Idaho Homeowners Insurance Quotes (2024)

Stillwater and Travelers offer some of the best homeowners insurance policies in Idaho.

Amy Beardsley
Written byAmy Beardsley
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Amy BeardsleyInsurance Writer
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  • 7+ years in personal finance and technology

Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.

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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
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Andrew Huang
Data reviewed byAndrew Huang
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Andrew HuangVice President, Performance Marketing
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Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.

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Updated April 12, 2023

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Starting your search for home insurance in Idaho can be overwhelming. Fortunately, the average home insurance cost in the state is only $144 per month, which is great news for budget-conscious homeowners. Some of the best home insurance companies in the Gem State are Stillwater, Liberty Mutual, and Nationwide.

Idaho homeowners face unique risks. Wildfires and flooding are common natural disasters in the state. Although home insurance typically covers wildfires, it doesn’t cover flood damage. For additional protection, flood insurance can make all the difference. Here’s what you need to know about Idaho home insurance.

Best home insurance companies in Idaho

Homeowners in Idaho have several options for finding quality home insurance. The best home insurance company for you will depend on your unique situation and requirements, but here are the top companies Insurify data scientists uncovered.

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Best large insurer: Nationwide

Nationwide is a popular home insurance provider in Idaho, with an average monthly cost of $87. The company’s J.D. Power score of 816 out of 1,000 points is slightly below the industry average of 819.[1] But its coverage options, discounts, and industry reputation make Nationwide a viable company to consider when shopping for home insurance.

Pros
  • Well-established provider with more than 90 years of experience in the insurance industry

  • A+ (Superior) A.M. Best rating and A+ Better Business Bureau (BBB) rating

  • 24/7 claims reporting available by phone, online, or mobile app

Cons
  • Below-average J.D. Power score for customer satisfaction

  • Some customers report dissatisfaction with the claim process

  • Higher premiums compared to some competitors

Best insurer for cheap rates: Stillwater

Founded in 2000, Stillwater home insurance offers affordable rates and customizable coverage options to Idahoan homeowners. With an average monthly rate of just $51, it’s the cheapest option among all the homeowners insurance companies Insurify reviewed in Idaho.

Pros
  • Lowest rates compared to other Idaho home insurers

  • A- (Excellent) A.M. Best rating and A+ BBB rating

  • Easily customizable policy with additional coverage options

Cons
  • Some customers report canceled policies

  • Fewer than 30 years of experience in the insurance industry

  • Not included in J.D. Power’s 2022 customer satisfaction survey

Best for wildfire coverage: Liberty Mutual

On average, Idaho homeowners pay $81 a month for Liberty Mutual home insurance. Policies include a wildfire response program that offers free enrollment and no expiration date. Although the company’s J.D. Power score of 805 out of 1,000 is below the industry average, its commitment to protecting against wildfires in Idaho makes it a solid choice for peace of mind.

Pros
  • A (Excellent) A.M. Best rating and A+ BBB rating

  • Offers optional flood insurance through the National Flood Insurance Program (NFIP)

  • Many discounts available to reduce premiums

Cons
  • Some customers complain about the claim process

  • Below-average J.D. Power score for customer satisfaction

  • Only two offices exist in the state

Best insurer for high-value homes: AIG

The AIG Private Client Group tailors high-value house insurance coverage to the unique needs of high-net-worth homeowners, including nearly 40% of the Forbes 400 Richest Americans. In addition to delivering comprehensive coverage and a broad range of coverage options, AIG’s custom solutions help preserve each client’s personal liability and property protection.

Pros
  • Trusted by some of the wealthiest people in the U.S.

  • Higher coverage limits and concierge-level claim service for policyholders

  • A (Excellent) A.M. Best rating

Cons
  • Higher policy premiums for high-value homes

  • Quotes aren’t available online, and you must first complete an insurance assessment

  • Can’t file a claim online

Best regional insurance company: Mutual of Enumclaw

Mutual of Enumclaw is a home insurance company that serves Arizona, Idaho, Montana, Oregon, Utah, Washington, and Wyoming. It covers houses, condos, townhouses, mobile homes, secondary homes, and vacation homes. As a regional insurer, it can offer a more hands-on approach to customer service, since the agents are familiar with the local community.

