Best Homeowners Insurance Companies in Idaho (2026)

The average cost of home insurance in Idaho is $1,752 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, which is lower than the national annual average of $2,592. Even though rates in Idaho are low, the state faces significant threats from earthquakes, flooding, and wildfires, which can affect your coverage.

Many insurance companies offer a range of coverages, including wildfire defense services, flood insurance, and discounts for eligible safety features. Here’s what you should know about Idaho’s insurance requirements, insurers that stand out, and reasons why you should consider coverage beyond a standard homeowners insurance policy.

Best home insurance companies in Idaho

Many quality home insurance companies serve Idaho, but the best company for you is the one that aligns with your coverage needs, budget, and expectations for customer service. Here are some of the best home insurance companies in Idaho for new homeowners, owners of older homes, and residents concerned about the potential for wildfire damage.

Liberty Mutual: Best for new homeowner peace of mind

Westfield: Best for older homes

Amica: Best for customer satisfaction

American Family: Best for low rates

Chubb: Best for additional wildfire coverage

Cheapest home insurance in Idaho

The cheapest home insurance in Idaho is available through American Family, but homeowners throughout the state may find both cheaper rates with another insurer.

The homeowners insurance market is heavily saturated, and rates change regularly. The table below shows some of Idaho’s cheapest insurance companies.

The below rates in Idaho are estimated rates current as of: Wednesday, April 22 at 12:00 PM PDT. 

Data reviewed by Andrew Huang

Andrew HuangVP, Marketing & Analytics

• 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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Insurance Company	Average Annual Premium
American Family	$1,062
Travelers	$1,465
State Farm	$1,563
USAA	$1,709
Allstate	$1,832
Foremost	$1,844
Nationwide	$1,966
Farmers	$2,076

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How much does homeowners insurance cost in Idaho?

The average cost of home insurance in Idaho is $146 per month, or $1,752 per year, for a policy with $300,000 in dwelling coverage and a $1,000 deductible.

Insurers base premiums on a number of factors, including your ZIP code, credit and claim history, deductible level, and the home’s age, value, and construction type. Insurers also consider the likelihood of damage from natural disasters.

For example, wildfires, windstorms, and flooding are common occurrences in Idaho, but most standard home insurance policies only cover fire and windstorm damage. Flood insurance is a separate policy, which will increase your overall homeowners insurance costs.

Cheapest home insurance companies in Idaho by dwelling coverage

Dwelling coverage protects the structure of your home from standard losses, such as fire, wind, hail, burglary, and vandalism.^[1] It’s one component of a standard homeowners insurance policy.

In the table below, you can see the average annual premiums for several Idaho home insurance companies for different dwelling coverage amounts.

Idaho homeowners insurance cost by city

Regional cities like Spokane, Washington, and Salt Lake City, Utah, tend to be cheaper than Idaho homeowners’ insurance rates in Boise for reasons beyond the home’s attributes.

For instance, fire risks threaten both Spokane and Boise, but Spokane employs more firefighters within its city limits than Boise. Similarly, Boise’s population is slightly larger than Salt Lake City’s, which could be one reason Boise’s average cost of homeowners insurance is slightly higher.

The below rates in Idaho are estimated rates current as of: Wednesday, April 22 at 12:00 PM PDT. 

Data reviewed by Andrew Huang

Andrew HuangVP, Marketing & Analytics

• 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.

Featured in

City	Average Annual Premium
Boise City	$143

What homeowners should know about insurance in Idaho

Idaho’s annual average for natural disaster events causing more than $1 billion in damage has increased from 0.7 per year to 1.2 since 2020.^[2] Insurers often include coverage for specific perils when underwriting a standard homeowners insurance policy, but some of the most common climate threats to Idaho’s residential homes require separate policies.

Wildfires

Wildfires affect approximately 500,000 acres of land each year in Idaho.^[3] Most standard homeowners and renters insurance policies cover wildfire damage. If you have high-value possessions, you may want to increase your personal property coverage limits to ensure you have full protection during a wildfire event.

Earthquakes

Idaho has the fifth-highest earthquake risk of all U.S. states, according to the Federal Emergency Management Agency.^[4] A standard Idaho home insurance policy doesn’t include earthquake coverage, which you can either purchase as an add-on to your homeowners insurance or separately from another insurance company.

Earthquake insurance usually includes coverage for damage to your personal belongings, the structure of your home, and loss of use expenses if your home is uninhabitable.

Flooding

A major flooding event affects Idaho residents nearly every year, causing millions of dollars in damages.^[5] Like earthquake coverage, a standard homeowners policy doesn’t cover damage from environmental flooding. Ask your local agent if they offer flood insurance, or you can purchase a policy through the National Flood Insurance Program (NFIP).

How much homeowners insurance do you need in Idaho?

Idaho doesn’t legally require you to have home insurance. But your mortgage lender will require you to have a policy in order to secure a loan. Standard policies often have exclusions, like certain forms of water damage, which is why it’s important to fully understand what your home insurance policy covers.

Basic homeowners insurance includes coverage for your house, structures like a detached garage, personal property, additional living expenses for loss of use, personal liability, and medical payments. These policies may not cover high-value personal belongings, identity theft, or flooding, whether from natural disasters or water backup from drains or sewers.

Talk to your insurance agent about the type of coverage you need, as well as any policy limits, and make sure you inquire about specific exclusions so you know exactly how your coverage applies in various situations.

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How to contact the Idaho Department of Insurance

The Idaho Department of Insurance provides information, guidance, and support for policyholders in the Gem State. You can file insurance complaints, report insurance fraud, find licensed agents and companies, and learn about state-specific insurance laws.

The Idaho Department of Insurance’s website has contact information for specific services, including Consumer Affairs, the State Fire Marshal, and the Fraud Hotline. The department’s main office is open from 8 a.m. to 5 p.m. Mountain time Monday through Friday, except holidays.

Here are some other ways to contact the agency:

• Phone: 1 (208) 334-4250

• Mailing address: P.O. Box 83720, Boise, ID 83720-0043

Idaho homeowners insurance FAQs