Find the Best Homeowners Insurance Rates & Companies in Idaho

The average cost of homeowners insurance in Idaho is $905 per year, or $75 per month, for a policy with $250,000 in dwelling coverage. Idaho's home insurance rates fall well below the average for most of the rest of the nation. Having enough home insurance is critical to ensure that you can get reimbursed for many types of disasters ranging from vandalism to fire damage and beyond.

Fortunately, an Idaho independent insurance agent can help you find the right home insurance. They'll get you set up with the best policy in no time. But until then, here's an overview of home insurance requirements and more in Idaho.

Best Homeowners Insurance Companies in Idaho

You can find home insurance sold by many different carriers in Idaho. But you want to skip ahead to the insurance companies that provide only the best coverage in terms of quality and cost. That's why we put together this list of a few of the best home insurance companies in Idaho for you to start out with.

  • USAA: USAA's coverage is only available to active and retired military members and their families. The carrier provides highly affordable coverage for an average of just $745 per year. USAA also ranks high on J.D. Power's customer satisfaction survey and offers many discount options on coverage.
  • Allstate: Though Allstate's premiums are a bit higher than some other carriers, they have numerous discount options that can help greatly reduce your rates. An average home insurance policy from Allstate is about $961 per year. The carrier also offers plenty of endorsement options to help you customize your coverage and a convenient mobile app to manage your policy from home.
  • Travelers: Travelers also provides highly affordable home insurance in Idaho. Average policies cost only $757 per year from Travelers. The carrier offers many endorsement options, including green home endorsements, water backup endorsements, contents replacement cost endorsements, and personal articles floaters. Further, Travelers offers a ton of discounts to help bring down your policy costs.

An Idaho independent insurance agent can help you find the right home insurance policy from one of these top-rated carriers.

What Homeowners Insurance in Idaho Can Cover

Idaho's most common natural disasters are wildfires, floods, thunderstorms, and severe winter storms. Certain types of damage from these natural disasters won't be covered by just a standard home insurance policy. It's critical to understand which natural disasters are covered by your Idaho home insurance before one ever hits your area. 

Wildfires

Home insurance in Idaho provides coverage for many types of fire damage, including those caused by wildfires. This coverage comes standard in your policy. Your home insurance can help reimburse you for the costs of rebuilding or repairing your home's structure, as well as your personal property or contents. It can also pay extra costs associated with you needing to stay elsewhere while your home undergoes repairs after a wildfire.

Floods

Home insurance in Idaho specifically excludes many types of flood damage, especially those caused by natural sources like heavy rainfall and melted snow. To have protection against natural flooding disasters, you'd need to get a separate flood insurance policy. Natural flood damage is never included as a standard protection under home insurance.

Thunderstorms

Home insurance in Idaho provides coverage for lightning strikes and resulting fire damage, as well as wind damage from thunderstorms. However, any flooding damage that accompanies the rainfall would be excluded. Your standard home insurance policy includes coverage for wind, lightning, and fire damage.

Severe Winter Storms

Home insurance in Idaho provides coverage for snow and ice damage that can come with a severe winter storm. It also covers incidents of roof collapses due to the weight of snow and ice. But keep in mind that any natural flooding damage to the home after the snow and ice melts would be excluded.

What Homeowners Insurance in Idaho Will Not Cover

In Idaho, homeowners insurance excludes coverage for a couple of natural disasters. Earthquakes aren't covered by home insurance in Idaho, nor are natural flooding disasters, such as those caused by hurricanes. To protect your home and personal property against losses caused by earthquake damage, you need earthquake insurance. Also, as previously mentioned, you'd need a separate flood insurance policy to protect against losses due to natural flooding disasters. Since Idaho does have a moderate flood risk and a very high risk of earthquakes, consider adding both of these coverages. An Idaho independent insurance agent can help you find them. 

Flood Damage in Idaho

While natural disasters can cause flooding in homes in Idaho, so can other issues. Backed-up sewers or broken sewage lines, for example, can lead to rather messy incidents within the home. Unfortunately, home insurance often excludes coverage for sewer backups and resulting flood damage unless you've added a separate rider or endorsement to your policy specifically. So, know that while coverage is available, it's not necessarily included in your policy by default.

Average Cost of Homeowners Insurance in Idaho

The average cost of home insurance in Idaho is $905 per year or about $75 per month. This falls well below the current national average rate of $1,428 per year. Idaho's lower home insurance rates can be due to a number of different factors, such as lower-than-average crime rates in the area, lower property values, less risk of natural disaster damage, and more. Idaho is an inland state, so it has inherently less risk of certain natural disasters like hurricanes than many other states located along or closer to the coast. Its inland location can help reduce the cost of many types of coverage, including home insurance.

