Insurance
Homeowners Insurance in Utah
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Utah homeowners paid about $937 a year on average in 2022. That was the lowest of any state in the country, about $630 below the U.S. average of $1,569.
But that low price covers a standard policy, and a standard policy doesn't cover earthquakes. Along the Wasatch Front, scientists estimate a 43% chance of at least one magnitude 6.75 or larger earthquake in the next 50 years. Here's what that means for your coverage, plus a flood gap most Utahns don't expect.
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The earthquake gap
Many of Utah's biggest cities sit on or near the Wasatch Fault. The Utah Insurance Department notes that about 500 earthquakes happen in the Wasatch Front region each year. Most are small, but even moderate ones can crack foundations and chimneys.
Earthquake insurance is separate. You can add it to your homeowners policy as an endorsement or buy a separate policy. It can cover your house, attached structures, your belongings, and the cost of living elsewhere while repairs are made.
How the deductible works
This is the part to understand before you buy:
- It's a percentage of your coverage limit, not of the damage. Base deductibles are usually 5%, 10%, or 20%.
- It usually applies to each coverage separately.
Example: your home is insured for $400,000 with a 10% earthquake deductible. That's $40,000 before the policy pays on the house. If your belongings and living expenses are also claimed, each may have its own deductible.
Ask whether your insurer uses one combined deductible or separate ones. It can make a big difference.
Don't wait for the shaking
- New earthquake policies usually have a waiting period of 10 to 30 days.
- After a quake, insurers often stop selling new earthquake coverage in the area for a while.
The flood gap: it's not just near rivers
More than 70% of Utah's flooding in recent years happened outside official high-risk flood zones. Snowmelt, heavy storms, overwhelmed drains, and broken water mains outside the home can all flood a basement, and most homeowners and renters policies don't cover it.
- A flood policy usually takes 30 days to start.
- You don't need to live in a flood zone to buy one. Call the NFIP Help Center at 877-336-2627 or ask your agent.
See flood insurance.
After a disaster: what Utah's Insurance Department advises
- Make temporary repairs to stop more damage, and keep receipts.
- Don't throw out damaged belongings until the adjuster has seen them. Many policies pay storage costs.
- Your car in the garage? That's an auto insurance claim, not a home claim.
- Public adjusters must be licensed in Utah, and you pay their fee. Check references first.
- Stuck in a dispute? The Insurance Department can help you see whether mediation or arbitration fits. Call 801-957-9200 or 800-439-3805.
What changes your price in Utah
- Your home's age, construction, and rebuild cost
- Your deductible
- Add-ons like earthquake and flood coverage
- Wildfire exposure near the foothills
- Your claims history
Not a quote or an offer. Your price comes from the insurance company.
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