Top 5 Home Insurance Companies in Kearns, UT
Check out the most popular Home Insurance agencies & companies in Kearns, UT & compare the best quotes from them.
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 |
| 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 |
| 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 |
| 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 |
| 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 |
| GEICO | Erie | State Farm | |
| Median Home Value ($) | 168,410 | 178,410 | 178,410 |
| Construction year | 1995 | 1989 | 2001 |
| 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% |