How much is homeowners insurance in South Jordan, Utah?

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Our data shows that the average cost of homeowners insurance in South Jordan is $1,735 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1,000 deductible). It’s $847 less than the national average of $2,582 .

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in South Jordan depend on several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read our guide to discover the monthly homeowners insurance cost in South Jordan, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in South Jordan.

Key Takeaways

In South Jordan, homeowners insurance costs $1,735 annually.
State Farm offers the most affordable homeowners insurance in South Jordan with an average annual premium of $1,056 .
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $365 higher.

How much is homeowners insurance in South Jordan per month?

South Jordan homeowners pay an average of $145 a month. It’s $4 less than the state average of $149 and $70 less than the national average for home insurance across the nation. The price of your homeowners insurance policy in South Jordan may vary depending on where you live, the value of your home, and the coverage you choose.

How much is homeowners insurance for a $200,000 house in South Jordan?

Homeowners insurance with $200,000 in dwelling coverage and $100,000 in liability protection costs about $1,370 per year in South Jordan. Your rate can vary based on a number of factors, especially the risk of natural disasters in your area. Places more prone to floods, hurricanes, or tornadoes often face higher rebuilding costs, which leads to higher insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damage. So, if you live in an area prone to flooding, consider buying flood insurance coverage.

How much is homeowners insurance for a $300,000 house in South Jordan?

South Jordan residents pay an average of $1,735 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. To increase your dwelling coverage from $200,000 to $300,000, you’ll pay an additional $365 per year.

The smartest approach is to carry enough insurance to cover the full cost of rebuilding your home.

How much is homeowners insurance in South Jordan by company?

Among the carriers we analyzed, State Farm is the most affordable homeowners insurance company in South Jordan, offering an average annual rate of $1,056 , while American Family ranks second.

Researching a company thoroughly before selecting a homeowners insurance policy is essential – and we can help with that. We took a close look at all the insurance companies serving South Jordan and put together a list of the most affordable ones.

Here’s a look at the top home insurance companies in South Jordan and what you can expect to pay with each one on average.

Home insurance company	Annual rate
State Farm	$1,056
American Family	$1,142
Nationwide	$1,247
Farmers	$1,497
Auto-Owners	$1,663
USAA*	$2,371

*USAA is only available to military community members and their families.

Many insurance companies offer discounts to customers who bundle their policies. By combining your home insurance policy with other policies, such as auto insurance, you can lower your premiums and simplify your insurance management with one provider.

Natural disasters in Utah that can impact your home insurance

Natural disasters are a part of life in Utah, often leading to expensive insurance claims. That’s why it’s so important to understand which disasters are most likely in your area before choosing a home insurance policy.

When you’re aware of the specific risks in your region, you can tailor your coverage to match – whether that means increasing your policy limits, choosing a deductible you’re comfortable with, or adding extra protection for uncovered events. Taking these steps now can help you avoid being underinsured and give you more financial security if a natural disaster hits your area.

Utah is commonly affected by Avalanche.

How home insurance protects you against natural disasters

If your home is hit by a covered event, your insurance can help pay for repairs, replace your belongings, and even cover temporary housing if you can’t live in your home. Having the right coverage in place can make it a lot easier to get back on your feet after a disaster.

That said, not everything is automatically included. While most standard policies cover things like wind, hail, and lightning, you’ll usually need extra coverage for disasters like floods, earthquakes, or wildfires. It’s worth taking the time to understand exactly what your policy includes so there are no surprises when you need it most.

TIP

There’s little time to prepare for a natural disaster, and it’s too late to make changes once a storm is on the radar. Make sure your homeowners insurance includes coverage for the types of disasters common in your area. Standard policies don’t always cover everything, like flood damage, so double-check exclusions and consider add-ons if you need them.

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in South Jordan for $300,000 dwelling coverage, $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.

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Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.