Home Insurance in Utah

Families trust G&G because we are the only full-service agency that saves you time and money, offers comprehensive coverage made easy, and proven, best-in-class service.

A home is one of the biggest assets you’ll own in your life. But it can also be one of the biggest liabilities. A house is more than just a building. A house is where you build your life, collect memories, and grow as a person—or perhaps as a family. As one of the most important things you own, you want to make sure your home is properly protected. The only thing worse than losing your home is realizing you don’t have the finances to back you up.

If you’re looking for affordable homeowners insurance in Arkansas, we can help you find a rate that works for you with coverage that won’t leave you short-changed.

What is Home Insurance?

In a nutshell, home insurance is a policy that protects your home from various forms of damage. But if you’re in the market for home insurance, you know it’s a little bit more complex than that. Policies can be overwhelming to understand, and comparing coverage and rates can easily set your head spinning.

Not only can homeowners insurance cover the actual structure of your house, but in many policies, it will also cover belongings in your home, and unattached structures on your property. In some cases, home insurance will cover you for lawsuits or temporary living costs.

Finding the right homeowners insurance for you can be a difficult process. But G&G Independent Insurance makes it easier with our free database of over 50 insurance providers in Utah. In just minutes you can compare companies and come away with a policy that works for you.

What Our Clients Say

Kyle Turner
a month ago
John with G&G has been great to work with, they saved me a lot of money on my home and auto insurance. John took the...
Al S
2 weeks ago
Best insurance-buying experience we've ever had! My wife and I bought a new home in a new state. We contacted several companies for quotes. A...
Susanna Gentry
a week ago
Cody was on top of it! He was very quick to get me the information and policy comparisons that I had requested. They came...

What Does Home Insurance in Utah Cover?

Each policy is different but in general, most homeowners insurance plans in Utah cover:

  • Your house
  • Unattached structures
  • Your belongings
House insurance


These are covered in case of damage from:

  • Windstorms/Hail
  • Lightning
  • Explosions
  • Tornadoes
  • Theft and Vandalism
  • Falling objects
  • Water damage (not including floods)
  • Crashes
  • Fire and smoke
  • The weight of ice, snow, or sleet

Some plans may also include:

  • Lawsuits due to injuries or damage that took place on your property
  • Temporary living costs if you need somewhere to stay while repairing damages
  • Medical bills if someone is injured on your property


When it comes to your belongings, there is a limit to what can be covered. You can individually insure more expensive items and add extra coverage like water backup or personal injury. Flood insurance in Utah can also be purchased separately.

For more detail about what homeowners insurance covers, check out our Complete Guide to Home Insurance!

How Are Homeowners Insurance Rates Determined?

Knowing what factors decide your premiums is the first step to finding lower insurance rates. Having held home insurance continually without claims can award you with a discount. Whereas the  cost to completely rebuild your home in its current spot can cause the price to jump. 

Other factors that insurance companies consider when they’re offering you a quote are:

  • Presence or lack of mortgage
  • Home location
  • Age of home
  • Construction of home 
  • Renovations
  • Square footage of home
  • Distance from fire departments and hydrants
  • Distance from a body of water
  • Owning assets that increase risks, like pools, hot tubs, and wood-burning stoves
  • Frequency of maintenance
  • Home security
  • Past Claims 
  • Credit score
  • Marital status


It’s important for you to understand how companies decide on what insurance rates to offer you. That way, you can compare quotes with confidence. 

Where Can I Find Affordable Home Insurance in Utah?

If you’re looking for home insurance in Utah, you’ve come to the right place. With our catalogue of 50+ insurance providers throughout Utah, G&G Independent Insurance is committed to helping you find the best coverage at a price that works for you. Our system is quick, easy, and allows you to instantly compare rates that cover your needs. 

We’ll make sure you find an insurance policy that gives you peace of mind in no time. Protect your house. After all, there’s no place like home. 

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