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What type of insurance do you need?
The average American homeowner pays $1,173 per year for home insurance, but in Idaho, the average annual premium is only $692, making it one of the least expensive states in the nation for home insurance. Even though insurance is less expensive for homes in Idaho, you can still save big by working with an independent insurance agent to find the best policy to meet your coverage and budgetary needs.
Your home insurance gives you a backup plan in case a catastrophe strikes in your neighborhood. Whether it's a fire, heavy winds or a burglary, you're covered if you have a suitable Idaho homeowners insurance policy.
Pays for repairs to your home and your belongings
Pays for someone else's injuries or property damage when it's your fault
Pays for temporary living expenses when your home is damaged
We can’t be 100% certain, but in 2016, insurance companies spent more than $170 million on home insurance claims in Idaho. That's a lot of unfortunate events happening to Idaho homeowners.
Insurance carriers calculate the cost of a home insurance policy by asking "how likely is it that something bad will happen?" The more likely it is that something bad will happen, the more expensive the home insurance policy will be, and vice versa. We call these potential disasters "risk." Let’s take a look at how risky Idaho is compared to the rest of the US.
The average burglary rate in Idaho is higher than the national average. It is important that you have the proper coverage in place so that you can be sufficiently covered against your losses if you are the victim of a break-in.
Residents of Idaho do not have a lot of property-damaging weather risks to worry about. However, there is a risk of wildfires in this state. These fires can be all-consuming and can bring about a total loss. Be sure that your home insurance coverage limits are high enough to offer you full protection.
Yes! There are currently 135 independent insurance agents in Idaho who are ready to help. Did you know that independent insurance agents can give you multiple policy options to choose from? That way, you'll receive completely customized coverage that addresses all of your unique insurance needs.
National average burglary rate 4.69 per 1,000 homes
National average home value $188,900
National average home insurance cost $1,173 year
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