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Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, life insurance, and other topics in the personal finance industry. Updated Nov 07, 2022 Find your perfect provider
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Collapse Caret Up For a $250k house, the in the United States is $1,477. In Idaho, it's considerably less at $936. Currently, almost are homeowners, leading to each year and $1.8 billion in claims. Though Idaho isn't as prone to as many natural disasters as some other states, this doesn't mean homeowners shouldn't know what they need or what to look out for when choosing a policy. Homes are often people's most valuable asset, and it is for this reason alone that you should always buy the best homeowners insurance possible. You never know when you'll need it or what you'll need it for. Collapse On This Page
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Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first. On This Page
For a $250k house, the in the United States is $1,477. In Idaho, it's considerably less at $936. Currently, almost are homeowners, leading to each year and $1.8 billion in claims. Though Idaho isn't as prone to as many natural disasters as some other states, this doesn't mean homeowners shouldn't know what they need or what to look out for when choosing a policy. Homes are often people's most valuable asset, and it is for this reason alone that you should always buy the best homeowners insurance possible. You never know when you'll need it or what you'll need it for. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form For a $250k house, the in the United States is $1,477. In Idaho, it's considerably less at $936. Currently, almost are homeowners, leading to each year and $1.8 billion in claims. Though Idaho isn't as prone to as many natural disasters as some other states, this doesn't mean homeowners shouldn't know what they need or what to look out for when choosing a policy. Homes are often people's most valuable asset, and it is for this reason alone that you should always buy the best homeowners insurance possible. You never know when you'll need it or what you'll need it for. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form For a $250k house, the in the United States is $1,477. In Idaho, it's considerably less at $936. Currently, almost are homeowners, leading to each year and $1.8 billion in claims. Though Idaho isn't as prone to as many natural disasters as some other states, this doesn't mean homeowners shouldn't know what they need or what to look out for when choosing a policy. Homes are often people's most valuable asset, and it is for this reason alone that you should always buy the best homeowners insurance possible. You never know when you'll need it or what you'll need it for. See more This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X Compare rates and save on home insurance today! Get quotes Close X The top home insurance in companies in Idaho
To find the in Idaho, we looked first at those who are in the state. These companies have agents with the most feet-on-the-ground knowledge of Idaho weather and other perils. Then we looked at coverage options, discounts, rates and consumer ratings organizations such as . We also looked at 2021 rate data acquired from Quadrant Information Services. Lastly, we looked at the company websites to see who was making it easiest for its customers to handle their insurance needs. Home insurance company Average annual premium for $250K dwelling J.D. Power score Allstate $944 829/1,000 Farm Bureau Mutual $455 Not rated Farmers $887 814/1,000 State Farm $1,414 829/1,000 USAA $1,166 889/1,000 This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Allstate
scores well for customer service with organizations like J.D. Power. come in several varities and can save you a significant amount of money on your premium, especially if you bundle homeowner and auto insurance. Like State Farm, Allstate has a user-friendly website that makes it easy to handle your insurance tasks online. The company has an extensive list of insurance types: in addition to homeowners insurance, Allstate offers renters, condo, auto, motorcycle, business, life, pet and more. Farm Bureau
With headquarters in Pocatello, of Idaho knows the state well. The company prides itself on personal, hands-on service, so if you'd like to be able to develop a relationship with an agent, it's a good option. The Farm Bureau website isn't as comprehensive as some of the larger companies, but you can pay your bill or file a claim online. Farm Bureau also offers auto, motorcycle, RV, renters, life, umbrella, business and crop insurance. Farmers
scores in the middle of the pack in just about every ranking we reviewed. Its customer service is rated middle of the road and its financial stability is also good-even if it's not as high as the others on our list. Farmers has a nice website, with a mobile app that can help you manage your policies quickly and conveniently, and it offers three levels of homeowners insurance: standard, enhanced and premier, depending on where you are financially and what level of coverage you'd like. In addition to home insurance, it sells policies for auto, life, business, recreational, motorcycle, umbrella, pet and renters. State Farm
has an excellent website. It's easy to get an online quote, pay your bills and manage your policy, and the company's is worth looking at even if you don't buy your policy from this provider. State Farm offers a variety of home and property, life, health and vehicle policies. USAA
is an unusual insurance company in that it only services current or retired military as well as their eligible family members. However, if this describes you or your family, you're in luck. USAA is consistently ranked as the top insurance provider by JD Power, only to be disqualified from winning each year because of its eligibility requirements. USAA has a lack of discounts, but the ones it does offer are available to many people. For example, if you own a car and choose USAA to insure it, you'll receive a bundling discount, worth up to 10% of your premium. Average homeowners insurance cost in Idaho
Although every insurer has its own proprietary formula for determining premiums, in general, Idaho ranks low across the board in premium cost. Currently the is $1,477, but in Idaho it is only $936, making it 37% cheaper. It's even cheaper than neighboring states Montana and Washington. Montana currently pays about $1,770 and Washington $975.
