Best Idaho Home Insurance (August 23)
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Are you looking for cheap homeowners insurance in Idaho? We have analyzed all the major insurers in the state to bring you the best home insurance rates.
Key Takeaways
- Idaho homeowners insurance costs $1,185 annually.
- Insurers offer home insurance policies in the state starting at around $449 annually.
- It is better to buy additional flood insurance if you live in Idaho.
Idaho homeowners insurance: What you need to know
Homeowners insurance costs in Idaho come to around $1,185 yearly, which is lower than the national average rate.
Though the rate of home insurance isn't higher in the state, the state gets occasionally affected by floods and wildfires. So if you're a resident, you must buy a home insurance policy to protect your home and possessions. So looking for the best Idaho homeowners insurance rates? We have all that covered!
What does a homeowners insurance policy cover?
Ideally, a homeowners insurance policy provides these coverages - Dwelling, Liability, Medical Payments to Others, Personal Property, Other Structures, and Additional Living Expenses.
What isn't covered by a typical homeowners insurance policy?
A home insurance policy doesn't offer coverage for flooding, nuclear threats, earthquakes, flooding, power outages, war, wear and tear, insect and vermin infestations, sinkholes, or intentional loss. Therefore, while buying homeowners insurance in Idaho, you must carefully review It to ensure the coverages you get.
The cheapest home insurance companies in Idaho
The rate of Idaho homeowners insurance differs based on the insurer you choose. With a yearly average rate of $449, Safeco offers the lowest rate for a home insurance policy in Idaho. Farm Bureau has the second-best rate for Idaho home insurance, with a yearly rate of $507.
Start searching for cheap homeowners insurance by looking at the top Idaho companies' average rates provided below. Then, check out our list of the top home insurance providers to see how each insurer compares in terms of its rate, coverages, and customer satisfaction.
| Insurer | Average annual rate |
|---|---|
| Safeco | $449 |
| Farm Bureau | $507 |
| Oregon Mutual | $679 |
| American Family | $836 |
| Enumclaw | $926 |
The best homeowners insurance in Idaho for those with poor credit
Residents with poor credit scores need to pay more for homeowners insurance in Idaho. It is because insurers consider you risky as you're likely to file more claims. Farmers offer the most affordable home insurance rates in Idaho for a homeowner with bad credit, with an average yearly premium of $1,805. At the same time, Farm Bureau Insurance of Idaho has the most, with an average yearly premium of $4,196.
| Insurer | Average annual rate |
|---|---|
| Farmers | $1,805 |
| USAA | $2,208 |
| Allstate | $2,793 |
| State Farm | $3,550 |
| Farm Bureau Insurance of Idaho | $4,196 |
The best homeowners insurance in Idaho for pool owners
If you have a swimming pool, your home insurance rates may increase since they can result in more liability claims. For homes in Idaho with swimming pools, USAA offers the lowest average with an annual premium of $1,161. Farm Bureau Insurance of Idaho has the highest average annual premium of $2,784.
| Insurer | Average annual rate |
|---|---|
| USAA | $1,161 |
| Farmers | $1,244 |
| Allstate | $2,240 |
| State Farm | $2,362 |
| Farm Bureau Insurance of Idaho | $2,784 |
The best homeowners insurance in Idaho for dog owners
Some insurers charge high rates for home insurance if you own a dog breed that they consider 'dangerous.' Sometimes they may even reject your application. USAA has the lowest home insurance premium rates in Idaho, with an average yearly premium of $1,161 if you own a breed that they consider 'dangerous.'However, Farm Bureau Insurance of Idaho has the most, with an average yearly premium of $2,784.
| Insurer | Average annual rate |
|---|---|
| USAA | $1,161 |
| Farmers | $1,244 |
| Allstate | $2,240 |
| State Farm | $2,362 |
| Farm Bureau Insurance of Idaho | $2,784 |
Homeowners insurance deductibles in Idaho
The amount the insured must contribute to a covered loss is the deductible. Where you set your deductible might have a substantial impact on the rate of homeowners insurance in Idaho. The insurance rates will be higher if your deductible is smaller. So, opt for a higher deductible if you want to keep your insurance costs low. These are some of the typical deductibles provided by home insurance providers.
| Deductible Level | Average annual rate |
|---|---|
| $500 | $907 |
| $1,000 | $831 |
| $1,500 | $787 |
| $2,000 | $749 |
| $5,000 | $653 |
Idaho home insurance prices by coverage levels
The level of home insurance coverage you select impacts your insurance. In Idaho, homeowners who carry $100,000 in dwelling coverage pay around $462 annually, while those who carry $400,000 in coverage pay around $1,185 annually.
| Dwelling coverage cost | Average annual rate |
|---|---|
| $100,000 | $462 |
| $200,000 | $718 |
| $250,000 | $831 |
| $400,000 | $1,185 |
Idaho homeowners insurance costs by city
Depending on where you live, Idaho homeowners insurance costs vary. The rate depends on factors like ZIP code and the volume of claims. The insurance rates in various cities are as follows.
