While Utah might not be as prone to extreme natural disasters as other states may be, it can have severe weather and temperature fluctuations that pose considerable risks to homeowners. Freezing cold winters and sweltering hot summers can cause damage to your home, on top of additional risks like property crime, theft, and other accidents that occur on your property. How much is homeowners insurance in Utah? For a home valued at $300,000 in dwelling coverage and personal liability and with a $1,000 deductible, the national average annual premium is $2,305. The average cost of homeowners insurance in Utah with these same coverage options is $1,378, which is about $115 per month. Homeowners insurance rates in Utah are some of the cheapest home insurance premiums in the country. The lower cost is likely due to Utah being less prone to extreme natural disasters, as well as its relatively low crime rate. Homeowners insurance rates in Utah vary by city. For example, in Syracuse, the average annual rate is $1,265, whereas in Garrison, the average rate is $1,461. Location is one of the biggest factors in the cost of homeowners insurance. Insurance companies weigh the weather impacts, population density, proximity to fire departments, and claim history of each area and neighborhood to determine their rates. Other factors that may affect your rate include the specifics of your home, such as its structure, occupancy, and exposure to risks.