Provo

About Provo

Insurance in Provo, UT

Inszone Insurance is an independent agency writing Provo insurance from 289 East Center, a block off Center Street downtown. The office has been here since 1935, for most of that time as ISU-Wiseman Insurance — and a Wiseman still works on the team.

Independent means we are not limited to one carrier’s underwriting appetite. We shop your risk, explain the trade-offs in plain language, and stay with the account after the policy is issued rather than handing it to a service centre.

Provo is not an average Utah market, and two things shape almost every policy we write here. The first is the student rental economy: tens of thousands of BYU students in contract housing, a landlord base that turns over units every August, and a whole category of coverage questions that barely comes up in other cities. The second is Silicon Slopes — the software and startup corridor running north from here, where a company’s biggest exposure is usually its data and its contracts rather than its building.

Underneath both sits the exposure most Utah households have never priced. The Wasatch Front carries serious seismic risk, the Utah Geological Survey puts the odds of a magnitude 6.75 event at roughly 43% over 50 years, and earthquake is excluded from every standard homeowners policy in the state. Our insurance team at Provo will read your current declarations page before quoting, so the comparison is real rather than cosmetic.

Buy your insurance in Provo, UT!

Personal Insurance in Provo, UT

Renters insurance in Provo is the coverage we are asked about most, which is unusual for a city this size and entirely explained by campus. A policy covers your belongings and your personal liability — not the building — and in shared contract housing it is worth understanding whose policy responds when a roommate’s mistake damages someone else’s property.

Parents buying student renters insurance from out of state are a large part of that. Depending on the student’s age, enrolment status and whether they are a dependent, belongings at school may already extend from the family homeowners policy at a reduced limit — and sometimes a standalone renters policy is still the better answer. We will tell you which one applies rather than selling the second by default.

Car insurance in Provo is the other volume line. Utah is a no-fault state: $3,000 of personal injury protection is mandatory, minimum liability limits rose to 30/65/25 on January 1, 2025, and uninsured and underinsured motorist coverage must be offered and rejected in writing. That last one is the most common gap we find on an existing policy.

Earthquake insurance is a separate policy or endorsement, typically with a percentage deductible in the 10 to 20 percent range. Take-up along the Wasatch Front remains low relative to the hazard, and the first honest step is simply pricing it.

We also write home insurance in Provo, UT, condo policies, personal umbrella liability, and specialty lines including motorcycle, boat, RV and classic car. Landlord insurance is its own conversation in this city. A rental property near campus with a September-to-April occupancy cycle, multiple unrelated tenants on one contract, and periods of vacancy underwrites differently from a single-family rental anywhere else in Utah.

Finally, life insurance in Provo is available through the same office, so term and permanent coverage can be reviewed alongside everything else rather than in isolation.

Business Insurance in Provo, UT

Utah requires workers’ compensation for essentially every employer — sole proprietors and partners with no employees are outside it, and corporate officers, directors and LLC members can elect in or out.

If you hire subcontractors, the Utah workers compensation waiver is the document that decides whether you are treated as their statutory employer. General contractors need one on file from every owner-operator sub before the work starts, and collecting them after a claim is not an option. We handle that process rather than leaving it in your inbox.

We place business insurance in Provo, UT across general liability, commercial property, business owner’s and commercial package policies, commercial auto and fleet, and surety bonds.

For the Silicon Slopes side of the client base, tech company insurance means technology errors and omissions, cyber liability and data breach response, and directors and officers coverage that contemplates a funding round. A general liability policy on its own does not respond to a software failure or a breach.

Contractors insurance covers the trades working across Provo and the south end of the county — general liability, tools and equipment, commercial auto, and the certificates and additional-insured endorsements that usually hold up the job. Our insurance agents in Provo turn those around the same day.

Inszone Insurance agency near me

If you are looking for Wiseman Insurance in Provo, this is the same office — 289 East Center, open Monday through Friday, 8:30 AM to 5:00 PM.

We serve Provo and the communities south and east of it, including Springville, Spanish Fork, Mapleton, Payson and Salem. Inszone also has a separate Orem insurance agency office at 1345 West 1600 North for clients on the north side.

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FAQs

What are the minimum auto insurance requirements in Utah?

Utah requires liability limits of at least $30,000 per person, $65,000 per accident, and $25,000 for property damage — increased effective January 1, 2025 from the prior 25/65/15. Utah is also a no-fault state with $3,000 of mandatory personal injury protection, and uninsured/underinsured motorist coverage must be offered and rejected in writing.

Do I need earthquake insurance in Utah?

It is worth pricing, and most people here have not. The Utah Insurance Department states plainly that earthquakes are generally not covered under a homeowners policy, while the Utah Geological Survey puts the probability of a magnitude 6.75 event on the Wasatch Front at roughly 43% over 50 years. Earthquake coverage is a separate policy or endorsement and typically carries a percentage deductible in the 10 to 20 percent range. Take-up along the Wasatch Front remains low relative to the hazard.

Does my student need renters insurance at BYU or UVU?

Often, but not always. Many homeowners policies extend a reduced limit to a dependent full-time student living in school housing, which can be enough for belongings but leaves personal liability thin — and contract housing with unrelated roommates is exactly where liability questions arise. If the student is over the age limit on the parents’ policy, not a dependent, or living off campus on their own lease, a standalone renters policy is usually the right answer. Bring the housing contract and we will tell you which applies.

Does my Provo business need workers’ compensation insurance?

Yes. With few exceptions, every Utah employer must provide workers’ compensation for all employees. Sole proprietors and partners with no employees are outside it; corporate officers, directors and LLC members can elect in or out. If you hire subcontractors, Utah’s workers’ compensation coverage waiver is the document that protects you from statutory employer liability.

How do I get a quote from your Provo insurance office?

Call 801-377-3060, use the quote form on this page, or stop by 289 East Center. It speeds things up if you have your current declarations page handy — for business coverage, your annual revenue, payroll by job class and loss runs for the last three to five years. For a rental property, bring the lease or housing contract. If you have a non-renewal or cancellation notice, bring it; the date on it changes what options we have.