How much is homeowners insurance in South Jordan, UT

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In South Jordan, homeowners pay an average annual rate of $1,735 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $847 less than the national average of $2,582.

Homeowners insurance rates change from one home to another. The home insurance premium in South Jordan depends on various factors, such as:

• Size of your home
• Age of your home
• Amount of coverage you need
• Location
• Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in South Jordan, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in South Jordan.

How much is homeowners insurance in South Jordan per month

According to Insure.com’s rate analysis, residents of South Jordan pay an average of $145 per month for homeowners insurance. This is $4 less than the state average of $149 and $70 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in South Jordan can vary depending on your location, property value, and selected coverage options.

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

The average cost of homeowners insurance in South Jordan, UT is $1,370 annually for the dwelling coverage of $200,000 and the liability protection of $100,000. The amount you pay for home insurance each year depends on many different things. The types of natural disasters or events that take place in your area affect how much you pay for coverage in your city.

Some areas are more at risk for natural disasters, like flood, hurricanes, or tornadoes. This means that if something happens, the cost of rebuilding would be higher in those areas, thereby leading to higher insurance premiums. Your insurance policy might not cover damage caused by floods or hurricanes. So, if you live in a flood-prone area, consider buying flood insurance coverage.

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

According to a rate analysis by Insure.com, homeowners in South Jordan pay an average of $1,735 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $365 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

How much is homeowners insurance in South Jordan by company

Among the carriers analyzed, State Farm is the cheapest homeowners insurance company in South Jordan. It’s average annual rate for South Jordan homeowners is $1,056, while American Family ranks second.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across South Jordan and prepared a list of the cheapest home insurance providers. You can find below the South Jordan home insurance companies and their average annual premium.

Common natural disasters in Utah that may affect home insurance

Living in Utah comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in insurance claims. Understanding which natural disasters are most prevalent in your area is key to choosing the right home insurance policy.

Avalanche is the most common natural disasters in Utah that could impact your home insurance rates.

How home insurance protects you against natural disasters

Home insurance helps protect your property and belongings from the financial impact of natural disasters. While standard policies generally cover damages from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.

These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.

Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if your home becomes uninhabitable. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.

Methodology

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

Shivani Gite

Contributing Writer

 

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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.

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