Idaho Homeowners Insurance

Finding a homeowners insurance policy doesn’t need to be confusing. Compare rates by city and insurance company below.

Get cheap home insurance in Idaho


Homeowners insurance isn't required, but it is important. A home insurance policy keeps your personal items protected. Home insurance covers your home and your items in the event of a number of misfortunes, such as wind damage, fire, theft, vandalism, and more.

Gulfs exist in homeowners insurance rates from state to state. Home insurance policy rates by state diverge depending on the number and total value of homeowners policy claims filed in that particular state, and also on the value of the belongings and structures covered by the policy.

The best way to acquire a cheap home insurance policy in Idaho is to compare rates from as many insurance companies as possible. Find out average home insurance rates in Idaho via the below data. Remember: your home insurance rates will vary, depending on your coverage limits.


Idaho home insurance:
  1. Rates by company
  2. Costs by city
  3. Bundling discounts


Homeowners insurance rates in Idaho by company

Homeowners insurance rates in Idaho differ depending on the insurance company you choose. Safeco sells the cheapest home insurance policies in Idaho, at just $437 per year. This compares favorably to the state average cost of $982, providing a $545 discount on rates typical to the state.

Begin the hunt for a home insurance policy by checking out the cheapest Idaho carriers, listed below.


HOME INSURANCE RATES IN IDAHO: BY COMPANY
CompanyAverage 12-Month Rate in Idaho
Safeco$437.27
Farm Bureau$494.54
Oregon Mutual$666.77
American Family$824.14
Enumclaw$914.01


Idaho home insurance prices: by city

Home insurance rates in Idaho vary by city. Pricing depends on city-specific variables, including the number of claims filed in the immediate area, meaning your specific ZIP code impact how much you pay.

The best home insurance rates in Idaho are available in Meridian. In Meridian, the typical home insurance policy costs $852 annually — $130 less than the average policy in other Idaho cities. The below cities have the most affordable home insurance in Idaho.


AFFORDABLE HOMEOWNERS INSURANCE BY CITY IN IDAHO
CityAverage Annual Home Insurance Rate
Meridian$851.80
Boise$856.85
Eagle$870.59
Kuna$871.78
Post Falls$903.53


How to bundle home and auto insurance in Idaho

If you want to save, consider purchasing your homeowners and car insurance policies from the same company. Bundling auto and home insurance in Idaho can save you a substantial sum each month on auto insurance. Bundling home and auto policies in Idaho leads to a yearly savings of $98.


HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN IDAHO
Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$993.00$895.00$98.0011%


Bundling home and auto policies is a great way to save. Get started today!


Compare rates from top car insurance companies.

Location pin icon

 

Home insurance and earthquakes in Idaho

Idaho experiences roughly 15 earthquakes each year, which means that Idaho residents may want to look into getting an earthquake insurance policy.* However, such protection doesn’t come standard in home insurance policies. Earthquake coverage is obtained in the form of a scheduled endorsement to your homeowners policy, covering losses that result from land movement.

In addition to the initial earthquake, aftershocks are another serious concern. Aftershocks can be very dangerous and can wreak havoc for days following the initial earthquake. Luckily, you pay a single deductible for losses that results from the initial seismic event as well as all related aftershocks that occur inside a period of 72-hours.

*Source: United States Geological Survey (https://earthquake.usgs.gov/earthquakes/browse/)