5 Best Boise Homeowners Insurance Companies (2025)
American Family and Travelers are among the best homeowners insurance companies in Boise, Idaho.
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Written byElizabeth Rivelli
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Elizabeth Rivelli
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
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7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Table of contents
The average cost of homeowners insurance in Boise, Idaho, is $1,608 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. A standard home insurance policy covers many of the most common risks that Boise homeowners could face, including wildfires and windstorms. But if you want coverage for floods and earthquakes, you’ll likely need to purchase other policies.
Here’s what you need to know to get the best home insurance policy for you in Boise.
Quick Facts
Foremost is Insurify’s pick as the best home insurance company in Boise for new homes.
Boise homeowners pay less for home insurance than the average Idaho resident.
Average home insurance rates in Idaho are higher than those in every state that borders it.
Best home insurance companies in Boise
Many reputable home insurance companies insure properties in Boise. The best home insurance company for you will depend on your situation and coverage needs. As you begin your search, here are some of the top insurers in Boise based on coverage options, discounts, price, customer service, and other important factors.
Mutual of Enumclaw: Best for wildfire coverage
Mutual of Enumclaw’s Wildfire Program provides free fire-mitigation services for homeowners through its partnership with Wildfire Defense Systems. WDS can provide services that local fire departments typically don’t offer, including the use of special tools to protect your property during an active wildfire, like fire-blocking gel.
Pros
Specialized wildfire-mitigation services
Fewer complaints than expected from the National Association of Insurance Commissioners (NAIC)
Cheaper-than-average home insurance premiums
Cons
Must work with agent to get quote
Must bundle home and auto to get best coverage perks
Mobile app doesn’t have great reviews
Travelers: Best for sustainable homes
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $120/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $196/mo |
Travelers offers a green home coverage endorsement, which provides additional protection for sustainable homes. If a covered peril damages or destroys your house, this endorsement can provide extra coverage to repair, replace, or rebuild it with sustainable materials.
Travelers customers can also earn a 5% discount for insuring a green home that’s certified by the Leadership Energy and Environmental Design (LEED) program.
Pros
Home insurance endorsement and discount for green homes
Good selection of add-ons, like replacement cost coverage for house and contents
Home insurance premiums are cheaper than citywide average
Cons
Fewer discounts than some competitors
Below-average J.D. Power customer satisfaction rating
Receives slightly more complaints than expected from the NAIC
Foremost: Best for new homes
new homes
Foremost
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 5.2/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $144/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $249/mo |
If you live in a newer home in Boise, Foremost can be a good insurance company to consider.
You can add extended replacement cost coverage or guaranteed rebuild coverage to your policy, which will provide more coverage to repair or rebuild your new home after a covered loss. You can also add Coverage A Plus coverage, which will pay the full cost of rebuilding your home after a total loss, and you’ll only pay the deductible.
Pros
Endorsements provide extra dwelling coverage for new homes
New homes can qualify for a discount
Offers policies for older homes, high-value homes, seasonal homes, and others
Cons
Poor J.D. Power customer satisfaction rating
Takes days to issue online quotes
Very high number of complaints from the NAIC
American Family: Best for flood coverage
flood coverage
American Family
Compare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $82/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $131/mo |
American Family customers can add inland flood insurance to their home insurance policy, which provides coverage for flash flooding. The endorsement can pay to replace your dwelling, personal possessions, and other structures on your property that are damaged or destroyed by flash floods. It also provides debris removal and additional living expenses coverage and will cover items you move to an off-site storage unit for up to 30 days.
Pros
Offers inland marine insurance endorsement
Above-average J.D. Power customer satisfaction rating
Few home insurance complaints from the NAIC
Cons
App has low Google Play rating
No discounts for home safety features like smoke alarms
Only two agencies in Boise
Nationwide: Best for customizable coverage
NationwideCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A+ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $154/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $245/mo |
Nationwide offers a variety of add-on home insurance coverages, which is ideal if you want to customize a policy based on your home and unique needs.
The insurer provides earthquake coverage, flood coverage, water backup coverage, roof replacement coverage, service line coverage, equipment breakdown coverage, identity theft protection, and several other endorsements.
Pros
Many available home insurance endorsements
Low premiums compared to citywide average
Offers nine home insurance discounts for potential savings
Cons
More complaints than expected from the NAIC
Below-average J.D. Power customer satisfaction rating
No discount for new homes
Our editorial team analyzed regional and national home insurance companies that sell policies in Boise to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Boise?
The average cost of home insurance in Boise is $1,608 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Your actual home insurance costs will depend on a variety of factors, including:
Size and age of your home
Proximity to a fire station
Coverage limits
Coverage types and endorsements
Deductibles
Boise homeowners pay slightly less for home insurance than the average Idaho resident. The statewide average homeowners insurance premium in Idaho is $1,668 per year.
