Bowthorpe & Associates
1075 S 500 W, Suite 100, Bountiful, UT 84010
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Bountiful households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1075 S 500 W, Suite 100, Bountiful, UT 84010
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110 N Main St, Bountiful, UT 84010
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533 W 2600 S, #305, Bountiful, UT 84010
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189 S 200 W, Suite 102, Bountiful, UT 84010
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Learn about insurance coverage options specific to Bountiful residents.
Learn about auto, home, earthquake, and flood insurance in Bountiful, UT. Understand 2025 coverage requirements and find local agents.
Car InsuranceUtah's no-fault system requires PIP coverage. Learn Bountiful auto insurance requirements, costs averaging $195/month, and coverage for I-15 commuters.
As of January 1, 2025, Utah requires $30,000 per person for bodily injury liability, $65,000 per accident for bodily injury, and $25,000 for property damage. You also need $3,000 in Personal Injury Protection (PIP). Your insurance company should have automatically updated your policy to these new minimums when it renewed in 2025.
While not legally required, earthquake insurance is worth serious consideration in Bountiful. There's a 43% chance of a magnitude 6.75 or greater earthquake along the Wasatch Front in the next 50 years, and standard homeowners policies don't cover earthquake damage. The cost typically ranges from a few hundred to over $1,000 per year depending on your home's value and construction.
Yes, it's worth considering. More than 70% of Utah's flood damage happens outside designated Special Flood Hazard Areas, particularly during flash floods and rapid snowmelt. The average flood insurance policy costs about $700 per year in Utah, and it takes 30 days to take effect, so you can't wait until a storm is approaching to purchase coverage.
Utah homeowners pay an average of $1,454 to $1,802 per year for homeowners insurance. Your actual cost depends on your home's age, size, construction type, and location within Bountiful, as well as your coverage limits and deductible choices. Shopping around with local agents can help you find better rates—some residents save $500 or more by comparing quotes.
Local agents understand Davis County's specific risks, including earthquake exposure along the Wasatch Front and flash flood patterns. They can recommend appropriate coverage for your situation, help you bundle policies for discounts, and provide personalized service when you need to file a claim. Independent agents can also shop multiple insurers on your behalf to find the best rates.
Yes, most insurers offer bundle discounts ranging from 5% to 25% when you combine your auto and home policies with the same company. Beyond the discount, bundling simplifies your insurance management with one agent, one billing cycle, and potentially easier claims handling. Ask your agent to quote both bundled and separate policies to compare the actual savings.
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