Homeowners Insurance in Cedar City, Utah
(84720 · 84721 · Iron County · SUU · Cedar Canyon · Historic Downtown)
Reviewed by Kip LeeLicensed UT / NV / AZ agent since 2005
Homeowners insurance quotes for Cedar City, UT (84720 / 84721). Compare Utah home insurance rates from 20+ A-rated carriers.
Serving ZIP 84720, 84721 and surrounding Iron County.
Homeowners insurance in Cedar City, Utah (ZIPs 84720 and 84721) typically costs $800–$2,400/year for a single-family home. Rates hinge on rebuild cost, roof pitch and snow load at 5,800 feet, Cedar Mountain wildland-fire distance, Coal Creek flood proximity, and freeze-burst pipe risk. Call (435) 628-0993 for a same-day Cedar City home insurance quote.
OnPoint Insurance Group is a licensed independent agent that shops 20+ A-rated homeowners carriers — Travelers, Nationwide, Liberty Mutual, Foremost, National General, and more — against your exact Cedar City address, dwelling value, and roof. We also write mobile and manufactured home insurance for park and acre-lot addresses in Fiddlers Canyon, SUU-adjacent areas, Cross Hollow, Providence Center, Historic Downtown, and acre lots toward Enoch and Cedar Highlands.
Reviewed by Kip LeeLicensed UT / NV / AZ agent since 20055.0 · 100+ reviews
Also writing nearby: Cedar City auto, Parowan, Brian Head ATV, or our Southern Utah home overview.
Home Insurance built for the way Cedar City actually lives
Cedar City sits at 5,800 feet, which means a different risk profile than St. George: real winters, ice on I-15, snow-load considerations on roofs, and a meaningful drop in summer hail exposure. We write coverage that reflects Cedar's climate, not St. George's.
Cedar's economy splits across SUU, healthcare, manufacturing, and a strong tourism corridor pulling people up to Brian Head, Cedar Breaks, and the Zion side roads. We work with student-rental owners, university families, contractors, and small business operators across Iron County.
When we quote home insurance for a Cedar City client, we factor in real winters with snow-load and ice risk, SUU student-housing landlord coverage, cedar city historic downtown and coal creek flood risk, and the specific carriers that price Iron County fairly. That's the difference between a quote and a policy that holds up when something happens.
The endorsements every Cedar City home policy should be checked for
Cedar City's stack of exposures — 5,800-foot snow load, Cedar Mountain WUI edge, Hurricane / Parowan Fault proximity, Coal Creek runoff, and a heavy Shakespeare-Festival short-term-rental market — makes a plain HO-3 more likely to leave gaps here than in almost any other Southern Utah city. Before you bind, we check these eight lines on every 84720 / 84721 quote:
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Confirm the HO-3 doesn't exclude weight-of-ice-and-snow collapse (some regional carriers do at elevation) and that roof surface is written on replacement cost, not ACV — matters most on Cross Hollow and Providence Center homes with steeper pitches.
Verify the water-damage sub-limit is at least $50K–$100K and that sudden-and-accidental freeze is included even during unoccupied Shakespeare-season rentals or SUU winter breaks.
Not sure which of these your current 84720 / 84721 policy actually includes? Send us the dec page and we'll mark it up line-by-line before you renew — (435) 628-0993.
- Elevation & snow load: Cedar City sits at ~5,800 ft — carriers rate roof pitch, truss age, and snow-load capacity on almost every 84720 / 84721 quote.
- Typical annual premium: $800–$2,400 for a single-family Cedar City home (1,600–3,200 sqft, $250K–$625K dwelling).
- Avg dwelling rebuild: ~$228/sqft on pre-1985 Historic Downtown brick and masonry vs. ~$252/sqft on newer Fiddlers Canyon, Cross Hollow, and Providence Center builds.
- Freeze-burst pipe risk: Cedar City sees ~90+ nights below 32 °F each winter — water-damage sub-limits and ice-dam roof endorsements are the #1 claim conversation.
- Wildfire / WUI exposure: ~1 in 3 Cedar City homes we quote sit within 2 miles of Cedar Canyon, Cedar Mountain, or the SR-14 wildland edge — most need a defensible-space credit or WUI-rated carrier.
- Earthquake proximity: The Hurricane Fault's northern extension and the Cedar City–Parowan Fault both run through Iron County — HO-3 excludes earth movement, so an EQ endorsement is a real Cedar City conversation.
Figures reflect OnPoint Insurance Group's Cedar City (Iron County, UT) book of business. Your rate and exposure depend on the specific 84720 / 84721 address, roof, and dwelling rebuild value — call (435) 628-0993 for a same-day quote.
What changes home insurance pricing and coverage in Cedar City
Every Cedar City home quote we write factors in the specific risks below. National carriers running rates off ZIP-code averages miss this — which is why Cedar City clients often see materially different premiums and coverage between shops. Here's what we pay attention to in Iron County:
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A note on Cedar City specifically: Cedar's economy splits across SUU, healthcare, manufacturing, and a strong tourism corridor pulling people up to Brian Head, Cedar Breaks, and the Zion side roads. We work with student-rental owners, university families, contractors, and small business operators across Iron County. For home insurance specifically, this shapes which carriers we lead with, what limits many clients consider, and which endorsements tend to actually pay out when Cedar City clients file a claim. Generic statewide templates miss most of this.
An independent agent serving Cedar City
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Cedar City homeowners insurance — go deeper
Local to every corner of Cedar City
We write home insurance for Cedar City clients across downtown Cedar City, SUU area, Cross Hollows, Enoch (just north), Coal Creek area and Fiddlers Canyon — plus the surrounding Iron County area.
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