Salt Lake County, UT Home Insurance - Analysis On Quotes, Rates & Agents
Salt Lake County Insurance Rates:
Salt Lake County, UT homeowners insurance is nearly $426 to $576, about $35-$48/month. Our exhaustive guide shows customers can save as much as $200 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
Affordable Home Insurance Rates in Salt Lake County, UT
Salt Lake County is the fifth smallest county in Utah, where 8.1% of the area is covered with water. There is a greater risk of earthquake damage, floods, and wildfires in Salt Lake City as the houses are built halfway up the mountain. To protect yourself from the financial fallout of damage to your home, homeowners insurance is the best option to pull you out of the bog if such a situation arises. The average cost of homeowners insurance in Salt Lake County is $637.
According to the research conducted by VHome, the policyholders can save a few bucks by choosing suitable options that appropriately fit their budget. The cost of the insurance is determined after analyzing certain factors, including the age of the home, the materials used to construct the house, coverage type, house value, deductible, and claim history.
Discounts based on Claim History
One way to reduce your premium is by maintaining a zero claim history. It is prudent that homeowners must avoid filing claims for minor problems. When a homeowner submits a claim, the loss is incurred by the insurance company. Therefore, the greater the risk of you incurring a loss and submitting a claim, the higher your policy cost.
By providing a history of zero claims, homeowners in Salt Lake County, UT, have to pay a premium of $560.56, where the discount is $76.44. In contrast, policyholders with one and two claims have to pay a premium of $675.22 and $726.18, respectively.
Check out the discount available based on the claim history.
Discounts based on the Materials Used
Materials used to construct the house plays a significant role in determining the insurance premium amount. Homes built using sturdy materials have a minor threat to damage. Hence, home insurance companies offer considerable discounts to homes built using damage-resistant materials.
For instance, homes built with fire resistive brick are offered at a premium of $566.93 in Salt Lake County, whereas homes built with Masonry and Brick are offered at a premium of $605.15. Thus, the premium charged will be higher if you use low-quality materials to construct your house.
Discount based on the Age of the Home
The age of the home plays a significant role in determining the cost of home insurance. As homes age, so do the systems and materials that make up your home, making your home more vulnerable to property damage or structural problems.
Homes with 40 or 50 years in Salt Lake County pay a premium of $654 and $662, respectively. On the other hand, newly built homes are less prone to damage, and home insurance companies offer considerable discounts to newly constructed homes. For instance, newly built homes in Salt Lake County can avail lower insurance of $497.
Salt Lake County, UT Homeowners Insurance By Home Value
| Salt Lake County, UT Home Value | Total Homes | % of Total | Average Salt Lake County, UT Homeowners Insurance |
|---|---|---|---|
| Less than $50,000 | 7,808 | 3.0% | $50 |
| $100,000 to $124,999 | 8,736 | 4.0% | $230 |
| $125,000 to $149,999 | 14,465 | 7.0% | $285 |
| $150,000 to $174,999 | 23,933 | 12.0% | $340 |
| $175,000 to $199,999 | 23,136 | 11.0% | $390 |
| $200,000 to $249,999 | 43,638 | 22.0% | $470 |
| $250,000 to $299,999 | 32,784 | 16.0% | $581 |
| $300,000 to $399,999 | 37,568 | 19.0% | $736 |
Top Home Insurance Agents Near Salt Lake County, UT
| Home Insurance Company Near Salt Lake County, UT | Homeowners Insurance Agency Near Salt Lake County, UT | Address |
|---|---|---|
| Farmers | Diego Ciulupa | 5500 S Redwood Rd Ste 203, Salt Lake City, T, 84123 |
| Farmers | Maritza Batres | 3120 S 1300 E, Salt Lake City, UT, 84106 |
| State Farm | Mckay Bybee | 4645 Midland Dr, West Haven, UT, 84401-6824 |
| Travelers | Mike Williams Agency Inc | 11075 S STATE STE STE 5B, SANDY, UT, 84070 |
| State Farm | Taylor Hall | 3649 W 10400 S Ste 105, South Jordan, UT, 84095-5629 |
Salt Lake County, UT Home Insurance Agents for Top Companies
Cost Of Homeowners Insurance By Street Near Salt Lake County, UT
| Streets in Salt Lake County Area | Homeowners Insurance Cost |
|---|---|