Pros
  • 24/7 claims reporting available by phone, online, or mobile app

  • More than 120 years of experience in the insurance industry

  • A- (Excellent) A.M. Best rating and A- BBB rating

Cons
  • Online quotes aren’t available

  • Smaller company can mean fewer resources

  • Reports of poor user experience with the mobile app

Methodology

Insurify’s team of data scientists analyze millions of home insurance quotes and weigh publicly available reviews, claims payout rates, complaint indexes, financial strength scores, company reputations, and proprietary quoting data. Our editorial team applies this insight to inform our unbiased reviews and recommendations.

Learn More: Types of Homeowners Insurance: Which One Do You Need?

How much is homeowners insurance in Idaho?

“Before owning a home in Idaho, it’s helpful to know the specific factors that affect the state’s average home insurance rate,” says Matt Roberts, home insurance expert and co-founder of My Choice Financial.

A high risk of natural disasters, such as wildfires and floods, can significantly affect your house insurance rates. But the type of policy you choose and the value of your personal belongings can also play a role in your premium costs.

How your policy choices affect home insurance rates in Idaho

Several factors can influence how policy choices affect home insurance rates in Idaho.

Your policy form

Home insurance comes in several forms. The most common is HO-3, according to the National Association of Insurance Commissioners (NAIC).[2] Other forms include HO-1, HO-2, and HO-5. The difference is the perils each form covers. A peril is something that causes damage or loss to your property, like natural disasters, theft, or fire.

Some forms provide comprehensive coverage, while others only cover specific perils. This coverage variation will influence the price of your home insurance policy: The more hazards a policy covers, the more it’ll cost. Be sure that your policy covers the perils you expect before purchasing to ensure you have enough protection.

Your coverage level

Coverage levels in home insurance are the maximum amount an insurance company will pay for a covered claim. Higher levels mean the insurer is taking on more risk, which leads to higher premiums. Here’s an example of how your premium costs can differ based on the coverage amounts you choose.

Dwelling Coverage AmountAverage Annual Premium
$250,000$1,225
$500,000$2,168

Your deductible

Home insurance policies often require you to pay a deductible before they kick in and cover the remaining claim costs. For example, if you have a $1,000 deductible and file a claim for $5,000 in damages, you’ll need to pay the first $1,000 and your insurance company will cover the remaining $4,000.

With a low deductible, you’ll pay less out of pocket if you need to file a claim, but you’ll also pay higher premiums. A higher deductible often means lower premiums, but it has a downside: You pay more up front before your insurance coverage kicks in.

How location affects home insurance rates in Idaho

The price of home insurance can vary depending on the area, including varying rates between states and even ZIP codes. Natural disasters such as wildfires, flooding, and hurricanes, as well as higher crime rates, proximity to a fire station, building codes, and demographics, can influence home insurance rates.

“Some of the most common causes of loss in Idaho involve natural disasters, such as flooding and storms,” Roberts says. “The state is also at extreme risk of wildfires, and the northern area of Idaho is susceptible to severe winter storms that can lead to snow or hail damage to your home. The melting snow can also lead to flooding.”

Here’s a look at the average monthly quote for home insurance in a few different cities in Idaho.

CityAverage Monthly Quote
Boise$118
Idaho Falls$153
Meridian$96
Nampa$100
Table data sourced from real-time quotes from Insurify’s partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique profile.

What are the cheapest home insurance companies in Idaho?

When it comes to finding the most wallet-friendly home insurance rates, the three companies with the most affordable quotes are Stillwater, with an average monthly quote of $51, followed by Liberty Mutual, at $81, and Travelers, at $86. Compared to the statewide average cost of $144, these providers offer rates that are a breath of fresh air.

Keep in mind that your specific coverage needs could make your quote a bit pricier, so be sure to compare multiple providers to find the best value for your money.

Insurance CompanyAverage Monthly Quote
Stillwater$51
Liberty Mutual$81
Travelers$86
Nationwide$87
Midvale Home & Auto$136
Safeco$370
Table data sourced from real-time quotes from Insurify’s partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer’s unique profile.

