How Can I Make My Ogden, UT Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Ogden, UT by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.

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Estimate Appropriate Ogden, UT Home Insurance Coverage Levels | Back to Top

Ogden, UT - Neighbourhoods, Census Blocks & Streets 3 Bedroom 2 Bedroom
Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage Average Home Value Estimated Replacement Value Recommended Home Insurance Coverage
E 125 N, Ridgeline Cir, Lakeview Way, Jenny Ln, E 1200 North St, S 860 E St, N 5700 E, W 1775 S, W 3200 N, N Harrison Blvd $210,500 $180,000 $200,000-$250,000 $143,500 $130,000 $150,000-$175,000
Dixie Cir, 2700 W, S 800 W St, E 2575 N St, E 900 South St, E 2500 N, 5500 South St, S 1425 E, N 1025 E, S 1150 E $183,500 $160,000 $175,000-$200,000 $116,500 $100,000 $75,000-$100,000
E 950 N, Commerce Way, E 4775 S, 200, S 250 E, Kylee Ln, 1225 E, S 8750 E, E Lakeview Way, Club View Dr $418,500 $390,000 $400,000-$500,000 $315,000 $280,000 $250,000-$300,000
Creekview Dr, W Camas Lilly Cir N, N 180 E St, N 275 E St, E 2650 N, S 2200 W, S 1275 E, N 1125 E, S 2500 W St, W Oak Cir $301,000 $280,000 $300,000-$350,000 $237,500 $190,000 $250,000-$300,000
2275 West St, S 5800 W, 4300 S, N 600 W, S 200 E, 1750 West St, S 2500 E St, E Buckhorn Dr N, 42nd St, N 525 E $180,000 $150,000 $175,000-$200,000 $201,500 $180,000 $200,000-$250,000
N 575 W, 3550 West St, W 1900 South St, 1050 West St, E 2300 N, Bel Mar Dr, Charleen Cir E, E 2650 N, N 150 W St, N 1125 E St $182,500 $150,000 $200,000-$250,000 $138,000 $120,000 $150,000-$175,000
10870, E 4275 S St, N Big Horn Pkwy E, W 4675 S, C St, E 1700 S, W 5625 S St, S 2325 W, Pineview Dr, Mountain Orchard Dr $287,000 $240,000 $300,000-$350,000 $261,000 $220,000 $250,000-$300,000
W 5225 S St, S 100 Central, Cheyenne Cir, 4500 North St, E 5285 S, Majestic Cir, E 900 S, Cook St, 5875 South St, N Dillon Dr $267,000 $250,000 $200,000-$250,000 $151,000 $140,000 $125,000-$150,000
S 2825 W, S Jackson Ave E, 3275 North St, 3450 W, 4300 S, 5200, N 1200 East St, Shamrock Cir, W 3925 N, 2000 West St $357,000 $290,000 $250,000-$300,000 $256,000 $240,000 $250,000-$300,000
W 3300 South St, W 5850 S, Colonial Dr, E Bramwell Ct S, S 3250 W St, E 3525 N, Willard Peak Dr, W 1550 North St, S 675 East St, 820 $150,500 $130,000 $125,000-$150,000 $99,000 $90,000 $75,000-$100,000

Estimate your Savings with Home Insurance Discounts in Ogden, UT | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$112 $587
Superior Protection Discount -$70 $629
Fire & Security Discount -$63 $636
Hail Resistant Roof Discount -$21 $678
Newly Constructed Home Discount -$147 $552

Choose the Right Deductible for your Ogden, UT Home | Back to Top

Low Deductible ($500) High Deductible ($2500)
Place Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Weber County $1,500 $685 $2,185 $498 $1,998 $187
Ogden, UT $700 $691 $1,391 $502 $1,202 $189
Corinne, UT $300 $548 $848 $398 $698 $150
Henefer, UT $2,000 $596 $2,596 $433 $2,433 $163
Thatcher, UT $200 $522 $722 $379 $579 $143
Hoytsville, UT $2,000 $591 $2,591 $429 $2,429 $161
Silver Summit, UT $200 $1,721 $1,921 $1,251 $1,451 $470
Howell, UT $700 $513 $1,213 $373 $1,073 $140
Copperton, UT $500 $544 $1,044 $396 $896 $149
Bingham, UT $1,500 $629 $2,129 $457 $1,957 $172
Clarkston, UT $300 $537 $837 $391 $691 $147
Grantsville, UT $1,500 $651 $2,151 $473 $1,973 $178