| City | Average annual rate |
|---|---|
| Abingdon | $1,780 |
| Adair | $1,911 |
| Addieville | $2,135 |
| Addison | $1,520 |
| Albany | $1,688 |
| Albers | $1,994 |
| Albion | $2,158 |
| Aledo | $1,919 |
| Alexander | $1,992 |
| Alexis | $1,949 |
| Algonquin | $1,643 |
| Allendale | $2,151 |
| Allerton | $1,816 |
| Alorton | $2,244 |
| Alpha | $1,855 |
| Alsey | $2,331 |
| Alsip | $1,746 |
| Altamont | $1,845 |
| Alto Pass | $2,350 |
| Alton | $1,956 |
| Altona | $1,915 |
| Alvin | $1,886 |
| Amboy | $1,691 |
| Anchor | $1,661 |
| Ancona | $1,833 |
| Andalusia | $1,825 |
| Andover | $2,287 |
| Anna | $2,281 |
| Annapolis | $2,015 |
| Annawan | $1,817 |
| Antioch | $1,739 |
| Apple River | $1,757 |
| Arcola | $1,719 |
| Argenta | $1,892 |
| Arlington | $1,740 |
| Arlington Heights | $1,560 |
| Armington | $1,845 |
| Armstrong | $1,775 |
| Aroma Park | $2,287 |
| Arrowsmith | $1,691 |
| Arthur | $1,746 |
| Ashland | $1,895 |
| Ashley | $2,139 |
| Ashmore | $1,833 |
| Ashton | $1,745 |
| Assumption | $1,975 |
| Athens | $1,912 |
| Atkinson | $1,803 |
| Atlanta | $1,773 |
| Atwood | $1,767 |
| Auburn | $1,871 |
| Augusta | $1,892 |
| Aurora | $1,563 |
| Ava | $2,389 |
| Aviston | $1,961 |
| Avon | $1,909 |
| Baileyville | $1,804 |
| Bannockburn | $1,704 |
| Bardolph | $1,969 |
| Barnhill | $2,238 |
| Barrington | $1,642 |
| Barrington Hills | $1,630 |
| Barry | $1,978 |
| Barstow | $2,276 |
| Bartelso | $2,015 |
| Bartlett | $1,557 |
| Bartonville | $1,738 |
| Basco | $2,040 |
| Batavia | $1,542 |
| Batchtown | $2,001 |
| Bay View Gardens | $1,686 |
| Baylis | $2,053 |
| Beach Park | $1,669 |
| Beardstown | $1,843 |
| Beason | $1,943 |
| Beckemeyer | $2,352 |
| Bedford Park | $1,865 |
| Beecher | $1,704 |
| Beecher City | $1,927 |
| Belknap | $2,443 |
| Belle Rive | $2,289 |
| Belleville | $1,945 |
| Bellevue | $1,723 |
| Bellmont | $2,506 |
| Bellwood | $1,747 |
| Belvidere | $1,619 |
| Bement | $1,807 |
| Benld | $1,920 |
| Bensenville | $1,547 |
| Benson | $1,760 |
| Benton | $2,309 |
| Berkeley | $1,658 |
| Berwick | $1,917 |
| Berwyn | $1,643 |
| Bethalto | $1,981 |
| Bethany | $1,828 |
| Bingham | $2,041 |
| Bishop Hill | $1,836 |
| Bismarck | $1,875 |
| Blackstone | $1,702 |
| Blandinsville | $1,938 |
| Bloomingdale | $1,619 |
| Bloomington | $1,738 |
| Blue Island | $1,787 |
| Blue Mound | $1,868 |
| Bluff Springs | $2,268 |
| Bluffs | $1,969 |
| Bluford | $2,300 |
| Boles | $2,650 |
| Bolingbrook | $1,656 |
| Bolivia | $1,977 |
| Bondville | $1,672 |
| Bone Gap | $2,105 |
| Bonfield | $1,835 |
| Bonnie | $2,325 |
| Boody | $2,251 |
| Boulder Hill | $1,558 |
| Bourbonnais | $1,719 |
| Bowen | $1,962 |
| Braceville | $1,692 |
| Bradford | $1,846 |
| Bradley | $1,731 |
| Braidwood | $1,727 |
| Breese | $1,948 |
| Bridgeport | $1,999 |
| Bridgeview | $1,675 |
| Brighton | $2,010 |
| Brimfield | $1,788 |
| Bristol | $1,573 |
| Broadlands | $1,734 |
| Broadview | $1,717 |
| Brocton | $1,999 |
| Brookfield | $1,585 |
| Brooklyn | $2,139 |
| Brookport | $2,351 |
| Broughton | $2,350 |
| Browns | $2,175 |
| Brownstown | $1,991 |
| Brussels | $1,971 |
| Bryant | $2,300 |
| Buckingham | $1,874 |
| Buckley | $1,702 |
| Buckner | $2,298 |
| Buda | $1,845 |
| Buffalo | $1,965 |
| Buffalo Grove | $1,617 |
| Buffalo Prairie | $2,271 |
| Bulpitt | $1,913 |
| Buncombe | $2,455 |
| Bunker Hill | $1,999 |
| Burbank | $1,688 |
| Bureau | $2,242 |
| Burlington | $2,218 |
| Burnham | $2,552 |
| Burnt Prairie | $2,190 |
| Burr Ridge | $1,509 |
| Bushnell | $1,836 |
| Butler | $2,150 |
| Byron | $1,636 |
| Cabery | $1,776 |
| Cahokia | $2,271 |
| Cairo | $2,314 |
| Calhoun | $2,228 |
| Calumet City | $1,848 |
| Calumet Park | $1,824 |
| Camargo | $1,779 |
| Cambria | $2,273 |
| Cambridge | $1,878 |
| Camden | $1,911 |
| Cameron | $1,902 |
| Camp Grove | $2,230 |
| Camp Point | $2,020 |
| Campbell Hill | $2,351 |
