Utah Home Insurance Agent Near You
Are you considering purchasing your first home in Utah? Or, perhaps you're curious about what other home insurance companies in the area can offer in terms of rates? Whether you're a first-time homeowner or just exploring options, if you're looking for a "top-rated homeowners insurance agent near me" in Utah, you've come to the right place! Keystone Insurance works with many of the largest insurance providers in Utah to write home insurance policies. With offices located in both Provo and Payson, we ensure you always have an agent nearby for easy access and assistance. We're here to answer all your questions. Call us today for a free quote, or use our online quoting tools below to get started.
Keystone Insurance Services was recognized as one of the top home insurance providers in Provo, Utah, in 2021 by Expertise.com.
How Much Home Insurance Cost in Utah?
Whether you're a renter, condo owner, or a homeowner in Utah, your home insurance policy will be similar, with some differences based on your type of residence. For example, renters will still receive Personal Liability and Personal Property coverage, but coverage for the home itself is generally excluded and the landlord's responsibility. Here are some typical rates for a newer home in Utah with standard coverage and favorable underwriting criteria (not located in the mountains, etc.):
- Renters Insurance: (HO4) $120 per year
- Condo/Townhome Insurance (HO6) $200 per year
- Homeowners Insurance (HO3) $399-699 per year
Get a Price for Home Insurance with our Quote Forms
Looking for coverage? Click the following links to submit a quote for fast, accurate, and affordable rates:
Utah Home Insurance Information
The Basics of Homeowners Insurance
A standard homeowners insurance policy provides financial protection for the structure of your home and your personal possessions in case of disaster.
This package-style policy covers both damage to your property and liability (or legal responsibility) for any third-party injuries or property damage that occurs on your property, or as a direct result of your actions, including incidents caused by pets.
However, while many natural disasters are covered, floods and earthquakes are excluded, requiring additional policies.
The price of your home insurance policy will depend on the specific options you choose:
- Options selected - The cost will vary based on coverage options (basic, flood, earthquake, etc.).
- Coverage amount - Higher deductibles often lower premiums. Ask one of our agents for quotes with varying deductible amounts to get a more complete price range.
Why is Homeowners' Insurance Important?
Homeowners insurance is crucial for protecting one of your largest investments-your home. Here's why it matters:
- If a fire or natural disaster damages your home, the repair or replacement costs could run into the thousands.
- If a visitor is injured on your property, their medical expenses could quickly add up.
- In the event of theft or vandalism, the losses could be financially overwhelming.
- If you're financing your home, your lender will likely require homeowners insurance.
Examples of what home insurance covers include:
- Repairs to your home and belongings: If a storm causes a tree to fall on your roof and subsequent water damage, home insurance would cover the repairs to your home and personal items like electronics.
- Pays for injuries or property damage caused by your actions: If your child breaks your neighbor's window, your home insurance would pay for the repairs.
- Temporary living expenses: If your home is damaged (e.g., due to fire), home insurance can cover hotel stays and other living costs until your home is livable again.
It's important to note that home insurance covers unexpected damage, not routine maintenance. Our agents are happy to help you find a policy that fits your needs.
What to Discuss With Your Insurance Agent
Before you buy homeowners insurance, be ready to discuss the following with your independent agent:
- The value of your home and belongings to determine adequate coverage limits.
- Discounts you may be eligible for, such as those for security systems, fire resistance, or bundling policies.
- The claims process and how to file a claim if necessary.
- The provider's reputation for customer service and their ability to pay out claims.
Home Insurance Rates
The cost of home insurance can vary due to several factors. For example, Bear River Mutual, a Utah-based company, only insures homes within the state. This local focus helps keep their rates lower, as they aren't affected by claims from homes in high-risk areas, like hurricane or tornado zones.
Home Inventory
Creating an inventory of your home and belongings can speed up the claims process if you ever need to file a claim. Consider making a detailed list, along with photos or even videos of your items, and store this information somewhere outside your home for safekeeping.
Read our Reviews
"Although I work exclusively with Jason Rivera, the entire staff and management at Keystone are polite, professional, and very personable. I have my own auto and home insurance with them and refer friends, family, and colleagues at every opportunity."
Rating: 5/5 ⭐⭐⭐⭐⭐
Keith Morgan
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Call Us Today
We offer a wide range of insurance services from leading providers including Safeco Insurance, Bear River Mutual, Progressive, and several others. Contact us today for a free homeowners insurance quote, or fill out one of our online forms. We have offices in Orem / Provo and Payson, UT, so when you choose Keystone Insurance you’ll always have a homeowner's insurance agent nearby.