Identify Top Home Insurance Agents near Ogden, UT | Back to Top

Home Insurance Company Ogden, UT Homeowners Insurance Agency Ogden, UT Address Popularity Score Distance from Ogden (miles)
State Farm Jay Carnahan 1294 W 12th St, Ogden, UT, 84404-5416
1.9
State Farm Randy Buchmiller 5063 S State St, Murray, UT, 84107-4824
38.9
Travelers Stratford Insurance Group 2307 N Hill Field Rd., #103, Layton, UT, 84041
8.7
Farmers Kristina Nelsen 3120 S 1300 E, Salt Lake City, UT, 84106
36.4
Liberty Mutual Independent Insur-West 380 S 200 W, Farmington, UT, 84025
17.9
Allstate Eric Hurst 1283 W 12600 S Ste 201, Riverton, UT, 84065
48.1
Allstate Christie Juber 2523 N Hwy 89, Pleasant View, UT, 84404
6.0
State Farm Russ Rasband 585 24th Street, Ogden, UT, 84401-1766
2.4
State Farm Robert Runia 1270 E 8600 S Ste 8, Sandy, UT, 84094-1298
43.7
Allstate Todd Forman 11 E State St, Farmington, UT, 84025
17.6

Compare Rates for Ogden, UT Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Utah $238,300 $616 $420 $870 $450
Weber County, UT $183,100 $693 $500 $960 $460
Ogden, UT $173,900 $699 $500 $990 $490
Corinne, UT $170,000 $555 $380 $760 $380
Henefer, UT $223,000 $603 $430 $860 $430
Thatcher, UT $146,600 $528 $380 $730 $350
Hoytsville, UT $217,500 $598 $440 $860 $420
Silver Summit, UT $717,600 $1,742 $1,270 $2,460 $1,190
Howell, UT $139,600 $519 $370 $730 $360
Copperton, UT $166,700 $551 $400 $780 $380
Bingham, UT $301,000 $637 $430 $900 $470
Clarkston, UT $159,500 $544 $390 $750 $360
Grantsville, UT $212,300 $659 $440 $930 $490

Research Home Insurance Companies Reviews in Ogden, UT Before Buying | Back to Top

Share a review on your home insurance company


Farm Bureau Home Insurance Reviews

Date: March 13, 2019    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
Farm Bureau's home insurance policy is better I think than most. Their rates are cheaper and they offer quick payments when there has been a claim.


Date: October 05, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Premium
I have not compared insurance rates between companies. We have had a farm bureau since buying the house in 2011 and are happy with them.

Date: September 20, 2018    Age: 50 to 59    Gender: Male    Marital Status: Unmarried

Customer Service
It has a local office with a small town feel. The service is great and they take the time to explain everything to you.

Date: September 18, 2018    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
I think my premium is comparable to other companies. We researched it with quotes from other companies 7 years ago. I just don't remember the amounts discussed at the time.

Date: September 07, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
The people that work for my insurance company are extremely polite, efficient and personable. I don't dread having to speak with them. They have also been extremely helpful in the past.

Date: August 02, 2018    Age: 50 to 59    Gender: Female    Marital Status: Married

Policy Offerings
Property coverage includes the dwelling, other structures, personal property and loss of use which is not to exceed 12 consecutive months. The deductible is $500


Date: August 02, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Communication
Friendly customer service and they have also made it easier by coming out to our home to discuss any changes we can make to lower the payment

Date: July 30, 2018    Age: Above 60    Gender: Female    Marital Status: Unmarried

Website/App
I like that my company's website is easy to follow and appealing to my eyes. It is also informative and thorough.

Date: July 29, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
I like the ease of dealing with our insurance company. We haven't had to deal with them much but recently filed a claim for our roof and the covered amount was very close to the estimate given to us by the roofer.

Date: November 18, 2017    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
I'm not really sure what is covered by my homeowner's insurance. I do know that damage to my roof by the natural disaster is covered because I am currently having my roof replaced.


Date: November 18, 2017    Age: 40 to 49    Gender: Male    Marital Status: Married

Website/App
To be honest, I have never used neither the app nor the website. I always personally go to the office or call a real person when discussing my policy.

Amica Mutual Insurance Home Insurance Reviews

Date: March 07, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Customer Service
Amica is a good company that provides affordable insurance rates. They insured my townhouse for about 20% less than other major brands.

Date: October 05, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Premium
it seems to me that the premium is the most appropriate neither high nor low, it is just what it should be, there are companies that are too exaggerated with the amount that they set the insurance premium

Date: September 16, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Communication
I like that my company is always there for me, they have never failed to overlook some complaint or some concern of mine

Date: September 13, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Policy Offerings
provides liability coverage of $ 100,000 to $ 300,000. However, the costs of civil liability claims can easily exceed these amounts. For this reason, coverage is offered and recommended for higher amounts up to a maximum of $ 1,000,000.


