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84054, UT Home Insurance

In the zip code of 84054, the population size is around 21,552, which consists of 7,072 occupied homes in your area. We often hear homeowners ask us what the average home insurance premiums are for residence living in North Salt Lake, UT. A few years ago, a study was done and found that the average home insurance rates for Utah are around $577 per year for a standard homeowners policy. At GetHomeInsuranceQuotes.com, we help homeowners find cheaper rates and better coverage for an existing or new home purchase opportunity. We have partnered with 12 major home insurance companies that have the most competitive rates for homes in the 84054 zip code location. Our savings model helps you not only save up to 40% or more, but also includes enhanced coverage options to help protect your home and family while livings in North Salt Lake. If you enter your zip code for the home you would like to shop and compare rates for today, we can help you review the premiums and coverage online or over the phone. Give us a call now at 1-855-976-2656 so we can help you compare rates today!

If you would like to review more information on rates within your area, please click North Salt Lake, UT Homeowners Insurance Online Rates Today!

84054 Home Insurance Average Premiums

Local 84054 homeowners insurance quotes comparison

$327 /yr.

Shows Zip Code: 84054 lowest rates with discounts applied on average.

For the 84054, 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)
$327 /yr.
Average Coverage:$577 /yr.
2600 sq. ft. or higher
(all discounts applied)
$877 /yr.

What is the average home insurance cost for a home in 84054?

  • • The average homeowners insurance premium paid annually for a home in 84054 is around $577 per year.

What does it cost on average per month for home insurance in 84054?

  • • Homeowners in 84054 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 84054?

  • • Autoowners in 84054 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 North Salt Lake area, check out other zip codes nearby 84054.
Review average rates in another zip code:
84054 homeowners insurance rates

Home Replacement Cost Coverage in 84054

Average Building Cost Per Square Foot in 84054: $189

Location: North Salt Lake, Utah (Davis County)

Average Square Footage in 84054: 1,923 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 84054 before you start any project. North Salt Lake 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 84054 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 84054 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,923 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 North Salt Lake 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$1891,923$363,500
Additional Upgrades & Added Features$2361,923$454,375
Major Home Updates or Advancements$2841,923$545,250

It's important to understand that when you estimate your replacement cost of your home in the 84054 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 84054

Best Home & Auto Insurance Agencies in 84054

Housing Demographics for 84054

Population Review for 84054 Zip Code

For the city of North Salt Lake, the population within 84054 has increased to over 24,107 residents in population size. The current population total is 21,552. We have broken down the population based on race below. In 84054, there are over 10854 in male population and 10698 females.

PopulationValues
Total Population21,552
White Population15829
Black Population307
Hispanic Population3653
Asian Population762
Hawaiian Population592
Indian Population286
Other Population1663
Male Population10854
Female Population10698
Population Estimate24107

Household Data for 84054

The average number of homes in 84054 is around 7,072, there are an average of 3.05 per household. The average house value according to local real estate values is around $363,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode7,072
Persons Per Household3.05
Average House Value$363,500
Income Per Household$85213
Median Age30.6
Median Age Male30.3
Median Age Female31.0
84054 DetailsValues
StateUT
State Full NameUtah
City TypeB
City Alias AbbreviationN SALT LAKE
Area Code801/385
CityNorth Salt Lake
City Alias NameNORTH SALT LAKE
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 Businesses671
Number Of Employees12886
Business First Quarter Payroll154569
Business Annual Payroll715609
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 District02
Congressional LandArea39987.95
Delivery Residential7904
Delivery Business673
Delivery Total8483
Preferred Last Line KeyZ16186
Classification Code
Multi-County
CSA NameSalt Lake City-Provo-Orem, UT-ID
CBSA_DIV_Name
City State KeyZ16186
Land Area8.571000
Water Area0.068000
City Alias Code
City Mixed CaseNorth Salt Lake
City Alias Mixed CaseNorth Salt Lake
Box Count142
SFDU1920
MFDU6
State ANSI49
County ANSI011
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number490850
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

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]