Homeowners insurance in Utah built around your home
Protect your home and everything in it
Your home is likely your biggest investment, and the right Utah homeowners insurance keeps repairs, liability, and living expenses from becoming a bigger problem. Bullfrog Insurance Group helps you compare coverage and pricing for houses, then reviews your policy each year to keep it working for you. Many clients pair home with
auto insurance for additional savings and a simpler renewal.
Home insurance tailored for Utah
Earthquake options for the Wasatch Front
Most home policies exclude quake damage. We can quote a separate earthquake policy or endorsement and explain deductibles that are a percentage of your dwelling limit.
Flood and runoff concerns
Flash flooding and snowmelt can affect basements and low areas from Millcreek to West Jordan. We will check maps and discuss when flood insurance is worth considering even outside high-risk zones.
Winter weather and water backup
Frozen pipes, ice dams, and spring runoff can create headaches. Ask about water backup coverage for sewers and drains so basement repairs do not fall on you.
What does home insurance cover
Dwelling coverage
Pays to repair or rebuild the structure when a covered event like fire, wind, or hail causes damage.
Personal property
Covers furniture, electronics, clothing, and more at home or sometimes away from home if stolen or damaged.
Liability protection
Helps with legal costs and damages if someone is hurt on your property or you accidentally cause damage to others.
Other structures
Applies to detached garages, sheds, fences, and similar structures on your lot.
Loss of use
Covers hotel stays, meals, and other extra costs if you cannot live in your home during covered repairs.
Note on exclusions
Standard policies do not include earthquakes or floods. We can add earthquake options and explain
flood insurance choices through NFIP or private markets.
Ways to save without cutting corners
Bundle and save
Combine your home and car with one carrier to unlock discounts. We will verify that the bundle truly lowers your total cost before recommending it. See how to bundle your home and auto for the best value.
Protective credits and updates
Monitored alarms, smart sensors, and a newer roof can lower premiums. Tell us about updates so we can find every credit.
Higher deductibles, smarter limits
A higher deductible can trim premiums. We will right-size dwelling limits to current construction costs and make sure personal property and liability reflect your situation.
Why Bullfrog for your home insurance
Local insight
From historic homes to new builds, we understand pricing, risks, and updates common in Utah neighborhoods.
Annual review
At renewal we reshop your policy across carriers and explain changes in clear terms so you do not overpay.
Claims help
If a kitchen fire or windstorm happens, call us first. We will help you start the claim and stay with you through repairs.
Trusted carriers
We work with many well-known companies so you can compare coverage and service, not just price.
Questions Utah families ask
How much coverage do you need
We estimate rebuild costs for your specific home and set liability limits that protect savings and future income.
Are earthquakes covered in Utah
No. A separate earthquake option is needed. We will quote choices with clear deductibles and limits.
Do you need flood insurance
It depends on location and risk tolerance. Lenders require it in certain zones, but many Utah homeowners choose it voluntarily for peace of mind.
What about sewer or sump backup
That coverage is an inexpensive add-on. It is popular for homes with basements from Holladay to South Jordan.
Renting your home or using short-term rentals
You may need a landlord or short-term rental policy. Tell us your plans and we will set it up correctly.
If you want to explore all personal coverages in one place, visit our personal insurance overview for quick links to auto, renters, life, and umbrella.