In Utah, a property owner generally has a legal obligation to maintain their property in a reasonably safe condition for visitors who have permission to be on the property. This legal duty of care is known as "premises liability."
However, if you were trespassing on the property without permission at the time of your injury, the property owner's insurance may not cover your injuries. In Utah, property owners are generally not liable for injuries sustained by trespassers, unless the property owner intentionally or recklessly caused the injury.
There are some exceptions to this general rule, such as if the property owner knew or should have known that trespassers frequently entered the property, and failed to take reasonable steps to warn or protect against them.