Finding a homeowners insurance policy doesn’t need to be confusing. Compare rates by city and insurance company below.
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.
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.
| Company | Average 12-Month Rate in Idaho |
| Safeco | $437.27 |
| Farm Bureau | $494.54 |
| Oregon Mutual | $666.77 |
| American Family | $824.14 |
| Enumclaw | $914.01 |
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.
| City | Average Annual Home Insurance Rate |
| Meridian | $851.80 |
| Boise | $856.85 |
| Eagle | $870.59 |
| Kuna | $871.78 |
| Post Falls | $903.53 |
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.
| Avg. Yearly Auto Insurance Rate (No Bundle) | Avg. 12-Month Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $993.00 | $895.00 | $98.00 | 11% |
Bundling home and auto policies is a great way to save. Get started today!