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Best Ways To Find Affordable Homeowners Insurance In Lehi, UT

The average cost of homeowners insurance in Lehi, UT, is $620.8. Homeowners insurance is one of the most important investments you can make for your home. It protects your home and belongings in the event of a fire, theft, or other disasters. Home insurance coverage can be customized to accommodate the needs and financial resources of the policyholders. The kind of coverage, the deductible, the age of the house, safety features, the area where you live, the weather, and many other factors all impact the insurance price. When shopping for homeowners insurance, it is important to compare rates and coverage from different companies to find the best deal. The best way to find affordable homeowners insurance in Lehi, UT, is to shop around and compare rates from different companies. There are a few different ways to do this. You can contact insurance companies directly and ask for quotes. Here are a few ways that can help you find affordable homeowners insurance in Lehi, UT.

Here are a few ways which can help you find an affordable homeowners insurance in Lehi, UT:

1. The amount of coverage you need will affect your premium

2. Consider raising your deductible to lower your premium costs

3. Keep your claims history clean to avoid rate increases

4. Install home security features to lower your rates

The Amount of Coverage you Need will Affect your Premium

You may be wondering how the amount of coverage you have on your homeowners insurance policy will affect your rates in Lehi, UT. The amount of coverage you have determines how much your insurance company will charge you for premiums. If you have a lot of coverage, you can expect to pay more for your policy than someone with less coverage. For example, homeowners opting for $200K coverage pay $1648 on home insurance in Lehi, UT.

Here are a few things to keep in mind when it comes to how much coverage you need:

The size of your home: If you have a large home, you'll need more coverage than someone with a smaller home. This is because there is more to replace in the event of a disaster.

The value of your belongings: If you have expensive belongings, you'll need more coverage to replace them. You can get by with less expensive belongings with less coverage.

The amount of risk in your area: If you live in an area prone to natural disasters, you'll need more coverage than someone in a low-risk area. This is because there is a greater chance that your home will be damaged or destroyed in a disaster.

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

Consider Raising your Deductible to Lower your Premium Costs

When it comes to homeowner’s insurance, one of the most important factors in determining your premiums is your deductible. Your deductible is the amount you would have to pay out-of-pocket in case of a covered loss. While a higher deductible means you would have to pay more out-of-pocket in the event of a loss, it also means you would enjoy lower premiums. That’s because insurance companies view policyholders with higher deductibles as being less of a risk. Homeowners in Lehi, Utah, pay $523 and $475 in premiums for deductibles of $1500 and $2000. A $500 or $1,000 deductible, however, costs homeowners $614 and $555, respectively.

Keep your Claims History Clean to Avoid Rate Increases

Your claims history records all the claims you've filed on your homeowners insurance policy. Insurance companies use this information to determine how likely you are to file a claim in the future. If you have a clean claims history, you're considered a low-risk customer, and you'll likely enjoy lower rates. But if you have a history of filing claims, you're considered a high-risk customer and expect to pay higher rates. For instance, homeowners in Lehi, Utah, who have never filed a claim, must pay a premium of $534. On the other hand, homeowners in Lehi, Utah, pay $658 and $695 for those with one or more claims.

Install Home Security Features to Lower your Rates

As a Lehi, UT homeowner, you can lower your homeowners insurance rates by installing home security features. Many insurance companies offer discounts for homes with security features such as burglar alarms, fire alarms, and deadbolt locks. By installing these features, you can reduce the risk of your home being burglarized or damaged by fire, lowering your insurance rates. In addition to installing security features, you can lower your rates by taking other steps to protect your home, such as installing smoke detectors and keeping your home well-lit. Taking these precautions can make your home a less attractive target for burglars and reduce the chances of your home being damaged by fire. For example, homes with deadbolts and fire extinguishers in Lehi, UT, pay $547 and $578 for home insurance.

