Utah Renters Insurance 

Whether you’re in Salt Lake City, Provo, Park City, or anywhere in between, you’re going to want to make sure you have renters insurance coverage in Utah. It protects you from all kinds of unexpected situations—from having your bike stolen while exploring the trails to dealing with damage from the state’s unpredictable weather, like heavy snow. 

Let’s explore the ins and outs of renters insurance in Utah.

What does renters insurance cover in Utah?

Renters insurance in Utah can cover your stuff in a bunch of unfortunate scenarios, plus cover you if you unintentionally harm another person or their property. Here’s exactly what Utah renters insurance coverage includes:

Personal Property

Personal property coverage protects your stuff, no matter where you are in the world. So if your mattress is ruined due to that burst pipe, or your laptop is stolen while you’re traveling abroad, renters insurance has your back.

Loss of Use

If your place becomes unlivable due to a covered loss (like a fire or windstorm), your loss of use coverage can help pay for a temporary place to stay and basic living expenses such as food, laundry, a hotel, parking, etc.

Liability protection

Picture this—you’re hanging out at your friend’s stunning Park City condo after a day on the slopes. While chatting over hot cocoa, you accidentally knock over a hand-carved antler lamp, and it shatters. Yikes! Thanks to the liability coverage in your renters insurance policy, you’d be protected if you or someone on your policy damages someone else’s belongings. 

Medical Protection

Imagine hosting a dinner party at your Salt Lake City home. Everything’s going well until a guest slips on your icy front steps while leaving. That’s when the medical protection in your renters insurance comes in. It covers medical bills if a guest is injured at your place or if you accidentally hurt someone outside your home. It’s important to note, this doesn’t cover you or other household members—only visitors and non-residents.

Keep in mind: Different people will require different coverage amounts, so you should consider your own lifestyle and personal situation when selecting your coverage.

What damages to my property does renters insurance protect against in Utah?

Renters insurance protects your stuff against several potential damages (or “perils” in insurance speak), including theft, fire, vandalism, and water damage from things like burst pipes.

Here’s a complete list of covered perils included in your standard renters insurance policy in Utah:

• Fire or lightning
• Windstorm or hail
• Explosion
• Riots
• Aircraft
• Vehicles
• Smoke
• Vandalism
• Theft
• Falling objects
• Weight of ice, snow, or sleet
• Accidental discharge or overflow of water or steam
• Sudden and accidental tearing, cracking, burning, or bulging
• Freezing
• Volcanic eruption

Take note that there are extras that you can tack onto your renters insurance policy to protect against additional dangers, like pet damage, water damage, and earthquake damage.

How much is renters insurance in Utah?

The average cost of renters insurance in Utah in 2025 is around $24 per month, according to Value Penguin. But how much you pay on renters insurance will ultimately depend on how much coverage you need.

It’s important to keep in mind that your policy price depends on a lot of factors—like where you live, your deductible, and the actual amount of coverage you need. Let’s take a look at the average cost of renters insurance in some of Utah’s top cities. 

Cities	Average monthly cost of renters insurance
Salt Lake City	$25
West Valley	$25
West Jordan	$24
Provo	$22
St. George	$25

Is renters insurance required in Utah?

That really depends on your landlord’s requirements. There’s no Utah-specific law or federal mandate that forces you to get renters insurance, but you are obligated to follow your lease agreement. If your lease terms include having renters insurance, you’ll need to secure coverage.

Many landlords and property managers across Utah will typically ask for proof of insurance before you sign the lease. When it’s time to renew your lease, they might request updated proof of coverage as well.

Why would your landlord require renters insurance? Well, they usually want to make sure you have enough personal liability coverage in your renters policy. They’ll also probably confirm that your coverage can protect your belongings in case of unexpected events, from a burst pipe during the Wasatch Front’s freezing winters to other property-related mishaps.

Some landlords might even require you to list them as an interested party on your policy. This means they’ll be notified if your policy gets canceled, making sure your coverage stays active. It’s a simple step for you, but it provides landlords peace of mind that their renters are adequately protected.

Why do I need renters insurance in Utah?

