Home Insurance in Utah for AARP Members

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Save Hundreds on UT Homeowners Insurance With Your AARP Membership

home insurance utahWith picturesque mountain views, five national parks and a vibrant city life, Utah offers something for everyone. But living in the Beehive State also means experiencing extreme weather year-round, like summer lightning storms or icy winters. Whether you’re in Salt Lake City, Provo, St. George, West Jordan or anywhere else across the state, The Hartford has the homeowners insurance protection you need.
 
For 40 years, The AARP® Homeowners Insurance Program from The Hartford1 has been providing peace of mind to AARP members in Utah. With insurance from The Hartford, you can trust that your Utah home and belongings are covered without breaking the bank.
 
According to 2024 rates across the country, the average cost of Utah home insurance is $1,246 annually, or $104 per month.3 Utah homeowners can save hundreds by switching to The Hartford. To learn what discounts you’re eligible for, call 877-422-2345 or get an online quote today.
 

Does Utah Require Homeowners Insurance?

Having home insurance in Utah is not required by law, but most lenders require their customers to have coverage if they have a mortgage. Even if you don’t have a loan, it’s important to have insurance to cover repairs or replacement costs if your home or personal belongings get damaged or stolen.
 

What Does Homeowners Insurance in Utah Cost?

The cost of homeowners insurance varies by state, but Utah is one of the cheapest in the country at an average cost of $1,246 per year, or $104 monthly.4 This is over $1,000 less than the national average of $2,285.5
 
However, you may end up paying more or even less than the average cost of Utah home insurance. That’s because insurance companies look at many different factors when determining price, such as location or the value of your home and its construction materials.
 

Utah Homeowners Insurance Discounts

couple protected by homeowners insurance utahThere are several ways Utah homeowners can save money with The Hartford, including taking advantage of home insurance discounts like:
 
  • Bundle Discount: Save an average of $813 when you bundle insurance coverages through the AARP Auto and Home Insurance Program from The Hartford. By bundling auto and home policies, you can save up to 12% on your auto insurance and up to 20% on your homeowners insurance.**
  • Fire Protection Discount: Installing devices such as a fire sprinkler system or monitored alarms can help you save on your home insurance in Tennessee.
  • Home Security System Discount: Adding a burglar alarm or security systems can get you additional discounts on your home insurance policy. 
  • Claim Free Discount: The longer you've been claims-free, the more you can save on your Tennessee home insurance policy. Availability varies by state.

Utah Homeowners Insurance FAQS

Home insurance rates are based on many different factors, such as your zip code and coverage limits, for example.
There is no one-size-fits-all price when it comes to the cost of home insurance in Utah. You may pay more or less than the average in your state due to factors like your home’s location or its construction materials. Inflation and other environmental impacts can also affect how much you pay.
AARP members can save hundreds when they switch to the AARP Homeowners Insurance Program from The Hartford and take advantage of exclusive benefits and discounts.
 

What Does Homeowners Insurance in Utah Cover?

couple protected by home insurance in utahUtah homeowners insurance from The Hartford comes with these standard coverages:

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Loss of Use Coverage

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Medical Payments Coverage

Medical payments coverage helps pay emergency medical bills if someone who isn’t a resident of your household is injured on your property. It also covers injuries caused by a member of your family or pet, regardless of where it happens. Bills are paid, up to policy limits, whether you’re legally responsible or not.3

Get a Free Quote for Home Insurance in Utah

When it comes to protecting your Utah home and valuables, it’s important to find an insurance company you can rely on. As the official provider of the only homeowners insurance program endorsed by AARP, The Hartford is here when you need us most. Get the coverage you need at the price you’ve earned as a responsible homeowner with the AARP Home Insurance Program from The Hartford. To learn what savings you’re eligible for, get an online quote for homeowners insurance in Utah or call The Hartford at today.
 
 
Last Updated: November 7, 2024
 
2 Medical benefits are calculated on the basis of usual, customary and reasonable charges.
 
3,4,5 Bankrate, “Average homeowners insurance cost in November 2024.”
 
*** This is an optional coverage and may not be available in all states.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.
AARP® Homeowners Insurance
Quick Links
FAQs
Coverages
Additional Resources
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
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