Mark Family Insurance
393 W Gordon Ave, Suite 1, Layton, UT 84041
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393 W Gordon Ave, Suite 1, Layton, UT 84041
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393 W Gordon Ave, Ste 1, Layton, UT 84041
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1530 Layton Hills Pkwy, Suite 101, Layton, UT 84041
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12 S Main St, #203A, Layton, UT 84041
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2307 N Hill Field Rd STE, #103, Layton, UT 84041
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Learn about insurance coverage options specific to Layton residents.
Complete guide to auto, home, and insurance in Layton, UT. Learn about 2025 requirements, earthquake coverage, and local agents near Hill AFB.
Home InsuranceLayton sits on the Wasatch Fault with 57% earthquake risk in 50 years. Learn what standard home insurance covers—and the critical gaps you need to fill.
Car InsuranceLayton drivers need to know Utah's new 30/65/25 minimums and $3K PIP requirement. Learn why the minimum may not be enough on I-15 and how to get better rates.
As of January 1, 2025, Utah requires minimum liability coverage of $30,000 per person for bodily injury, $65,000 per accident for bodily injury, and $25,000 for property damage. You also need at least $3,000 in Personal Injury Protection (PIP) coverage. If you already have insurance, your policy automatically adjusts to meet these new minimums at your next renewal.
While earthquake insurance isn't legally required, it's highly recommended for Layton homeowners. The city sits near the active Wasatch Fault, with a 56% chance of a major earthquake within 31 miles over the next 50 years. Standard homeowners policies don't cover earthquake damage, so you'll need a separate policy or rider to protect your home and belongings.
Utah homeowners pay an average of $1,261 per year for home insurance, with rates in Layton typically ranging from $1,200 to $1,800 annually depending on your home's value, age, and features. State Farm often offers the most competitive rates in Utah at around $1,078 per year, but individual quotes vary based on coverage levels and deductibles.
Personal Injury Protection (PIP) is auto insurance that covers your medical expenses after a car accident regardless of who's at fault, paying out immediately without determining liability. While your health insurance can cover accident injuries, PIP pays first and covers things health insurance might not, like lost wages and funeral expenses. Utah requires a minimum of $3,000 in PIP coverage.
Bundling auto and home insurance with the same company typically saves 10-25% on your premiums and simplifies managing your policies. However, always compare bundled rates against separate policies from different carriers—sometimes the savings aren't as good as they seem. Get quotes both ways before deciding.
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