Fruit Heights Insurance Rates:

Fruit Heights, UT home insurance is approximately $434 to $591, about $36-$49/month. Our exhaustive analysis reveals consumers can save as much as $204 by getting multiple quotes

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Fruit Heights Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $270/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $440,000

5 Beds, 5 Baths 2640 sqft Rental Property Constructed In 1990 with Wood Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $210/6 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Baths 1730 sqft Rental Property Constructed In 2012 with Hardwood Flooring, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Married Female who is Unemployed and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $350/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $305,000

4 Beds, 4 Baths 2030 sqft Vacation Property Constructed In 1993 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Fireplace, Deadbolt Locks, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

50 Years old Single Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $210/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 1740 sqft Primary Residence Constructed In 2010 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Single Male who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $460/7 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $470,000

5 Beds, 5 Baths 3650 sqft Rental Property Constructed In 2008 with Hardwood Flooring, Tile Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Married Female who is Retired with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $240/3 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $335,000

4 Beds, 4 Baths 2300 sqft Rental Property Constructed In 2014 with Stone Flooring, Tile Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $890/10 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $370,000

4 Beds, 4 Bath 2570 sqft Vacation Property Constructed In 2011 with Hardwood Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Indoor Sprinklers, Fireplace, Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

51 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $890/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $505,000

5 Beds, 5 Baths 3720 sqft Primary Residence Constructed In 1982 with Wood Flooring, Wood Shake Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Fireplace, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

23 Years old Married Female who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $520/8 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $390,000

4 Beds, 4 Baths 3080 sqft Vacation Property Constructed In 1993 with Hardwood Flooring, Tile Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $260/5 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

4 Beds, 4 Bath 2290 sqft Primary Residence Constructed In 2010 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

25 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Fruit Heights Rates & Quotes Analysis:

Fruit Heights Area Estimated House Insurance
1350, Pheasant View Dr, Deer Crest Cir, E Mutton Hollow Rd, E Bourne Ct, E 370 S, S Frontage Rd W, Liston Cir, Majestic St, 100E$528
W Clover Meadow Rd N, James Dr, 1375, 185 E, 1750, W Farmington Dr N, S 25 E, E Ward Rd N, 175 E, Oakmont Rd$523
N 30 E, N Mountain Rd, Woodland Dr, S 1750 E, Virginia Cir, 1325, N 350 E, 500, N Robyn Way, Mountain Side Dr$513
S 25 W, N 3250 E, Spencer Way, N Devon Dr, Mahogany Dr, Willow Wood Ln, S Palos Verdes Dr, E Park Dr, N 30 W, 1750$502
Corral Dr, 340, W 2060 N, N Winston Dr, Richards Way, Alice Ln, Coventry Cir, W 450 S, N Delene Bowman Dr W, Sterling Dr$524

Insurance rates are influenced by a number of factors including:

  • Year Built: 400 Homes (28% of total) built between 1970 to 1979 in Fruit Heights are paying home insurance between $829-$837 compared to Emigration Canyon (+$125), Wolf Creek (+$33), Ogden Valley (+$18), Layton (-$29) and Centerville (-$11).
  • Bedrooms: 272 3 bedrooms homes (19% of total homes ) in Fruit Heights are paying about $323. Areas near to Fruit Heights such as Emigration Canyon, Wolf Creek, Ogden Valley are costlier by $49, $13, $7 respectively whereas Layton and Centerville are more economical by $11, $4 respectively for similar homes.
  • Auto Insurance Bundling: 593 Households (43% of all households) in Fruit Heights have 2 vehicles available and when it is bundled with home insurance you can save $102 compared to Kaysville ($101), Farmington ($102), Layton ($98).
  • Senior Discounts: 592 seniors (more than 55 years) occupied housing units (43% of total) in Fruit Heights get discounts between $76 to $79 and varies from Kaysville ($76), Layton ($74), Centerville ($75).
  • New Homes discounts: New homes such as the 535 homes built between 2000 to 2009 in Fruit Heights can save $102 compared to Kaysville ($101), Farmington ($102), Layton ($98).

Fruit Heights Homeowners insurance Facts

  • Fruit Heights, UT has 1,356 owner occupied houses which is 96.9% of all units whereas Kaysville, Farmington and Layton have 87.37%, 83.34% and 74.99% respectively.
  • Fruit Heights, UT homeowners yearly insurance price at $512 is 0.18% of the typical house value of $290,800 which is in contrast with 0.19% in Kaysville, 0.18% at Farmington & 0.24% in Layton.
  • Homeowners in Fruit Heights, UT pay 1.58% of their income ($30,000 to $34,999) in insurance whereas homeowners in Kaysville, Farmington and Layton pay 1.56%, 1.58% and 1.52% respectively.
  • Fruit Heights, UT’s insurance is 2.1% of monthly housing costs of $2,061/month, for owners with a mortgage compared to 2.4% in Kaysville, 2.36% at Farmington & 2.82% in Layton. But, for households without a mortgage, insurance is 8.7% of costs ($490 in Fruit Heights, UT) in contrast with 11.11% in Kaysville, 9.42% at Farmington & 10.69% in Layton.

Fruit Heights, UT Home Values & Insurance rates

For example, insurance for 343 Homes (33.0% of total homes ) valued between $250,000 to $299,999 in Fruit Heights, UT is about $481. Rates in nearby areas in such as Mountain Green, Wolf Creek, Ogden Valley are cheaper by $4, $98, $63 respectively while Kaysville and Farmington are costlier by $32 and $5 respectively for similar homes.

Fruit Heights, UT Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 114 11.0% $40
$150,000 to $174,999 67 6.0% $281
$175,000 to $199,999 38 3.0% $327
$200,000 to $249,999 171 16.0% $394
$250,000 to $299,999 343 33.0% $481
$300,000 to $399,999 288 27.0% $614

Renters Insurance in Fruit Heights

  • Average Renters Insurance in Fruit Heights :  $98($8/month)

  • Median Gross Rent in Fruit Heights :  $863

  • Fruit Heights Renters Insurance to Median Rent Ratio:  0.93%

  • Average household size of renter-occupied unit :  4.48

Fruit Heights Renters Insurance as a Percentage of Rent

Fruit Heights Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 12 27.0% $1899
$750 to $999 16 36.0% $2649
$1,000 to $1,499 8 18.0% $3774
$1,500 or more 8 18.0% $5424

Rent Affordability in Fruit Heights:

Approximately 52.0% (23) of households are spending more than 35% of their income on gross rent in Fruit Heights

Occupied units paying gross rent Total Households % of Total
15.0 to 19.9 percent 12 27.0%
25.0 to 29.9 percent 9 20.0%
35.0 percent or more 23 52.0%

Fruit Heights Renters Insurance Discounts:

Fruit Heights Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Fruit Heights, UT Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 15 34.0% $9.8
2 vehicles available 29 65.0% $14.7

Fruit Heights Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 7 15.0% $86
60 to 64 years 12 27.0% $69

Protective device discount in Fruit Heights Up to :  $14

Claims-free discount in Fruit Heights Up to :  $19