Landlord Insurance in Utah: Costs, Requirements & Best Providers
Landlord insurance in Utah is cheaper than the national average. The homeowners benchmark is $1,810 a year, and a landlord (DP-3) policy typically runs about $2,100 to $2,250. The low price leaves out Utah's biggest risk, an earthquake on the Wasatch Fault, which needs separate coverage. Get a landlord insurance quote for the property, then price earthquake cover, especially for older brick homes along the Wasatch Front.
By LandlordTested editorial teamPrices checked
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What landlords pay in Utah
- Homeowners benchmark
- $1,810 a yearAbout $151 a month; 27% below the $2,490 national average.
- Estimated landlord policy
- $2,100-$2,250 a yearLandlord (DP-3) cover typically runs 15-25% above homeowners cover on the same building. Your quote will differ.
- Main hazards
- Earthquake, Wildfire, Winter storm, Wind, Flash flood
- Not included
- Flood and earthquakeBoth need separate policies (NFIP or private flood; earthquake endorsement or policy).
Source: NerdWallet, 2026 homeowners (HO-3) median, $400,000 dwelling cover
Landlord insurance providers in Utah
Both write landlord policies in all 50 states and quote online. Neither publishes prices, so the only way to know your premium is to get a quote for your address.
- 1
Steadily
Our pickSingle-family and 2-4 unit rentals, including vacant and short-term.
8.5/10 provisionalPrice
Quote-based
Pros, cons and who should skip itHide details
Good
- Covers all 50 states.
- Fast online quotes.
- Writes vacant and renovation properties too.
Watch out
- Mixed claim experiences, including wear-and-tear denials.
- Underwritten through a carrier some lenders have queried.
- Flood needs a separate policy.
Skip it if
Anyone who wants a local agent sitting across the desk.
- 2
Obie
Investors with several properties; portfolio policies available.
8.1/10 provisionalPrice
Quote-based
Pros, cons and who should skip itHide details
Good
- All 50 states plus DC.
- Portfolio (blanket) policies for several rentals.
- Covers short-term rentals and renovations.
Watch out
- Claims run through third-party administrators.
- Some reports of non-renewal after claims.
- Support is mostly email.
Skip it if
Landlords who want claims handled by the company they bought from.
Prices checked Oct 18, 2026. Scores are provisional until our account tests are done.
Want to see how Utah compares? We keep a table of landlord insurance rates by state, with the method behind every figure.
On this page
The Wasatch Fault and the coverage gap
Most of Utah’s population lives along the Wasatch Front, from Ogden through Salt Lake City to Provo, right on top of the Wasatch Fault. In March 2020, a magnitude 5.7 earthquake near Magna cracked chimneys, knocked bricks off older buildings and damaged homes across the valley. Scientists consider a much larger quake on the fault a real possibility.
Landlord policies exclude earthquake damage. Earthquake coverage comes as an endorsement or separate policy, with a percentage deductible that makes it protection against major structural damage.
Older brick homes carry the most risk
Salt Lake City and Ogden have many older homes built of unreinforced masonry: brick walls without steel reinforcement, often with brick chimneys. They’re the buildings most likely to be badly damaged in a quake. If you own one, earthquake coverage deserves a serious look, and so does a seismic retrofit. Salt Lake City has run a Fix the Bricks program, funded largely by FEMA grants, to help some owners with retrofits; check whether funding is currently available.
Wildfire, snow and flash floods
Homes on the benches above the valleys and in canyon communities back onto brush and forest, so insurers score them for wildfire risk. The record 2023 snowpack brought spring runoff flooding to creeks across northern Utah. In southern Utah, around St. George and Moab, summer monsoon storms bring flash floods through washes. Flood is excluded from landlord policies and needs its own coverage through the National Flood Insurance Program or a private insurer, usually with a 30-day wait.
Winter brings ice dams and roof snow loads in higher elevations, and frozen pipes in vacant units.
What lenders require
Lenders require a landlord (dwelling) policy naming them as mortgagee, with dwelling coverage at least equal to the loan or rebuild cost. Flood insurance is mandatory on federally backed loans in a mapped high-risk zone. Earthquake coverage generally isn’t required on one- to four-unit rentals. Investor lenders often require loss-of-rent coverage.
Ways to lower the premium
- Retrofit an unreinforced brick home before pricing earthquake coverage, and give the insurer the paperwork.
- Create defensible space on bench and canyon properties.
- Raise your all-perils deductible to $2,500 if you have the reserves.
- Insure several rentals together. Obie offers portfolio policies with blanket limits.
- Require renters insurance with liability in every lease.
Utah deposit and notice rules
Utah sets no cap on deposits. Under Utah Code § 57-17-3 (amended effective May 7, 2025), you must return the deposit within 30 days after the tenant vacates, with an itemized written statement. The tenant can then serve a 5-business-day demand before suing for penalties, so a missed deadline gets expensive quickly. Utah’s nonpayment notice is 3 business days, one of the shorter in the country, which limits how long a unit goes without rent.
Questions landlords ask
The questions we get most, each answered in a paragraph.
How much is landlord insurance in Utah?
Utah's homeowners benchmark is $1,810 a year for $400,000 of dwelling coverage (NerdWallet 2026). Landlord policies typically run 15% to 25% higher, about $2,100 to $2,250. A newer townhome in Lehi and a 1920s brick bungalow in Salt Lake City will price differently, and earthquake coverage is extra, so quote the actual property.
Does landlord insurance cover earthquakes in Utah?
No. Standard landlord policies exclude earthquake damage. You can add an endorsement or buy a separate policy, usually with a deductible set as a percentage of the dwelling limit (10% or more is common). The 2020 Magna earthquake damaged older brick buildings around Salt Lake City and was a reminder of how close the Wasatch Fault is.
Can I use a regular landlord policy for a Park City or Moab nightly rental?
Usually not. Standard dwelling policies are written for long-term tenants and often limit or exclude short-term rental use. You'll need a short-term rental policy with commercial-style liability. Steadily and Obie both list short-term rental coverage. Check your HOA rules too, since many Park City complexes have their own rental and insurance requirements.