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Best homeowners insurance in Idaho for 2024

Based on Bankrate's extensive research, USAA, Allstate, Travelers, State Farm and American Family write some of the best home insurance in the Gem State.

Updated Feb 08, 2024
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Compare the best homeowners insurance companies in Idaho

To find the best homeowners insurance in Idaho, we looked at which companies write the most policies for Idaho homeowners. Then we looked at coverage options, discounts, average rates and third-party data, including the 2023 J.D. Power U.S. Home Insurance Study. We also analyzed 2023 rate data acquired from Quadrant Information Services, which indicates that the average premium in Idaho is $905, or $75 a month, for $250,000 in dwelling coverage. Lastly, we looked at each company’s website to see which one makes it easiest for its customers to handle their insurance needs.

We took all this information and assigned Bankrate Scores for each insurance provider out of a possible 5.0 points to help make it easy for you to quickly compare carriers. Our list of top home insurers in Idaho includes USAA, Allstate, Travelers, State Farm and American Family.

Insurance company J.D. Power Average monthly premium Average annual premium
881
/1,000
$74
$890
Get a quote
809
/1,000
$95
$1,134
Get a quote
790
/1,000
$73
$871
Get a quote
829
/1,000
$136
$1,634
Read review
813
/1,000
$60
$724
Get a quote
*Premiums are for $250K in dwelling coverage **USAA not officially ranked by J.D. Power due to eligibility restrictions
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. 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.

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Read our full methodology

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

46

years of industry expertise

122

carriers reviewed

20.7K

ZIP codes examined

1.2M

quotes analyzed

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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. 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
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
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The top 5 home insurance companies in Idaho

Best for military-focused coverage

4.7

Rating: 4.7 stars out of 5

Avg. premium for $250K dwelling

$74/mo

Avg. premium for $250K dwelling

$890/yr

Customer satisfaction

881/1,000

Best for discounts

4.2

Rating: 4.2 stars out of 5

Avg. premium for $250K dwelling

$95/mo

Avg. premium for $250K dwelling

$1,134/yr

Customer satisfaction

809/1,000

Best for green homes

4.1

Rating: 4.1 stars out of 5

Avg. premium for $250K dwelling

$73/mo

Avg. premium for $250K dwelling

$871/yr

Customer satisfaction

790/1,000

Best for digital tools

4.2

Rating: 4.2 stars out of 5

Avg. premium for $250K dwelling

$136/mo

Avg. premium for $250K dwelling

$1,634/yr

Customer satisfaction

829/1,000

Best for homeowners on a budget

4.2

Rating: 4.2 stars out of 5

Avg. premium for $250K dwelling

$60/mo

Avg. premium for $250K dwelling

$724/yr

Customer satisfaction

813/1,000

Additional Idaho home insurance companies to consider

Idaho Farm Bureau

Idaho Farm Bureau

Who this may be best for

Homeowners looking for local service

Idaho Farm Bureau, a subsidiary of the broader Farm Bureau Insurance, could be a great option for homeowners looking to work with a local agent. Idaho Farm Bureau’s agents typically live in the area they service and may be able to offer state-specific advice. Home insurance policies from Idaho Farm Bureau come with liability coverage for snowmobiles, boats and ATVs already included, which could help explain why its rates are so high. According to our research, $250,000 of dwelling coverage from Idaho Farm Bureau costs $1,804, which is above the Idaho state and national average cost of home insurance.

Oregon Mutual

Oregon Mutual

Who this may be best for

Homeowners who prefer a smaller insurer

While there are many benefits to working with a national insurer, some homeowners may prefer to work with a smaller company. Idaho homeowners who fit this profile may want to look into a policy from Oregon Mutual, a smaller insurer that exclusively writes home insurance policies in Oregon, Washington, California and Idaho. Oregon Mutual partners with independent insurance agencies, which may help point Idaho homeowners in the right direction in terms of what kind of coverage they need. On top of homeowners insurance, Oregon Mutual also writes farm and ranch and winery policies.

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Finding cheap home insurance in Idaho

The cost of home insurance in Idaho is already on the cheaper end of the spectrum — but that does not mean that finding a cheap policy is always a breeze. To help you find an affordable home insurance policy that doesn’t skimp out on coverage, Bankrate rounded up a list of cheap home insurance companies in Idaho. Our picks are not only cheaper, they also have impressive customer service and strong third-party financial strength ratings. Back to top Caret Up

Cheapest home insurance companies in Idaho

Bankrate knows that paying for home insurance probably isn’t your favorite task on your to-do list. However, if you get a lower rate, it can help make paying for coverage a less bitter pill. Below are Bankrate’s picks for the cheapest home insurance companies in Idaho, and what they charge on average for $250,000 in dwelling coverage.

