Bailey Nelson - Health & Medicare Insurance
138 E Scenic Pointe Dr, Suite 140, Draper, UT 84020
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138 E Scenic Pointe Dr, Suite 140, Draper, UT 84020
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38 E Scenic Pointe Drive, Suite 140, Draper, UT 84020
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12884 FrontRunner Blvd, #140, Draper, UT 84020
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1111 Draper Parkway, Suite 206, Draper, UT 84020
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12884 Frontrunner Blvd, Suite 140, Draper, UT 84020
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178 W 13490 S, Suite 201, Draper, UT 84020
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13894 S Bangerter Pkwy, Ste 200, Draper, UT 84020
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11576 S State St, Ste 102B, Draper, UT 84020
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Learn about insurance coverage options specific to Draper residents.
Draper home insurance averages $1,184/year, but earthquake risk changes everything. Learn about coverage options, costs, and what hillside homeowners need.
Car InsuranceDraper's no-fault system requires PIP coverage. Learn about Utah's 2025 rate changes (30/65/25), I-15 corridor risks, and how much coverage you need.
General Insurance EducationComplete insurance guide for Draper, UT residents. Learn about Utah's 2025 auto insurance changes, home coverage costs, and life insurance options in Silicon Slopes.
While not legally required, earthquake insurance deserves serious consideration in Draper. The city sits directly on the Wasatch Fault with a 43% chance of a major earthquake (6.75+ magnitude) in the next 50 years. Standard home insurance excludes all earthquake damage, meaning you'd pay out of pocket to rebuild or repair your home. For most Draper homeowners with properties valued at $500,000+, the financial risk of going uninsured outweighs the cost of coverage, despite high deductibles.
Draper homeowners pay around $1,184 annually on average, or about $99 per month, which is slightly above Utah's state average but significantly below the national average of $2,423. Your actual cost depends on your home's value, age, construction type, location (hillside vs. valley), deductible amount, and coverage limits. Newer homes often qualify for discounts, while adding earthquake insurance typically doubles your premium.
Standard homeowners policies specifically exclude damage from earth movement, including landslides, soil subsidence, and erosion. This is particularly relevant for Draper's many hillside homes near the Wasatch foothills. Some insurers offer separate endorsements for land movement coverage, though they're expensive and come with high deductibles. If you own a hillside property, ask your agent specifically about this coverage and whether it makes sense for your location.
Replacement cost coverage pays to rebuild or replace damaged property with new materials at today's prices, without deducting for depreciation. Actual cash value pays replacement cost minus depreciation, which can be significantly less. For example, replacement cost might pay $30,000 for a new roof, while actual cash value might only pay $15,000 for your 15-year-old roof. Always choose replacement cost for your dwelling and contents—it costs slightly more but provides far better protection.
With Draper's median home price at $825,000, you likely have significant assets to protect. The standard $100,000-300,000 liability coverage on most policies may not be enough if someone is seriously injured on your property and sues. Consider increasing your liability limit to at least $500,000, or better yet, purchasing an umbrella policy that adds $1-2 million in additional liability coverage for just $200-400 annually. This is especially important if you have a pool, trampoline, or frequently host guests.
Review your dwelling coverage at least annually, and always after major renovations or improvements. Construction costs in Utah increased dramatically from 2020-2024, meaning many homes are underinsured based on outdated valuations. When you review, don't use your home's market value or tax assessment—use the actual cost to rebuild with similar quality materials and finishes. Many insurers offer automatic inflation guard endorsements that increase your coverage each year to keep pace with construction costs.
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