How much homeowners insurance do you need in Idaho?

If you take out a mortgage on your home, your mortgage lender will often require you to purchase a home insurance policy to protect its investment. Knowing what your policy covers before signing on the dotted line will ensure you’re not left out when it comes to protecting your home.

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What home insurance coverages should you buy in Idaho?

Here’s a closer look at the standard home insurance coverages available in the Gem State to keep you and your belongings safe:[3]

  • illustration card https://a.storyblok.com/f/162273/100x100/c922a01b77/house.svg

    Dwelling coverage

    This part of your policy covers the structure of your home, including its foundation, walls, and roof. It also covers attached structures like garages or decks and typically has coverage limits that depend on the cost of rebuilding your home.

  • car in carage

    Other structures

    This covers damage to structures on your property that aren’t attached to your primary dwelling, such as a shed or fence. It’s typically 10% of your dwelling coverage but can be more or less depending on your needs.

  • illustration card https://a.storyblok.com/f/162273/100x100/32ed42213e/personal-property.svg

    Personal property coverage

    This covers the contents of your home, including furniture, appliances, and clothing. The cost of personal property coverage varies based on your specific coverage needs.

  • illustration card https://a.storyblok.com/f/162273/100x100/c61ab9bfc2/loss-of-use-2.svg

    Loss of use

    This portion of the policy covers additional living expenses if your home becomes uninhabitable due to a covered loss. It can include the cost of temporary lodging, meals, and other necessary expenses until your home is repaired or rebuilt.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Liability coverage

    This protects you if someone gets injured while on your property and sues you for damages. It also covers damage you may cause to others’ property.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    This covers medical expenses for anyone injured on your property, including injuries caused by your pet, regardless of who was at fault.

Check Out: Home Insurance and Loss of Use Coverage: What You Need to Know

What optional home insurance coverages should you buy in Idaho?

Despite your best intentions, some homeowners insurance policies exclude essential risks. Most standard policies don’t cover the following:

  • Sewer backups: You can protect against damage caused by sewer backups by adding a separate endorsement or purchasing additional coverage.

  • Termite damage: Home insurance doesn’t cover damage from pests like termites. If you’re concerned, look into pest control insurance or take preventative measures to avoid termite damage.[4]

  • Full construction and building costs: Some policies factor in depreciation when paying out a claim. Guaranteed replacement cost coverage pays the total cost of repairing or replacing your home after damage or destruction, without depreciation taken into account.

  • Floods: Standard home insurance policies don’t cover damage from flooding. If you’re in a flood-prone area, you may need to purchase separate flood insurance policies to ensure you’re adequately protected. Many insurance companies offer coverage, and you can also buy a policy from the National Flood Insurance Program (NFIP).

  • Earthquakes: While earthquakes aren’t common in Idaho, it’s important to note that most home insurance policies don’t cover earthquake-related damage. Consider purchasing additional coverage if you live in an earthquake-prone area.

  • Business use of your home: If you run a business out of your home, consider adding an endorsement for business use or buying separate business insurance coverage. It can cover damage or losses that may occur, such as injuries sustained by visitors on your property.

How much home insurance coverage should you have in Idaho?

Choosing the right amount of home insurance coverage in Idaho is like packing for a trip. Just like you need the right clothes and items for your journey, you also need the right insurance coverage for your home. Like packing extra sunscreen for a sunny beach trip, you may want to consider additional coverages — such as flood or earthquake insurance — for areas with higher risk.

Like packing unnecessary items that consume luggage space, you wouldn’t want to overpay for coverage you don’t need. To ensure you have the right coverage, it’s a good idea to get quotes from at least three different insurance companies.

What are some of the biggest risks when owning a home in Idaho?

If you’re an Idaho homeowner, these are some risks you might face:

  • Wildfires: Wildfires are a common peril in Idaho due to campfires, arson, fireworks, and smoking.[5] If you live in an area at high risk of wildfires, you should review the coverage limits of your standard home insurance policy and consider supplemental coverage.

  • Flooding: Flooding is a risk in many parts of Idaho, but a standard home insurance policy doesn’t cover flood damage. It requires separate flood insurance coverage, like a policy from the NFIP.