Carrier Monthly premium for $250k coverage Annual premium for $250k coverage Savings vs state avg. for $250k coverage
Mutual of Enumclaw
$51
$617
- $397
$60
$724
- $290
$68
$819
- $195
$73
$871
- $143
$74
$890
- $124
*based on $250K dwelling coverage

How to get cheap home insurance in Idaho

Although home insurance isn't mandated by the state the way car insurance is, your mortgage holder will likely require you to purchase a policy. Even if you don't have a mortgage, however, home insurance can save you thousands of dollars if you are faced with repairs or need to rebuild your home. Having said that, you don't want to pay more for your policy than you need to. Here are some strategies for finding the cheapest Idaho homeowners insurance.

  1. Shop around: Many insurance experts recommend that you gather several quotes when looking for the best policy, rather than assuming that the first quote will be your lowest price option. Once you have a handful of quotes, you can choose the most affordable one. Just be sure you are asking for the same levels and types of coverage from each company.
  2. Bundle your insurance: One of the most common insurance discounts is for bundling — that is, for purchasing more than one policy from the same company. If you are happy with the company that supplies your car insurance, for example, choosing it for your home insurance as well may give you an automatic discount.
  3. Increase your deductible: The deductible is the amount you pay before your policy kicks in after a covered claim. Increasing it is likely to reduce the amount you pay monthly for your premium; just be sure that you select an amount you feel comfortable paying on short notice.

Best home insurance discounts in Idaho

When looking for the best homeowners insurance in Idaho, one factor to take into consideration is the number of discounts that are available to you. Most insurers have at least a few, and many of them are fairly easy to qualify for. A knowledgeable agent can help you ensure that you're getting all the discounts possible. Here are some of the more common ones in Idaho:

Installing smoke detectors, a sprinkler system or burglar alarm could earn you a discount from most insurers.
You could pay less if you stay claims-free for a certain number of years, sometimes as little as one year.
Renovating your home's infrastructure — plumbing, heating, cooling and electrical systems — could get you a discount.
If you purchased your home within the last year, you may save some on your premium.
Some insurers reward homeowners who live in communities that are protected by security guards, residence cards or key-lock devices.

How to save on home insurance policy renewals in Idaho

Home insurance policies are usually one-year contracts, which leaves plenty of time between your policy renewal dates to lower your rate. It will ultimately depend on your insurer, but the following steps could help you save:

  • Raise your credit score: Your credit score is one of the factors that Idaho insurers can take into account when determining your premium. Individuals with a high credit score are more likely to earn a favorable rate, because they have a demonstrated ability to pay their bills in full and on time. Although it may not happen overnight, improving your credit score could result in a lower rate for your insurance policy.
  • Scan for discounts: It’s entirely possible that you missed a discount when you first signed up for your policy, or by the time your policy comes up for renewal, you may qualify for a new one. Speaking with a licensed insurance agent before your policy renewal date can help you pinpoint some new or new-to-you discounts.
  • Raise your deductible: If you are able to afford to raise your deductible, you may see a lower premium as the result. Keep in mind, however, that you would need to pay this amount before your insurance kicks in after a claim, so be careful to raise it only as high as you would be able to comfortably pay at a moment's notice.
  • Install a home security system: Many insurers offer discounts to homeowners with upgraded home security systems. For some, this could be as simple as adding a deadbolt. For others, it could be as involved as adding a camera system throughout your home. You might want to speak to a licensed insurance agent before pursuing this strategy to make sure what you spend on security does not outweigh a potential discount.
  • Bundle your policies: If you’re happy with your home insurance provider, you may consider bundling your home and auto policies together for a discount.
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Understanding home insurance costs in Idaho

Much of your home insurance cost depends on your location. While statewide average rates in Idaho may be less expensive than the national average, that may not be the case for all Idahoans. Below, we’ll take a closer look at what exactly plays into home insurance costs in Idaho. Back to top Caret Up

How much is home insurance in Idaho?

Although every insurer has its own proprietary formula for determining home insurance premiums, in general, Idaho rates tend to err on the low end of the spectrum. Currently, the average cost of homeowners insurance in the United States is $1,759 for $250,000 in dwelling coverage, but in Idaho, it is only $1,014. It’s even cheaper than neighboring states Montana and Washington. Montana homeowners currently pay an average of $2,172, while Washington homeowners pay an average of $1,157.

Idaho homeowners insurance rates by city

Idaho is the 14th largest state in the country, which leaves plenty of opportunity for home insurance rates to change across different cities.

