Top 5 Home Insurance Companies in Cache County, UT
Check out the most popular Home Insurance agencies & companies in Cache County, UT & compare the best quotes from them.
Ways to Reduce Expenses on Home Insurance in Cache County, UT
The average cost of homeowners insurance in Cache County, UT, is $699. Home insurance is a necessary expense for homeowners in Kaneohe, Hawaii, as it protects against unforeseen events that can cause damage or destruction to their property. However, insurance can be a significant financial burden for many homeowners. Fortunately, there are several ways to reduce expenses on home insurance in Kaneohe, HI, without compromising the coverage or protection of your home. In this article, we will explore some practical and effective strategies homeowners can implement to lower their home insurance costs and save money.
Factors Affecting Home Insurance in Cache County, UT:
1. Homeowners insurance rates by coverage levels
2. Homeowners insurance rates by deductibles
3. Homeowners insurance rates by the age of the home
4. Homeowners insurance rates by the safety features
Homeowners insurance costs in Cache County, UT, by the Coverage level
The price of homeowners insurance in Cache County, UT, can vary based on numerous factors, including the selected level of coverage. Typically, choosing a higher coverage level will lead to an increase in premium costs. While homeowners who opt for a basic coverage level may pay a lower premium, it may not offer sufficient protection in a disaster. Conversely, selecting a higher coverage level may result in a higher premium but may provide more comprehensive protection against a broader range of risks. For example, if a homeowner in Cache County, UT, chooses $200,000 worth of coverage for their property, their home insurance premium will be $732. To understand the cost of home insurance in Cache County, UT, with varying coverage levels, please see the chart below.
Homeowners Insurance Rates by Deductibles in Cache County, UT
Cache County, UT Homeowners can influence their insurance rates by selecting a deductible that meets their needs. A deductible is an amount a homeowner must pay out of their pocket before their insurance coverage kicks in. Insurance providers in Cache County, UT, typically offer lower premiums for higher deductibles since it indicates financial responsibility on the part of the homeowner. Nevertheless, homeowners should consider the possible savings versus the financial burden in case of a claim. For example, a $2000 deductible could lower monthly payments, but it may be difficult to pay in an unexpected event. On the contrary, a $500 deductible may lead to higher monthly payments, but it could provide more financial protection. For instance, in Cache County, UT homeowners who opt for a $2000 deductible pay $534, while those who choose a $500 deductible pay $691 for their house insurance.
Homeowners Insurance Rates in Cache County, UT, by the Age of the Home
The age of a home can significantly impact the cost of homeowners insurance in Cache County, UT. Insurance providers consider older homes higher risks due to outdated systems, materials, or building codes. Therefore, homeowners with older homes may pay higher insurance premiums than those with newer homes. For instance, in Cache County, UT, homeowners with a newly constructed home can expect to pay an average of $559 in insurance premiums. Meanwhile, homeowners with a home 30 years old may pay an average premium of $710, and those with homes over 40 may pay an average of $717. Homeowners in Cache County, UT, should consider the age of their home when shopping for homeowners insurance to ensure they are getting the best rate possible.
Cache County, UT Homeowners Insurance Rates According to Safety Features
Homeowners in Cache County, UT, can decrease their insurance rates by implementing specific home safety features. Insurance providers assess the level of risk associated with insuring a property while determining insurance rates. Properties equipped with certain safety features are typically less risky to insure. Homeowners who install security systems, smoke detectors, fire alarms, or sprinkler systems may qualify for lower insurance rates as these features can prevent or mitigate the damage caused by accidents or disasters. For example, residents in Cache County, UT, with deadbolts and smoke detectors may pay $622 and $643 on homeowners' insurance, respectively. Homeowners need to consider adding these features to their homes to reduce their insurance rates while providing added property protection.
