Advisoragency.com, Inc. - Insurance4utah
2269 N Cohonina Cir, St. George, UT 84770
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2269 N Cohonina Cir, St. George, UT 84770
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166 N 300 W, STE 1, St. George, UT 84770
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169 S Bluff St, St. George, UT 84770
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1240 E 100 S Bldg 2, St. George, UT 84790
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1122 W Sunset Blvd, Suite 1, St George, UT 84770
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1240 E 100 S Bldg, #2, St. George, UT 84790
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1240 E 100 S, Bldg, #2, St. George, UT 84790
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235 E Tabernacle St, St George, UT 84770
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235 E Tabernacle St, St. George, UT 84770
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168 N 100 E, Suite 105, St. George, UT 84770
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Learn about insurance coverage options specific to St George residents.
St. George homeowners face flash floods, extreme heat, and wildfire risks. Learn what coverage you need and how to avoid gaps in your policy.
General Insurance EducationComplete insurance guide for St. George residents covering auto requirements, wildfire risks, flood protection, and costs. Updated for 2025 Utah law changes.
Car InsuranceSt. George drivers pay $2,072/year on average. Learn how Zion tourism, rapid growth, and I-15 traffic impact your rates—plus tips to save.
Car InsuranceSt. George auto insurance averages $2,072/year. Learn about Utah's new 30/65/25 minimums, PIP requirements, and how I-15 traffic affects rates.
No, standard homeowners insurance does not cover flood damage from any source, including flash floods. You need a separate flood insurance policy through the National Flood Insurance Program or a private insurer. In Utah, flood insurance averages around $638 per year, and policies take 30 days to take effect, so it's important to get coverage before storm season starts.
St. George homeowners pay around $1,315 per year on average for home insurance, which is slightly higher than Utah's state average of $1,168 but well below the national average of $2,423. Your actual cost depends on your home's age, location, construction type, coverage limits, and whether you're in a high-risk wildfire zone, where premiums can be significantly higher.
Yes, homeowners insurance in Utah covers wildfire damage to your home and belongings. However, if you live in high-risk areas like Dammeron Valley—which scores 7-8 out of 8 on Utah's structure wildfire risk maps—you may face higher premiums or difficulty finding coverage. Creating defensible space and using fire-resistant materials can help you qualify for better rates.
Absolutely. St. George home prices have jumped 64% since 2019, with average prices now around $645,000. If you haven't updated your dwelling coverage limits recently, you're likely underinsured. Your policy should reflect current replacement costs—what it would cost to rebuild your home today—not what you originally paid for it. Contact your agent for updated replacement cost estimates.
Home insurance covers sudden, catastrophic failures caused by heat—like if your AC unit catches fire—but not gradual wear and tear from constant heat exposure. St. George's 110+ degree summers put enormous strain on HVAC systems, roofing, and home systems. For coverage of worn-out equipment and systems, consider a home warranty policy, which typically covers failed appliances and mechanical systems.
Yes, you should strongly consider it. More than 70% of recent flooding in Utah occurred outside designated Special Flood Hazard Areas. St. George's desert terrain means flash floods can strike areas far from obvious flood zones when storms dump rain on higher elevations. Flood insurance through the NFIP starts around $129 per year for moderate- to low-risk areas, making it affordable protection against a potentially devastating loss.
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