Homeowners Insurance
Your home is likely your largest asset. Rhino Insurance compares homeowners policies across multiple carriers so your dwelling, belongings, and liability are covered for what it would actually cost to rebuild where you live — not an outdated estimate.
What homeowners insurance covers
Dwelling & other structures
Rebuilds your house and detached structures like garages and sheds after a covered loss. We help you set replacement-cost limits that reflect current local construction prices.
Personal property
Covers furniture, electronics, and belongings. Replacement-cost coverage pays to buy new rather than depreciated value.
Liability & medical payments
Protects you if someone is injured on your property or you're held responsible for damage to others.
Loss of use
Pays for temporary housing and living costs if your home becomes uninhabitable after a covered loss.
Why the right coverage matters
Homeowners across the West face wildfire risk near the foothills, wind and hail in open country, and frozen-pipe claims in winter. Standard policies often exclude earthquake and flood — both real considerations in many mountain communities — so we help you add the right endorsements instead of discovering a gap after a loss.
Coverage options we shop
- Replacement-cost dwelling and contents coverage
- Earthquake and flood endorsements
- Scheduled coverage for jewelry, firearms, and valuables
- Water backup and service-line coverage
- Home + auto bundling discounts
Homeowners Insurance questions
Does homeowners insurance cover earthquakes?
No — standard homeowners policies exclude earthquake damage. In seismic regions, we strongly recommend adding earthquake coverage and can quote it across carriers.
How much dwelling coverage do I need?
You should insure your home for its replacement cost — what it would cost to rebuild today — not its market value or purchase price. We help calculate this based on current local construction costs.
Is flood damage covered?
Flood is excluded from standard policies and requires a separate policy. Even if you're not in a high-risk zone, snowmelt and heavy rain can cause flooding in many areas.
Local roots, regional reach
Home insurance in Draper · Home insurance in Sandy · Home insurance in South Jordan · Home insurance in Riverton · Home insurance in Lehi · Home insurance in West Jordan
Get your Home insurance quote
Tell us a little about what you need and we'll compare carriers to find the right coverage at a competitive rate.