Best Homeowners Insurance In Utah For 2024

We rated State Farm as the best insurer thanks to its expansive agent network in Utah, high customer satisfaction levels, and low premiums. Its strong J.D. Power ratings for service are crucial, especially given the presence of agents and claims offices in Utah, particularly after severe storms like tornadoes.

You can select a basic homeowners policy with State Farm and personalize it with extra coverage options, including rebuilding coverage for updated legal codes, identity theft protection, and insurance for valuables such as jewelry and collectibles. State Farm’s A++ rating from AM Best highlights its strong financial stability.

To get a State Farm quote, you can begin online, though you’ll need to work with a local agent to complete your purchase. Policyholders can access accounts, file claims, and sign up for paperless billing on the website or mobile app. The site also offers a resource library for insurance education.

With 11 home insurance discounts, Allstate outdoes the industry average of seven. Upon analysis, I found some of these discounts to be notably unique.

Allstate presents the following discounts:

Claims Forgiveness: A protection that ensures your rates remain unchanged even after filing a claim.

Claims-Free: If no claims are filed, you’ll earn 5% back when your policy renews.

Deductible Reward: Enjoy a $100 reduction on your deductible just for signing up.

Bundle: When you combine home and auto insurance, you can save up to 25%.

Automatic Payment: Set up automatic payments and receive a 5% discount.

Loyalty: You can receive up to a 10% discount for your ongoing coverage with Allstate.

Home Buyer: You can get a discount if you’ve just bought a new home.

New Home: Qualify for a discount if your home was recently built.

Responsible Payment: Save more when you have a record of responsible payments.

Early Payment: Enjoy up to 10% off by buying your new policy a week ahead of your current policy’s expiration.

Protective Device: Receive a price reduction for adding protective devices like fire and theft alarms.

With nine optional homeowners insurance coverage types, Allstate nearly doubles the typical industry average of five. Besides standard options like identity theft protection and scheduled personal items, they provide a distinctive yard and garden coverage that enhances limits for replacing landscaping and lawn equipment like riding mowers.

Farmers takes the lead not just for its perks, but also for its excellent “online experience,” where it communicates these perks and discounts to both existing and potential customers effectively. The perks include:

• Guaranteed Replacement Cost: Farmers will pay the full cost to reconstruct your home, no matter the final expense.
• Claim Forgiveness: Stay claim-free for five years with Farmers, and filing a claim won’t result in higher premiums.
• Multi-Policy Savings: Save up to 34% on home insurance by combining it with other policies through Farmers.
• Declining Deductible: Each year your policy is in place, Farmers will credit you $50 to lower your deductible.
• Claim-Free Discount: Farmers offers a discount on your home insurance after three claim-free years.

The 9.3/10 score reflects Farmers’ lower J.D. Power ratings for customer satisfaction when it comes to policyholder service.

Despite Nationwide’s A+ (Superior) financial rating from AM Best, its customer satisfaction scores are low, based on various negative online reviews. Still, it has a large network of local agents in Utah with many offices.

With Nationwide’s standard policy, homeowners are covered for uncommon risks like credit card fraud and receive ordinance or law coverage for rebuilding to code, features that many other insurers don’t provide.

Better Roof Replacement is one of the options you can add to your policy, covering the cost of higher-quality roofing materials if a qualifying event requires your roof to be replaced.

With Brand New Belongings, you’re covered for replacement cost. Initially, you’ll be compensated for the depreciated value of damaged items, and after purchasing new ones, you can send receipts to Nationwide to get reimbursed for the cost difference.

In Utah, Chubb offers some of the most affordable home insurance options specifically for high-value homes. Their competitive premiums are complemented by extended replacement cost coverage, meaning your items can be repaired or replaced even after they’ve depreciated. Chubb is also well-known for its solid financial standing and excellent customer service.