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Cheapest home insurance companies in Boise
Home insurance rates vary based on how different insurers rate your unique circumstances. In the table below, you can see some of the cheapest home insurance companies in Boise and their average annual premiums for several different dwelling coverage amounts.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| American Family | $624 |
| Oregon Mutual | $636 |
| Mutual Of Enumclaw | $792 |
| American National | $924 |
| Travelers | $936 |
| Grange | $948 |
| State Farm | $1,056 |
| Farmers | $1,176 |
| Nationwide | $1,224 |
| Allstate | $1,260 |
| USAA | $1,332 |
| Foremost | $1,392 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| American Family | $1,356 |
| Mutual Of Enumclaw | $1,464 |
| Oregon Mutual | $1,476 |
| State Farm | $1,812 |
| American National | $1,848 |
| Grange | $2,136 |
| Travelers | $2,244 |
| USAA | $2,364 |
| Allstate | $2,508 |
| Nationwide | $2,736 |
| Farmers | $3,096 |
| Foremost | $3,360 |
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Mutual Of Enumclaw | $1,968 |
| American Family | $2,016 |
| Oregon Mutual | $2,328 |
| State Farm | $2,376 |
| American National | $2,772 |
| USAA | $3,072 |
| Allstate | $3,168 |
| Grange | $3,240 |
| Travelers | $3,312 |
| Nationwide | $4,032 |
| Farmers | $4,728 |
| Foremost | $5,208 |
How much homeowners insurance do you need in Boise?
The amount of homeowners insurance you need in Boise depends on your individual situation. As you analyze your needs, keep the following coverage types in mind:[1]
Dwelling coverage
Choose a dwelling insurance policy limit that’d cover the cost of rebuilding your home after a total loss. To calculate this figure, multiply the square footage of your home by the local building cost per square foot. If your house has unique fixtures or high-end materials, you may need to set a higher coverage limit.
Personal property coverage
Your personal property insurance limit should match the total value of the personal items you own, like clothing, furniture, appliances, and decor. You can find the value of your possessions by creating a home inventory with a list of your belongings and their estimated cost.
Liability coverage
Most home insurance policies automatically include at least $100,000 in liability insurance. But if your personal assets exceed that amount, you should raise your policy limit. Ideally, your liability insurance policy limit should cover your total financial assets that could be at risk if someone sues you. If you need more than $300,000 in liability insurance, you might also consider adding an umbrella policy.
Additional living expenses coverage
Home insurance policies usually allocate around 20% of your dwelling coverage limit for additional living expenses, but that might not be enough. You should select a policy limit that would pay the difference between your current living expenses and temporary living expenses if you have to move out after a covered loss while your house undergoes repairs.
What to know about home insurance in Boise
Homeowners in Boise face unique risks, including natural disasters that could damage or destroy property. Here are some things to know about home insurance in Boise and how they might affect your home insurance coverage needs:
High property values: Boise has very high property values, which often raise the cost of home insurance. In September 2025, the typical home value in Boise was $490,432.[2] To compare, the average home value in the U.S. is $363,932.
Flooding: The Boise River is prone to flooding, which could potentially affect homes in the area. Standard home insurance policies don’t cover flooding. If you want to insure your home against floods, you can purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer.
Earthquakes: Idaho has several active fault lines that could produce an earthquake with a magnitude of 7.0 or higher, according to experts. Because home insurance doesn’t cover earthquakes, many Boise homeowners can benefit from getting earthquake insurance. You can purchase earthquake insurance as a separate policy or get it as an endorsement on your homeowners policy.
Wildfires: Wildfires are a major threat to homes in Boise. In 2024, more than 100,000 acres burned in southwest Idaho.[3] Home insurance covers wildfire damage, but it’s important to choose a dwelling and personal property policy limit that would cover the cost of rebuilding your home and replacing all your possessions after a fire.
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Average cost of home insurance in other cities in Idaho
Home insurance premiums differ based on several factors, including the city and even different ZIP codes within a city.
For example, you might pay more for home insurance in an urban area like Boise than in a less populated city like Kuna. Premiums can also depend on the weather risks, availability of fire services, and the number of property theft claims in a specific city or neighborhood.
The table below shows the average cost of home insurance in different Idaho cities.
The below rates are estimated rates current as of: Tuesday, October 7 at 12:00 PM PDT.
City | Average Annual Premium |
|---|---|
| Boise City | $1,608 |
Boise homeowners insurance FAQs
If you own a home in Boise, having homeowners insurance is valuable. It might even be a requirement if you have a mortgage. Here’s some additional information that can be helpful as you shop for home insurance.
The average home insurance premium in Boise is $1,608 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. If you add supplemental policies, like flood insurance or earthquake insurance, it’ll raise your overall insurance costs.
American Family is the cheapest homeowners insurance company in Boise, based on Insurify’s rate data. The average home insurance premium from American Family is around $71 per month.
Some of the top home insurance companies in Boise are American Family, Travelers, and Mutual of Enumclaw. But the best home insurance company for you will depend on factors like your coverage needs, claims history, and budget.
The 80% rule in home insurance states that you should insure your dwelling for at least 80% of its replacement cost. If your home is insured for less than 80%, your insurance company may not cover the full cost of a claim.
Yes. The age of your home can affect your home insurance premium. In general, older homes are often more expensive to insure than newer homes.
The average cost of home insurance in Idaho for a home with $400,000 in dwelling insurance is $185 per month. But premiums can vary based on factors like the size of your home, the coverage types you select, and your insurance company.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
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Sources
- Insurance Information Institute. "How much homeowners insurance do I need?."
- Zillow. "Boise, ID Housing Market."
- Idaho Fish and Game. "It has been a tough year for wildfires in Southwest Idaho: Here’s how you can help."
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Elizabeth Rivelli
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
Elizabeth has been a contributor at Insurify since October 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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