Ark Insurance Solutions
655 E 4500 S, Ste 210, Salt Lake City, UT 84107
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655 E 4500 S, Ste 210, Salt Lake City, UT 84107
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1817 S Main St, Suite 11, Salt Lake City, UT 84115
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1396 E 3900 S, Salt Lake City, UT 84124
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5330 S 900 E, Ste 180, Salt Lake City, UT 84117
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6375 S Highland Dr, #200, Salt Lake City, UT 84121
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3443 S State St, Salt Lake City, UT 84115
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1409 E 2100 S, Salt Lake City, UT 84105
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3785 S 700 E, Suite 200, Salt Lake City, UT 84106
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5525 S 900 E, Suite 345, Salt Lake City, UT 84117
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2469 Fort Union Blvd, STE 200, Salt Lake City, UT 84121
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Learn about insurance coverage options specific to Salt Lake City residents.
Salt Lake City home insurance averages $1,200/year. Learn about earthquake coverage costs, wildfire zones in foothills, and how to save on premiums.
Home InsuranceSalt Lake City home insurance averages $899-$1,440/year. Learn about earthquake coverage, wildfire risk, winter damage protection, and how to save.
Car InsuranceSalt Lake City drivers pay $2,026/year on average for full coverage. Learn about winter coverage needs, discounts, and how to save on Utah auto insurance.
Car InsuranceSalt Lake City auto insurance guide: Utah's 2025 30/65/25 minimums, no-fault PIP system, winter coverage tips, and average rates of $1,300-2,000/year.
General Insurance EducationNavigate Utah's no-fault auto insurance, earthquake risks, and wildfire coverage challenges. Essential insurance guide for Salt Lake City residents.
Renters InsuranceRenters insurance in Salt Lake City costs $11-17/month. Learn about earthquake coverage, what's included, and why most landlords require it.
Earthquake insurance typically adds $500 to $1,000 per year to your homeowners premium, which represents a 25-50% increase over your base policy. However, deductibles are high, usually 5-20% of your home's value. Given that there's a 50% chance of a major earthquake along the Wasatch Front in the next 50 years, many Salt Lake City homeowners consider this extra coverage worth the cost.
Homes in foothill areas near canyons are being flagged as high wildfire risk by insurers' risk scoring tools. Companies like Progressive and Nationwide have started refusing to renew policies for properties in neighborhoods like St. Mary's and parts of the Avenues. If this happens to you, you can appeal by documenting wildfire mitigation efforts or shop with other insurers who use different risk models.
Absolutely. Utah homeowners save between $88 and $813 per year by bundling home and auto insurance, depending on the provider. State Farm offers savings averaging $639 with their 23% bundle discount, while The Hartford through AARP saves customers an average of $813. It's one of the easiest ways to reduce your insurance costs significantly.
Salt Lake City homeowners pay about $1,200 per year on average, which is roughly half the national average of $2,423. This makes Utah one of the most affordable states for homeowners insurance. However, premiums have increased 62% over the past decade, rising faster than most parts of the country even though absolute costs remain competitive.
Standard policies don't cover earthquakes, floods, normal wear and tear, or pest damage. Earthquake and flood coverage require separate policies or endorsements. Given Salt Lake City's seismic risk and proximity to mountains where flash flooding can occur, you should seriously consider both additional coverages to fully protect your home.
Bundle your home and auto insurance for the biggest savings. Install a monitored security system, maintain a claims-free history, and increase your deductible if you can afford higher out-of-pocket costs. Updating your roof, electrical, or plumbing systems can also qualify you for discounts. Most importantly, shop around annually, quotes can vary by over $1,000 for identical coverage.
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