Commercial Umbrella Insurance Agencies in Utah

Utah at a glance

• 7commercial umbrella insurance agencies listed
• 29.8%of households rentRenters insurance
• $489,400median home valueHome insurance
• 1992median year homes were builtRebuild cost calculator
• 4.1%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Utah

How many of Utah’s 29 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Winter weather12 of 29 counties

  Very High in Salt Lake County.

• Lightning12 of 29 counties

  Very High in Washington County, Utah County, Davis County.

  Fire and lightning are standard covered causes of loss on home policies.

  Home insurance in Utah
• Wildfire4 of 29 counties

  Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.

  Home insurance in Utah
• Strong wind2 of 29 counties

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Utah
• Earthquake2 of 29 counties

  Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.

  Earthquake insurance in every state
• Inland flooding1 of 29 counties

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Utah

Utah requires drivers to carry at least $30,000 of bodily injury liability per person, $65,000 per accident and $25,000 of property damage liability, often written 30/65/25. It also requires personal injury protection ($3,000). Utah is a no-fault state: your own personal injury protection (PIP) pays your medical bills after a crash, whoever caused it.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in UtahHow much liability cover do you need?

Source: insurance.utah.gov. Checked 2026-10-24.