Idaho Renters Insurance

Find Peace of Mind in Idaho with Renters Insurance

Find the right renters insurance policy for you.


Whether you rent an apartment in Boise or a townhome in Soda Springs, you want to protect yourself, your Idaho rental unit, and all you keep inside from the expense of weather damage and lawsuits. Only a comprehensive renters insurance plan will give you that peace of mind. Before you search for renters insurance quotes, however, there are several things to keep in mind.

How Idaho Does Renting

  • The average Idaho renter pays $702 a month to the landlord, while the US average is $884, making Idaho one of the most affordable places to rent.
  • While the rest of the country spends more than 20 percent of their income on rent, Idaho residents spent just 18 percent.
  • More than 31 percent of Idaho residents rent their home or apartment.
  • Renters have an average of $25,000 worth of belongings in their apartments, condos or homes.

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Why Is Renters Insurance Important?

While your landlord most likely carries an insurance policy on the building in which you live, their coverage only pertains to the structure itself and not the property you keep inside. Should your apartment, condo or townhome be struck by severe weather, fire or vandalism, you are responsible for covering any damage to your belongings. Without a comprehensive renters insurance policy, the cost to repair or replace your belongings could wipe you out.

Another benefit of renters insurance is the protection it offers should a guest or delivery person sue you. For example, if a guest of yours slips in your kitchen or your beloved dog, Sparky, bites the guest in the ankle, that guest could take you to court for all you're worth. Renters liability insurance would pay for your legal fees in that event.

Are You Required To Carry Renters Insurance in Idaho?

Although not mandated by Idaho law, renters insurance is necessary if you are renting a home or apartment and you want to protect your valuable possessions from loss, theft or damage. Renters insurance also protects you in the event of liability claims. Your landlord can demand that you obtain renters insurance as part of your lease. This coverage protects you and the landlord by ensuring that no matter what happens on the property, either your renters insurance or the landlord’s insurance will provide coverage.

What Does Renters Insurance Cover?

Most Idaho insurance providers will give you several options to choose from when you build your renters insurance package. Those choices include the following:

  • Contents coverage: This coverage provides financial reimbursement to cover a tenant’s possessions lost or damaged as a result of fire, theft or vandalism. You will have a choice as to how much contents coverage you wish to buy. It's a good idea to sit down and take an inventory of all your personal possessions. Their total value will give you an idea of how much contents insurance you will need.
  • Liability coverage: This coverage provides protection in the event that a visitor suffers injuries while on the premises, or if you cause third party property damage. Whether the renters insurance or the landlord insurance pays for the costs associated with the injury will depend on the circumstances of the incident, the location on the premises where the injury occurs and who is at fault.

Renters insurance can also provide compensation for alternative living arrangements in the event that your rental unit or rented home becomes uninhabitable due to storm damage or an apartment fire.


Ready to Save on Renters Insurance?

Our independent agents shop around to find you the best coverage.

What Will Renters Insurance Quotes Look Like?

Renters insurance is the least-utilized insurance coverage available despite the fact that it is also one of the most affordable. Most ID insurance providers take several factors into account when they calculate your renters insurance quotes, including these:

  • How much coverage you choose: If you own many high-priced items, you will want more contents coverage, which will increase your quotes.
  • The type of coverage you choose: Adding liability coverage to your renters insurance will increase your quotes.
  • The amount of your deductible: A higher deductible will yield lower quotes, so be sure the deductible you choose is one you can comfortably afford.
  • The location of your rented home or apartment: Rental units in high-crime areas in Idaho will receive higher renters insurance quotes that those in quiet, safe neighborhoods, due to the added risk of property crime. 

Most renters will find quotes for an insurance policy at just a few hundred dollars a year.

How To Find Renters Insurance

You could spend hours if not days searching for renters insurance quotes for your Idaho home. Or, you could let the knowledgeable independent insurance agents in our network do that work for you.

Contact an agent near you to find out how you can protect yourself and your rental unit with renters insurance.

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