Sandy Insurance Rates:

Sandy, UT home insurance is nearly $434 to $587, about $36-$48/month. Our in depth guide reveals consumers can save upto $204 by getting different quotes

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Sandy, Utah Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Sandy Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $560/10 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $330,000

4 Beds, 4 Bath 2700 sqft Vacation Property Constructed In 1985 with Stone Flooring, Slate Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Swimming Pool, Indoor Sprinklers, Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Single Male who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $530/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Baths 1370 sqft Primary Residence Constructed In 1992 with Carpet Flooring, Membrane Roof, Crawl Space Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

58 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1190/12 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $590,000

5 Beds, 5 Baths 4970 sqft Primary Residence Constructed In 1999 with Carpet Flooring, Metal Roof, Chainwall Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $290/5 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $300,000

4 Beds, 4 Bath 2130 sqft Seasonal Residence Constructed In 1986 with Ceramic Tile Flooring, Membrane Roof, Piers Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Central Air Conditioning, Deadbolt Locks, Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $430/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Bath 1450 sqft Rental Property Constructed In 1999 with Wood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Smoke Alarm, Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Divorced Female who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $340/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $290,000

3 Beds, 3 Baths 1740 sqft Primary Residence Constructed In 1980 with Ceramic Tile Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Stucco Construction. Home Features Include Fire Extinguisher, Deadbolt Locks, Swimming Pool, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $180/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Baths 1560 sqft Primary Residence Constructed In 1998 with Hardwood Flooring, Metal Roof, Crawl Space Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Divorced Female who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Smoker

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

  • 750-799 Credit Score

Home Insurance Rate of $470/5 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $585,000

5 Beds, 5 Bath 3910 sqft Seasonal Residence Constructed In 1985 with Ceramic Tile Flooring, Metal Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Sandy, UT Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
84093 $330,000 $530
84094 $235,700 $510
84070 $212,500 $500

Sandy Rates & Quotes Analysis:

Sandy Area Estimated House Insurance
E 340 S, Bob Ln, E 9100 South St, Quarry Stone Way, E 10345 S, 7th Ave, Hidden Village Dr, Crescent Pkwy, Cassowary Dr, 450 W$486
Woodhill Cir, S 2195 E, Ohenry Rd, 9455 S, S 3835 E, Marla Way, Gambel Oak Dr, Commotion Dr, Stephens View Cir, Clover Spring Ln$548
E Wasatch Blvd, S Ballot Rd, E Rondelle Cir, Black Horn Pl, Pineridge Rd, Buena Vista Dr, S 450 W, N Forty Rd, Fern Dr, E 11370 S$545
W 13240 S, Misty Meadow Cir, E 11585 S, S Treasure Mountain Dr, E 8410 S, S 70 E, E 10120 S, E 11720 S, S Margie Dr, E 10055 S$497
E 8240 S, E 8345 South St, S Columbine Way, 10600 S, Viscounti Cove, S 1515 E, E Golden Eye Dr, Stanley Dr, Aztec Rd, E 8745 South St$515
E 9290 S, S Beaumont Dr, Cindy Cir, E 11710 S, 9270 S, S 530 W, Covington Ct, E 7650 S, Rick Cir, Legend Ln$558
Sandcrest Dr, 400 W, Pleasant Valley Ct, Clifford Cir, W 9160 S, S 1270 E, Silverstone Way, E 9560 S, S 1545 E, E 750 S$521
Van Buren St, E 8380 S, S 415 E, E 12000 S, S 1320 E, S Bay Meadows Dr, S Buttonwood Dr, S Fairway View Dr, Jene Dr, Sunburn Ln$527
White Spruce Cv, E 12240 S, E Big Cottonwood Canyon Rd, E 11005 S, 10900 S, Brandon Park Dr, E Lazon Dr, Pamela Way, E Wright Way, Havre Cir$525
Gyrfalcon Dr, S 2635 E, E 11690 S, Lyndy Dr, Pebble Creek Cir, E 10195 S, S 1925 E, S 410 E, S 175 E, E 7130 S$492

