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?

Find the Best Homeowners Insurance in Your 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 $1,211 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
  1. $66
  2. Boise, ID Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Boise: $66 
  4. Your actual costs will be calculated according to a variety of factors, including details about your property, the crime rate in your ZIP code, the amount of coverage you are purchasing, and in many cases, even your credit score. It should therefore come as no surprise if your quoted rates deviate from this average.
  5. Boise homeowners insurance is designed to protect you from the financial damages associated with a number of risks you face as a property owner in this city. This includes property crimes, liability lawsuits, severe weather damage, and residential fires. It's important that you ensure that all of your most valuable property is fully insured. Sometimes this requires the purchase of special endorsements.


  1. $46
  2. Nampa, ID Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Nampa: $46 
  4. Of course, rates can vary significantly from one homeowner to the next because they are calculated for each person according to a number of factors. These include the age, size, and value of your house. When you compare quotes from multiple carriers, you can be sure that you are getting the best price for your coverage.
  5. Your Nampa home insurance can shield you from financial losses caused by a variety of risks you may face as a homeowner. These can include liability lawsuits, damage caused by severe weather, burglaries, and fires, whether caused by an accident in your home or a wildfire. Fires can be particularly devastating. You may find some comfort in knowing that your insurance company can provide you with the funds you need to rebuild, replace, and move on.


  1. $69
  2. Meridian, ID Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Meridian: $69 
  4. Your actual cost could be less or more than this. Why? Because your rates depend on factors like the size of your house, the building materials used in its construction, the crime rate in your ZIP code, and your claims and credit history. Comparing quotes enables you to be sure that the policy you choose is competitively priced.
  5. As a home owner, there are a number of ways that you might find yourself facing exorbitant costs. A bad storm can damage your roof, a burglary can result in the loss of your family heirlooms, or a neighbor can trip on a step you’d meant to repair and break a bone. With the right homeowners insurance, you can be shielded from large financial losses.


  1. $46
  2. Idaho Falls, ID Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Idaho Falls: $46 
  4. You should consider this amount as only a baseline, since your actual rates will be specific to you. Details such as the age, size, and construction of your home and your credit and claims history can play a significant role in how your rates are calculated. Because each insurance company uses its own methods to assess risk and determine rates, comparison shopping can really pay off.
  5. You have invested a lot in your home. It is important that you protect that investment with an all-encompassing Idaho Falls homeowners insurance policy. This insurance is designed to cover you against most of the risks you are likely to face as an Idaho Falls homeowner. It is important to note that hazards such as floods and earthquakes are not covered by home insurance. For that, you will need a supplemental flood insurance or earthquake insurance policy.


  1. $45
  2. Pocatello, ID Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Pocatello: $45 
  4. Your actual rate will be calculated according to a number of factors, including details about your property, the crime rate in your ZIP code, and the amount of coverage you are purchasing. It should therefore not be surprising if your quoted rate deviates from this average.
  5. Pocatello homeowners insurance is designed to protect you from a number of possible financial risks you face as a property owner in this city. This includes the costs associated with things like property crimes, liability lawsuits, severe weather damage, and residential fires. It is important to make sure that your belongings are fully covered. If you own any particularly valuable items, covering them property may require you to purchase special riders or endorsements. 


  1. $42
  2. Caldwell, ID Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Caldwell: $42 
  4. Your specific home insurance rate will depend 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 is beneficial to obtain and compare quotes from multiple carriers.
  5. Residents of Idaho do not experience severe weather as frequently as do many other people across the country. However, if a severe storm or other hazard causes damage to your home, it pays to have a reliable insurance policy backing you up. In addition to severe weather damage, your Caldwell homeowners insurance can cover you against liability lawsuits, burglaries, and residential fires.


  1. $66
  2. Coeur d'Alene, ID Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Coeur d’Alene: $66
  4. Remember that this rate is just an average. Your actual home insurance cost could be less or more, since it depends on a variety of factors like your home's size, location and building materials. Insurance should be a personalized protection plan that covers your property against a full spectrum of risks.
  5. Coeur d'Alene homeowners insurance is designed to meet the specific needs of homeowners in this city. It can cover against a wide variety of risk such as burglaries, severe weather damage, liability lawsuits, and residential fires. Whether a fire in your home was caused by an accident, such as leaving a stove on, or an outside force, like a wildfire, the damage can be severe. Knowing that your home insurance can cover the cost to replace your belongings and enable you to repair or rebuild your home can prove comforting.


  1. $51
  2. Twin Falls, ID Monthly average home insurance cost
  3. The average monthly cost of homeowners insurance in Twin Falls: $51 
  4. Rates can vary significantly from one person to the next, however, since several factors are used to determine them. Did you know that the crime rate in your ZIP code, a trampoline on your property, and the last time you got your roof replaced are all factors that can impact how much your homeowners insurance costs?  Each insurance company assesses risk and determines rates in a different way, so it is advantageous to compare rates from multiple companies before making a purchase.
  5. Your home is one of the biggest investments you will ever make. It is important that you protect that investment with a comprehensive and reliable Twin Falls home insurance policy. Your insurance is designed to cover a wide variety of risks such as burglaries, severe weather, accidental fires, and liability lawsuits.


  1. $66
  2. Lewiston, ID Home Insurance
  3. The average monthly cost of homeowners insurance in Lewiston: $66 
  4. Bear in mind, however, that rates can vary significantly from one homeowner to the next. This is because they are calculated for each person according to a number of factors, including the age, size, and value of your house and your credit and claims history. When you compare quotes from multiple carriers, you can be certain that you are getting your coverage at a competitive rate.
  5. Your Lewiston home insurance can shield you from financial losses caused by a number of risks you may face as a homeowner. These can include liability lawsuits, damage caused by severe weather, residential fires, and burglaries. The burglary rate in Lewiston is quite high, so it is important that you safeguard your property. If your home is burglarized, be sure to call the authorities and get a police report. You will need that and a detailed list of your lost and damaged items when you file your claim.


  1. $64
  2. Post Falls, ID Home Insurance
  3. The average monthly cost of homeowners insurance in Post Falls: $64 
  4. Your particular home insurance cost could be less or more, depending on factors like the size of your house, your credit score, your house's building materials, the crime rate in your ZIP code, and the amount of coverage you wish to buy. Comparing quotes lets you be sure you are getting your policy at the right price.
  5. Your Post Falls homeowners insurance is designed to protect your investment in your home by covering the costs associated with a variety of risks you may face. If you are sued for negligence after a guest is severely injured in your home, or if you come home to find that your house has been burglarized, you can rest assured that your home insurance carrier has your back.