Utah HO-3 items to verify
- Owner-occupied status and replacement-cost assumptions for the dwelling.
- Roof year, material, and claim history.
- For Utah wildfire exposure, document roof material, brush clearance, access roads, and defensible-space work.
- Earthquake coverage in Utah is usually a separate policy or endorsement path, not a default HO-3 assumption.
- Ordinance, water backup, and service-line options.
Homeowners form checkpoints
| Question | Why it matters |
|---|---|
| What assumptions did the agent enter? | Roof year, square footage, protection class, and prior losses all matter. |
| Does the quote match lender rules? | Mortgagee wording and deductible limits can affect closing. |
| What is excluded or sublimited? | Flood, earth movement, vacancy, and business use need direct review. |
| What follow-up documents are likely? | Permits, photos, and inspections often answer underwriting questions. |
Practical note
For a Utah HO-3 quote, compare the policy form, deductible wording, and endorsement list before comparing only the premium.
Verify with official sources
Use current regulator and map information, then confirm the answer in the carrier’s quote and policy.