Insurance rates are influenced by a number of factors including:

  • Year Built: 6,819 Homes (23% of total homes ) built between 1980 to 1989 in Sandy are paying home insurance between $760-$768. Places close to Sandy, UT such as Granite, Draper, Holladay are more expensive by $102, $30, $22 respectively while White City and Midvale are cheaper by $25 and $24 respectively for similar homes.
  • Bedrooms: 8,731 5 or more bedrooms homes (29% of total homes ) in Sandy are paying about $668 and varies from Granite (+$89), Cottonwood Heights (+$13), Draper (+$26), White City (-$18) and Midvale (-$21).
  • Auto Insurance Bundling: 10,705 Households (46% of all households) in Sandy have 2 vehicles available and when it is bundled with home insurance you can save $102. Discounts for similar bundling in close by locations such as White City, Granite, Cottonwood Heights come to $98, $115, $103 respectively.
  • Senior Discounts: 9,828 seniors (more than 55 years) occupied housing units (43% of total) in Sandy get discounts between $76 to $78 compared to White City ($73), Granite ($86), Cottonwood Heights ($77).
  • New Homes discounts: New homes such as the 10,112 homes built between 2000 to 2009 in Sandy can save $102 and similar new home insurance discounts in nearby towns and cities like White City, Granite and Cottonwood Heights are $98, $115 and $103 respectively.

Sandy Homeowners insurance Facts

  • Sandy, UT has 22,811 owner occupied houses which is 80.6% of all units whereas White City, Granite and Cottonwood Heights have 82.52%, 95.19% and 73.06% respectively.
  • Sandy, UT homeowners yearly insurance price at $510 is 0.18% of the typical house value of $281,000 which is in contrast with 0.25% in White City, 0.1% at Granite & 0.17% in Cottonwood Heights.
  • Homeowners in Sandy, UT pay 0.89% of their income ($45,000 to $49,999) in insurance whereas homeowners in White City, Granite and Cottonwood Heights pay 0.86%, 1.01% and 0.9% respectively.
  • Sandy, UT’s insurance is 2.5% of monthly housing costs of $1,727/month, for owners with a mortgage compared to 2.97% in White City, 1.76% at Granite & 2.43% in Cottonwood Heights. But, for households without a mortgage, insurance is 9.4% of costs ($453 in Sandy, UT) in contrast with 11.29% in White City, 6.61% at Granite & 9.09% in Cottonwood Heights.

Sandy, UT Home Values & Insurance rates

For example, insurance for 4,693 Homes (25.0% of total homes ) valued between $200,000 to $249,999 in Sandy, UT is about $408. Rates in nearby areas in such as Granite, Cottonwood Heights, Draper are cheaper by $195, $32, $90 respectively while White City and Midvale are costlier by $154 and $135 respectively for similar homes.

Sandy, UT Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 680 3.0% $40
$100,000 to $124,999 233 1.0% $198
$125,000 to $149,999 461 2.0% $244
$150,000 to $174,999 861 4.0% $290
$175,000 to $199,999 1,390 7.0% $336
$200,000 to $249,999 4,693 25.0% $408
$250,000 to $299,999 4,657 25.0% $499
$300,000 to $399,999 5,437 29.0% $632

Renters Insurance in Sandy

  • Average Renters Insurance in Sandy :  $103($8/month)

  • Median Gross Rent in Sandy :  $1,038

  • Sandy Renters Insurance to Median Rent Ratio:  0.77%

  • Average household size of renter-occupied unit :  2.82

Sandy Renters Insurance as a Percentage of Rent

Sandy Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 139 2.0% $1225
$500 to $749 456 8.0% $1900
$750 to $999 1,786 34.0% $2650
$1,000 to $1,499 1,719 33.0% $3775
$1,500 or more 1,023 19.0% $5425

Protective device discount in Sandy Up to :  $15

Claims-free discount in Sandy Up to :  $20