Utah is no stranger to unpredictable weather and other surprises. Between heavy snowstorms and flash floods in southern Utah, to the occasional windstorm ripping through the Wasatch Front, there’s plenty to protect your stuff from.

With a standard Lemonade renters insurance policy, your personal belongings could be covered if they’re damaged due to a natural disaster, water from burst pipes, or stolen. For example, if a burglar sneaks into your apartment while you’re traveling and steals your valuables, renters insurance can help cover the costs to replace your stolen items. 

And perils like burglary and theft in Utah might be more common than you’d think. According to the most recent report by the FBI, there were 1,290 burglaries and 8,902 instances of larceny-theft reported in Salt Lake City in one year. That’s about 50 incidents per 1,000 residents.

Plus, you could get reimbursed for additional living expenses should a covered event render your rental property temporarily uninhabitable.

Renters insurance won’t stop Mother Nature from doing her thing, but it can definitely ease your worries knowing your belongings are protected from life’s curveballs. 

Have more questions about Lemonade? Check out our FAQs. 

How much renters insurance do I need?

In order to determine how much renters insurance you need, you should weigh how much you think you need in terms of your belongings and lifestyle against how much you would feel comfortable paying each month. More coverage means a higher monthly premium, but you don’t want to be caught without enough coverage if something unexpected happens.

As we previously mentioned, your policy has a few main categories:

• Personal property
• Temporary living expenses
• Personal liability & medical bills

When choosing coverage amounts, it’s important to look at each category and assess what works best for you. For example, if you have $30,000 worth of personal belongings, you’ll want to go for $30,000 in personal property coverage (not just the standard $15,000 minimum) to make sure you’re fully protected.

​​When choosing your loss of use coverage, think about all the extra costs you might face if your home became unlivable for an extended period of time. This could include things like hotel stays, meals, laundry, commuting, and other unexpected expenses that go beyond your usual budget.

Keep in mind: Before setting coverage limits, you should also check in with your landlord, who may require you to have a certain amount of personal liability coverage for renters.

Still not sure how much coverage to get? Check out our guide to how much renters insurance you need.

How can I lower my renters insurance rate?

Renters insurance is generally quite affordable, but there are still some ways you can cut down on costs. Here are a few:

Look for discounts

Many insurers offer certain discounts that can help reduce your renters insurance premium. At Lemonade we offer discounts for the following:

• Check for security devices: Check to see if your rental property has a fire alarm or burglar alarm—you could qualify for a discount. 
• Pay in full: Paying your annual premium in full rather than month-to-month will earn you a discount with many insurance providers, including Lemonade.
• Bundle: One of the easiest ways to save money on your renters insurance is to bundle multiple policies. If you’re a renter and a pet parent in Utah, you can bundle renters with pet insurance by clicking the button below.

Adjust your deductible and coverage amounts

Raising your deductible (aka the amount you’d have to pay out of pocket if you need to file a claim) will automatically lower your premium. Lowering your total coverage amount will also save you some money. 

Just make sure that your stuff is still adequately covered should disaster strike, and that you have enough liability coverage in the event that you accidentally injure another person or their property. 

Why Utah renters should go with Lemonade insurance

The truth is, getting renters insurance can be confusing, time-consuming, and flat-out boring. But with Lemonade, it doesn’t have to be. You can get a policy in as little as 90 seconds from start-to-finish, all thanks to our tech-powered approach.

Just head to the Lemonade app, answer a few questions, and AI Maya will crunch some numbers to give you a renters insurance quote. Zero paperwork or phone calls required.

If you ever need to adjust your coverage because your landlord asks you to, or realize your stuff is worth way more than you thought, you can change your coverage levels in the app  using Lemonade’s Live Policy feature.

And in those worst-case scenarios—the claims process couldn’t be simpler. Simply chat with AI Jim, Lemonade’s claims bot, and quickly tell him what happened. About 30% of claims get approved in just three seconds.

Best part? All unclaimed premiums go to a charity you choose at the end of the year. We take a fixed fee out of your monthly payments, pay reinsurance (and some unavoidable expenses), and use the rest for paying out claims. Then, we return unclaimed remainders in our annual Giveback.

Lemonade customers enjoy amazing renters insurance while society gets a little push for the better. 

Ready to get started? Get your quote today. 

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A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.