Utah variant. This is a Utah-specific version of the Homeowners Insurance Estimator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Homeowners Insurance Estimator.
Homeowners insurance in Utah typically runs about 0.30%–0.40% of home value per year. On the $510,000 median home, that's roughly $1,785 annually.
What Utah homeowners insurance covers
Premiums fund dwelling coverage, personal property, liability, and loss of use. Utah's $510,000 median home value sets the baseline dwelling coverage and therefore the premium.
Local risk - wildfire, hurricane, hail, flood - drives big swings. Flood is separately insured. Use the estimator to refine the Utah average for your build cost and deductible.
About taxes and housing in Utah
Utah imposes a flat individual income tax rate of roughly 4.55%.
Utah has a low effective property tax rate near 0.55%, but rapidly rising demand has pushed median home values above $500,000.
Utah's economy is among the fastest growing in the country, with strengths in technology, finance, and outdoor recreation.
Worked example: $510,000 home
$510,000 × 0.35% ≈ $1,785/year ($149/month). Replacement-cost coverage, not market value, ultimately sets the premium - land value is excluded.
Quick reference
- State income tax: Flat 4.55% (down from 4.65%)
- State sales tax: 6.1% (plus 1.16% avg local)
- Median home value: $510,000
- Median household income: $87,649
- Effective property tax rate: 0.55%
- Avg auto insurance: $1,340/yr
Frequently Asked Questions
How much is homeowners insurance in Utah?
Roughly $1,785/year on the $510,000 median home, varying with local catastrophe risk.
Does homeowners insurance cover floods in Utah?
No - flood coverage is purchased separately through the NFIP or private insurers.