Homeowners Insurance

Protect your home
and your freedom

Deseret Insurance Agency wants to make sure you are fully covered in case the unthinkable happens. It’s important to have a dedicated agent that will work to make sure you and your assets are covered while finding the best rate available. Did you know that homeowner’s insurance covers more than just the physical structure of your home? It also includes the valuables kept inside your home and protects you in case someone is injured on your property in addition to covering theft and vandalism.

Types of Coverage

Let's talk about coverage

Owning a home comes with a lot of risks. That’s why a fully protected home with one of our preferred carriers makes sense. But did you know that there are other types of homeowner’s policies? If you rent a home or apartment, own a condo, or if you rent out to tenants, then you need some form of homeowner’s insurance to fully protect what is yours.

Homeowner's Policy

This policy, otherwise known as an HO-3 or HO-5 Policy, covers your structure or dwelling, unattached structures or fencing, personal property, liability and medical payments to others.
Condo Policy

Otherwise known as an HO-6 Policy, covers your personal belongings, liability and medical payments to others, and can cover damage to the interior of your unit.
Renter's Policy

Otherwise known as an HO-4 Policy, covers your personal belongings in the event of a fire or theft. This policy also has liability coverage to protect you if someone is injured in/on your rented property.
Landlord's Policy

This policy can cover the types of risks that a property owner may face. Options for coverage include damage to your property from a fire, natural disaster, or other damages, such as damage caused by tenants. These policies can also include liability coverage, legal counsel and fees in the event of a lawsuit, and even lost income.

Homeowner's Insurance Frequently Asked Questions

1 How does flood insurance work?

Great Question!

These types of policies will cover the home due to a flood from bodies of water like lakes, rivers, streams, etc. Give us a call and we can help you understand your options, and find a policy that works for you.
2 What can I expect from earthquake insurance?

Thanks for asking!

Earthquake insurance covers the home in the event of an earthquake. The deductible can range anywhere from 5%-15% of the value of the house. Generally, a lower deductible means a higher monthly premium cost. These types of policies do not usually cover brick exteriors.
3 I have specific items that I want covered, how do I do that?

We can answer that for you!

Have a diamond ring worth thousands? Have a gun collection that is worth more than the built-in limit ($2500)? Do you have fine art in your home that you’d like covered? Make sure to schedule specific protection against the theft of those objects. Inspection or certificates of items required for coverage.
4 What's "Replacement Cost"?

Smart question!

Replacement cost can cover the home to a certain percentage above the replacement cost of the home. Usually around 25 – 50%!

Also, you can opt for “Guaranteed Replacement Cost” which pays the full cost of replacing damaged property, with no dollar limit.

Homeowners Insurance