Utah home insurance by the numbers
Utah insurers must give at least 30 days of written notice before nonrenewing a home policy, and must answer a written request for the reason within 10 working days. Utah has no FAIR plan. About 70.2 percent of Utah homes are owner occupied, with a median value of $489,400, per the U.S. Census Bureau.
30 days is a short window. If your notice arrived, start shopping this week.
Call for help now · (888) 344-6410Do this now
- Check your expiration date and count the days left.
- Request the specific reason in writing.
- Look up your area on the Utah Wildfire Risk Assessment Portal.
- Call a broker about admitted and surplus-lines options.
Insurance rules
| Number | What it means | Source |
|---|---|---|
| 30 days | Minimum written notice before a nonrenewal | Utah Code 31A-21-303 |
| 10 working days | Time an insurer has to answer your written request for the reason | Utah Code 31A-21-303 |
| 20 percent | A wildfire-driven premium increase above this lets you request the facts behind it | Utah Code 31A-22-1310 |
| January 1, 2026 | Wildfire notice rules (HB 48) took effect | Utah Code 31A-22-1310 |
| January 1, 2027 | High-risk WUI property fee start date, moved back by HB 41 (2026) | Utah Code 17E-7-401, HB 41 |
| 0 | FAIR plans in Utah. HB 562 (2026) proposed one and did not pass | PIPSO members, HB 562 |
Housing
| Number | Measure | Source |
|---|---|---|
| 1,307,088 | Housing units, July 1, 2025 | Census QuickFacts |
| 70.2% | Owner-occupied housing unit rate, 2020-2024 | Census QuickFacts |
| $489,400 | Median value of owner-occupied homes, 2020-2024 | Census QuickFacts |
| $2,009 | Median monthly owner costs with a mortgage, 2020-2024 | Census QuickFacts |
For the full Utah guide, see the Utah nonrenewal hub.
Related guides
Editorial standards: written from state insurance department rules and statutes, cited on each page
Last updated November 3, 2026 · Rules change often; we update state pages monthly.
FAQ
How much notice does an insurer have to give before nonrenewing in Utah?
At least 30 days of written notice before the policy expires, under Utah Code 31A-21-303.
Does Utah have a FAIR plan?
No. Utah is not on the PIPSO list of state plans, and HB 562 (2026), which proposed one, did not pass.