Berglund Insurance
1881 W Traverse Pkwy, Ste E203, Lehi, UT 84048
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1881 W Traverse Pkwy, Ste E203, Lehi, UT 84048
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2600 W Executive Pkwy, Suite 500, Lehi, UT 84043
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3300 N Running Creek Way, Suite E200, Lehi, UT 84043
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2135 W Main Street, Suite B303, Lehi, UT 84043
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2901 Bluegrass Blvd, Ste 200, Lehi, UT 84043
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2901 W Bluegrass Blvd, STE 200, Lehi, UT 84043
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1933 W 400 S, Lehi, UT 84043
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3451 N Triumph Blvd, Garden Level, Lehi, UT 84043
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Learn about insurance coverage options specific to Lehi residents.
Lehi home insurance averages $1,168/year. Learn about earthquake coverage, new construction discounts, and Utah County's 71.6% premium increase.
Car InsuranceLehi's 2025 auto insurance requirements: 30/65/25 liability, $3K PIP. Learn Utah's no-fault rules and get coverage for Silicon Slopes traffic.
General Insurance EducationComplete insurance guide for Lehi, UT residents. Learn about 2025 auto requirements, rising home insurance costs, and life insurance rates in Silicon Slopes.
Standard homeowners insurance excludes earthquake damage, and Lehi sits along the Wasatch Fault Line where Utah experiences about 700 earthquakes annually. Earthquake coverage costs around $14 per month per $100,000 of dwelling coverage with high deductibles (typically 5-20%). Whether you need it depends on your risk tolerance and financial ability to cover major damage out of pocket if a significant quake hits.
Utah's average homeowners insurance premium is $1,168 annually, though Utah County experienced a 71.6% premium increase recently. Your actual cost depends on your home's value, age, construction type, deductible, coverage limits, and credit score. With Lehi's median home price near $497,000 and over 1,000 new homes built in 2024, accurate replacement cost coverage is essential, which can affect your premium.
Yes, newer homes in Lehi's master-planned communities often qualify for discounts because they're built to current safety codes with modern electrical systems, fire-resistant materials, and updated plumbing. These features reduce claim risk, making them attractive to insurers. Ask your agent specifically about new construction discounts and ensure your policy reflects all safety features your home includes.
Your dwelling coverage should reflect the full cost to rebuild your home, not its market value or purchase price. With Lehi's rapid growth driving up construction costs and labor demand, rebuilding expenses often exceed home values. Work with your insurer to calculate accurate replacement costs based on your home's square footage, construction materials, and current local building costs, then review this annually.
Standard policies typically limit business property coverage to around $2,500, which may not be enough for tech workers in Silicon Slopes with expensive computer equipment. If you work from home with valuable business equipment, ask about a business property endorsement or consider separate business insurance to adequately protect monitors, computers, and specialized work gear.
Shop around with at least three carriers since rates vary significantly for identical coverage. Bundle your home and auto insurance for 15-25% discounts, increase your deductible if you have emergency savings, maintain good credit, install security systems or fire alarms, and ask about discounts for new construction, roof age, or claims-free history. Review your policy annually to ensure you're getting all available credits.
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