Lehi’s rental market has grown right along with the city. Landlords here rent newer homes near Traverse Mountain and Holbrook Farms, basement apartments, townhomes near Silicon Slopes, and older houses closer to Main Street. Winters are cold and summers are dry, so the risks that cost Lehi landlords most often involve frozen water and worn-out equipment.
This page sticks to the coverage choices that matter most for Lehi rentals. If you want every option explained in full, start with our guide to landlord insurance coverage options. Western Pacific Insurance is an independent agency that works with landlords in Lehi and across Utah.
The choices that shape a Lehi landlord policy
- How claims are paid: some policies cover only a list of named risks, while others cover everything that is not specifically excluded. Some also pay what damaged parts are worth today, not what it costs to replace them.
- Who is named: if the rental sits in an LLC or trust, some carriers can add it as a second named insured next to you.
- Roof settlement: many policies pay wind and hail roof claims on a schedule that shrinks as the roof ages.
- Add-ons: water backup, service line, appliance breakdown, matching, and short-term rental coverage.
Freezing pipes and equipment breakdown
A pipe that freezes and bursts in an empty unit can run for days before anyone notices. Lehi City says it maintains the culinary water line only up to the meter. From the meter into the home, the line, the water heater, and the rest of the plumbing belong to the owner. The city also asks owners to shut off and drain pressurized irrigation systems in the fall, no later than early November, to prevent damage. Add both to your turnover checklist, and make sure tenants know to keep the heat on.
Two add-ons are worth a look for Lehi winters. Service line coverage can help with buried lines damaged by freezing or frost heave, and one carrier lists up to $12,000 for those repairs. Home systems and appliance breakdown coverage can help when a furnace or water heater fails suddenly in January, and one carrier lists up to $50,000. Limits vary by state, and wear and tear is excluded.
Short-term rentals and basement units
If you rent out a basement apartment or list a home by the night, check with Lehi City about current rules for accessory units and short-term rentals before you start. A homeowners policy often will not respond to a paying guest’s claim, as our Utah short-term rental insurance page explains. Some landlord policies can add short-term rental coverage, but it may not fit every rental, so ask us first.
Liability when tenants and guests are on site
Most landlord policies include liability for injuries on the property, but tenant claims can reach well past a fall on the stairs. After a dispute, a tenant may claim wrongful entry, invasion of privacy, or wrongful eviction. On many policies that coverage is an add-on instead of built in, so ask whether yours includes it. If the rental is held in an LLC or run by a property manager, ask whether liability can be extended to them as well.
Between tenants
Many landlord policies expect a new tenant to move in within about 60 days of a move-out. If a turnover or remodel will take longer, call us before day 60. A vacant home policy may bridge the gap.
Ways Lehi landlords may lower their premium
Lehi landlords may be eligible for credits for a newer roof or plumbing, a claims-free history, tenant screening, and keeping renters insurance on file. Bundling home, auto, or umbrella with the rental through one independent agent may earn a multi-policy credit. Discounts vary by carrier and by state.
What we will ask you
Expect questions about the year built, the roof’s age and material, recent plumbing or electrical updates, the number of units, how the home is rented, who owns it, and any losses in the past five years. Rentals worth more than $1,000,000 or built before 1930 usually get a closer look, so photos and records of updates help.
Carriers we may be able to offer
We compare more than one carrier for Lehi rentals. Liberty Mutual Landlord Protection is one carrier option we may be able to offer; ask us what fits. Eligibility, limits, and pricing depend on the carrier and your property, so we do not promise any of them here. If you want bigger liability limits, an umbrella policy can sit on top of your landlord coverage.
Related pages
For Utah basics, read our Utah landlord insurance guide for the Wasatch Front. For water, see Utah water backup coverage, and for valuable homes, Lehi high-value home insurance. We also cover landlord coverage options in Henderson, Phoenix, and San Diego. Our does landlord insurance cover renters page explains why tenants need their own policy.
Get your Lehi rental policy reviewed
Gather your declarations page, your lease, and the dates of your last roof and plumbing updates, then call 702-932-3105 or request a quote online.