| Le Page St, Sunset Crest Way, Lazy River Dr, John Cannon Dr, E Burning Oak Dr, S 1430 E, Broken Hills Dr, Bear Creek Dr, Ashley Meadows Cir, Gunther Dr | $548 |
| Westlake Dr, W 8770 S, W 5750 S, S Traveler Ln, E 5400 S, 990 W, Oberlin Rd, S 380 W, W Rampart Way, Ranches Loop Rd | $489 |
| Brook Ln, W 5975 S, Walker Estates Cir, N Churchill Dr, 4270 S, S 3675 E, Bruin Blvd, Andes Way, Fernleaf St, Colorado St | $485 |
| 3400 West St, E Taylor Ave, S 2030 W, W 3615 S, Shaggy Mountain Dr, E Clark St, Garden Green Cir, McVea Ct, W 3755 S, S Ralph H Way | $490 |
| W Silk Tree Ct, Gold Leaf Cir, Crosspark Dr, S 790 W, E North Medical Dr, E 9090 South St, E 7180 S, Grenoble St, Promenade Dr, Fairway View Dr | $495 |
| Chaumont Ct, Sego Ave, Apple Pear Cir, Amber Meadow Ct, W Swift Creek Rd, E Lincoln Cir, Quail Hollow Dr, Magnolia Dr, Hawkwood Dr, E Grand View Dr | $500 |
| E 10280 S, S Starlite Dr, S Stone Rd, N 200 E, W 4210 S, E 11700 S, Surrey Rd, S Woods Park Dr, S 340 E, Revere Cir | $487 |
| S Oakhill Dr, S 55 W, S Thoreau Dr, S Red Zinc Dr, 6380 W, Signal Point Cir, Covewood Pl, W 8430 S, Sandwedge Cir, W Pale Moon Ln | $507 |
| S Treasure Mountain Dr, Thimbleleaf Cir, W 5695 S, Reeves Ln, E 4530 S, Hwy U-111, W 5545 S, E 11375 S, 1880 W, E 8230 South St | $516 |
| Goshen St, Executive Park Dr, E Center St, Lolene Way, S 2230 W, S 6515 W, Blackhawk Way, Paskay Dr, Bradford Park Dr, E Trailorama Ave | $500 |
Salt Lake County, UT Home Insurance Savings For Senior Occupied Homes
| Place | Savings For Senior Occupied Homes |
|---|---|
| Salt Lake County | $75 to $77 |
| Salt Lake City | $75 |
| Taylorsville | $73 |
| Midvale | $74 |
Salt Lake County, UT Auto & Homeowners Insurance Bundling Discounts
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Salt Lake City CCD, Salt Lake County, Utah | $75 | $100 | $150 |
| Taylorsville city, Utah | $74 | $98 | $147 |
| Murray city, Utah | $75 | $100 | $150 |
Salt Lake County, UT Area Home Insurance as a % of Housing Cost
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Salt Lake County, UT | 2.7% | 10.0% |
| Salt Lake City | 2.7% | 10.06% |
| Taylorsville | 2.97% | 11.27% |
| Murray | 2.83% | 10.24% |
Salt Lake County Renters Insurance as a Percentage of Rent
| Salt Lake County Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 1,470 | 1.0% | $331 |
| $200 to $299 | 1,972 | 1.0% | $781 |
| $300 to $499 | 4,608 | 4.0% | $1231 |
| $500 to $749 | 25,164 | 23.0% | $1906 |
| $750 to $999 | 35,835 | 33.0% | $2656 |
| $1,000 to $1,499 | 28,348 | 26.0% | $3781 |
| $1,500 or more | 9,651 | 9.0% | $5431 |
Latest Home Insurance Reviews by Location
West Jordan, UT
Farmer's InsuranceI would absolutely recommend Farmer's Insurance . They are easy to deal with, have a wide variety of policy options and their staff is always kind and courteous.
Kearns, UT
Farmer's InsuranceI would definitely recommend Farmer's Insurance to others looking for reliable home insurance for a reasonable price. Though it does not have the prestige of some of the larger companies.
South Jordan, UT
ProgressiveI would recommend this company because of the reasonable rates and the amount of coverage. I cannot speak for the company's customer service, but my agent went above.
Magna, UT
Amica Mutual InsuranceI would definitely recommend this company and have done so on various occasions. I base my recommendation on my positive experiences with all areas of this insurance company.
Murray, UT
State FarmI would highly recommend this company as they go above and beyond what I ask them to do. Always finding me the best rates and best deals. They also give me a great discount.
Draper, UT
State FarmWe can call them when anything happens in our life or with our home and they are always friendly, polite.The customer service is amazing and the value and price of the product match.
Sandy, UT
GeicoI would recommend this company for home insurance because they are fast and friendly and will make follow up calls and do not act like just an insurance company.
Cottonwood Heights, UT
American Family InsuranceI love that our insurance company offers discounts on our policy for having multiple areas insured through them as well.
Riverton, UT
Farmer's Insurancemy experience in this insurance company has been very good, I feel very grateful to this company because their service is good and satisfies my needs, besides being very responsible
Taylorsville, UT
ProgressiveI did not shop around much. I bundled my renters insurance with the company that I use for auto insurance. I am happy with the premiums for the level of coverage.