Home Insurance in Ogden, UT
Finding home insurance in Ogden is essential for protecting your home and your peace of mind.
As the eighth largest community in Utah, Ogden is home to nearly 87,000 people. A relatively large number of people in the city (just over 8%) work from home, making it important to purchase insurance that protects personal and professional belongings.
The median home value in Ogden, UT, is $306,866, which is about $100,000 less than the national median home price of $410,200. Single-family dwellings are most common. The cost of living in the city is 7.2% higher than the national average, but people still flock to the area for its beautiful scenery, excellent climate and nearby recreation.
The average homeowner in Ogden pays $900 per year for home insurance, which is just below the state's average. You can compare prices when you use the comparison tool provided by VIU by HUB.
Several factors determine how much you'll pay for Ogden, UT, home insurance. The size and condition are two of them. The larger your home is, the more you'll pay for home insurance. You may also pay more if the home needs updates or repairs. You may also pay more if you've made previous insurance claims in the past, have poor credit or have risky structures on your property. Risky structures are often referred to as "attractive nuisances" and include upgrades such as pools, trampolines or playgrounds that may attract children.
Climate is another factor insurance agencies consider. Temperatures range from 11-98 degrees on average. May gets the most rain, 1.7 inches, while January is the snowiest, 3.3 inches. Flooding is not a common issue in Ogden, but it is still a good idea to purchase flood protection just in case.
Crime factors into how much your insurance costs as well. Violent crime is low in the area, but the same cannot be said for property crime. Your chances of being a victim of property crime in Ogden is 1 in 32 compared to the state's chances of 1 in 45. This means it's important to have coverage that covers damages such as vandalism and stolen property.
There are several different types of home insurance policies.
Make shopping for home insurance in Ogden, UT, easier by using VIU by HUB to compare prices from various insurance providers. Getting customized quotes is fast, free and easy. You can even talk to a state-licensed advisor if you need help.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
