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
Cour d'Alene$787$214,0663.99
Idaho Falls$558$150,8854.08
Post Falls$771$208,4884.23
Twin Falls$613$154,3646.21

Popular Questions about Idaho Home Insurance

The average premium for a homeowners policy in Idaho is $730 per year, almost half the national average of $1,211 annually. When you're trying to get the best home insurance rate, a local independent agent can help. 

In Idaho, the top insurance companies for your homeowners coverage are Travelers, Progressive, Nationwide, and Main Street America. They are highly rated due to excellent coverage options and claims service. To find which market fits you best, consult with an independent insurance agent who can help you make the right decision. 

 Some of the most reported homeowners insurance losses in Idaho are:

  • Wildfires and residential fires
  • Storm and lightening damage
  • Flooding and water damage
  • Burglaries
  • Earthquakes
  • Severe storms and lightning

Homeowners insurance is calculated using various risk factors. In Idaho, your personal and local information will affect your home insurance rates. Things like crime, natural disasters, property value, and past claims are all exposures. With the Idaho burglary rate per 1,000 people being 2.82, this can impact your costs. 

Yes, Idaho currently has 135 independent insurance agencies in operation. Independent agents are professionals who know the right companies and coverages that fit your budget and needs. 

Every homeowners insurance policy will have standard limits of protection. In Idaho, your home coverage will come with limits for dwelling value, personal property, other structures, liability, medical payments, and additional living expense. The types of losses it will cover are fire, theft, vandalism, natural disasters, and severe weather damage.

Do You Know What Your Idaho Home Insurance Covers?

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