Top Home Insurance Companies in Lehi, 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%
Liberty Mutual A 6.7%
Nationwide A+ 3%

Top Liberty Mutual Home Insurance Agents in Lehi, UT

Homeowners Insurance Agents Agent Address Contact Details
Eric Smalls 8538 S 1300 E
(801) 604-4518
Anthony Bowie Lsr 8783 S Redwood Rd Ste B
Kenny Henderson 520 E 770 N
Myra Leuci 70 S ORCHARD DR
(801) 292-8819
Paul Kemp 1821 Sidewinder Dr Ste 4
(801) 746-7588
Paul M Cunningham Lutcf 1441 E Fort Union Blvd
(801) 944-9600
David Wlostowski 2664 W 9000 S
(801) 999-4846
Amanda Keuntjes 220 Millpond Ste 108
Dom Giampapa 88 E Bulldog Blvd
(801) 375-5100
Kathy Irizarry 20 SOUTH MAIN

Top Erie Home Insurance Agents in Lehi, UT

Homeowners Insurance Agents Agent Address Contact Details
Integrated Insurance Solutions Inc. 3818 WEST 5400 SOUTH 84118
Integrated Insurance Solutions Inc. 8545 S REDWOOD RD STE D 84088
Randal A Bohannon 922 S Main St
(801) 785-4433
Northwest Ins Brokers Inc 11142 HIGHLAND BLVD STE 300 84003
(801) 216-4545
Ayres Insurance Agency Inc. 11451 S 700 E Ste A
Mccammon Agency Corp 154 S Main St
(435) 248-1008
The Perzel Agency Inc. 45 East 600 North
Patton Insurance Inc 11576 S STATE ST STE 1202A 84020
(801) 316-1390
Humphries Insurance Group Inc 46 WEST 200 S STE 1 84010
Clevenger Insurance Agency 3612 W 4700 S Ste 5

Top Allstate Home Insurance Agents in Lehi, UT

Homeowners Insurance Agents Agent Address Contact Details
Adam Johnston 7555 S Center View Ct Ste 204
Bambi Schweer 2091 E 4800 S Ste 14
Anthony Bottino 98 W 200 N
Bret Boyd 1313 S Foothill Dr Ste 200
David Salazar 35 W 10600 S
(801) 748-4111
Integrity Insurance & Financial Llc 9980 S 300 W STE 320
Kathy Jordan 15 N 1600 W
Dean Schuepbach 261 E 300 S Ste 325
(801) 355-6744
Integrity Insurance & Financial Llc 9133 S MONROE PLAZA WAY #B
Anthony Losauro 10269 S 1300 E

Top State Farm Home Insurance Agents in Lehi, UT

Homeowners Insurance Agents Agent Address Contact Details
Tamara Thomson 190 North Main \u00a0City 84032
Ginny Kelly 2900 S State St Ste 200 84115
(801) 466-8000
Bruce Aaron 14241 S Redwood Rd 84065-5211
Paul Menegay 9429 S Union Sq 84070
(801) 501-0900
Debbie Mcguinness 11576 S State St Ste 301 84020
(801) 523-2510
Doreen Jordan 3975 S Highland Dr Ste 15 84124
(801) 273-1107
Dan Keegan 1678 Redstone Center Drive 84098
Kathy Kelsch 852 E 1910 S STE 4 84606
David Dilley 350 E 500 S Suite 202 84111-3309
Brian Roberts 310 S Freedom Blvd 84601-4425

Top Nationwide Home Insurance Agents in Lehi, UT

Homeowners Insurance Agents Agent Address Contact Details
Oliver Insurance And Financial Services Inc. 302 W 5400 S STE 101
(801) 685-6860
Harmon W Mishoe Jr Insurance Inc 7300 S 300 W Ste 107
(801) 566-8797
Daniel M Haines 1175 E 3200 N
Butler Insurance Services Incorporated 3971 S Redwood Rd Ste 6
Garland Ins & Financial Services Llc 48 N Main PO Box 46
(435) 623-1830
Graves-Fearon Agency Ltd 7478 S Campus View Dr Ste 102
(801) 280-7115
Ed Cantey Insurance Agency Inc 579 W 2600 S
(801) 295-9896
Gannon Insurance Associates Inc 553 N Main St
(435) 882-1216
Mccartan Ins Group Inc 7678 S State St
(801) 790-5980
B&R Ins & Fin Products Inc 1614 W 700 N Ste B

Homeowners Insurance Comparison for the Cheapest Premiums in Lehi, UT

Liberty MutualErieState Farm
Median Home Value ($) 247,240287,240267,240
Construction year 201020092009
Home Coverage ($) $400000-$500000$500000-$600000$400000-$500000
Total Premium ($) $1102$1267$1247

Lehi, UT Multi Policy Discounts by Home Insurance Companies

Home Insurance Company Multi Policy Discount (%)
Liberty Mutual upto 16%
Erie upto 18%
Allstate upto 17%
Nationwide upto 10%