Idaho Homeowners Insurance

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

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How to get affordable insurance for your home in Idaho

Home insurance is an optional but important insurance coverage. It keeps your investment insured in the event your house suffers damage from a common incident. A homeowners insurance policy defends your dwelling, personal property, and other buildings against a number of circumstances, including fire, theft, vandalism, or wind damage.

Unlike car insurance, home insurance is not controlled by state legislation. That said, major discrepancies exist in home insurance costs from state to state. Homeowners insurance rates in states differ depending on the number and cost homeowners policy claims made across the state, and depend on the value of the belongings and dwelling you're insuring.

The best way to get a cheap homeowners insurance policy in Idaho is to get quotes from as many companies as possible. Find out how much home insurance costs in Idaho via the below data. Your rates may vary, depending on your coverage limits.

 

Home insurance in Idaho:
  1. Homeowners rates by company
  2. Homeowners rates by city
  3. Home-and-auto bundling discounts
  4. FAQs

 

Homeowners insurance rates in Idaho by insurer

Rates for home insurance in Idaho will vary depending on which insurer you select. Safeco provides the most affordable home insurance in Idaho, at just $437 each year. This compares favorably to the state average price of $982, offering a $545 discount on average statewide home insurance costs.

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

 

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

 

Idaho homeowners insurance by city

Home insurance rates in Idaho vary by city. Home insurance prices can vary based on city-specific variables, including the number of homeowners claims filed nearby, meaning your ZIP code could have a major impact on how much you pay.

The cheapest homeowners insurance in Idaho is available in Meridian. A typical homeowners insurance term in Meridian totals just $852 each year — $130 less than the state average. Reference the below table to see the cheapest cities in Idaho for home insurance.

 

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

 

Home and auto insurance bundles in Idaho

If you want to save on insurance, consider purchasing both your homeowners and auto insurance policies from one company. A home and auto insurance bundle in Idaho can lead to substantial savings on car insurance. Bundling home and auto policies in Idaho may earn you yearly savings of $98.

 

HOME AND AUTO INSURANCE BUNDLING DISCOUNTS IN IDAHO
Avg. Annual Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$993$895$9811%

 

Seeking information on homeowners insurance in a specific city?

 

Idaho homeowners insurance FAQs

Does GEICO offer home insurance in Idaho?

At this time, GEICO does offer home insurance in Idaho.

Is home insurance required by law in Idaho?

No, homeowners coverage is only required by your mortgage provider in Idaho.

 

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.

Those who live in areas known for earthquakes often have higher homeowners insurance premiums, especially in the highest-risk areas. Earthquake coverage is not available from most standard insurers, but there are some coverage choices for those who live in states where earthquakes are a real threat. Insurance companies in Idaho sometimes offer earthquake endorsements that protect against damage from seismic events. Keep in mind that earthquake deductibles are usually higher than deductibles for most standard perils. In Idaho, you can expect to pay an additional $161 per year for an earthquake insurance endorsement.

Listed below are a few of the best options for earthquake coverage in Idaho. It's important to treat these figures as estimates only, as rates will vary based on your specific property.

 

CHEAP HOMEOWNERS EARTHQUAKE COVERAGE IN IDAHO
CompanyAverage Annual Earthquake Insurance Rate
Liberty Mutual$377
Farm Bureau$520
Oregon Mutual$605
Mutual of Enumclaw$690
Metropolitan$748

 

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