Nosso Insurance
175 S Orem Blvd, Suite A, Orem, UT 84058
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175 S Orem Blvd, Suite A, Orem, UT 84058
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766 S 400 E, Ste 209, Orem, UT 84097
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998 N 1200 W, Orem, UT 84057
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Learn about insurance coverage options specific to Orem residents.
Orem home insurance averages $588/year. Learn about earthquake coverage, wildfire risks, winter weather protection, and how to save on premiums.
Car InsuranceOrem car insurance averages $2,214/year. Learn how Utah Valley's young families, I-15 commutes, and winter driving affect your rates.
Car InsuranceOrem drivers need 30/65/25 coverage as of 2025. Learn about Utah's no-fault laws, average rates of $131-$185/month, and I-15 corridor risks.
General Insurance EducationComplete insurance guide for Orem residents covering 2025 auto requirements, earthquake risk, homeowners rates, and outdoor recreation coverage needs.
No, standard homeowners insurance policies in Utah do not cover earthquake damage. You need a separate earthquake insurance policy, which typically costs $200 to $300 per year. Given that Orem sits along the Wasatch Fault with a 57% probability of a magnitude 6.0+ earthquake in the next 50 years, earthquake coverage is worth serious consideration for most homeowners.
Utah homeowners have seen premiums increase 59% from 2021 to 2024, well above the national average increase of 24%. The increases are partly attributed to wildfire impacts like the Yellow Lake Fire and a spillover effect from California wildfires that have made insurers more cautious across the Western states. Despite these increases, Orem rates remain significantly below the national average.
The average homeowner in Orem pays approximately $588 per year for home insurance, which is about $49 per month. This is considerably lower than the national average of $2,423 annually. Your actual rate depends on your home's age, value, location, and your personal insurance history.
Utah state law does not require homeowners insurance, but if you have a mortgage, your lender will require it as a condition of the loan. Even if you own your home outright, insurance is strongly recommended to protect against financial loss from fire, theft, liability claims, and other covered perils.
Yes, standard homeowners insurance policies typically cover wildfire damage to your home and belongings. However, if your property is in a high-risk wildfire area, insurers may require you to take mitigation steps like replacing wood shake roofs or creating defensible space. Some high-risk properties may face higher premiums or difficulty obtaining coverage.
Homeowners insurance generally covers sudden damage from winter weather, such as roof collapse from heavy snow or water damage from ice dams. However, damage from poor maintenance or gradual deterioration typically isn't covered. Keep your roof in good condition and document maintenance to avoid claim disputes after winter storms.
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