Date: September 13, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Website/App
I do not like that the page falls, at night, and I like that they are very organized there you find everything well detailed

Date: August 26, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
I like it a lot, I can always communicate with them and respond to all my complaints or needs immediately, go to my house if I wish

Copeland Group Home Insurance Reviews

Date: August 30, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Communication
I get packets annually about my premium and coverage. I like that this company does not try to upsell me on additional products or services. I've been happy with the communication.

Date: May 14, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
I don't interact with this company directly. I go through my broker for everything I need. I've never had to make a claim so I don't know how its customer service is.

Date: May 09, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
We have property and liability coverage. We also have a named storm provision. I also have a personal property rider.


Date: May 08, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Website/App
I have never used the website for this company. I interact with this company solely through my insurance broker and I like it that way.

Date: March 17, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
This is a hard question because I don't have a lot of experience with other companies. But, I chose this company because the premium was lower than the others.

Progressive Home Insurance Reviews

Date: January 08, 2020    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
Since we have moved into our house, we have not had any issues with Progressive's customer service.

Date: January 08, 2020    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
The deductible is very reasonable can range to huge or very small depending on everything

Date: July 21, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
I am very happy with the insurance company. I had them for auto insurance and a separate company for home. It saved me several hundred dollars a year.

Date: April 25, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
The deductible was not a big number and the premium package is really satisfying. I have full coverage for both my car and home which for the price im paying is pretty neat.

Allstate Home Insurance Reviews

Date: September 19, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
The policies are fine. There is actually quite a bit of selection and ability to really craft what you need for home insurance. I never feel like I don't have the ability to get what I want from them.


Date: April 14, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
the have better prices by atleast 15% then most other companies whiuch is far far greater then anything ive seen


Date: March 15, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
Allstate Farm's premium is lower, deductible is lower, and the services are great. Also, the coverage is higher than other insurers.


Date: December 30, 2018    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Policy Offerings
Allstate's home insurance policy is cheap for me. Unlike other providers like state farm or progressive, my provider seems to have the best plan price wise for me. I would rate Allstate's home insurance policy as a 5 because of its affordability.


American Family Insurance Home Insurance Reviews

Date: June 08, 2019    Age: 20 to 29    Gender: Unmarried    Marital Status: Female

Premium
I have never looked into other companeys but i am vary happy with my premiums and deductables on my policy

Date: January 01, 2019    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
The policy seems pretty similar to others. Has good coverage and a reasonable premium.


Date: December 12, 2018    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Premium
I have a little better rate with the current company than I did with my old company. I am not sure if some of this is because we have a different home, but it seems that this policy is a bit better for monthly payment and includes better coverage, so I would say it is better for the same coverage.

Farmer's Insurance Home Insurance Reviews

Date: April 21, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Policy Offerings
They had better flood and water backup coverage than everyone but USAA (for which I am not eligible). Great company backed by Warren Buffett


Date: April 11, 2019    Age: 40 to 49    Gender: Male    Marital Status: Married

Customer Service
My customer service experience is always positive with Farmers. I have found their representatives to be friendly and knowledgeable. They answer my questions concisely.

Date: December 28, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
From my research, Farmer's seemed to have the best comprehensive coverage, covering not only natural disasters, but belongings inside the home if there were to be a theft.


Nationwide Home Insurance Reviews

Date: June 05, 2019    Age: 50 to 59    Gender: Married    Marital Status: Male

Customer Service
Nationwide seems to be a good insurance company. They have always been responsive to my needs even though my agent recently retired and I inherited a new agent.

Date: March 28, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Policy Offerings
they out perform their competitors when it comes to the claim experience.their policies are affordable and you have a variety to choose from .it is good in timely claim payment.


State Farm Home Insurance Reviews

Date: February 12, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Policy Offerings
I think their rates are comparable to other insurance companies for the coverage that I need. I comparison shop yearly to see where they stand as compared to others.


Date: November 02, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Website/App
The company's website is pretty easy to use. The website moves through the options fairly quickly and navigation is self-explanatory. The website could use an update to include some updated quote information. The insurance company could also provide more details about their plans online.

Liberty Mutual Home Insurance Reviews

Date: April 04, 2019    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
Customer service in Liberty mutual home insurance company is excellent in performance. If we have any doubt ?give missed call, they will call with in 1 hour and rectify our problem.

Travelers Home Insurance Reviews

Date: April 03, 2019    Age: 50 to 59    Gender: Female    Marital Status: Unmarried

Policy Offerings
My home insurance company provides very good customer service. Quick and efficient in answering questions. They are just as good if not better than other insurance companies.


GEICO Home Insurance Reviews

Date: November 20, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Premium
Only because I know they'll beat their own prices soon and then it'll be a 5 out of 5. Geico seems so boring on the commericals, 15 minutes will save you 15 blah blah blah. But it's true. I was paying close to 600 a month for auto/auto/auto/home and cycle. Now I'm paying half that, with more coverage. They're great!

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