| Campton Hills | $1,550 |
| Campus | $2,177 |
| Canton | $1,816 |
| Cantrall | $1,906 |
| Capron | $1,708 |
| Carbon Cliff | $1,765 |
| Carbondale | $2,246 |
| Carlinville | $1,960 |
| Carlock | $1,707 |
| Carlyle | $1,964 |
| Carmi | $2,206 |
| Carol Stream | $1,718 |
| Carpentersville | $1,630 |
| Carrier Mills | $2,314 |
| Carterville | $2,265 |
| Carthage | $1,911 |
| Cary | $1,641 |
| Casey | $1,987 |
| Caseyville | $2,222 |
| Castleton | $2,231 |
| Catlin | $1,781 |
| Cedar Point | $2,202 |
| Cedarville | $2,172 |
| Central City | $2,050 |
| Centralia | $1,992 |
| Centreville | $2,304 |
| Cerro Gordo | $1,832 |
| Chadwick | $1,745 |
| Chambersburg | $1,918 |
| Champaign | $1,611 |
| Chana | $1,796 |
| Channahon | $1,721 |
| Channel Lake | $1,742 |
| Charleston | $1,720 |
| Chatham | $1,764 |
| Chenoa | $1,691 |
| Cherry | $2,246 |
| Cherry Valley | $1,593 |
| Chester | $1,954 |
| Chesterfield | $2,153 |
| Chestnut | $1,954 |
| Chicago | $2,307 |
| Chicago Heights | $1,787 |
| Chicago Ridge | $1,678 |
| Chillicothe | $1,708 |
| Chrisman | $1,918 |
| Christopher | $2,294 |
| Cicero | $1,736 |
| Cisco | $1,926 |
| Cisne | $2,250 |
| Cissna Park | $1,739 |
| Clare | $1,757 |
| Claremont | $2,051 |
| Clarendon Hills | $1,479 |
| Clayton | $1,975 |
| Claytonville | $2,205 |
| Clifton | $1,748 |
| Clinton | $1,836 |
| Coal City | $1,691 |
| Coal Valley | $1,815 |
| Coatsburg | $1,995 |
| Cobden | $2,344 |
| Coello | $2,628 |
| Coffeen | $2,014 |
| Colchester | $1,908 |
| Colfax | $1,660 |
| Collinsville | $1,951 |
| Collison | $1,899 |
| Colona | $1,797 |
| Colp | $2,656 |
| Columbia | $1,853 |
| Colusa | $2,289 |
| Compton | $1,731 |
| Congerville | $1,714 |
| Cooksville | $1,684 |
| Cornell | $1,759 |
| Cornland | $2,288 |
| Cortland | $1,554 |
| Cottage Hills | $1,969 |
| Coulterville | $2,056 |
| Country Club Hills | $1,803 |
| Countryside | $1,584 |
| Cowden | $1,910 |
| Crainville | $2,267 |
| Crescent City | $1,711 |
| Crest Hill | $1,620 |
| Creston | $2,143 |
| Crestwood | $1,888 |
| Crete | $1,709 |
| Creve Coeur | $1,705 |
| Cropsey | $1,689 |
| Crossville | $2,241 |
| Crystal Lake | $1,642 |
| Crystal Lawns | $1,674 |
| Cuba | $1,909 |
| Cullom | $1,731 |
| Cutler | $2,108 |
| Cypress | $2,437 |
| Dahinda | $1,854 |
| Dakota | $1,747 |
| Dalton City | $1,867 |
| Dalzell | $1,715 |
| Dana | $1,720 |
| Danvers | $1,703 |
| Danville | $1,762 |
| Darien | $1,507 |
| Davis | $1,607 |
| Davis Junction | $1,693 |
| Dawson | $1,945 |
| De Land | $1,819 |
| De Soto | $2,279 |
| De Witt | $1,872 |
| Decatur | $1,764 |
| Deer Grove | $1,837 |
| Deer Park | $1,643 |
| Deerfield | $1,680 |
| DeKalb | $1,526 |
| Delavan | $1,847 |
| Dennison | $2,159 |
| DePue | $2,242 |
| Des Plaines | $1,637 |
| Dewey | $1,755 |
| Diamond | $1,691 |
| Dieterich | $1,899 |
| Dix | $2,329 |
| Dixmoor | $1,861 |
| Dixon | $1,633 |
| Dolton | $1,852 |
| Dongola | $2,407 |
| Donnellson | $1,976 |
| Donovan | $1,807 |
| Dorsey | $2,048 |
| Dover | $1,733 |
| Dow | $1,985 |
| Dowell | $2,648 |
| Downers Grove | $1,509 |
| Downs | $1,663 |
| Du Quoin | $2,109 |
| Dundas | $2,146 |
| Dunfermline | $2,302 |
| Dunlap | $1,685 |
| Dupo | $2,056 |
| Durand | $1,649 |
| Dwight | $1,665 |
| Eagarville | $2,343 |
| Earlville | $1,712 |
| East Alton | $1,969 |
| East Carondelet | $2,078 |
| East Dubuque | $1,724 |
| East Dundee | $1,624 |
| East Galesburg | $1,812 |
| East Hazel Crest | $1,788 |
| East Lynn | $2,231 |
| East Moline | $1,757 |
| East Peoria | $1,730 |
| East St. Louis | $2,322 |
| Easton | $1,886 |
| Eddyville | $2,377 |
| Edelstein | $1,812 |
| Edgewood | $1,880 |
| Edinburg | $1,973 |
| Edwards | $1,739 |
| Edwardsville | $1,937 |
| Effingham | $1,754 |
| Elburn | $1,577 |
| Eldena | $2,178 |
| Eldorado | $2,275 |
| Eldred | $2,078 |
| Eleroy | $2,155 |
| Elgin | $1,618 |
| Elizabeth | $1,765 |
