Utah Home Insurance Agent Near You
Are you thinking of purchasing your first home? Or, do you just want to know what rates other home insurance companies can offer? Regardless of the situation, if you find yourself looking for a "top-rated homeowners insurance agent near me", you've come to the right place! Keystone Insurance writes home insurance policies for most of the largest insurance brands in Utah. We have offices in Provo and Payson so you'll always have an agent nearby. We're here to answer any of your questions. Call us today for a free quote, or use one of our online quoting tools below.
Keystone Insurance Services was voted as one of the top home insurance providers in Provo Utah in 2021 by Expertise.com
Get a Price for Home Insurance with our Quote Forms
Looking for coverage? Click any of the following links to submit a quote for quick, 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 the possessions within it in the event of a disaster.
The package-style policy covers both damage to your property and your liability (or legal responsibility) for any third-party injuries and property damage that occur on your property or as a direct result of your actions, including damage caused by pets.
Though many disasters are covered by your homeowner's insurance, floods and earthquakes are excluded and will require additional policies.
Your home insurance policy is made up of the specific options chosen. The price of your home policy depends on:
Options selected – Home insurance cost depends on the coverage options you select (basic, flood, earthquake, etc.).
How much to cover – Higher deductibles will tend to lower your premium price. Ask one of our agents for prices that include different deductible amounts to get a more complete range of prices.
Why is Homeowners' Insurance Important?
- Homeowners insurance provides financial protection in the event that something unexpected happens to your home or belongings. Your home is likely one of your largest investments, making it important to protect for these reasons:
- If a fire or other natural disaster damages your home, repair or replacement expenses can cost thousands of dollars.
- If a visitor is injured on your property, his or her medical bills can add up quickly.
- If you become a victim of theft or vandalism, the losses can be costly.
- If you are financing your home, your lender will likely require you to buy homeowners insurance.
Examples of what home insurance would cover include:
Repairs to your home and belongings: Home insurance would pay for the damage to your roof and electronics if a storm caused a tree to fall on your house and rain caused further water damage to the interior.
Pays for someone else's injuries or property damage when it is your fault: Home insurance could pay if your child accidentally breaks your neighbor's window.
Pays for temporary living expenses when your home is damaged: Home insurance would pay for additional living expenses, i.e. a hotel stay during repairs to your home because it sustained fire damage.
Remember, homeowners insurance is designed to cover unexpected damage; all routine maintenance is your responsibility. Our agents are happy to discuss homeowners insurance with you in more detail and help you find a policy that meets your needs.
What to Discuss With Your Insurance Agent
Before buying homeowners insurance, be prepared to discuss the following with your independent insurance agent:
- The value of your home and belongings to determine coverage limits
- Discounts you may qualify for, such as security, fire resistance, and multi-policy
- The procedure for filing a claim
- The insurance provider’s reputation for customer service and ability to pay claims
Home Insurance Rates
The cost of home insurance varies based on many factors. Bear River Mutual is a Utah-based company that only insures homes in Utah. This makes it so their insurance rates aren't built based around claims for homes that are in hurricane zones or tornado-prone areas. This is part of what keeps them from having to charge so much for home insurance.
Home Inventory
Making an inventory of your house and personal belongings can expedite a home insurance claim. If possible, make a list as well as take photos or even videos. Keep this list somewhere other than inside our home.
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
Read more of our 580+ reviews on Google!
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.