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Affordable Homeowners Insurance in Kearns, UT

The average cost of homeowners insurance in Kearns, UT, is $687.14. Home insurance is a must if you own a home in Kearns, UT. The climate in Kearns is known for being harsh, with severe thunderstorms, high winds, and even tornadoes possible. Home insurance can help protect your home and belongings if they are damaged or destroyed by a covered event. In addition to protecting your home and belongings, home insurance can provide financial protection if someone is injured while on your property. If someone is injured while on your property and sues you, your home insurance policy can help cover the costs of their medical bills and any damages they may be awarded.

Homeowners in Kearns, Utah, must be aware of their budget and property requirements in order to obtain the best homeowners insurance. You can compare the many types of insurance policies and quotes the insurance companies offer and select the best one for you. You should consider the factors while purchasing home insurance mentioned in this article.

Here are a few of the best insurance providers in Kearns, UT.

Factors Affecting Home Insurance in Kearns, UT:

1. Home insurance rates by coverage levels

2. Home insurance rates by deductibles

3. Home insurance rates by the age of the house

4. Home insurance rates by the safety features

Homeowners Insurance in Kearns, UT - Rates by Coverage Level

The amount of coverage you need is determined by the value of your home and your personal belongings. Your home’s value is the amount it would cost to replace your home if it were completely destroyed. The value of your personal belongings is the amount it would cost to replace them if they were lost or stolen. For example, homeowners who opt for coverage of $200K pay $855 on home insurance in Kearns, UT.

Refer to the chart below to know the applicable home insurance rates in Kearns, UT., based on the coverage level.

Homeowners Insurance in Kearns, UT - Rates by Deductibles

The deductible is one of the most crucial aspects in determining the cost of homeowners insurance. The deductible is the amount of money the policyholder must pay up ahead of time before the insurance provider covers any claims. Lower premiums are related to higher deductibles, but it's important to choose a deductible you can afford to meet in case of a claim. For example, homeowners in Kearns, UT, choose a $2500 deductible to pay $493 for their house insurance. In Kearns, Utah, homeowners who choose a $500 deductible pay $678 for their house insurance.

Homeowners Insurance in Kearns, UT - Rates by the Age of the Home

If you're looking for the most affordable homeowners insurance in Kearns, UT, it's important to consider the age of your home. Older homes are more expensive to insure. As the home ages, it becomes more susceptible to water damage, mold, and structural issues. This means insurers have to pay more claims on older homes, which drives up rates. At the same time, newer homes are usually cheaper. Younger homes are less likely to have the problems that older homes have. For example, residences in Kearns, UT, 30 or 40 years old pay $697 and $705 respectively for homeowners insurance. In contrast, newly constructed homes in Kearns, UT, pay $487 for homeowners insurance.

Homeowners Insurance in Kearns, UT - Rates by the Safety Features

If you have a home security system or a fire alarm system, you can expect to pay lower rates than someone without these safety features. Insurance companies want to ensure that their customers are as safe as possible and offer discounts to those who take the necessary precautions to protect their homes. For example, homes equipped with fire extinguishers and deadbolts pay $611 and $590 on home insurance in Kearns, UT.

Top Home Insurance Companies in Kearns, 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%
GEICO A++ 4.1%

Top State Farm Home Insurance Agents in Kearns, UT

Homeowners Insurance Agents Agent Address Contact Details
Paul Middleton 1842 S Main St
www.paul-middleton.com 84115
(801) 487-8661
Paul Macdonald 1067 E 2100 S
www.mauiinsurance.net 84106
(801) 486-3800
Irvin Pete 655 E 4500 S STE 210
84107
801-505-5500
Barry Segroves 120 N 100 E
www.barrysegroves.com 84003-1735
801-756-3517
Paul Martin 774 E 3300 S Ste 100
www.paulmartinagency.com 84106
(801) 487-1966
Cassandra Preston 3619 Brinker Ave
www.gocpreston.com 84403-2017
801-621-2831
Pete Rivera 2868 Washington Blvd
84401
Dale Ballard 1887 Gold Dust Lane Suite 102
www.daleballard.com 84060-7290
435-649-3332
Kathy Mcclellan 248 SOUTH STATE
www.kathymcclellan.com 84058
801-226-1100
Derrick Wesley 836 S Main St Ste 210
84041
(801) 546-2626