Top Home Insurance Companies in Cache County, UT
| Home Insurance Company | A.M. Best Financial Strength Rating | Homeowners Insurance Market share |
|---|---|---|
| State Farm | A | 17.01% |
| Allstate | A+ | 10.1% |
| Erie | A+ | 8% |
| Travelers | A++ | 6% |
| Nationwide | A+ | 3% |
Top Travelers Home Insurance Agents in Cache County, UT
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Hershberger Insurance Agency Inc | 1558 N WOODLAND PARK DR #400 www.hershbergerinsurance.com 84041 |
801-923-2278 | |
| Ajman Insurance Agency Inc | 2300 N Highway 89 Ste 5 84404-2696 |
801-394-5782 | |
| Herring Insurance Services Inc | 3020 WASHINGTON BLVD 84401 |
801-622-2626 | |
| Fts Life Insurance Agency Inc | 216 E Main St www.ftslife.com 84337 |
(435) 257-5320 | |
| Arizona Assoc Agcy | 1992 W Antelope Dr Ste 1B 84041-4974 |
801-217-3877 | |
| A1 Insurance Agency Llc | 2313 N 400 E www.a1insuranceagency.net 84414-7232 |
801-782-6601 | |
| Bush & Boggs Ins Agency Inc | 465 S State St w.kentuckyinsurancegroup.com 84015-1737 |
801-825-0822 Email:JBARNES@KENTUCKYINSURANCEGROUP.com |
|
| Dan Borowiak Agency | 151 Historic 25th Street 84401-1371 |
801-394-4561 | |
| Heron Lake Agency | 2129 N MAIN ST STE A 84341 |
435-752-0101 | |
| Cornerstone-Irm Insurance Group | 30 S Main Street www.cornerstoneinsurance.com 84335-2302 |
435-563-3236 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Ham Insurance Agency Inc. | 3850 Washington Blvd 84403 |
(801) 627-4063 | |
| Ed Troy Insurance Agency Inc | 1920 W 250 N Ste 12 84404 |
(801) 392-8633 | |
| Christopher D. Gardner | 1294 W 12th St 84404-5416 |
801-394-2266 | |
| Ohanlon Insurance & Financial Services | 2868 WASHINGTON BLVD 84401 |
(801) 393-3656 | |
| Eric D Shick | 1920 W 250 N Ste 12 84404 |
(801) 689-3725 | |
| Ray Insurance Agency | 369 5th St 84404 |
(801) 782-6100 | |
| Ray Gary Pigg | 550 N MAIN ST STE 116 84321 |
(435) 713-4500 | |
| Ray Gary Pigg | 131 N Main St 84321 |
(435) 752-7070 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Hero Singh | 632 N MAIN 2D 84321 |
435-753-1450 | |
| Eastern Panhandle In | 2019 W 1900 S Ste 110 84075 |
(801) 773-7575 | |
| Mark Williamson | 760 N Main St STE A 84041-2233 |
(801) 807-1290 | |
| Ray Gustafson | 65 S Main St 84335 |
(435) 563-1600 | |
| Bill Weller | 887 E 1000 N 84040-2886 |
801-547-0743 | |
| Ray Gilbert Carrejo | 50 W 700 N 84321 |
(435) 752-9516 | |
| Herrmann & Assoc | 5025 SOUTH ADAMS AVE 84403 |
801-337-8341 | |
| David Tyler | 1140 W Riverdale Rd Ste H 84405 |
(801) 335-9164 | |
| Wes Cain | 2307 N Hill Field Rd., #103 84041 |
||
| Ray J. Rodriguez | 2179 W 1800 N Ste B 84015 |
(801) 689-6908 |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Great Lakes Insurance Services Group Llc | 4421 Harrison Blvd Ste A9 84403 |
(801) 479-8012 | |
| Herrick Insurance Services | 300 E 2650 N SUITE 220 www.herrickinsurance.com 84414 |
801-528-6557 | |
| Varano Insurance Agency Inc | 94 S Main St 84321 |
||
| Great Lakes Insurance Services Group Llc | 1771 N Main St Ste 4 84041 |
(801) 773-5100 | |
| Ray Insurance Group Llc | 2050 W 5700 S www.rayinsurancegroup.com 84067 |
(801) 775-0424 | |
| Welch Insurance Agency Inc. | 5900 South Weber Drive Ogden 84405 |
||
| Apple Insurance Services Inc. | 3901 Riverdale Rd Ste D 84405-1515 |
801-317-4294 | |
| Baker & Associates Inc | 670 E 700 S 84015-1202 |
801-773-2054 Email:jfajardo@capital-ins.com |
|
| Herring & Bickers Insurance Agency Inc. | 2943 WASHINGTON BLVD 84401 |
801-394-1544 | |
| Ray Insurance Agency Inc | 1620 Washington Blvd. www.rayinsurance.com 84404 |
(801) 399-2783 Email:info@rayinsurance.com |
| Homeowners Insurance Agents | Agent Address | Contact Details | |
|---|---|---|---|
| Chad Davis | 5790 Harrison Blvd Ste 1 www.chaddavisinsurance.com 84403-4325 |
801-476-1195 | |
| Angela Fox | 655 S 4th E Ste 300 www.angelafox.org 83263-1619 |
208-852-3303 | |
| Douglas Phelps | 10 S Main St www.douglasphelps.net 84302 |
(435) 734-2887 | |
| Cassandra Preston | 3619 Brinker Ave www.gocpreston.com 84403-2017 |
801-621-2831 | |
| Ray Infanger | 309 N Washington Blvd www.rayinfanger.com 84404 |
(801) 393-8675 | |
| Chris Landsom | 60 N 100 W www.chrislandsom.com 84337-1430 |
435-257-3940 | |
| Ray Haynes Jr | 405 N Harrisville Rd www.rayhaynesjr.com 84404 |
(801) 399-4000 | |
| Greg Sykes | 43 E 400 N www.gregsykes.com 84321 |
(435) 753-1923 | |
| Hersh Bhansaly | 2307 NORTH HILL FIELD ROAD SUITE 103 www.dcinsureme.com 84041 |
801-784-4938 | |
| Blia Vang | 2421 N Main St www.bliavang.com 84015-2478 |
801-825-9781 |
| Erie | Nationwide | Allstate | |
| Median Home Value ($) | 202,160 | 192,160 | 202,160 |
| Construction year | 1943 | 1994 | 1994 |
| Home Coverage ($) | $300000-$350000 | $200000-$250000 | $400000-$500000 |
| Total Premium ($) | $783 | $979 | $877 |
Cache County, UT Multi Policy Discounts by Home Insurance Companies
| Home Insurance Company | Multi Policy Discount (%) |
|---|---|
| Travelers | upto 5% |
| Nationwide | upto 6% |
| Allstate | upto 18% |
| Erie | upto 17% |