Provo Insurance Rates:

Provo, UT home insurance is nearly $420 to $570, about $35-$47/month. Our comprehensive analysis reveals consumers can save as much as $198 by comparing multiple quotes

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Provo Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $130/4 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $305,000

3 Beds, 3 Bath 2230 sqft Vacation Property Constructed In 1997 with Hardwood Flooring, Shingles Roof, Piers Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Swimming Pool, Fireplace, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

60 Years old Single Female who is a Freelancer with household income of $100-$150,000 and has 3 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 $450/8 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $320,000

4 Beds, 4 Baths 2430 sqft Seasonal Residence Constructed In 1972 with Hardwood Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Swimming Pool, Central Air Conditioning, Copper Water Pipes, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

74 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $240/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $355,000

4 Beds, 4 Baths 2680 sqft Primary Residence Constructed In 1974 with Linoleum, Slate Shingles Roof, Slab Foundation, Brick siding, Brick Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Indoor Sprinklers, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $710/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $305,000

3 Beds, 3 Bath 2180 sqft Vacation Property Constructed In 1976 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Provo, UT Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
84604 $276,700 $510
84601 $176,200 $490
84606 $172,900 $490

Provo Rates & Quotes Analysis:

Provo Area Estimated House Insurance
Apache Ln, N Marina Dr, E 3450 North St, W 620 North St, W 850 S, N 1120 W, Sheffield Dr, E 820 North St, W 1450 S, E 1070 S$485
N 1270 W, 470 North St, S 890 East St, E 2500 N, 4130 N, N 1080 E, W Parkway Cir, E Oregon Ave, N 2700 North St, E 1450 South St$492
W 890 North St, W Casi Way, N 2370 W, W 2050 North St, E Cottage Cove, E 3950 North St, E 3700 N, Rock Creek Rd, Summit Dr, N 1550 W$519
E 780 South St, 1990 N, W 2050 N, W 420 South St, E 2050 N, E 620 N, S Turnbuckle Rd, Scenic View Dr, Green Canyon Rd, W 410 S$486
W 1350 S St, W 1560 S, N 125 West St, E Apple Ave, E 2620 North St, W 1970 North St, S 1540 East St, W 3960 N, E 1850 North St, W Heather Ln$506
Brickerhaven Dr, N Iroquois Dr, Fox Point Dr, S 430 W, W 460 N, E 4320 N, S 1920 W, Provo Canyon Rd, E 1130 S, S Terrace Dr$493
S 1420 East St, Holiday Hills Rd, E 2570 North St, E 880 North St, Riverside Ave, Wesson Dr, E 3200 North St, Silver Lake Cabin Road Left, Oakcrest Ln, Cottonwood Ln$508
W 3300 North St, 2750 W, E 1230 North St, E Osmond Ln, W 1435 S, N 2830 W, S 940 West St, Reese Dr, N Oak Hills Cir, S 2530 W$497
E 2300 North St, W 1320 N, W 2230 North St, W Ferruginous Way, Teton Dr, Elkhorn Cir, E 1980 North St, E 25 South Aly, N Edgewood Dr, N 2670 W$508
W 4600 N, S 1850 W, Fairfax Dr, N University Pkwy, 465 West St, Cherry Cir, E 2500 North St, Park Ridge Way, 3110 W, N 390 E$515

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,124 Homes (21% of total homes ) built between 1970 to 1979 in Provo are paying home insurance between $802-$809. Places close to Provo, UT such as Palmyra, Vineyard, Lindon are more expensive by $45, $10, $42 respectively while Payson and Rocky Ridge are cheaper by $10 and $13 respectively for similar homes.
  • Bedrooms: 9,073 3 bedrooms homes (27% of total homes ) in Provo are paying about $312 compared to Palmyra (+$18), Vineyard (+$4), Lindon (+$17), Payson (-$3) and Rocky Ridge (-$5).
  • Auto Insurance Bundling: 4,099 Households (30% of all households) in Provo have 3 or more vehicles available and when it is bundled with home insurance you can save $123. Discounts for similar bundling in close by locations such as Provo-Orem, Orem, Springville come to $123, $123, $123 respectively.
  • Senior Discounts: 5,752 seniors (more than 55 years) occupied housing units (42% of total) in Provo get discounts between $74 to $76 and differs from Provo-Orem ($74), Springville ($73), Palmyra ($78).
  • New Homes discounts: New homes such as the 13,822 homes built between 2000 to 2009 in Provo can save $99 and similar new home insurance discounts in nearby towns and cities like Provo-Orem, Orem and Springville are $99, $99 and $98 respectively.

Provo Homeowners insurance Facts

  • Provo, UT has 13,466 owner occupied houses which is 42.5% of all units whereas Provo-Orem, Orem and Springville have 51.39%, 62.11% and 75.36% respectively.
  • Provo, UT homeowners yearly insurance price at $495 is 0.24% of the typical house value of $210,300 which is in contrast with 0.24% in Provo-Orem, 0.24% at Orem & 0.24% in Springville.
  • Homeowners in Provo, UT pay 0.66% of their income ($75,000 or more) in insurance whereas homeowners in Provo-Orem, Orem and Springville pay 0.66%, 0.66% and 0.66% respectively.
  • Provo, UT’s insurance is 2.9% of monthly housing costs of $1,413/month, for owners with a mortgage compared to 2.93% in Provo-Orem, 2.93% at Orem & 2.9% in Springville. But, for households without a mortgage, insurance is 11.2% of costs ($370 in Provo, UT) in contrast with 11.12% in Provo-Orem, 11.06% at Orem & 10.56% in Springville.

Provo, UT Home Values & Insurance rates

For example, insurance for 1,559 Homes (13.0% of total homes ) valued between $175,000 to $199,999 in Provo, UT is about $440. Rates in nearby areas in such as Vineyard, Lindon, Utah County are cheaper by $50, $149, $36 respectively while Springville and Spanish Fork are costlier by $13 and $23 respectively for similar homes.

Provo, UT Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 641 5.0% $54
$90,000 to $99,999 160 1.0% $222
$100,000 to $124,999 747 6.0% $257
$125,000 to $149,999 1,332 11.0% $321
$150,000 to $174,999 1,641 13.0% $381
$175,000 to $199,999 1,559 13.0% $440
$200,000 to $249,999 2,582 21.0% $529
$250,000 to $299,999 1,614 13.0% $648
$300,000 to $399,999 1,517 12.0% $821

Renters Insurance in Provo

  • Average Renters Insurance in Provo :  $142($11/month)

  • Median Gross Rent in Provo :  $726

  • Provo Renters Insurance to Median Rent Ratio:  1.52%

  • Average household size of renter-occupied unit :  3.21

Provo Renters Insurance as a Percentage of Rent

Provo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 232 1.0% $335
$200 to $299 654 3.0% $785
$300 to $499 2,079 11.0% $1235
$500 to $749 6,487 36.0% $1910
$750 to $999 3,318 18.0% $2660
$1,000 to $1,499 3,368 19.0% $3785
$1,500 or more 1,424 8.0% $5435

Protective device discount in Provo Up to :  $21

Claims-free discount in Provo Up to :  $28