Ogden ,UT Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Ogden, UT homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Ogden, UT is $1073. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Ogden, UT. VHome Insurance will help you navigate the world of homeowners insurance coverages in Ogden, UT.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $429 |
| $200,000 | $730 |
| $300,000 | $901 |
| $400,000 | $1,373 |
| $500,000 | $1,728 |
Home insurance costs in Ogden can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 084414 | $1,041 |
| 84403 | $1,023 |
| 84401 | $1,021 |
| 84405 | $1,023 |
| 84404 | $1,010 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Ogden, UT, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,100 |
| $1000 Deductible | $984 |
| $1500 Deductible | $928 |
| $2500 Deductible | $837 |
| $5000 Deductible | $708 |
| Home Insurance Company Near Ogden, UT | Homeowners Insurance Agency Near Ogden, UT | Address |
|---|---|---|
| NA | Clyde J. Allen Agency | 84 S. Main, Tooele, UT, 84074 |
| State Farm | Chris Terry | 2122 W 1800 N Ste B, Clinton, UT, 84015-8613 |
| Travelers | Goldenwest Credit Union | 5025 SOUTH ADAMS AVE, SOUTH OGDEN, UT, 84403 |
| Allstate | John Park | 3850 Washington Blvd, Ogden, UT, 84403 |
| Liberty Mutual | Les Leber | 764 E. Winchester Street Ste 100, Salt Lake City, UT, 84107 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| West Haven city, Utah | $64 | $85 | $127 |
| Riverdale city, Utah | $61 | $81 | $121 |
| Marriott-Slaterville city, Utah | $63 | $83 | $125 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Ogden, UT | 3.1% | 11.6% |
| West Haven | 2.38% | 8.8% |
| Riverdale | 3.32% | 12.1% |
| Marriott-Slaterville | 2.67% | 10.04% |
| Ogden Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 573 | 2.0% | $341 |
| $200 to $299 | 530 | 2.0% | $791 |
| $300 to $499 | 2,016 | 9.0% | $1241 |
| $500 to $749 | 6,855 | 33.0% | $1916 |
| $750 to $999 | 5,834 | 28.0% | $2666 |
| $1,000 to $1,499 | 3,978 | 19.0% | $3791 |
| $1,500 or more | 596 | 2.0% | $5441 |
| Streets in Ogden Area | Homeowners Insurance Cost |
|---|---|
| E Lomond View Dr, S 3900 W, N 925 E, S 200 W, S 1615 East St, S Water Tower Way, S 3375 W, N Big Horn Pkwy E, W 4350 S, E 5850 S | $508 |
| S Iroquois Way E, S 1035 E, E Quail Cir N, E 3090 N, W Lomond View Dr, 3900 South St, S 2500 W, E 3050 N, 3850 West St, E Aspen Ln N | $519 |
| S 4325 W St, W 5550 S, N Fairway Dr, 4425 South St, Eyrie Dr, 5900 South St, Buena Vista Dr, 2950 North St, Grandview Dr, Mountain Orchard Dr | $486 |
| E 550 S, S 5000 W St, W 4550 S, 2050 West St, 4525 South St, 700 N, S 3675 W, E 2650 N, E 5015 S, N Monroe Blvd | $477 |
| Pennsylvania Ave, N 2875 E St, Cross St, E 5285 S, S 500 W, Bel Mar Dr, E 2300 N, N 525 E, Trappers Ct, Healy St | $525 |
| 575 East St, 550 North St, 5750 South St, S 250 East St, Spring Way, S 1950 W, S 3550 W St, 2750 West St, E 670 N, 2450 West St | $483 |
| W Ridgeline Dr, S 3950 W, Carriage Ln, N 1300 E, S 5300 W, E 2800 N, N Avalon Hills Dr, Westlake Dr, S 1075 E St, S 860 E St | $496 |
| Oakwood Ct, 2950 North St, 3950 S, Ridgedale Dr, W 2000 S St, E 5400 South St, D Ave, N Sierra Dr E, Valley View Cir, W Arlington Way N | $514 |
| Robins Ave, Edvalson St, 575 W, 2675 W, W 5975 S, S 4050 W, E 625 S, 2900 North St, S 250 E, E 5400 N | $486 |
| 5500 South St, W 4300 S, S 2475 W, W 3960 S, N 700 E, N Jefferson Ave, 1850 North St, W 4450 S, S 2425 W, N 925 East St | $486 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Ogden | $72 to $74 |
| West Haven | $76 |
| Riverdale | $72 |
| Marriott-Slaterville | $75 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,800 | $2,800 |
| Yearly Ogden Homeowner Insurance Premium Example | $900 | $700 |
| Out of Pocket Expense During Claim | $1,800 | $2,800 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $9,000 | $8,400 |
| Net Savings to Ogden Home Owner from High Deductible Plan | $600 | |
| Scenario | Ogden, UT Home Replacement Value MORE than Home Value | Ogden, UT Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $172,000 | $106,500 |
| Insurance Premium based on Replacement Value | $575 | $350 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $45,500 | Risk Exposure from Under Insuring Coverage is $20,000 |
| Premium Impact | Insurance cheaper by $50/year | Insurance costlier by $175/year |
| Insurance Company | State Farm | Nationwide Insurance | American Family Insurance |
| Monthly Premium | 37 | 42 | 75 |
| Year Built | 2010 | 1992 | 2000 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 4 Baths |
| Coverage Amount | $175000-$200000 | $200000-$250000 | $400000-$500000 |
| Deductible | $1000-$2500 Deductible | $1000-$2500 Deductible | $5000 to $10,000 Deductible |