Idaho city Average annual premium for $250K dwelling coverage $789 Idaho ranks so low because it is not prone to natural disasters such as earthquakes, hurricanes or tornadoes. States that rank high on the premium list are those such as Louisiana where hurricanes and other disasters happen regularly. Home insurance considerations in Idaho
Idaho homeowners typically don’t need extensive coverage because the state is not subject to numerous natural disasters each year like other states. However, wildfires are on the rise, so you’ll want to pay specific attention to any possible exclusions your policy may have. Idaho common causes of loss
As a homeowner, it’s not unfathomable that you may have to file a claim one day. In Idaho, your future claim will likely revolve around one of the following: Flooding: Even if you’re not near a large body of water, it’s a good idea to check out FEMA’s to see if your home is in a flood zone. If it is, or if you have any concerns about flooding, ask your agent about the , which offers coverage for up to $275,000. Storms: Idaho, especially the northern areas, also sees its share of severe winter weather. This can lead to insurance claims for hail or snow damage to your roof or gutters; in the spring, snow melt may cause flooding problems. Weather can also cause things like frozen pipes or damaged roofing. Wildfires: Idaho is one of the top ten states at . Fires are covered in most basic policies, but you’ll want to consider full replacement coverage in your policy to ensure that you’d be able to rebuild if your home is destroyed by fire. Home insurance coverage options in Idaho
Your policy contains several specific types of coverage. Some of these come standard with most basic policies, others are optional add-ons, or amendments, that you can purchase for an additional cost. Frequent ones include: : Sometimes called , this covers damage to the house itself, and may extend to structures attached to it, such as a garage or deck. Other structures protection: This covers detached garages, tool sheds, fences, gazebos and other detached structures, and may be optional. : This covers damage to your belongings, from couches to curtains to clothes. If you own items of particular value, such as jewelry or electronics, insurance experts often recommend getting an amendment to cover the higher value of these items. Liability: If someone is injured at your home, such as from falling down a flight of stairs, this type of insurance would cover their medical expenses. Additional living expenses: If your home is damaged in a named peril and you are unable to live there while it’s being repaired, this coverage will pay for hotels and food costs. : Coverage for water damage from flooding is not covered in basic HO-3 (the most common type) policies. Your insurer may offer you the opportunity to purchase additional , which is managed by FEMA and underwritten by the federal government. Frequently asked questions
There's no one Idaho homeowners insurance company that offers the best coverage for everyone. Your best bet in finding the policy that is most suited to your needs is to do some research online, and then talk to several agents until you've found one who will work with you to provide customized coverage at a price you can handle.
Purchasing a policy for your home is simple. You'll need to provide some personal information, as well as information on your home, such as its age, condition and other data. Getting an online quote generally takes only 5-10 minutes, and is a great first step.
Maybe. Even though Idaho is a landlocked state, if your home is near a lake, creek or other smaller body of water, you could be at risk of flooding, especially during times of spring snowmelt. Your agent can help you decide if it's a worthwhile expense for you.
Most in Idaho feature discounts, which can dramatically lower your premium costs. Common discounts include electronic pay, bundled policies and safety features such as smoke detectors. Methodology
Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $250,000 Coverage B, Other Structures: $25,000 Coverage C, Personal Property: $125,000 Coverage D, Loss of Use: $50,000 Coverage E, Liability: $300,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). These are sample rates and should be used for comparative purposes only. Your quotes may be different. Rates are determined based on 2022 Quadrant Information Services data. Written by Lauren Ward Insurance Contributor Lauren Ward has nearly 10 years of experience in writing for insurance domains such as Bankrate, The Simple Dollar, and Reviews.com. She covers auto, homeowners, life insurance, and other topics in the personal finance industry.