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Homeowners Insurance in 84041

In Layton, UT, our homeowners insurance rates are very competitive in price and coverage options. Many homeowners located in the 84041 zip code have found it very easy to shop with GetHomeInsuranceQuotes.com. When you start our quoting process, we will clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our Utah licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. Best of all, you can get up to 12 competitive quotes for your home in 84041 all from one place. Our quoting process is hassle free and we do not spam. If you want to see real savings on your new home insurance policy, let us help you shop online home insurance quotes that are more affordable and have better coverage. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 84041 should appear in the zip code field ready to go.

84041 Homeowners Insurance Rates Are Considered: Very Low!

If your looking for a standard homeowners policy in Utah, you are going to see rates around the average home insurance premium per year of $581. However, with our online quoting process, we can compare the most competitive rates for you. Plus, our professional advice will allow you to get the most out of your Layton home insurance by making sure all the risk you may encounter will be covered. Homeowners insurance comes in a variety of different coverage options and we want to get you the best rate but also provide a dependable company and policy that you can stand behind when you need it the most.

Get 84041 Home Insurance Rates Now!

Best 3 Options to Compare in 84041

If you want homeowners insurance quotes within the city of Layton or in the 84041 area then we can help you compare the most affordable options when it comes to getting a new homeowners insurance policy. Clicking on the link helps you find average home insurance rates in Layton, UT.

84041 Home Insurance Average Premiums

Local 84041 homeowners insurance quotes comparison

$331 /yr.

Shows Zip Code: 84041 lowest rates with discounts applied on average.

For the 84041, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$331 /yr.
Average Coverage:$581 /yr.
2600 sq. ft. or higher
(all discounts applied)
$881 /yr.

What is the average home insurance cost for a home in 84041?

  • • The average homeowners insurance premium paid annually for a home in 84041 is around $581 per year.

What does it cost on average per month for home insurance in 84041?

  • • Homeowners in 84041 pay a monthly average cost per month around $48.00.

What kind of discount could I get if I combine my home and auto insurance together in 84041?

  • • Autoowners in 84041 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Layton area, check out other zip codes nearby 84041.
Review average rates in another zip code:
84040 homeowners insurance rates
84041 homeowners insurance rates

Home Replacement Cost Coverage in 84041

Average Building Cost Per Square Foot in 84041: $189

Location: Layton, Utah (Davis County)

Average Square Footage in 84041: 1,549 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 84041 before you start any project. Layton homeowners pay on average around $189 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 84041 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 84041 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,549 sq. ft. and the average cost to rebuild the home in this area is around $189 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Layton area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1891,549$292,700
Additional Upgrades & Added Features$2361,549$365,875
Major Home Updates or Advancements$2841,549$439,050

It's important to understand that when you estimate your replacement cost of your home in the 84041 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 84041

Best Home & Auto Insurance Agencies in 84041

Ehrhart- Travis M

Address: 2704 N Hill Field Rd Layton, UT 84041
Phone:
Website:
Info:

Travis M Ehrhart Ins Agcy Inc - State Farm Insurance Agent

Address: 2704 N Hill Field Rd, #3 Layton, UT 84041
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Allstate Insurance Companies

Address: 1014 W Gentile St Layton, UT 84041
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Brenda J Freeman Ins Agcy Inc - State Farm Insurance Agent

Address: 975 N Main St, #2 Layton, UT 84041
Phone:
Website: http://www.brendafreeman.com
Info:

Dunkley- Richard M - State Farm Insurance Agent

Address: 1706 N 1200 W, #3 Layton, UT 84041
Phone:
Website:
Info:

Housing Demographics for 84041

Population Review for 84041 Zip Code

For the city of Layton, the population within 84041 has increased to over 58,458 residents in population size. The current population total is 55,289. We have broken down the population based on race below. In 84041, there are over 27910 in male population and 27379 females.

PopulationValues
Total Population55,289
White Population43151
Black Population869
Hispanic Population8855
Asian Population1277
Hawaiian Population444
Indian Population539
Other Population3771
Male Population27910
Female Population27379
Population Estimate58458

Household Data for 84041

The average number of homes in 84041 is around 17,819, there are an average of 3.08 per household. The average house value according to local real estate values is around $292,700. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode17,819
Persons Per Household3.08
Average House Value$292,700
Income Per Household$76615
Median Age29.5
Median Age Male28.7
Median Age Female30.5
84041 DetailsValues
StateUT
State Full NameUtah
City TypeP
City Alias Abbreviation
Area Code801
CityLayton
City Alias NameLAYTON
CountyDavis
County FIPS011
State FIPS49
Time Zone7
Day Light SavingY
MSA7160
PMSA
CSA482
CBSA36260
CBSA_DIV
CBSA_TypeMetro
CBSA_NameOgden, UT
MSA_NameSalt Lake City-Ogden, UT MSA
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses1534
Number Of Employees22701
Business First Quarter Payroll222238
Business Annual Payroll986438
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population547184
CBSA Division Population0
Congressional District01
Congressional LandArea19560.79
Delivery Residential18980
Delivery Business1476
Delivery Total23081
Preferred Last Line KeyZ16101
Classification Code
Multi-County
CSA NameSalt Lake City-Provo-Orem, UT-ID
CBSA_DIV_Name
City State KeyZ16101
Land Area14.929000
Water Area0.036000
City Alias Code
City Mixed CaseLayton
City Alias Mixed CaseLayton
Box Count375
SFDU8512
MFDU1399
State ANSI49
County ANSI011
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number494760
Unique ZIP Name
SSA State County Code46050
Medicare CBSA Code36260
Medicare CBSA NameOgden-Clearfield, UT
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseDavis

Utah Homeowners Insurance News & Information

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    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]