Utah renters insurance

Utah renters insurance coverages

Check out the four standard coverages on nearly all Utah renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics whether they're inside your apartment or elsewhere
• Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss
• Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property
• Medical payments to others pays for medical expenses due to a covered occurrence

Additional coverages

The best renters insurance in Utah is always a policy with customized coverage. Here are some extra options for when you need more protection:

• Add a rider: Certain valuable items, like jewelry, may have specific limits on your renters policy. If your item exceeds the limit, you may be able to purchase an endorsement called a rider for your policy to cover the item for its value
• Personal injury coverage: May pay for legal fees and damages if you’re liable for slander or defamation
• Water back-up coverage: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by a standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs

Learn more about all of our renters insurance coverages.

Is renters insurance required in Utah?

Renters insurance isn't required by law in Utah, but your landlord or rental company might require you to have a policy before you can move in. Even if it's not mandated, renters insurance is an affordable and easy way to protect tenants in apartments, homes, or condos.

Is renters insurance worth it in Utah?

Renters insurance offers an affordable and easy way to protect yourself with liability and personal property coverage. The following examples show situations where renters insurance may help:

• Your laptop is stolen from your car. Personal property coverage may pay to replace your stolen computer, up to your policy’s limits.
• A friend falls in your kitchen and is injured. Medical payments coverage may pay for their medical bills, up to your policy’s limits.
• A fire damages your apartment, and you are forced to move out while repairs are being made. Loss of use coverage may pay for your temporary lodging, up to your policy's limits, while your unit is repaired.

How much is renters insurance in Utah?

Progressive renters policies in Utah had an average monthly price of $15.37 or $184.46 for an annual policy in 2023.^** Remember that your cost for renters insurance is determined by many factors, including your location, type of residence, and claims history.

Coverage limits can also affect your rate. Typically, the more personal property coverage you need, the more you pay for a renters policy. Use our personal property calculator to help you take a home inventory and estimate the value of your belongings.

How can I save on renters insurance in Utah?

Take advantage of renters insurance discounts to help lower the cost of your renters policy. Progressive offers discounts for bundling multiple policies, paying in full, quoting in advance, and living in a secured or gated community.

There may also be discounts that are only available in your state or county. You can call 1-866-749-7436, or contact an agent in your area to help ensure you're getting all applicable discounts.