Is renters insurance required in Utah?

Utah doesn't have a law that mandates renters insurance, but your landlord or property rental company may require it as a condition of your rental agreement. Having coverage to protect your possessions may be a viable reason to consider taking out a rental insurance policy, even if it's not required.

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.
  • 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

For tenants renting apartments, condos, or homes, the best renters insurance in Utah is always a policy with customized coverage limits. Here are some extra options for when you need more protection:

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

Learn more about renters insurance coverages.

Common claims in Utah

In the wintertime, Utah experiences the kind of severe weather that may lead to insurance claims, including snowstorms and even avalanches. The spring thaw brings flooding potential from melting snow and waterways blocked by ice and debris. Weather-related perils aren't just limited to winter and spring. Still, your Utah renters insurance policy may pay for damaged personal belongings from a covered peril, up to your policy's limits (minus your deductible).

With more than 2,000 lakes and nearly 90,000 miles of waterways in the state, Utah rental homes, condos, and apartments can experience flooding from rising water levels almost anywhere in the state. While renters insurance doesn't cover damage from outside flooding, a separate flood insurance policy may protect your belongings against flood damage.

Discounts on Utah renters insurance

Progressive offers several discounts to help lower the cost of renters policies in Utah, such as:

  • Multi-policy
  • Quote in advance
  • Pay in full
  • Secured/gated community

See more of our available renters insurance discounts.

What does renters insurance in Utah cost?

Many components may influence the cost of renters insurance in Utah, including your location, coverage limits, or type of home. Generally speaking, you can buy Utah renters insurance for less than $1/day.* Learn more about renters insurance cost factors.

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