| Elizabethtown | $2,366 |
| Elk Grove Village | $1,577 |
| Elkville | $2,337 |
| Ellery | $2,311 |
| Elliott | $2,161 |
| Ellisville | $1,873 |
| Ellsworth | $1,735 |
| Elmhurst | $1,495 |
| Elmwood | $1,732 |
| Elmwood Park | $1,640 |
| Elvaston | $2,011 |
| Elwin | $2,271 |
| Elwood | $1,735 |
| Emden | $1,846 |
| Emington | $1,673 |
| Emma | $2,585 |
| Energy | $2,274 |
| Eola | $2,128 |
| Esmond | $1,716 |
| Essex | $1,817 |
| Eureka | $1,668 |
| Evanston | $1,711 |
| Evansville | $2,022 |
| Evergreen Park | $1,720 |
| Ewing | $2,339 |
| Fairbury | $1,664 |
| Fairfield | $2,225 |
| Fairmont | $1,671 |
| Fairmont City | $2,350 |
| Fairmount | $1,807 |
| Fairview Heights | $2,000 |
| Farina | $2,024 |
| Farmer City | $1,784 |
| Farmersville | $1,969 |
| Farmington | $1,832 |
| Fenton | $1,811 |
| Ferris | $2,308 |
| Fiatt | $2,284 |
| Fidelity | $1,984 |
| Fieldon | $1,985 |
| Findlay | $1,816 |
| Fisher | $1,685 |
| Fithian | $1,846 |
| Flanagan | $1,705 |
| Flat Rock | $2,110 |
| Flora | $2,100 |
| Flossmoor | $1,724 |
| Foosland | $1,767 |
| Ford Heights | $1,791 |
| Forest City | $1,912 |
| Forest Lake | $1,709 |
| Forest Park | $1,705 |
| Forest View | $1,638 |
| Forrest | $1,720 |
| Forreston | $1,692 |
| Forsyth | $1,738 |
| Fort Sheridan | $1,730 |
| Fowler | $2,051 |
| Fox Lake | $1,735 |
| Fox Lake Hills | $1,703 |
| Fox River Grove | $1,640 |
| Fox Valley | $2,173 |
| Frankfort | $1,666 |
| Frankfort Heights | $2,626 |
| Frankfort Square | $1,668 |
| Franklin Grove | $1,705 |
| Franklin Park | $1,639 |
| Frederick | $1,891 |
| Freeburg | $1,982 |
| Freeman Spur | $2,626 |
| Freeport | $1,587 |
| Fulton | $1,651 |
| Fults | $2,078 |
| Gages Lake | $1,644 |
| Galatia | $2,351 |
| Galena | $1,703 |
| Galesburg | $1,769 |
| Galt | $2,161 |
| Galva | $1,812 |
| Garden Prairie | $1,693 |
| Gardner | $1,746 |
| Gays | $1,863 |
| Geff | $2,274 |
| Geneseo | $1,797 |
| Geneva | $1,527 |
| Genoa | $1,559 |
| Georgetown | $1,791 |
| Gerlaw | $1,883 |
| German Valley | $1,668 |
| Germantown | $1,975 |
| Germantown Hills | $1,707 |
| Gibson City | $1,645 |
| Gifford | $1,632 |
| Gilberts | $1,647 |
| Gillespie | $1,960 |
| Gilman | $1,707 |
| Gilson | $1,900 |
| Girard | $1,922 |
| Glasford | $1,795 |
| Glen Carbon | $1,947 |
| Glen Ellyn | $1,498 |
| Glenarm | $1,890 |
| Glencoe | $1,669 |
| Glendale Heights | $1,571 |
| Glenview | $1,566 |
| Glenwood | $1,747 |
| Godfrey | $1,961 |
| Golconda | $2,347 |
| Golden | $2,010 |
| Golden Eagle | $2,118 |
| Golden Gate | $2,224 |
| Golf | $1,618 |
| Good Hope | $1,961 |
| Goodfield | $1,675 |
| Goodwine | $2,189 |
| Goreville | $2,298 |
| Gorham | $2,296 |
| Grafton | $2,117 |
| Grand Ridge | $1,734 |
| Grandview | $1,788 |
| Grandwood Park | $1,669 |
| Granite City | $2,003 |
| Grant Park | $1,758 |
| Grantsburg | $2,393 |
| Granville | $1,669 |
| Graymont | $1,708 |
| Grayslake | $1,618 |
| Grayville | $2,194 |
| Great Lakes | $1,664 |
| Green Oaks | $1,604 |
| Green Valley | $1,860 |
| Greenfield | $2,060 |
| Greenup | $1,947 |
| Greenview | $1,931 |
| Greenville | $1,921 |
| Greenwood | $1,653 |
| Griggsville | $1,914 |
| Gurnee | $1,639 |
| Hagaman | $2,153 |
| Hagarstown | $2,324 |
| Hainesville | $1,614 |
| Hamburg | $1,981 |
| Hamel | $2,453 |
| Hamilton | $1,883 |
| Hammond | $1,810 |
| Hampshire | $1,637 |
| Hampton | $1,741 |
| Hanna City | $1,801 |
| Hanover Park | $1,603 |
| Hardin | $1,984 |
| Harrisburg | $2,250 |
| Harrison | $2,287 |
| Harristown | $2,270 |
| Hartford | $1,980 |
| Hartsburg | $1,849 |
| Harvard | $1,716 |
| Harvey | $1,930 |
| Harwood Heights | $1,615 |
| Havana | $1,852 |
| Hawthorn Woods | $1,689 |
| Hazel Crest | $1,789 |
| Hebron | $1,688 |
| Hecker | $1,840 |
| Hennepin | $1,762 |
| Henning | $2,236 |
| Henry | $1,717 |
| Heritage Lake | $1,719 |
| Herod | $2,450 |
| Herrin | $2,295 |
| Herscher | $1,820 |
