1 Insurance LLC
4020 W Daybreak Pkwy, Unit 110, South Jordan, UT 84095
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South Jordan households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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4020 W Daybreak Pkwy, Unit 110, South Jordan, UT 84095
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881 W Baxter Dr, STE 100, South Jordan, UT 84095
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1680 W Reunion Ave, Ste 6A, South Jordan, UT 84095
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10808 S River Front Pkwy, Suite 500, South Jordan, UT 84095
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11737 S Country Crossing Rd, South Jordan, UT 84009
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Learn about insurance coverage options specific to South Jordan residents.
Everything South Jordan residents need to know about auto, home, and personal insurance in 2025—including Utah's new coverage requirements and local risks.
Car InsuranceSouth Jordan drivers need 30/65/25 liability plus $3K PIP in Utah's no-fault system. Learn about rates averaging $136/month and coverage for I-15 commuters.
As of January 1, 2025, Utah requires 30/65/25 coverage: $30,000 bodily injury per person, $65,000 per accident, and $25,000 property damage. You also need $3,000 in Personal Injury Protection (PIP). If your policy had lower limits, it automatically adjusted at your first renewal in 2025, which may have increased your premium.
South Jordan homeowners typically pay between $1,200 and $1,800 annually for home insurance, which is well below the national average. However, rates increased about 13% in 2024, and your actual cost depends on factors like your home's age, value, location, and coverage limits. Shopping around can help you find better rates.
Yes, earthquake insurance is highly recommended in South Jordan due to the city's proximity to the Wasatch Fault, one of the most active seismic zones in the United States. Standard homeowners policies don't cover earthquake damage, and a major quake could cause tens of thousands in structural damage. Separate earthquake coverage is available through most insurers.
No, your HOA's master policy typically covers only common areas and exterior structures. You still need your own homeowners or condo insurance policy to cover your personal belongings, interior improvements, liability, and additional living expenses if you can't stay in your home after a covered loss. Review both policies to understand where coverage overlaps and where gaps exist.
It depends on your location. If you're near the Jordan River or in low-lying areas, flood insurance is worth considering since standard homeowners policies exclude flood damage. Check FEMA flood maps for your property address. Even if you're not in a high-risk zone, flood insurance is relatively affordable and can protect you from spring snowmelt flooding and heavy rainstorms.
Bundle your auto and home policies with the same insurer for 15-25% discounts. Ask about discounts for home security systems, good driving records, Energy Star homes, and newer construction. Get quotes from multiple insurers annually, maintain good credit, and consider raising deductibles if you have emergency savings. Local agents can help identify all available discounts for your situation.
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