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:

  • Allied
  • Allstate
  • Auto Owners
  • Burns & Wilcox
  • Chubb
  • Colorado Casualty
  • Encompass
  • Safeco