| Hettick | $1,994 |
| Heyworth | $1,628 |
| Hickory Hills | $1,646 |
| Hidalgo | $2,093 |
| Highland | $1,992 |
| Highland Park | $1,733 |
| Highwood | $1,646 |
| Hillsboro | $1,943 |
| Hillsdale | $1,918 |
| Hillside | $1,612 |
| Hillview | $2,066 |
| Hinckley | $1,583 |
| Hindsboro | $1,774 |
| Hines | $1,741 |
| Hinsdale | $1,704 |
| Hodgkins | $1,593 |
| Hoffman | $2,395 |
| Hoffman Estates | $1,626 |
| Holcomb | $2,167 |
| Holiday Shores | $1,956 |
| Homer | $1,713 |
| Homer Glen | $1,608 |
| Hometown | $1,707 |
| Homewood | $1,779 |
| Hoopeston | $1,724 |
| Hooppole | $1,856 |
| Hopkins Park | $2,248 |
| Hoyleton | $2,167 |
| Hudson | $1,594 |
| Huey | $2,350 |
| Hull | $1,963 |
| Humboldt | $1,838 |
| Hume | $1,830 |
| Huntley | $1,649 |
| Hurst | $2,676 |
| Hutsonville | $1,966 |
| Illinois City | $1,983 |
| Illiopolis | $1,915 |
| Ina | $2,263 |
| Indian Head Park | $1,585 |
| Indianola | $1,869 |
| Ingalls Park | $1,732 |
| Ingleside | $1,747 |
| Ingraham | $2,105 |
| Inverness | $1,602 |
| Ipava | $1,912 |
| Iroquois | $2,190 |
| Irvington | $2,499 |
| Island Lake | $1,659 |
| Itasca | $1,557 |
| Ivesdale | $1,710 |
| Jacksonville | $1,850 |
| Jacob | $2,309 |
| Janesville | $2,388 |
| Jerome | $1,789 |
| Jerseyville | $1,939 |
| Jewett | $2,073 |
| Johnsburg | $1,642 |
| Johnsonville | $2,277 |
| Johnston City | $2,275 |
| Joliet | $1,671 |
| Jonesboro | $2,386 |
| Joppa | $2,658 |
| Joy | $1,918 |
| Junction | $2,432 |
| Justice | $1,640 |
| Kampsville | $1,997 |
| Kane | $2,137 |
| Kaneville | $2,157 |
| Kankakee | $1,754 |
| Kansas | $1,879 |
| Karbers Ridge | $2,631 |
| Kasbeer | $2,248 |
| Keenes | $2,291 |
| Keensburg | $2,510 |
| Keithsburg | $1,899 |
| Kell | $2,180 |
| Kempton | $1,750 |
| Kenilworth | $1,615 |
| Kenney | $1,921 |
| Kent | $1,660 |
| Kewanee | $1,770 |
| Keyesport | $1,981 |
| Kildeer | $1,692 |
| Kincaid | $1,889 |
| Kinderhook | $2,016 |
| Kingston Mines | $2,209 |
| Kinmundy | $2,161 |
| Kinsman | $1,802 |
| Kirkland | $1,580 |
| Kirkwood | $1,827 |
| Knollwood | $1,664 |
| Knoxville | $1,808 |
| La Fayette | $1,834 |
| La Grange | $1,585 |
| La Grange Park | $1,598 |
| La Place | $2,286 |
| La Prairie | $1,992 |
| La Rose | $2,200 |
| LaClede | $1,880 |
| Lacon | $1,751 |
| Ladd | $1,707 |
| Lafox | $2,146 |
| Lake Barrington | $1,649 |
| Lake Bluff | $1,670 |
| Lake Forest | $1,664 |
| Lake Fork | $2,286 |
| Lake Holiday | $1,635 |
| Lake in the Hills | $1,658 |
| Lake of the Woods | $1,621 |
| Lake Petersburg | $1,911 |
| Lake Villa | $1,705 |
| Lake Zurich | $1,706 |
| Lakemoor | $1,670 |
| Lakewood | $1,639 |
| Lakewood Shores | $1,755 |
| Lanark | $1,722 |
| Lane | $2,293 |
| Lansing | $1,719 |
| LaSalle | $1,665 |
| Latham | $1,842 |
| Laura | $1,882 |
| Lawndale | $1,770 |
| Lawrenceville | $2,051 |
| Le Roy | $1,641 |
| Lebanon | $1,965 |
| Lee | $1,759 |
| Lee Center | $2,199 |
| Leland | $1,708 |
| Leland Grove | $1,783 |
| Lemont | $1,598 |
| Lena | $1,634 |
| Lenzburg | $2,065 |
| Leonore | $2,195 |
| Lerna | $1,918 |
| Lewistown | $1,898 |
| Lexington | $1,674 |
| Libertyville | $1,603 |
| Lima | $2,350 |
| Lincoln | $1,751 |
| Lincoln's New Salem | $2,303 |
| Lincolnshire | $1,651 |
| Lincolnwood | $1,610 |
| Lindenhurst | $1,704 |
| Lindenwood | $1,679 |
| Lisle | $1,579 |
| Litchfield | $1,954 |
| Literberry | $2,321 |
| Little York | $1,849 |
| Littleton | $1,997 |
| Liverpool | $1,838 |
| Livingston | $2,437 |
| Loami | $1,951 |
| Lockport | $1,669 |
| Loda | $1,729 |
| Logan | $2,623 |
| Lomax | $1,993 |
| Lombard | $1,540 |
| London Mills | $1,876 |
| Long Grove | $1,660 |
| Long Lake | $1,671 |
| Long Point | $1,810 |
| Longview | $1,833 |
| Loraine | $2,022 |
| Lostant | $1,779 |
| Louisville | $2,146 |
| Lovejoy | $2,118 |
| Loves Park | $1,632 |
| Lowder | $2,340 |
| Lowpoint | $1,859 |
| Lynn Center | $1,938 |
| Lynwood | $1,789 |
