Utah Home Insurance Nonrenewal Rates Rose in 2025
Utah homeowners faced the nation's highest nonrenewal rate, leading many to seek surplus lines or drop coverage.
Updated on Sept. 19, 2026 in Insurance
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In 2025, Utah recorded a 4.5% home insurance nonrenewal rate, marking the highest level in the United States. This represents a significant increase from the 1.73% rate recorded in 2024 as insurance providers discontinued policies across the state.
Why it matters
The destabilization of the local insurance market, driven by climate-related disasters like storms and hail, has left 11.3% of Utah homes without any insurance coverage. Without state legislative intervention, this trend is projected to worsen.
Utah reached a 4.5% home insurance nonrenewal rate in 2025, significantly higher than the 1.73% recorded in 2024. Currently, 11.3% of homes in the state have no insurance coverage, compared to 23% in New Mexico.
The players
Utah Department of Insurance
The state regulator responsible for overseeing insurance policies and market stability for residents.
Idaho Department of Insurance
The state regulator that has monitored regional impacts and discussed the rise of surplus line policies.
The details
Insurance companies are discontinuing policies due to increased risks from severe weather events like wind and hail. As a result, Utah homeowners are increasingly forced to transition to surplus line insurance policies, which often provide different terms, or they are choosing to forgo coverage entirely. This shift highlights a widening gap in property protection for residents across the state.
Timeline
2024: Utah recorded a 1.73% insurance nonrenewal rate.
2025: Utah recorded a 4.5% insurance nonrenewal rate.
Money Landscape
The current insurance market volatility in Utah follows a pattern of destabilization set by historical disasters like the 2018 California Camp Fire. This shift signals a broader challenge for homeowners in regions increasingly affected by climate-related property risks.
Homeowners should review their current insurance declarations page to confirm their policy remains in force and active. If you receive a nonrenewal notice, consult with a qualified insurance professional to explore available coverage options including surplus line alternatives.
The takeaway
The sharp increase in policy nonrenewals highlights a cooling market that puts more homeowners at risk of being uninsured. Maintain open communication with your insurance provider to ensure you have adequate coverage and verify your property's status before your next policy renewal date.
Further reading
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