Utah · Insurance
Property and casualty: home, auto, flood and wind coverage. Utah articles from the regional hub.
Official Utah law authorizes an assigned-risk plan for auto coverage that is hard to find. For homeowners risks that admitted insurers decline, official Department materials describe difference-in-condition policies and surplus-lines coverage rather than a FAIR Plan.
Official Utah insurance law uses a 30-day cancellation notice for most midterm cancellations and a 10-day notice for personal-lines nonpayment. A notice of intent not to renew must go out at least 30 days before expiration or the anniversary date.
Official Utah law sets auto liability minimums at 30/65/25, or a $90,000 combined single limit, for policies issued or renewed on or after January 1, 2025. Personal injury protection is also required, with limited official exceptions.
Official Utah Insurance Department flood materials say a standard homeowners policy does not cover flood or post-wildfire mudflow. Most flood policies are federally backed through the NFIP and usually carry a 30-day waiting period, with a limited post-wildfire exception.
The Utah Insurance Department accepts written consumer complaints after you contact the company or agent. The official Complaint Portal is the preferred path, and official materials say the process usually takes three to four weeks.
Official 31A-22-302 requires uninsured and underinsured motorist coverage unless each is affirmatively waived. The written UM rejection must be on the insurer's form and must explain the purpose of the coverage.
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