Cover.d LLC
1410 S University Park Blvd, STE 100, Clearfield, UT 84015
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1410 S University Park Blvd, STE 100, Clearfield, UT 84015
View this agency's profile to learn more about their services.
794 E 700 S, Clearfield, UT 84015
View this agency's profile to learn more about their services.
580 S State St, Clearfield, UT 84015
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Learn about insurance coverage options specific to Clearfield residents.
Clearfield home insurance averages $735/year—half Utah's average. Military discounts available. Learn why earthquake coverage matters near Hill AFB.
Car InsuranceLearn about Clearfield auto insurance requirements, Utah's no-fault PIP system, and 2026 rates. Get coverage starting at $127/month with our expert guide.
It depends on your risk tolerance and financial situation. Seismologists estimate a 43% chance of a magnitude 6.75 or greater earthquake along the Wasatch Fault in the next 50 years. Standard home insurance won't cover earthquake damage, so you'd pay out-of-pocket for repairs. Earthquake coverage roughly doubles your premium and comes with high deductibles (10-20% of dwelling coverage), but it protects you from catastrophic loss if a major quake hits.
Clearfield is one of the most affordable places in Utah for homeowners insurance, with average premiums around $735 per year. That's roughly half the Utah state average of $1,454 per year. Davis County rates generally range from $424 to $573, making it significantly cheaper than Salt Lake County or Park City.
Yes. USAA and Navy Federal offer home insurance specifically for military members with competitive rates. Many mainstream insurers like State Farm, Farmers, and Allstate also offer military discounts (typically 5-15%), but you have to ask—they don't automatically apply them. Being active duty, retired, or a veteran can save you hundreds per year.
Most standard homeowners policies exclude or limit coverage if your home is vacant for 30-60 consecutive days, since insurers view vacant homes as higher risk. You'll need either a vacant home endorsement or convert to a landlord policy if you're renting it out during your assignment. Notify your insurer before you leave to avoid coverage gaps.
No. Your dwelling coverage should reflect the cost to rebuild your home, not your purchase price. In Clearfield, land is relatively affordable, so your $400,000 home might sit on $100,000 worth of land—your insurance only covers the structure. With construction costs rising, work with your insurer to calculate accurate replacement cost based on local labor and materials pricing.
Start by comparing quotes from at least three insurers—Davis County homeowners save an average of $199 by shopping around. Bundle home and auto insurance for 15-25% discounts, increase your deductible to $1,000 or higher if you have an emergency fund, and ask about discounts for security systems, newer roofs, or updated electrical. Military families should specifically ask about service member discounts.
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