Best Home Insurance in Idaho (2023)

Compare personalized Home insurance rates in Idaho

Home Insurance in Idaho

Homeowners insurance in Idaho can prove to be one of the most valuable investments you make if a fire or storm damages your home. In many ways, you can feel overwhelmed by not having enough coverage or knowing what Idaho homeowners requirements are. Yet, you can find cheap homeowners insurance that covers all of your risks if you know what to look for in the best insurers in the area.

Home Insurance Companies in Idaho

The top-rated homeowners insurance companies in Idaho work closely with you to understand what your needs are. Then, the homeowners insurance agencies in Idaho work to compare policy options for you, based on your budget and your goals. The best home insurance companies in Idaho go further by providing you with discounts to help reduce your costs. If you work directly with independent home insurance agents in Idaho, you get even better rates as they can help you compare multiple insurers.

How to Get the Best Rates for Home Insurance in Idaho

To get the best rates, you have to compare policies among numerous insurers. The best way to do that is to know who your options are. Enter your zip code here to gain access to Idaho insurers.


<zipcode>Find The Cheapest Home Insurance In Your Area:</zipcode>


How Much Does Homeowners Insurance Cost in Idaho?

The good news is the average annual premium in Idaho is only $692. That’s well below the U.S. average of $1,173. The cheapest home insurance in Idaho comes from agents who offer discounts and bundling options. Yet, it is up to you to get home insurance quotes in Idaho to compare your options - don’t assume the first company offers the best rates.


<twitter>The good news is the average annual premium in Idaho is only $692. That’s well below the U.S. average of $1,173.</twitter>


List of Homeowners Insurance Companies in Idaho

To get a list of available home insurance agents in Idaho, enter your zip code in the box on this page. It takes just a moment to receive a full list of insurers.

How Homeowners Insurance Is Calculated in Idaho

Idaho home insurance companies assign a price based on the amount of risk a property represents. To do this, they must determine what types of risks are present to your home. Every home has some risks. These key factors impact Idaho home insurance risks most commonly.


<qa>1;Crime;Crime is very low here compared to national rates. The crime rate in Idaho for violent crimes is 2.26 per 1,000 residents. That’s well below the national average of 4. Property crime relates more to home insurance claims. In Idaho, this rate is 16.35, which is also well below the national average of 24. This helps keep rates lower here.</qa>

<qa>2;Weather/Climate;Idaho has some extreme weather events, such as drought and heat. However, wildfires are a key threat here. This can increase the risk of filing a claim. Storm damage can also be a factor.</qa>

<qa>3;Home Values;Home insurance agents set premiums based on your home’s value. Local trends play a role in these costs, too. The more valuable the home is, the more expensive insurance is. In Idaho, the median home value is $260,800. That’s a bit higher than the national average but still affordable. However, values are on their way up. From March 2018 to March of 2019, values have climbed 17 percent. That could increase your home insurance costs.</qa>


Home Insurance Requirements in Idaho

Having information about insurance requirements in your state is very important. Home insurance questions are answered here. Be sure to ask your agent any additional questions you have.

Is Homeowners Insurance Required in Idaho?

There is no law in the state requiring you to maintain homeowners insurance. However, it benefits nearly all homeowners. If you have a current mortgage on your home, the lender will write a requirement into your policy to maintain comprehensive coverage. In this case, having coverage can be a requirement.

What Does Home Insurance Cover?

Home insurance covers several risks. It protects you from things like fires, theft, and storm damage. To do so, it helps make repairs to the home’s structure if it is damaged. It also can cover your personal property if there is a covered claim. Also, home insurance includes liability insurance. This helps cover losses related to claims other people make against you.

Homeowners Insurance for New Properties in Idaho

Building a new home in Idaho is likely to require the use of a loan. This would make it a requirement to have a home insurance policy on your home. It is the best way to protect your new investment.

Homeowners Insurance for Old Properties in Idaho

Older homes in Idaho still benefit from home insurance. The unknown here, such as problems with electrical systems or plumbing, can become a key factor.

Renters Insurance in Idaho

Renter’s insurance is not a legal requirement in the state. However, many landlords require it, and the law allows them to do that.


Having renter’s insurance is beneficial to all renters. The property owner’s insurance does not protect your belongings. Your renter’s insurance will, and it will cover your liability risks, too.


<zipcode>Compare Renters Insurance in Idaho</zipcode>


Compare Home Insurance in Idaho by City

Everyone seeks out the cheapest home insurance in Idaho. Yet, many do not know what goes into getting the price down. Compare home insurance quotes to learn what you can expect to pay. Here’s a look at factors that impact rates in these cities.


<qa>1;Home Insurance Quotes in Boise City, Idaho;Boise City is the heart of Idaho and home to 226,570 people. Home values are $295,000, higher than the national average.</qa>

<qa>2;Home Insurance Quotes in Meridian, Idaho;The beautiful city of Meridian is seeing significant growth. There are 99,926 people living here. The average price of a home here is $316,200.</qa>

<qa>3;Home Insurance Quotes in Nampa, Idaho;Another up-and-coming community, Nampa has 93,590 residents. Prices are significantly lower here with an average of $226,000.</qa>

<qa>4;Home Insurance Quotes in Idaho Falls, Idaho;This stunning area is known for its quality of life and recreation. About 61,076 people live here. The median home value here is $201,300.</qa>

<qa>5;Home Insurance Quotes in Pocatello, Idaho;Smaller, Pocatello is home to 55,193 people. With a median home value of $162,500, it’s a much more affordable place to live.</qa>


Bonus: Most Expensive Homes in Idaho

Your insurance rates may be high. Think about the prices associated with the most expensive homes in the state:


  • A 5-bedroom home at Silver Spring Ranch in Gannett is valued at $23 million.
  • The home in the mountains of Ketchum at 300 Hyndman Creek Road is valued at $21.5 million.
  • The stunning, 8-bedroom home at 125 Sheep Meadow Lane is priced at $20 million.