Leavitt Group Headquarters
136 W Univ Blvd, Cedar City, UT 84720
View this agency's profile to learn more about their services.
Loading...
City directory
Cedar City households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
136 W Univ Blvd, Cedar City, UT 84720
View this agency's profile to learn more about their services.
136 W University Blvd, Cedar City, UT 84720
View this agency's profile to learn more about their services.
412 W 200 N, Cedar City, UT 84720
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Cedar City residents.
Cedar City home insurance averages $1,283/year. Learn about wildfire risk, earthquake coverage, and how to protect your southwest Utah home affordably.
General Insurance EducationComplete insurance guide for Cedar City, Utah. Learn about 2025 auto requirements, flood risks, earthquake coverage, and rates for this gateway to Zion.
Car InsuranceCedar City auto insurance guide: Utah's new 30/65/25 minimums, no-fault PIP requirements, and why Cedar City has the state's lowest rates at $62/month.
Cedar City and surrounding areas face high wildfire risk, with nearly 40% of Utah homes at elevated risk. The financial impact of fires like the Yellow Lake Fire, combined with wildfire losses in California affecting the broader market, has driven some insurers to raise rates by over 35% in 2025. Additionally, Cedar City sits on a seismic belt, adding earthquake risk that influences the overall insurance market.
It's worth serious consideration. Cedar City sits on a 100-mile-wide seismic belt running through southern Utah, and standard homeowners policies don't cover earthquake damage. A separate earthquake policy typically costs $500-$1,000 per year. If you're financing your home, having this coverage means you won't be stuck paying a mortgage on an uninhabitable house after a quake.
The average Utah homeowner pays around $1,283 per year, with competitive rates as low as $1,078 available from some carriers like State Farm. Your actual cost depends on your home's value (Cedar City's median is $400,000-$440,000), location relative to wildfire risk zones, and coverage choices. Despite recent increases, Utah remains one of the most affordable states for home insurance.
Not necessarily, though it's getting more selective. While some insurers have exited the Utah market or stopped covering high-risk properties, many carriers still write policies in Cedar City. You may need to create defensible space around your home—clearing brush and maintaining fire-resistant landscaping—to qualify for coverage. The Utah market remains competitive despite some carriers pulling back.
Standard policies typically exclude earthquake damage, flooding, and sometimes water backup from drains and sewers. In Cedar City's high desert climate, you should specifically verify wildfire coverage and ask about endorsements for water backup (important given frozen pipe risks from temperature swings) and earthquake protection given the seismic belt location.
If you live near creeks or drainage areas, yes. While Cedar City isn't typically considered flood-prone, the high desert can experience flash flooding during monsoon season. Standard homeowners policies don't cover flooding, so if your property is near water features or in a drainage path, separate flood insurance through the National Flood Insurance Program is worth investigating.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network