Idaho Homeowners Insurance

Find the Best Homeowners Insurance Rates & Companies in Idaho

The average cost of homeowners insurance in Idaho is $905 per year, or $75 per month, for a policy with $250,000 in dwelling coverage. Idaho's home insurance rates fall well below the average for most of the rest of the nation. Having enough home insurance is critical to ensure that you can get reimbursed for many types of disasters ranging from vandalism to fire damage and beyond.

Fortunately, an Idaho independent insurance agent can help you find the right home insurance. They'll get you set up with the best policy in no time. But until then, here's an overview of home insurance requirements and more in Idaho.

Best Homeowners Insurance Companies in Idaho

You can find home insurance sold by many different carriers in Idaho. But you want to skip ahead to the insurance companies that provide only the best coverage in terms of quality and cost. That's why we put together this list of a few of the best home insurance companies in Idaho for you to start out with.

• USAA: USAA's coverage is only available to active and retired military members and their families. The carrier provides highly affordable coverage for an average of just $745 per year. USAA also ranks high on J.D. Power's customer satisfaction survey and offers many discount options on coverage.
• Allstate: Though Allstate's premiums are a bit higher than some other carriers, they have numerous discount options that can help greatly reduce your rates. An average home insurance policy from Allstate is about $961 per year. The carrier also offers plenty of endorsement options to help you customize your coverage and a convenient mobile app to manage your policy from home.
• Travelers: Travelers also provides highly affordable home insurance in Idaho. Average policies cost only $757 per year from Travelers. The carrier offers many endorsement options, including green home endorsements, water backup endorsements, contents replacement cost endorsements, and personal articles floaters. Further, Travelers offers a ton of discounts to help bring down your policy costs.

An Idaho independent insurance agent can help you find the right home insurance policy from one of these top-rated carriers.

What Homeowners Insurance in Idaho Can Cover

Idaho's most common natural disasters are wildfires, floods, thunderstorms, and severe winter storms. Certain types of damage from these natural disasters won't be covered by just a standard home insurance policy. It's critical to understand which natural disasters are covered by your Idaho home insurance before one ever hits your area. 

Wildfires

Home insurance in Idaho provides coverage for many types of fire damage, including those caused by wildfires. This coverage comes standard in your policy. Your home insurance can help reimburse you for the costs of rebuilding or repairing your home's structure, as well as your personal property or contents. It can also pay extra costs associated with you needing to stay elsewhere while your home undergoes repairs after a wildfire.

Floods

Home insurance in Idaho specifically excludes many types of flood damage, especially those caused by natural sources like heavy rainfall and melted snow. To have protection against natural flooding disasters, you'd need to get a separate flood insurance policy. Natural flood damage is never included as a standard protection under home insurance.

Thunderstorms

Home insurance in Idaho provides coverage for lightning strikes and resulting fire damage, as well as wind damage from thunderstorms. However, any flooding damage that accompanies the rainfall would be excluded. Your standard home insurance policy includes coverage for wind, lightning, and fire damage.

Severe Winter Storms

Home insurance in Idaho provides coverage for snow and ice damage that can come with a severe winter storm. It also covers incidents of roof collapses due to the weight of snow and ice. But keep in mind that any natural flooding damage to the home after the snow and ice melts would be excluded.

What Homeowners Insurance in Idaho Will Not Cover

In Idaho, homeowners insurance excludes coverage for a couple of natural disasters. Earthquakes aren't covered by home insurance in Idaho, nor are natural flooding disasters, such as those caused by hurricanes. To protect your home and personal property against losses caused by earthquake damage, you need earthquake insurance. Also, as previously mentioned, you'd need a separate flood insurance policy to protect against losses due to natural flooding disasters. Since Idaho does have a moderate flood risk and a very high risk of earthquakes, consider adding both of these coverages. An Idaho independent insurance agent can help you find them. 

Flood Damage in Idaho

While natural disasters can cause flooding in homes in Idaho, so can other issues. Backed-up sewers or broken sewage lines, for example, can lead to rather messy incidents within the home. Unfortunately, home insurance often excludes coverage for sewer backups and resulting flood damage unless you've added a separate rider or endorsement to your policy specifically. So, know that while coverage is available, it's not necessarily included in your policy by default.

Average Cost of Homeowners Insurance in Idaho

The average cost of home insurance in Idaho is $905 per year or about $75 per month. This falls well below the current national average rate of $1,428 per year. Idaho's lower home insurance rates can be due to a number of different factors, such as lower-than-average crime rates in the area, lower property values, less risk of natural disaster damage, and more. Idaho is an inland state, so it has inherently less risk of certain natural disasters like hurricanes than many other states located along or closer to the coast. Its inland location can help reduce the cost of many types of coverage, including home insurance.

Average Idaho Home Insurance Costs by City

The average cost of home insurance in Idaho varies according to each city. So you could have the same policy in one city and pay a completely different rate than you would for that coverage two or three towns over. The Idaho city of Caldwell currently has the cheapest average rates, at only $506 per year. Here are some home insurance rates in Idaho by city.

How does your city measure up to the national average?

National average burglary rate 3.76 per 1,000 people

National average home value $269,000

National average home insurance cost $1,428 year

City	Annual insurance cost	Avg. home value	Burglaries / 1,000 homes
Boise	$790	$219,200	3.2
Caldwell	$506	$131,762	4.96
Cour d'Alene	$787	$214,066	3.99
Idaho Falls	$558	$150,885	4.08
Lewiston	$795	$188,610	9.04
Meridian	$832	$236,200	2.21
Moscow	$845	$236,553	2.8
Nampa	$555	$142,900	5.37
Pocatello	$545	$135,038	6.34
Post Falls	$771	$208,488	4.23
Rexburg	$889	$205,531	10.67
Twin Falls	$613	$154,364	6.21

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