  • Earthquakes: Earthquakes are another potential risk for homeowners in Idaho. While a standard home insurance policy doesn’t cover earthquake damage, you can purchase supplemental earthquake insurance coverage from private insurers.[6]

How can you save money on homeowners insurance in Idaho?

As a homeowner in Idaho, you want to protect your investment with a comprehensive home insurance policy, but you also want to find ways to save on your premiums. It’s possible to reduce home insurance costs without sacrificing coverage, thanks to a number of strategies.

Bundle home and auto insurance

Insurance companies often offer multi-policy discounts to incentivize customers to consolidate their policies. You can save significantly on your home and auto insurance policies when you bundle them.

Increase your deductible

The higher your deductible, the lower your monthly premiums, since you take on more financial responsibility. However, choose a deductible you can comfortably pay out of pocket in the event you need to file a claim.

Improve home security

Installing smoke detectors, security cameras, and deadbolt locks can reduce the risk of a claim and lower your insurance premiums. Since home security measures help reduce the likelihood of a loss, insurance companies often offer discounts.

Comparison shop

You can find the best rates for your coverage needs by comparing quotes from different insurance providers. Besides comparing prices, it’s essential to look at coverage and customer service levels before picking a policy.

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Average home replacement cost in Idaho

Replacement cost isn’t the same as your home’s market value. While replacement cost is how much it would cost to reconstruct your house using the same type of building materials, market value is the price your home would sell for on the open market.

You’ll want to consider the replacement cost of your house before settling on home insurance coverage. It’s the amount your insurance company pays to rebuild your home if it’s destroyed, and you don’t want to come up short. You may have to pay the difference out of pocket without enough coverage.

Here are a few average rebuild costs for homes in different cities throughout Idaho.

CityAverage Home Value
Boise$340,081
Idaho Falls$258,605
Meridian$311,668
Nampa$277,156

Idaho home insurance FAQs

Home insurance in Idaho has many variables to consider. Here are answers to some frequently asked questions to help you better understand your policy.

  • How much is home insurance a month in Idaho?

    The average monthly cost of home insurance in Idaho is $144. However, it’s important to make sure you have enough coverage to rebuild your home in the event of a disaster. Secondary coverages, like flood insurance, can affect the total cost of home insurance.

  • Is homeowners insurance expensive in Idaho?

    Homeowners insurance in Idaho is relatively inexpensive. The average rate in Idaho is $144, which is cheaper than the national average of $227. Premiums are more affordable because the state is mostly rural areas and has a lower crime rate and fewer natural disasters.

  • What are the three main types of homeowners insurance?

    Homeowners insurance has three main levels of coverage. Actual cash value offers the least amount of protection. It pays the cost to replace your home or possessions minus depreciation. Replacement cost is better because it doesn’t deduct depreciation. Extended replacement cost has the most protection. It pays a certain percentage above the policy limit to rebuild your home.

  • Does Idaho require homeowners insurance?

    While not required by law in Idaho, your mortgage company may require homeowners insurance. However, home insurance is essential for any homeowner to have, even if it isn’t required. Your insurance policy can help pay for repairs or rebuilding after damage and help protect you financially if you’re found liable for injuring someone or damaging their property.

Sources

  1. J.D. Power. "2022 U.S. Home Insurance Study."
  2. National Association of Insurance Commissioners. "A Consumer's Guide to Home Insurance."
  3. National Association of Insurance Commissioners. "Homeowners Insurance."
  4. Insurance Information Institute. "Which disasters are covered by homeowners insurance?."
  5. Idaho Firewise. "Common Causes of Wildfires in Idaho."
  6. Idaho Office of Emergency Management. "A History of Idaho Disasters."
Amy Beardsley
Amy BeardsleyInsurance Writer

Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Andrew Huang
Data reviewed byAndrew HuangVice President, Performance Marketing
Headshot of Andrew Huang, Directory of Analytics at Insurify
Andrew HuangVice President, Performance Marketing
  • Chartered financial analyst

  • 12+ years in data analysis and marketing

Andrew applies his vast knowledge of analytics and insurance industry trends to help inform Insurify’s content and marketing efforts.

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