| Lyons | $1,604 |
| Macedonia | $2,384 |
| Machesney Park | $1,621 |
| Mackinaw | $1,722 |
| Macomb | $1,839 |
| Macon | $1,866 |
| Madison | $2,097 |
| Maeystown | $2,272 |
| Magnolia | $1,732 |
| Mahomet | $1,622 |
| Malden | $1,804 |
| Malta | $1,624 |
| Manchester | $2,348 |
| Manhattan | $1,716 |
| Manito | $1,869 |
| Manlius | $2,243 |
| Mansfield | $1,732 |
| Manteno | $1,735 |
| Maple Park | $1,617 |
| Mapleton | $1,751 |
| Marengo | $1,667 |
| Marietta | $1,951 |
| Marine | $2,039 |
| Marion | $2,260 |
| Marissa | $2,080 |
| Mark | $2,198 |
| Markham | $1,863 |
| Maroa | $1,840 |
| Marquette Heights | $1,739 |
| Marseilles | $1,698 |
| Marshall | $2,065 |
| Martinsville | $2,075 |
| Maryville | $1,968 |
| Mascoutah | $1,985 |
| Mason | $1,922 |
| Mason City | $1,892 |
| Matherville | $1,842 |
| Matteson | $1,668 |
| Mattoon | $1,680 |
| Maunie | $2,596 |
| Maywood | $1,755 |
| Mazon | $1,753 |
| McConnell | $1,714 |
| McHenry | $1,640 |
| McLean | $1,736 |
| McLeansboro | $2,292 |
| McNabb | $1,812 |
| Mechanicsburg | $1,977 |
| Medinah | $1,560 |
| Medora | $2,005 |
| Melrose Park | $1,665 |
| Melvin | $1,678 |
| Menard | $2,316 |
| Mendon | $1,969 |
| Mendota | $1,673 |
| Meredosia | $1,880 |
| Merna | $2,192 |
| Merrionette Park | $1,721 |
| Metamora | $1,709 |
| Metcalf | $1,951 |
| Metropolis | $2,264 |
| Mettawa | $1,662 |
| Michael | $2,052 |
| Middletown | $1,883 |
| Midlothian | $1,691 |
| Milan | $1,810 |
| Milford | $1,766 |
| Mill Shoals | $2,280 |
| Millbrook | $2,139 |
| Milledgeville | $1,713 |
| Miller City | $2,389 |
| Millington | $1,639 |
| Millstadt | $2,010 |
| Milmine | $1,860 |
| Mineral | $1,773 |
| Minier | $1,801 |
| Minonk | $1,730 |
| Minooka | $1,694 |
| Mitchell | $2,000 |
| Mode | $2,323 |
| Modesto | $2,042 |
| Modoc | $2,035 |
| Mokena | $1,622 |
| Moline | $1,761 |
| Momence | $1,781 |
| Monee | $1,722 |
| Monmouth | $1,805 |
| Monroe Center | $1,684 |
| Montgomery | $1,569 |
| Monticello | $1,764 |
| Montrose | $1,941 |
| Mooseheart | $1,553 |
| Morris | $1,724 |
| Morrison | $1,674 |
| Morrisonville | $1,977 |
| Morton | $1,696 |
| Morton Grove | $1,571 |
| Mossville | $1,698 |
| Mound City | $2,297 |
| Mounds | $2,414 |
| Mount Auburn | $1,950 |
| Mount Carmel | $2,025 |
| Mount Carroll | $1,721 |
| Mount Erie | $2,243 |
| Mount Morris | $1,623 |
| Mount Olive | $1,958 |
| Mount Prospect | $1,558 |
| Mount Pulaski | $1,859 |
| Mount Sterling | $1,879 |
| Mount Vernon | $2,149 |
| Mount Zion | $1,797 |
| Moweaqua | $1,923 |
| Mozier | $1,989 |
| Muddy | $2,623 |
| Mulberry Grove | $2,119 |
| Mulkeytown | $2,390 |
| Muncie | $2,250 |
| Mundelein | $1,670 |
| Murdock | $2,254 |
| Murphysboro | $2,288 |
| Nachusa | $2,177 |
| Naperville | $1,532 |
| Nashville | $2,100 |
| Nason | $2,596 |
| National Stock Yards | $2,458 |
| Nauvoo | $1,921 |
| Nebo | $2,042 |
| Neoga | $1,876 |
| Neponset | $1,813 |
| New Athens | $1,994 |
| New Baden | $1,948 |
| New Bedford | $1,849 |
| New Berlin | $1,915 |
| New Burnside | $2,356 |
| New Canton | $1,956 |
| New Douglas | $2,079 |
| New Haven | $2,227 |
| New Holland | $1,878 |
| New Lenox | $1,597 |
| New Memphis | $2,353 |
| New Milford | $1,645 |
| New Salem | $2,043 |
| New Windsor | $1,913 |
| Newark | $1,661 |
| Newman | $1,737 |
| Newton | $1,964 |
| Niantic | $1,845 |
| Niles | $1,586 |
| Nilwood | $1,964 |
| Niota | $1,958 |
| Noble | $2,120 |
| Nokomis | $1,963 |
| Nora | $2,202 |
| Normal | $1,603 |
| Norridge | $1,612 |
| Norris | $2,297 |
| Norris City | $2,269 |
| North Aurora | $1,576 |
| North Barrington | $1,652 |
| North Chicago | $1,677 |
| North City | $2,313 |
| North Pekin | $1,740 |
| North Riverside | $1,626 |
| North Utica | $1,713 |
| Northbrook | $1,597 |
| Northfield | $1,599 |
| Northlake | $1,671 |
| O'Fallon | $1,988 |
| Oak Brook | $1,807 |
| Oak Forest | $1,679 |