  • Meridian: $935 per year — 8 percent below state average
  • Kuna: $956 per year — 6 percent below state average
  • Star: $969 per year — 4 percent below state average
  • Coeur D Alene: $973 per year — 4 percent below state average
  • Boise: $976 per year — 4 percent below state average
  • New Meadows: $1,141 per year — 13 percent above state average
  • Riggins: $1,134 per year — 12 percent above state average
  • Pollock: $1,133 per year — 12 percent above state average
  • Lucile: $1,132 per year — 12 percent above state average
  • Cottonwood: $1,129 per year — 11 percent above state average

*Rates are for $250,000 in dwelling coverage.

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Insuring your Idaho home

There’s more going on in Idaho than potato growing. Floods, wildfires, earthquakes and even volcanic activity have plagued the state. Here’s how your home insurance policy can help protect your home from unexpected disasters. Back to top Caret Up

What does home insurance cover in Idaho?

There are multiple types of home insurance, the most common being an HO-3 policy. With an HO-3, your dwelling and other structures are covered on an open-peril basis, while your personal property is covered on a named-peril basis. It sounds complex, but what it means is that your dwelling and other structures are protected from all kinds of perils except what is excluded per your policy and your personal property is covered from only what is listed in your policy.

Depending on where you live, your insurer may exclude or limit certain perils. If you live in a high-risk wildfire zone, for example, your insurer may omit wildfire damage from your home insurance policy. To make sure you have adequate coverage, you might want to review your policy with a licensed agent. Here’s what you can typically expect your home insurance to cover in Idaho:

  • Weight from snow and ice
  • Volcanic eruptions
  • Smoke and ash
  • Windstorms
  • Theft
  • Fire
  • Falling objects

Additional home insurance coverage types in Idaho

Your policy contains several specific types of coverage. Some of these, such as dwelling coverage, liability and personal property, come with a standard HO-3 home insurance policy. In order to better protect your finances against costly repairs, you may want to consider purchasing additional coverage, such as:

  • Flood insurance: Water damage from flooding is typically costly and is not covered in standard home insurance policies, so you may want to consider purchasing a flood insurance policy. If you live in a zone that is considered high-risk for flooding, your mortgage lender may require you to purchase flood insurance, but even if you don’t, flooding can happen anytime, anywhere and the damage it causes can be financially devastating, so you may want to consider this additional financial protection. Flood policies can be purchased through the National Flood Insurance Program (NFIP) or several private insurers.
  • Earthquake insurance: Idaho is ranked fifth in the nation for earthquake risk, so you may want to consider purchasing earthquake insurance. In most cases, coverage for damage from earthquakes is available as an insurance endorsement, but talk with your insurance agent to see what is available from your preferred insurance company.
  • Wildfire coverage: Idaho is considered a high-risk state for wildfires, so it’s important to ensure that you are covered. Many standard home insurance policies do cover damage caused by a wildfire, but if you are in a particularly high-risk area, you may need to purchase additional coverage. Talk to your home insurance agent when purchasing your policy to ensure you are financially protected against this common Idaho peril.
  • Sump pump and sewer backup: Generally, a basic HO-3 policy will cover some plumbing issues, but there may be gaps in the coverage. If you have a sump pump in your basement or are concerned about sewer backup issues, you may want to consider an additional endorsement to give you more robust coverage in the event of a situation that involves clogs or backups in your home's pipes.
  • Replacement cost coverage: Your policy is likely to cover replacement of your personal belongings, but not all policies include replacement cost coverage, which does not take depreciation into account and gives you the full amount to allow you to purchase new items like those that were lost.
  • Identity theft insurance: As identity theft has become more and more a problem in our technological world, insurers increasingly offer this coverage as an endorsement. It may help you pay for identity restoration or legal bills after a breach.

Related content:

Common Idaho home insurance problems

According to the Idaho Office of Emergency Management, wildfires and flooding are the two most common natural disasters in the state. And if that weren’t enough, Idaho also experiences earthquakes, volcanic activity and heavy snowfalls. Other disasters Idaho homeowners may have to confront include:

  • Windstorms
  • Theft
  • Lightning strikes

Frequently asked questions

Savings

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Methodology

Bankrate utilizes Quadrant Information Services to analyze the latest rates from February, 2024 for 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 will differ.

Bankrate Score

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2024 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech  and the NAIC, were analyzed.
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
  • Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
Written by
Natalie Todoroff
Writer, Insurance

Natalie Todoroff is an insurance writer for Bankrate, prior to which she wrote for a popular insurance comparison shopping app. She has a Bachelor of Arts in English and has written over 800 articles about insurance throughout her career.

Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute