# Typical Homeowners Insurance Prices in Utah — Full Range Breakdown _Last updated: 2026-10-05T07:43:17Z_ > What does homeowners insurance cost in Utah? Most projects fall inside $7,438–$26,034 per year, and $13,916 is a fair midpoint. ## Typical cost at a glance | Level | Price | | --- | --- | | Low | ~$7,438 | | Typical | ~$13,916 | | High | ~$26,034 | _Currency: USD, per year._ ## Cost by type | Type | Low | Typical | High | | --- | --- | --- | --- | | Baseline cost at the advertised rate | ~$7,438 | ~$16,736 | ~$26,034 | | Best-qualified applicant scenario | ~$6,099 | ~$15,156 | ~$24,212 | | Weaker-credit scenario | ~$8,033 | ~$20,939 | ~$33,844 | | Origination and third-party fees | ~$893 | ~$3,961 | ~$7,029 | | Shorter term with higher payment | ~$7,587 | ~$19,154 | ~$30,720 | ## Timing your homeowners insurance Urgent homeowners insurance work is priced for speed: overtime, priority materials and squeezed schedules all add cost. Planning a few weeks ahead is often the simplest way to stay near $13,916. ## What Homeowners Insurance typically costs Plan around a $7,438–$26,034 per year band for homeowners insurance in Utah. A typical job is near $13,916, and the gap between the two ends is where scope, materials and timing do their work. ## What moves the price of homeowners insurance Labour, materials and timing explain most of the gap between two quotes for homeowners insurance. Access and preparation often matter as much as the headline task, so a job that needs extra setup or a second visit costs more even when the base price looks identical. ## Who sets homeowners insurance prices No one publishes an official rate for homeowners insurance. Each provider costs the job from the ground up, so the figure reflects their materials, their time and their current workload. ## How to compare quotes for homeowners insurance Cheapest is not the same as best value for homeowners insurance. A slightly higher quote with a complete scope and no open-ended extras is often safer than the lowest figure with caveats. ## Frequently asked questions ### How much does homeowners insurance cost? Most homeowners insurance falls between $7,438 and $26,034, with a typical figure near $13,916 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. For Utah, ask a provider to put that in writing with the quote. ### What affects the price of homeowners insurance? The honest answer is that it depends on the specifics. Compare the written scope first, then the price. Providers serving Utah can tell you how it affects a typical job. ### Is Homeowners Insurance cheaper in smaller cities? Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. Where you are in Utah can change the detail, so compare nearby quotes. ### How many quotes should I get for homeowners insurance? Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. The specifics vary across Utah, so confirm them with the provider you hire. ## Keep comparing - [Finance](/category/finance/) - [Tax Preparation](/utah/tax-preparation/) - [Personal Loans](/utah/personal-loans/) - [Auto Loans](/utah/auto-loans/) - [Student Loans](/utah/student-loans/) - [Business Loans](/utah/business-loans/) - [Mortgages](/utah/mortgages/) - [Alabama](/alabama/homeowners-insurance/) - [Alaska](/alaska/homeowners-insurance/) - [Arizona](/arizona/homeowners-insurance/) - [Arkansas](/arkansas/homeowners-insurance/) - [California](/california/homeowners-insurance/) - [Colorado](/colorado/homeowners-insurance/) - [Connecticut](/connecticut/homeowners-insurance/) - [Delaware](/delaware/homeowners-insurance/) - [District of Columbia](/district-of-columbia/homeowners-insurance/) - [Florida](/florida/homeowners-insurance/) - [Georgia](/georgia/homeowners-insurance/) - [Hawaii](/hawaii/homeowners-insurance/) - [Idaho](/idaho/homeowners-insurance/) - [Illinois](/illinois/homeowners-insurance/) - [Indiana](/indiana/homeowners-insurance/) - [Iowa](/iowa/homeowners-insurance/) - [Kansas](/kansas/homeowners-insurance/) - [Kentucky](/kentucky/homeowners-insurance/) - [Louisiana](/louisiana/homeowners-insurance/) - [Maine](/maine/homeowners-insurance/) - [Maryland](/maryland/homeowners-insurance/) - [Massachusetts](/massachusetts/homeowners-insurance/) - [Michigan](/michigan/homeowners-insurance/) - [Minnesota](/minnesota/homeowners-insurance/) - [Mississippi](/mississippi/homeowners-insurance/) - [Missouri](/missouri/homeowners-insurance/) - [Montana](/montana/homeowners-insurance/) - [Nebraska](/nebraska/homeowners-insurance/) - [Nevada](/nevada/homeowners-insurance/) - [New Hampshire](/new-hampshire/homeowners-insurance/) - [New Jersey](/new-jersey/homeowners-insurance/) - [New Mexico](/new-mexico/homeowners-insurance/) - [New York](/new-york/homeowners-insurance/) - [North Carolina](/north-carolina/homeowners-insurance/) - [North Dakota](/north-dakota/homeowners-insurance/) - [Ohio](/ohio/homeowners-insurance/) - [Oklahoma](/oklahoma/homeowners-insurance/) - [Oregon](/oregon/homeowners-insurance/) - [Pennsylvania](/pennsylvania/homeowners-insurance/) - [Rhode Island](/rhode-island/homeowners-insurance/) - [South Carolina](/south-carolina/homeowners-insurance/) - [South Dakota](/south-dakota/homeowners-insurance/) - [Tennessee](/tennessee/homeowners-insurance/) - [Texas](/texas/homeowners-insurance/) - [Utah](/utah/homeowners-insurance/) - [Vermont](/vermont/homeowners-insurance/) - [Virginia](/virginia/homeowners-insurance/) - [Washington](/washington/homeowners-insurance/) - [West Virginia](/west-virginia/homeowners-insurance/) - [Wisconsin](/wisconsin/homeowners-insurance/) - [Wyoming](/wyoming/homeowners-insurance/) - [Ontario](/ontario/homeowners-insurance/) - [Quebec](/quebec/homeowners-insurance/) - [British Columbia](/british-columbia/homeowners-insurance/) - [Alberta](/alberta/homeowners-insurance/) - [Saskatchewan](/saskatchewan/homeowners-insurance/) - [Manitoba](/manitoba/homeowners-insurance/) - [Nova Scotia](/nova-scotia/homeowners-insurance/) - [New Brunswick](/new-brunswick/homeowners-insurance/) - [Newfoundland and Labrador](/newfoundland-and-labrador/homeowners-insurance/) - [Prince Edward Island](/prince-edward-island/homeowners-insurance/) - [Orem](/orem/) - [Provo](/provo/) - [Salt Lake City](/salt-lake-city/) - [Sandy](/sandy/) - [St. George](/st-george/) - [West Jordan](/west-jordan/) - [West Valley City](/west-valley-city/) --- These are planning ranges drawn from public price data and market research. They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.