| Oak Lawn | $1,658 |
| Oak Park | $1,655 |
| Oakbrook Terrace | $1,519 |
| Oakdale | $2,262 |
| Oakford | $1,954 |
| Oakland | $1,762 |
| Oakwood | $1,805 |
| Oakwood Hills | $1,643 |
| Odell | $1,718 |
| Odin | $2,113 |
| Oglesby | $1,664 |
| Ohlman | $2,346 |
| Okawville | $2,079 |
| Olive Branch | $2,710 |
| Olivet | $1,862 |
| Olmsted | $2,353 |
| Olney | $1,987 |
| Olympia Fields | $1,717 |
| Onarga | $1,723 |
| Oneida | $1,844 |
| Opdyke | $2,290 |
| Ophiem | $1,913 |
| Oquawka | $1,888 |
| Orangeville | $1,672 |
| Oraville | $2,638 |
| Oreana | $1,836 |
| Oregon | $1,632 |
| Orient | $2,647 |
| Orion | $1,886 |
| Orland Hills | $1,589 |
| Orland Park | $1,557 |
| Oswego | $1,560 |
| Ottawa | $1,659 |
| Owaneco | $1,979 |
| Palatine | $1,578 |
| Palestine | $1,985 |
| Palmer | $2,003 |
| Palmyra | $2,081 |
| Paloma | $1,961 |
| Palos Heights | $1,614 |
| Palos Hills | $1,630 |
| Palos Park | $1,593 |
| Pana | $1,928 |
| Panama | $2,360 |
| Papineau | $2,194 |
| Paris | $1,878 |
| Park City | $1,700 |
| Park Forest | $1,663 |
| Park Ridge | $1,596 |
| Parkersburg | $2,232 |
| Patoka | $2,155 |
| Patterson | $2,379 |
| Paw Paw | $1,659 |
| Pawnee | $1,902 |
| Paxton | $1,635 |
| Payson | $2,016 |
| Pearl | $2,071 |
| Pearl City | $1,676 |
| Pecatonica | $1,701 |
| Pekin | $1,742 |
| Pembroke Township | $1,866 |
| Penfield | $1,829 |
| Peoria | $1,702 |
| Peoria Heights | $1,655 |
| Peotone | $1,738 |
| Percy | $1,982 |
| Perks | $2,648 |
| Perry | $1,881 |
| Peru | $1,620 |
| Petersburg | $1,915 |
| Philo | $1,688 |
| Phoenix | $1,938 |
| Piasa | $2,139 |
| Pierron | $2,346 |
| Pinckneyville | $2,139 |
| Piper City | $1,667 |
| Pistakee Highlands | $1,638 |
| Pittsburg | $2,341 |
| Pittsfield | $1,924 |
| Plainfield | $1,641 |
| Plainville | $2,006 |
| Plano | $1,602 |
| Plato Center | $2,185 |
| Pleasant Hill | $1,932 |
| Pleasant Plains | $1,918 |
| Plymouth | $1,969 |
| Pocahontas | $2,007 |
| Polo | $1,658 |
| Pomona | $2,441 |
| Pontiac | $1,625 |
| Pontoon Beach | $2,000 |
| Poplar Grove | $1,629 |
| Port Barrington | $1,688 |
| Port Byron | $1,802 |
| Posen | $1,818 |
| Potomac | $1,805 |
| Prairie du Rocher | $2,035 |
| Prairie Grove | $1,631 |
| Preemption | $2,265 |
| Prestbury | $1,587 |
| Preston Heights | $1,735 |
| Princeton | $1,729 |
| Prophetstown | $1,700 |
| Prospect Heights | $1,591 |
| Putnam | $1,785 |
| Quincy | $1,888 |
| Radom | $2,468 |
| Raleigh | $2,409 |
| Rankin | $1,760 |
| Ransom | $1,767 |
| Rantoul | $1,600 |
| Rapids City | $2,266 |
| Raritan | $1,884 |
| Raymond | $2,009 |
| Red Bud | $1,899 |
| Reddick | $1,861 |
| Redmon | $2,313 |
| Renault | $2,283 |
| Reynolds | $1,929 |
| Richmond | $1,674 |
| Richton Park | $1,661 |
| Ridge Farm | $1,863 |
| Rinard | $2,336 |
| Ringwood | $1,683 |
| River Forest | $1,659 |
| River Grove | $1,622 |
| Riverdale | $1,844 |
| Riverside | $1,615 |
| Riverton | $1,846 |
| Riverwoods | $1,702 |
| Robbins | $1,769 |
| Roberts | $1,719 |
| Robinson | $1,907 |
| Roby | $1,977 |
| Rochelle | $1,605 |
| Rochester | $1,852 |
| Rock City | $1,674 |
| Rock Falls | $1,616 |
| Rock Island | $1,757 |
| Rockbridge | $2,076 |
| Rockdale | $1,729 |
| Rockford | $1,633 |
| Rockport | $2,156 |
| Rockton | $1,591 |
| Rockwood | $2,134 |
| Rolling Meadows | $1,581 |
| Rome | $1,710 |
| Romeoville | $1,671 |
| Roodhouse | $2,057 |
| Rosamond | $1,984 |
| Roscoe | $1,635 |
| Roselle | $1,567 |
| Rosemont | $1,647 |
| Roseville | $1,887 |
| Rosewood Heights | $1,972 |
| Rosiclare | $2,362 |
| Rossville | $1,814 |
| Round Lake | $1,668 |
| Round Lake Beach | $1,675 |
| Round Lake Heights | $1,672 |
| Round Lake Park | $1,670 |
| Roxana | $1,947 |
| Royal | $2,158 |
| Royalton | $2,313 |
| Rushville | $1,921 |
| Russell | $2,280 |
| Rutland | $1,711 |
| Sailor Springs | $2,534 |
| Salem | $2,057 |
| San Jose | $1,925 |
| Sandoval | $2,150 |
