Utah Home Insurance

When you buy a home insurance policy, you are actually buying several individual coverages. Each coverage protects you against different types of losses. A brief description of the five basic coverages is provided here.

Dwelling - Protects your house, detached garage and storage sheds from fire, hail, windstorm, vandalism.

Contents - Protects furniture, clothing, and other personal belongings.

Additional Living Expenses - Pays for extra expenses you have for lodging, food, and other items if disaster forces you from your home.

Liability - Protects you when you or one of your family unintentionally injures someone or damages their property.

Medical Payment - Pays the bills for others injured while on your property.

To get an accurate quote, you will usually need this information:

Coverage and limits you want

Description of your home

Loss history

Square footage

Fire and security devices

Questions To Ask

How much would I save if I increase my deductible?

What is not covered?

Is my coverage replacement cost or actual cash value?

Does coverage include water damage or sewer back-up?

Does the policy cover my jewelry, antiques, or special collections?

What other special coverages are available?

What proof do I need in case of a loss?

There are a variety of insurance companies that provide home insurance in Utah. By requesting a quote, I will shop the Utah market for the insurance company that suits your needs best.

UtahInsurance.org works with the following companies: