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Renters insurance is a critical — and affordable — form of insurance. It keeps your things safe in the event your rental property suffers damage from a common incident. A renters insurance policy protects your belongings against fire, smoke damage, a wind storm, vandalism, theft, and an array of other calamities.
Unlike auto insurance, renters policies aren’t controlled by state legislation. That said, there are often variations in renters insurance pricing from state to state. Renters insurance rates in states diverge based on the frequency and value of renters claims filed in that particular state, and depend on the value of the belongings covered by the policy.Getting renters insurance in Idaho is less expensive than the national average. The average annual cost of renters insurance in Idaho is $134, $51 less expensive than the national average.
The best way to find a cheap renters insurance policy in Idaho is to compare rates from multiple insurance companies. Find out renters insurance costs in Idaho by referencing the below tables. Individual rates may vary depending on coverage options and the value of the items insured.
Renters insurance prices in Idaho will vary based on the insurance company you choose. Oregon Mutual underwrites the most affordable renters policies in Idaho — just $87 per year. This compares favorably to the state mean cost of $134, providing a 35% discount on the typical rates in the state.
Begin your search for cheap renters insurance by reviewing the most affordable Idaho carriers, listed below.
| Carrier | Average Annual Rate in Idaho |
| Oregon Mutual | $87.01 |
| MetLife | $100.35 |
| Safeco | $102.43 |
| American Family | $107.57 |
| Farm Bureau | $161.47 |
Renters insurance rates in Idaho vary depending on the city. Rates are determined based on on city-specific variables like the number of claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.
The cheapest renters insurance rates in Idaho are in Rexburg. The average renters insurance policy in Rexburg costs only $131 per year — $12 less than the statewide average. The below cities have the most affordable renters insurance in Idaho.
| City | Average Annual Renters Insurance Rate |
| Rexburg | $131 |
| Blackfoot | $131 |
| Moscow | $132 |
| Meridian | $132 |
| Coeur d'Alene | $132 |
If you want to save on insurance, consider purchasing your renters and car insurance policies from the same company. Bundling auto and renters insurance in Idaho can lead to substantial savings on auto insurance. In fact, bundling policies in Idaho results in yearly savings of $63.
| Avg. Yearly Auto Insurance Rate (No Bundle) | Avg. 12-Month Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,018.21 | $955.37 | $62.85 | 7% |
A great way to save is to bundle your auto and renters insurance policies. Get started today!
Looking for info on renters insurance for a specific city? Take a look at our list of the biggest cities in Idaho.
The state of Idaho does not require you carry renters insurance. However, your landlord may require you to carry it.
There is no state coverage requirement for renters insurance in Idaho. So, this will vary based on your needs and your company. Basic coverage includes personal property coverage, loss of use, medical payments to others, and liability coverage.