Top Travelers Home Insurance Agents in Kearns, UT

Homeowners Insurance Agents Agent Address Contact Details
Andre A Marcure 2196 W 3500 S Ste C6
insurance-montana.com 84119-3446
801-975-9600
Northwest Insurance Group Inc 9980 S 300 W STE 320
www.nwinsgroup.com 84070
(801) 984-6100
B & P Insurance Agency Inc 720 N Main St
84651-3424
801-465-9253
Integrity Benefits Group 1615 GAYLAWOOD CIR
84123
801-971-6726
Email:Kathy@IBGBenefitsGroup.com
B&B Protector Plans Inc 5969 S State St
84107-7222
801-263-6300
C B H Insurance Agency 38 E 200 N
84037-1953
801-544-2911
Humphrey-Cavagna Ins Inc 459 N 300 W STE 16
84037
801-683-8342
Great Lakes Insurance Partners Inc 12652 S 2700 W Ste C
www.glipinc.com 84065
(801) 302-2209
Email:gschaber@glipinc.com
North American Ins Agency Inc 861 S 500 W
84651
(801) 465-4893
Email:mevan0950@live.com
Integrated Insurance Solutions Inc 969 CAMBRIA DRIVE
84054
435-753-4515

Top Allstate Home Insurance Agents in Kearns, UT

Homeowners Insurance Agents Agent Address Contact Details
Andrew Newton 3420 E 7800 S
84121-5803
801-942-1300
Anthony Losauro 10269 S 1300 E
84094-4078
801-571-6210
Hershberger Agy Inc 930 S STATE
84015
801-773-1400
Daniel Williams 76 E Center
84032-1219
435-654-3561
Mark Williamson 760 N Main St STE A
84041-2233
(801) 807-1290
Herrmann & Assoc 5025 SOUTH ADAMS AVE
84403
801-337-8341
Integrity Insurance & Financial Llc 9149 S MONROE ST STE A
84070
801-619-5155
Rand Insurance Agency 1015 S Orem Blvd
84058
(801) 225-1200
Timothy Harris 302 West 5400 South Suite 101
84157
Gary Forillo 3860 S 2300 E
84109
(435) 654-3100

Top Erie Home Insurance Agents in Kearns, UT

Homeowners Insurance Agents Agent Address Contact Details
Northwest Ins Brokers Inc 11142 HIGHLAND BLVD STE 300
www.nwibrokers.com 84003
(801) 216-4545
Email:support@nwibrokers.com
Herrick Insurance Services 300 E 2650 N SUITE 220
www.herrickinsurance.com 84414
801-528-6557
Mccammon Agency Corp 154 S Main St
84074
(435) 248-1008
Integrated Insurance Solutions Inc. 3818 WEST 5400 SOUTH
www.integrated-usa.com 84118
801-966-7283
Clevenger Insurance Agency 3612 W 4700 S Ste 5
84129-3424
801-966-1431
Integrated Insurance Solutions Inc. 9235B SOUTH REDWOOD RD
84088
801-566-8040
Patton Insurance Inc 11576 S STATE ST STE 1202A
www.pattoninsuranceinc.com 84020
(801) 316-1390
Email:marip@pattoninsuranceinc.com
Ray Insurance Group Llc 2050 W 5700 S
www.rayinsurancegroup.com 84067
(801) 775-0424
Ray Insurance Agency Inc 1620 Washington Blvd.
www.rayinsurance.com 84404
(801) 399-2783
Email:info@rayinsurance.com
Humphries Insurance Group Inc 46 WEST 200 S STE 1
www.humphriesinsurance.com 84010
801-292-5529
Email:walt@humphriesinsurance.com

Top GEICO Home Insurance Agents in Kearns, UT

Homeowners Insurance Agents Agent Address Contact Details
Paul Mays 9429 S Union Sq
84070
(801) 501-0900
Email:paulmays@geico.com
Daniel Lucas 75 E Main Street
84003-2360
801-756-3500
Email:dlucas@geico.com

Homeowners Insurance Comparison for the Cheapest Premiums in Kearns, UT

GEICOErieState Farm
Median Home Value ($) 168,410178,410178,410
Construction year 199519892001
Home Coverage ($) $175000-$200000$175000-$200000$125000-$150000
Total Premium ($) $1117$1157$1004

Kearns, UT Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Travelers upto 5%
Allstate upto 19%
Erie upto 21%
GEICO upto 14%