Average Idaho Home Insurance Costs by City

The average cost of home insurance in Idaho varies according to each city. So you could have the same policy in one city and pay a completely different rate than you would for that coverage two or three towns over. The Idaho city of Caldwell currently has the cheapest average rates, at only $506 per year. Here are some home insurance rates in Idaho by city.

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,428 year

CityAnnual insurance costAvg. home valueBurglaries / 1,000 homes
Boise$790$219,2003.2
Caldwell$506$131,7624.96
Cour d'Alene$787$214,0663.99
Idaho Falls$558$150,8854.08
Lewiston$795$188,6109.04
Meridian$832$236,2002.21
Moscow$845$236,5532.8
Nampa$555$142,9005.37
Pocatello$545$135,0386.34
Post Falls$771$208,4884.23
Rexburg$889$205,53110.67
Twin Falls$613$154,3646.21

Popular Questions about Idaho Home Insurance

The average premium for a homeowners policy in Idaho is $905 per year or about $75 per month. This rate falls well below the current national average of $1,428 per year.

We found that USAA, Allstate, and Travelers are the best home insurance companies in Idaho. We chose these carriers because of their coverage options, affordable rates, discounts available, customer service reviews, and more.

Some of the most reported homeowners insurance losses in Idaho are due to wildfires, severe thunderstorms, lightning damage, and earthquakes. You need a separate earthquake insurance policy to protect against losses to your home due to natural earthquake damage.

Homeowners insurance is calculated using various risk factors, like local crime rates, the area's risk of natural disasters, your property's value, and your personal claims history. You may find that your home insurance rates are much more or less expensive than Idaho's overall average.

Yes, Idaho currently has hundreds of independent insurance agents ready to help you find all the coverage you need. If you're looking for home insurance in Idaho, contact a local independent insurance agent today.

Standard home insurance coverage in Idaho comes with dwelling coverage, personal property coverage, personal liability coverage, and additional living expenses coverage. You can customize your policy and add more types of protection if you prefer.

An Idaho independent insurance agent can easily shop and compare quotes for home insurance from multiple different local carriers. This can help you find the right policy at the most affordable rate. These agents also know which carriers near you have the best reputation for delivering quality coverage, so they'll be sure to get you matched to a policy that delivers what you need.

Home insurance isn't required by state law in Idaho. However, if you have a mortgage, your lender most likely will require you to have this coverage.

Do You Know What Your Idaho Home Insurance Covers?

Average Cost of Home Insurance Near You

The average monthly cost of homeowners insurance in Boise is $66. Your policy's costs are calculated according to a variety of factors, including details about your property, the crime rate in your area, the amount of coverage you need, and in many cases, your credit score. 

The average monthly cost of homeowners insurance in Caldwell is $42. But your specific home insurance rate depends on a number of unique factors like your home's size, location, and value. Each insurance company has its own method for calculating rates, so it's helpful to compare quotes from multiple carriers.

The average monthly cost of homeowners insurance in Coeur d’Alene is $66. But your actual home insurance costs could vary, depending on a variety of factors like your home's size, location, and building materials.

The average monthly cost of homeowners insurance in Idaho Falls is $46. But your actual rates will be specific to you. Factors such as the age, size, and construction of your home and your credit and claims history can play a significant role in how your home insurance rates are calculated. Because each insurance company uses its own methods to assess risk and determine rates, comparison shopping can really pay off.

The average monthly cost of homeowners insurance in Lewiston is $66. But home insurance rates vary depending on your specific policy. Many different factors, including the value of your home, your personal claims history, and the area's risk of crime, all go into calculating your specific home insurance rate.

The average monthly cost of homeowners insurance in Meridian is $69. But your actual cost could be less or more because your rates depend on factors like the size of your house, the building materials used in its construction, the crime rate in your area, and your claims and credit history. 

The average monthly cost of homeowners insurance in Nampa is $46. Of course, rates can vary significantly from one homeowner to the next because they're calculated according to a number of factors. These include the age, size, and value of your house, as well as your personal claims history.

The average monthly cost of homeowners insurance in Post Falls is $64. But home insurance rates vary depending on your specific policy. Many different factors, including the value of your home, your personal claims history, and the area's risk of crime, all go into calculating your specific home insurance rate.

The average monthly cost of homeowners insurance in Pocatello is $45. But your actual rates are calculated according to a number of factors, including details about your property, the crime rate in your area, and the amount of coverage you buy.

The average monthly cost of homeowners insurance in Twin Falls is $51. But home insurance rates vary depending on your specific policy. Many different factors, including the value of your home, your personal claims history, and the area's risk of crime, all go into calculating your specific home insurance rate.

https://www.primalsurvivor.net/natural-disasters-in-idaho/

https://www.bankrate.com/insurance/homeowners-insurance/idaho/

https://www.thezebra.com/homeowners-insurance/idaho-home-insurance/