How much is homeowners insurance in West Jordan, Utah?

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The average cost of homeowners insurance in West Jordan is $1,680 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $902 less than the national average of $2,582 .

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in West Jordan depend on a number of factors, including:

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

State Farm is the cheapest homeowners insurance company in West Jordan with an average annual premium of $1,054 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in West Jordan. Keep reading to learn about the monthly cost of homeowners insurance in West Jordan, the cost for different dwelling coverage levels, and which companies provide the most affordable home insurance in West Jordan.

Key Takeaways

The cost of your homeowners insurance policy in West Jordan can vary based on factors such as your location, the value of your home, and the coverage options you select.
State Farm is the cheapest homeowners insurance company in West Jordan with an average annual premium of $1,054 .
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $355 more annually for home insurance.

How much is homeowners insurance in West Jordan per month?

Residents of West Jordan pay an average of $140 per month for homeowners insurance. This is $9 less than the state average of $149 and $75 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in West Jordan can vary depending on your location, property value, and selected coverage options.

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

Homeowners insurance with $200,000 in dwelling coverage and $100,000 in liability protection costs about $1,325 per year in West 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 West Jordan?

As per rate analysis by Insure.com, homeowners residing in West Jordan typically pay an average of $1,680 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $355 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance to cover the entire 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 West Jordan by company?

Among the carriers we analyzed, State Farm is the most affordable homeowners insurance company in West Jordan, offering an average annual rate of $1,054 , 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 West Jordan and put together a list of the most affordable ones.

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

Home insurance company	Annual rate
State Farm	$1,054
American Family	$1,077
Nationwide	$1,222
Farmers	$1,508
Auto-Owners	$1,650
USAA*	$2,239

*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

Living in Utah comes with the possibility of natural disasters that can cause serious damage to your home and belongings. From costly repairs to large insurance claims, the financial impact can be significant. That’s why it’s important to know which types of disasters are most common in your area before selecting a home insurance policy.

Understanding your local risks allows you to customize your coverage – whether that means adjusting your policy limits, choosing a higher deductible, or adding protection for hazards like floods or earthquakes. Planning ahead helps ensure you’re fully covered when it matters most.

Utah is commonly affected by Avalanche.

How home insurance protects you against natural disasters

Home insurance can provide valuable protection against the financial impact of natural disasters. Standard home insurance policies typically cover damages from fire, windstorms, hail and lightning. However, events such as floods, earthquakes or landslides are excluded and require purchasing additional policies or endorsements. For example, flood insurance must be purchased separately, as it is not typically covered by a standard home insurance policy.

Home insurance pays for home repairs, replacement belongings and temporary living expenses if your dwelling becomes uninhabitable due to damage. The protection offered by home insurance can significantly reduce the financial impact of natural disasters.

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 West 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.