Your home is your biggest investment. We shop 30+ carriers to make sure it's protected with the right coverage at the right price — not just the first quote your agent pulled up.
A standard homeowners policy protects your home, belongings, and family from a wide range of risks.
Covers the cost to repair or rebuild your home after fire, wind, hail, and other covered perils.
Protects your belongings — furniture, electronics, clothing — if damaged, destroyed, or stolen.
Covers legal costs and damages if someone is injured on your property or you accidentally damage someone else's property.
Pays for temporary housing, meals, and other costs if your home is uninhabitable after a covered loss.
Covers detached garages, fences, sheds, and other structures on your property.
Covers minor medical bills for guests injured on your property, regardless of fault.
Whether you just closed on your first home or you've owned for decades, having the right homeowners policy is essential — and most people are either under-insured or overpaying.
Most Utah homeowners pay $900–$2,000/year for standard coverage. Rates depend on home value, location, coverage limits, deductible, and claims history.
Standard policies exclude flood, earthquake, and normal wear and tear. Sewer backup, jewelry over certain limits, and home-based business property often need additional coverage.
Higher deductibles, bundling with auto, home security systems, new roofs, and claims-free discounts all help. Plus, we shop 30+ carriers to find you the lowest rate to start.
If you're in a flood zone, yes — and your mortgage lender will require it. Even outside flood zones, flash flooding in southern Utah makes it worth considering. It's a separate policy through NFIP or private carriers.
We shop 30+ carriers so you get the best coverage at the best rate. No obligation, no pressure — just answers.
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