Short answer: The Utah Insurance Department lists earthquake, earth movement and mudslide as perils typically not covered by a homeowners policy, so Wasatch Front homeowners need an endorsement or separate policy to cover earthquake. Flood also needs its own policy. Utah insurers must give at least 30 days' notice before a policy expires or its anniversary if they won't renew, and must acknowledge a claim within 15 days and decide within 30 days after a complete proof of loss.
This guide is general information for Utah homeowners. It isn't legal advice. Your policy wording controls.
Step 1: Add earthquake coverage
The Utah Insurance Department says earthquake, earth movement and mudslide are typically not covered on a homeowners policy and can be added by endorsement or separate policy. Ask about the earthquake deductible, which is often a percentage of the dwelling limit, and whether the policy covers masonry chimneys and outbuildings.
Step 2: Review coverage every year
The Department suggests reviewing coverage annually with your agent, since rising property values, remodels and additions may require adjustments. Confirm your dwelling limit covers today's rebuilding cost.
Step 3: Wildfire and flood
In wildland-urban interface areas, defensible space and ember-resistant vents help keep a home insurable. Flood, including from snowmelt and burn-scar runoff, needs its own policy; see FloodSmart. If coverage is hard to find, see FAIR Plan vs. surplus lines home insurance.
Step 4: Non-renewal notice
Under Utah Code §31A-21-303, insurers must give notice at least 30 days before the policy expires or its anniversary date. Details: Utah homeowners non-renewal rules.
Step 5: Claim deadlines
Under Utah Admin. Code R590-190, insurers must acknowledge a claim within 15 days and accept or deny within 30 days after a complete proof of loss. More: Utah insurance claim deadlines.
See our tables: non-renewal notice rules by state, insurance claim deadlines by state and home insurance claim and lawsuit deadlines by state.
Questions? Contact Alishahi Insurance or call (877) 711-4545. See insurance in Utah.
Frequently asked questions
Does Utah homeowners insurance cover earthquakes?
No. The Utah Insurance Department lists earthquake, earth movement and mudslide as perils typically not covered; add an endorsement or separate policy.
How often should I review my Utah home policy?
The Utah Insurance Department suggests reviewing coverage annually with your agent.
How much notice before a Utah homeowners non-renewal?
At least 30 days before the policy expires or its anniversary date, under Utah Code §31A-21-303.
How fast must a Utah insurer decide a claim?
Within 30 days after a complete proof of loss.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. This isn't legal, tax or financial advice or a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.