29% for bundling car and homeowners policies. Comprehensive coverage and the lowest rates in Utah make American Family a great choice for new homeowners. In the 2020 J.D. Power Home Insurance Study, American Family scored right around the industry average. The carrier has a firm financial foundation, but it doesn’t offer home insurance in all states.

    American Family

    Great for New Homeowners

    Why we chose it

    American Family provides reliable homeowners insurance with options to purchase extra coverage to fully customize policies. American Family is a particularly great option for new homeowners because of its resources for first-time homeowners insurance buyers. If you live in a state where American Family is available, consider including American Family as you begin to gather quotes.
    • 3.75 Reviews Score
    • A AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 821* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    American Family provides reliable homeowners insurance with options to purchase extra coverage to fully customize policies. American Family is a particularly great option for new homeowners because of its resources for first-time homeowners insurance buyers. If you live in a state where American Family is available, consider including American Family as you begin to gather quotes.

    Pros

    • Useful digital tools
    • Extensive coverage options
    • Plenty of advertised discounts

    Cons

    • Average customer service
    • Limited availability
    Read More

    Discounts available

    • Up to a 29% discount when bundling auto and homeowners policies
    • Renovated home discount
    • Loyalty discount

    Unique features

    Most major home insurance carriers offer optional coverage, but American Family provides a couple that some insurers don’t offer. Equipment breakdown coverage can help pay to replace electrical and mechanical home systems. American Family’s matching siding protection pays up to $20,000 to replace undamaged siding when other sections of siding need replacing due to a covered loss.

    *J.D. Power 2020 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale.

    Further Reading on American Family:

    Auto-Owners Insurance

    Auto-Owners ranked No. 3 in the 2020 J.D. Power Home Insurance Study, with a customer satisfaction rating of 843 out of 1,000. The provider has earned fantastic credit and consumer ratings, and it offers standard homeowners policies that include all the coverages many homeowners need. But we’re most impressed with Auto-Owners’ optional coverages, which can save you a bundle of money when you need them.

    Auto-Owners

    Great Optional Coverages

    Why we chose it

    Many homeowners insurance companies provide optional coverages to enhance your standard home insurance policy. But Auto-Owners goes the extra mile with guaranteed replacement cost coverage, which pays to rebuild your home, even if costs exceed your coverage limit, and ordinance of law coverage, which restores your home to current building code following a covered loss. We like Auto-Owner’s equipment breakdown coverage, which helps cover the cost of replacing faulty home systems.
    • 4 Reviews Score
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 843* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Many homeowners insurance companies provide optional coverages to enhance your standard home insurance policy. But Auto-Owners goes the extra mile with guaranteed replacement cost coverage, which pays to rebuild your home, even if costs exceed your coverage limit, and ordinance of law coverage, which restores your home to current building code following a covered loss. We like Auto-Owner’s equipment breakdown coverage, which helps cover the cost of replacing faulty home systems.

    Pros

    • Customer satisfaction rating
    • Sound financial ratings
    • Good selection of optional coverages

    Cons

    • Higher rates than some carriers
    Read More

    Discounts Available

    Unique Features

    Auto-Owners’ optional coverages give you additional protection for your home and belongings. Identity theft expense coverage covers up to $15,000 in identity theft expenses when a thief assumes your identity to commit fraud. Auto-Owners’ Home Plus option covers food spoilage costs after a power outage and can help pay for damages caused by leaking appliances.

    *J.D. Power 2020 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale.

    Further Reading on Auto-Owners Insurance:

    Nationwide

    Nationwide has insured generations of homeowners across the United States. The carrier’s standard policies include credit card and ordinance of law coverage, which most providers only offer as endorsements. But Nationwide also extends several discounts to help you reduce your rate. The provider’s diverse discount programs make it possible for you to qualify for multiple savings.

    Nationwide

    Great Discounts

    Why we chose it

    We like Nationwide’s low rates and good financial ratings, but we’re particularly impressed with the provider’s discounts. Like many carriers, Nationwide offers multi-policy discounts for policyholders who buy auto and home insurance, as well as claims-free discounts for folks who don’t file claims. But Nationwide also extends discounts to homeowners who live in gated communities and families who purchase a new home or renovate the one they already own.
    • 3.75 Reviews Score
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 808* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    We like Nationwide’s low rates and good financial ratings, but we’re particularly impressed with the provider’s discounts. Like many carriers, Nationwide offers multi-policy discounts for policyholders who buy auto and home insurance, as well as claims-free discounts for folks who don’t file claims. But Nationwide also extends discounts to homeowners who live in gated communities and families who purchase a new home or renovate the one they already own.

