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If you live in the 84646 zip code, we can help you find a better homeowners insurance policy at a lower price. Homeowners within the city of Moroni have saved hundreds of dollars on their annual premium when using GetHomeInsuranceQuotes.com.

Our service is always free and we not only find a great policy for you, our UT licensed agents will provide you with a free consultation to discuss your coverage needs and answer any questions you may have regarding policy coverages or rates.

It is easy to start shopping for a new policy, just click on the "Get Multiple Quotes Now" button below, confirm your 84646 and then compare quotes from a variety of nationwide insurance companies.

84646 Average Homeowners Insurance Rates

If you are shopping for a HO-3 policy, which is considered the standard when it comes to homeowners insurance, we can help. In 84646 the average premium for homeowners coverage is $563 which compares very well to the national average of $1,249.

Our site makes it easy for you to find the insurer that offers the best coverage at the best rate in 84646. We are happy to answer any questions you may have and explain the different type of coverage while helping you determine what coverage levels are best for your family.

Get Free Home Insurance Quotes in 84646 Today!

We can help you find up to 12 homeowners insurance quotes quickly and from the comfort of your own home. In addition, we can do a discount review to make sure you are getting all available discounts on your policy.

Click to review the best Moroni, UT home insurance quotes in your area.

84646 Home Insurance Average Premiums

Local 84646 homeowners insurance quotes comparison

$313 /yr.

Shows Zip Code: 84646 lowest rates with discounts applied on average.

For the 84646, 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)
$313 /yr.
Average Coverage:$563 /yr.
2600 sq. ft. or higher
(all discounts applied)
$863 /yr.

What is the average home insurance cost for a home in 84646?

  • • The average homeowners insurance premium paid annually for a home in 84646 is around $563 per year.

What does it cost on average per month for home insurance in 84646?

  • • Homeowners in 84646 pay a monthly average cost per month around $47.00.

What kind of discount could I get if I combine my home and auto insurance together in 84646?

  • • Autoowners in 84646 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 Moroni area, check out other zip codes nearby 84646.
Review average rates in another zip code:
84646 homeowners insurance rates

Home Replacement Cost Coverage in 84646

Average Building Cost Per Square Foot in 84646: $189

Location: Moroni, Utah (Sanpete County)

Average Square Footage in 84646: 938 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 84646 before you start any project. Moroni 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 84646 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 84646 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 938 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 Moroni 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$189938$177,300
Additional Upgrades & Added Features$236938$221,625
Major Home Updates or Advancements$284938$265,950

It's important to understand that when you estimate your replacement cost of your home in the 84646 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 84646

Best Home & Auto Insurance Agencies in 84646

Dyches- Danny R

Address: 309 E Main St Moroni, UT 84646
Phone:
Website:
Info:

Housing Demographics for 84646

Population Review for 84646 Zip Code

For the city of Moroni, the population within 84646 has increased to over 0 residents in population size. The current population total is 1,902. We have broken down the population based on race below. In 84646, there are over 972 in male population and 930 females.

PopulationValues
Total Population1,902
White Population1405
Black Population0
Hispanic Population501
Asian Population3
Hawaiian Population40
Indian Population14
Other Population291
Male Population972
Female Population930
Population Estimate0

Household Data for 84646

The average number of homes in 84646 is around 566, there are an average of 3.33 per household. The average house value according to local real estate values is around $177,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode566
Persons Per Household3.33
Average House Value$177,300
Income Per Household$56154
Median Age29.6
Median Age Male29.0
Median Age Female30.4
84646 DetailsValues
StateUT
State Full NameUtah
City TypeZ
City Alias Abbreviation
Area Code435
CityMoroni
City Alias NameMORONI
CountySanpete
County FIPS039
State FIPS49
Time Zone7
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionWest
DivisionMountain
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses31
Number Of Employees775
Business First Quarter Payroll7580
Business Annual Payroll30780
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District04
Congressional LandArea2550.35
Delivery Residential0
Delivery Business0
Delivery Total724
Preferred Last Line KeyZ16158
Classification CodeP
Multi-County
CSA Name
CBSA_DIV_Name
City State KeyZ16158
Land Area44.110000
Water Area0.010000
City Alias Code
City Mixed CaseMoroni
City Alias Mixed CaseMoroni
Box Count667
SFDU0
MFDU0
State ANSI49
County ANSI039
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number495950
Unique ZIP Name
SSA State County Code46190
Medicare CBSA Code99946
Medicare CBSA NameRural Areas in UT
Medicare CBSA TypeMicro
Market Rating Area ID6
County Mixed CaseSanpete

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 […]