The top-rated condo insurance agent in Cedar City, Utah is Seth Porter - State Farm Insurance Agent, rated 5.0 stars across 515 reviews. Other highly rated options include Dixie Leavitt Agency, Farmers Insurance - Jesse Robinson, Amy Carter - State Farm Insurance Agent. This directory lists 20 condo insurance agents serving Cedar City.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Seth Porter - State Farm Insurance Agent | 118 W 200 S | (435) 586-4467 |
| 2 | Dixie Leavitt Agency | 115 N Main St | (435) 586-9463 |
| 3 | Farmers Insurance - Jesse Robinson | 210 N 300 W #203 | (435) 865-1160 |
| 4 | Amy Carter - State Farm Insurance Agent | 2092 Cross Hollow Rd A | (435) 586-2797 |
| 5 | Wahweap Insurance and Financial | 1233 Sage Dr c | (435) 586-5904 |
| 6 | JRI Insurance | 1233 Sage Dr c | (435) 586-1399 |
| 7 | Leavitt Group Enterprises | 136 W University Blvd | (435) 586-6553 |
| 8 | Landon Eldredge: Financial Professional | 1233 Sage Dr c | (435) 586-5904 |
| 9 | Farmers Insurance - Roger Olcott | 444 S Main St Ste B1 | (435) 586-4600 |
| 10 | Iron Desert Insurance | 2460 UT-56 STE 3 | (435) 267-2040 |
Seth Porter - State Farm Insurance Agent serves the Cedar City, Utah area as a condo insurance agent. The agency helps condominium owners protect their units and personal belongings against common risks like fire, theft, and water damage. Policies can also cover liability if someone is injured on the property. The team assists clients in understanding the specific coverage needs required for their individual condo unit. They handle quotes for condo insurance and policy updates.
Dixie Leavitt Agency is a Condo Insurance Agent known for helping condo owners in Cedar City, Utah secure appropriate coverage for their units. The agency advises clients on protecting personal property, interior fixtures, and liability risks typically excluded from a building’s master policy. It works to match each policy with the specific requirements of the homeowner’s association. The agency can add on coverage for loss of personal use during repairs.
Farmers Insurance - Jesse Robinson offers personalized condo insurance policies tailored to protect individual unit owners in Cedar City, UT. Services include coverage for personal property, liability, and interior structural damage as needed. Jesse Robinson provides ongoing policy reviews to ensure coverage adapts to changing needs or renovation projects. Clients receive dedicated support for filing claims and adjusting deductibles. The agency services single-family homes, apartments, retail spaces, and restaurants throughout the Cedar City area.
Amy Carter - State Farm Insurance Agent provides personalized condo insurance coverage for homeowners, property managers, and investors in Cedar City, UT. The agency helps clients tailor policies that protect individual units and shared building structures. All plans address common concerns like personal liability, interior damage, and loss of use. General advice on deductibles and building ordinance coverage is available during consultations. The team also serves the neighboring communities of Enoch and Parowan.
Wahweap Insurance and Financial in Cedar City, UT offers both one-time and scheduled service options for condo insurance agents. Coverage typically protects individual unit interiors and personal property, addressing gaps left by a building’s master policy. Liability coverage is often included for incidents occurring within the unit. Service arrangements can be made on an as-needed basis for policy reviews or endorsements. Standard scheduled check-ins are also available to adjust coverage as market values shift in the local area.
JRI Insurance serves Cedar City and the surrounding Iron County communities, handling specialized condo insurance policies for local homeowners and resident associations. It addresses coverage needs such as common area liability, interior structural damage, and personal property protection for unit owners. To manage a typical job, the agency first reviews the condo’s master policy to identify coverage gaps, then customizes a plan by adjusting deductibles and adding endorsements like loss assessment coverage. This tailored approach ensures consistent policies without duplicating existing coverage.
Leavitt Group Enterprises provides specialized condo insurance agent services for Cedar City property owners, including coverage for shared building structures and individual unit contents. The firm assists clients in navigating the unique policy requirements of homeowners associations and securing protection against common interior risks. During the winter months, it helps policyholders address potential claims from frozen pipes or ice dam damage that may affect shared walls and ceilings.
When the spring melt and flash-flood season arrive in Cedar City, proper condo insurance becomes essential for unit owners facing shared-building exposures. Landon Eldredge: Financial Professional helps local policyholders navigate coverage for walls-in structures, personal liability, and loss-of-use protection. The firm answers questions about how master policies interact with individual needs and recommends appropriate deductibles for the area’s weather risks. An initial risk inspection of the condo unit is scheduled to review plumbing, HVAC, and common-wall vulnerabilities before binding any new policy.
Farmers Insurance - Roger Olcott serves Cedar City, Utah, as a dedicated condo insurance agent, helping owners protect their individual units and personal belongings against common hazards. Specializing in tailored add-ons, this agency offers endorsements for loss assessments, special personal property coverage, and liability protection that extends beyond standard policies. Additional specialty options can safeguard unique features like upgraded fixtures and expensive electronics common in modern condos. The agent’s expertise also extends to commercial sectors, including local offices, warehouses, and food service establishments needing continuous property and liability protection.
Iron Desert Insurance provides residential condo insurance services in Cedar City, Utah, ensuring individual unit owners are protected under their specific policy terms. They also offer commercial coverage for condo associations within the surrounding region. Their agents focus on helping clients understand the distinctions between building master policies and personal interior needs. Clients often return for policy reviews between annual renewal periods to adjust coverage for renovations or updated personal property valuations.
What Does a a Condo Insurance Agent in Cedar City Cost?
The cost of a condo insurance policy in Cedar City Utah typically ranges from 200 to 600 dollars per year for a standard HO-6 policy. Factors like the age of the building, your deductible choice, and the amount of personal property coverage affect the premium. This is general information and not insurance advice.
About condo insurance agents in Cedar City
Condo insurance agents in Cedar City Utah help owners understand the unique coverage needs for their unit. Utah law requires that the master policy of the homeowners association covers the building structure, but individual unit owners still need a policy for their personal property and interior fixtures. An agent can explain the difference between an all-in and bare walls master policy and help you choose the right HO-6 policy.
Frequently Asked Questions
What does a condo insurance agent in Cedar City do?
A condo insurance agent helps you find a policy that covers your personal belongings, interior walls, and liability. They also explain how your policy interacts with the HOA master policy under Utah law.
Is condo insurance required in Utah?
Yes, most HOAs in Cedar City require unit owners to carry an HO-6 policy. Utah law does not mandate it statewide, but your mortgage lender and HOA bylaws likely do.
How does Utah law affect condo insurance coverage?
Utah Code Title 57 covers common interest ownership. It defines what the HOA master policy must cover. Your agent can help you understand if your policy needs to cover the gap between the master policy and your unit.
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