    Pros

    • Good rates
    • Great discounts
    • Credit card coverage included

    Cons

    • Below-average customer satisfaction rating
    Read More

    Discounts available

    Unique features

    Nationwide gives you several ways to save on your homeowners premium. Your home can qualify for a discount if it features a qualified roof surface, and you can earn a greater savings if it’s equipped with protective devices, like a burglar alarm and smoke detectors.

    *J.D. Power 2020 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale.

    Further Reading on Nationwide:

    Average Cost of Homeowners Insurance in Utah

    Utahns pay some of the cheapest homeowners insurance rates in the nation: $692 per year on average. That’s about 43% lower than the national average, based on 2019 National Association of Insurance Commissioners data. Only Oregonians have a lower average. By comparison, Coloradans pay a whopping $1,495 average annual homeowners premium, while Nevada homeowners pay around $755 per year.

    Home Insurance Add-Ons That Will Further Protect You

    Utah homeowners living in some areas should consider purchasing earthquake and flood coverage, which most standard homeowners policies don’t include.

    In 2010, Utah’s Virgin River overflowed its banks after four days of relentless rain, causing damage in Zion National Park and Washington, Utah, according to the National Weather Service.

    Since it was settled in the mid-1800s, Utah has experienced nearly 20 earthquakes greater than 5.5 magnitude, according to the Utah Geological Survey, making earthquake coverage a good consideration.

    The Cheapest Homeowner Insurance Companies in Utah

    Homeowner Insurance CompaniesAverage Annual Premium
    American Family Insurance $403
    Mutual of Enumclaw Insurance$430
    Nationwide$433
    Acuity$473
    Metropolitan Insurance$528
    Auto-Owners Insurance$635
    Farmers$704
    USAA$758
    Garrison Property and Casualty Insurance$789
    State Farm$828
    Encompass$1,136
    Average Annual Premium Across Companies$647

    Cost of Homeowners Insurance by Age of Home

    Age of Home (years)Sample Annual Premium
    0-5 years$628
    5-20 years$903
    20-35 years$925
    35-50+ years$914
    Average Annual Premium Across Ages$843

    Top 3 Cheapest Homeowners Insurance Companies in Utah 

    • American Family Insurance – $403
    • Mutual of Enumclaw Insurance – $430
    • Nationwide – $433

    Top 3 Most Expensive Homeowners Insurance Companies in Utah

    • Encompass – $1,136
    • State Farm – $828
    • Garrison Property and Casualty Insurance – $789

    Helpful Resources for Utah Homeowners

    The U.S. Department of Housing and Urban Development offers several programs for Utah homeowners and homebuyers. The Department sponsors rural and urban housing programs and can help homebuyers find conventional and FHA loans.

    The Community Development Corporation of Utah provides down payment assistance and homebuyer services. CDCU also purchases foreclosed homes, renovates them to meet current building code, then places them on the market for qualified buyers.

    Homeowners Insurance FAQ 

    Is homeowners insurance required in Utah?

    Utah law doesn’t require you to buy home insurance. But if you finance a home, the lender will require you to buy a homeowners policy. It’s also just a good idea, generally. Homeowners insurance protects your assets. If a fire or other calamity destroys your home and belongings, you’ll end up paying out of pocket if you don’t carry home insurance.

    What is the cheapest homeowners insurance in Utah?

    Based on our research, American Family Insurance offers the lowest homeowners rates in Utah, with average annual premiums of around $403. However, homeowners rates are based on several factors, including your home’s location, construction type, proximity to a fire station, and age. For the most accurate rates, contact a few insurers and request quotes.

    Methodology

    We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best providers. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:

    • Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
    • Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available. 
    • Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
    • Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.

    About the Authors

    Michael Evans

    Michael Evans Contributing Writer

    Michael Evans is a freelance finance writer. His work has been published by Bankrate, Fox Business, The Guardian and Yahoo Finance.

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