| Sandwich | $1,589 |
| Sauk Village | $1,790 |
| Savanna | $1,674 |
| Savoy | $1,604 |
| Sawyerville | $1,921 |
| Saybrook | $1,680 |
| Scales Mound | $1,756 |
| Schaumburg | $1,596 |
| Scheller | $2,326 |
| Schiller Park | $1,662 |
| Schram City | $1,944 |
| Sciota | $1,976 |
| Scott Air Force Base | $1,983 |
| Seaton | $1,874 |
| Seatonville | $2,241 |
| Secor | $1,775 |
| Seneca | $1,739 |
| Sesser | $2,321 |
| Seward | $2,166 |
| Seymour | $1,670 |
| Shannon | $1,701 |
| Shawneetown | $2,277 |
| Sheffield | $1,782 |
| Shelbyville | $1,852 |
| Sheldon | $1,739 |
| Sheridan | $1,727 |
| Sherman | $1,775 |
| Sherrard | $1,854 |
| Shiloh | $1,959 |
| Shirland | $2,162 |
| Shirley | $1,750 |
| Shobonier | $2,183 |
| Shorewood | $1,688 |
| Shumway | $1,882 |
| Sibley | $1,701 |
| Sidell | $1,861 |
| Sidney | $1,698 |
| Silvis | $1,738 |
| Sims | $2,324 |
| Skokie | $1,592 |
| Sleepy Hollow | $1,617 |
| Smithboro | $2,041 |
| Smithfield | $1,861 |
| Smithshire | $1,931 |
| Smithton | $1,973 |
| Somonauk | $1,600 |
| Sorento | $1,968 |
| South Barrington | $1,633 |
| South Beloit | $1,597 |
| South Chicago Heights | $1,785 |
| South Elgin | $1,607 |
| South Holland | $1,783 |
| South Jacksonville | $1,849 |
| South Pekin | $1,772 |
| South Roxana | $1,998 |
| South Suburban | $2,246 |
| South Wilmington | $2,257 |
| Southern View | $1,821 |
| Sparland | $1,807 |
| Sparta | $1,949 |
| Speer | $1,783 |
| Spring Grove | $1,654 |
| Spring Valley | $1,689 |
| Springerton | $2,202 |
| Springfield | $1,801 |
| St. Anne | $1,814 |
| St. Augustine | $1,938 |
| St. Charles | $1,536 |
| St. David | $2,311 |
| St. Elmo | $1,876 |
| St. Francisville | $2,105 |
| St. Joseph | $1,631 |
| St. Libory | $2,390 |
| St. Peter | $1,972 |
| Standard | $2,195 |
| Stanford | $1,715 |
| Staunton | $1,948 |
| Ste. Marie | $2,346 |
| Steeleville | $1,955 |
| Steger | $1,748 |
| Sterling | $1,629 |
| Steward | $1,788 |
| Stewardson | $1,883 |
| Stickney | $1,684 |
| Stillman Valley | $1,624 |
| Stockland | $2,189 |
| Stockton | $1,766 |
| Stone Park | $1,660 |
| Stonington | $1,977 |
| Stoy | $2,376 |
| Strasburg | $1,883 |
| Strawn | $1,696 |
| Streamwood | $1,615 |
| Streator | $1,698 |
| Stronghurst | $1,886 |
| Sugar Grove | $1,587 |
| Sullivan | $1,725 |
| Summerfield | $2,375 |
| Summit | $1,633 |
| Summit Argo | $1,638 |
| Sumner | $2,069 |
| Sun River Terrace | $1,810 |
| Sutter | $2,133 |
| Swansea | $1,932 |
| Sycamore | $1,538 |
| Table Grove | $1,906 |
| Tallula | $1,974 |
| Tamaroa | $2,187 |
| Tampico | $1,710 |
| Taylor Ridge | $1,935 |
| Taylor Springs | $2,374 |
| Taylorville | $1,900 |
| Techny | $2,209 |
| Teutopolis | $1,779 |
| Texico | $2,348 |
| Thawville | $1,719 |
| Thayer | $1,875 |
| The Galena Territory | $1,696 |
| Thebes | $2,471 |
| Thomasboro | $1,599 |
| Thompsonville | $2,394 |
| Thomson | $1,717 |
| Thornton | $1,743 |
| Tilden | $2,348 |
| Tilton | $1,762 |
| Timewell | $1,993 |
| Tinley Park | $1,594 |
| Tiskilwa | $1,843 |
| Toledo | $1,996 |
| Tolono | $1,652 |
| Toluca | $1,683 |
| Tonica | $1,754 |
| Topeka | $1,890 |
| Toulon | $1,792 |
| Tovey | $2,344 |
| Tower Hill | $1,934 |
| Tower Lakes | $1,647 |
| Tremont | $1,780 |
| Trenton | $1,951 |
| Trilla | $1,852 |
| Triumph | $2,200 |
| Troy | $1,969 |
| Troy Grove | $2,204 |
| Tuscola | $1,684 |
| Twin Grove | $1,635 |
| Ullin | $2,348 |
| Union | $1,668 |
| Union Hill | $2,247 |
| Unity | $2,664 |
| University Park | $1,758 |
| Urbana | $1,622 |
| Valier | $2,664 |
| Valmeyer | $1,959 |
| Van Orin | $2,242 |
| Vandalia | $1,935 |
| Varna | $1,731 |
| Venetian Village | $1,704 |
| Venice | $2,110 |
| Vermilion | $2,273 |
| Vermont | $1,890 |
| Vernon | $2,322 |
| Vernon Hills | $1,673 |
| Verona | $1,826 |
| Vienna | $2,352 |
| Villa Grove | $1,731 |
| Villa Park | $1,522 |
| Viola | $1,889 |
| Virden | $1,861 |
| Virginia | $1,942 |
| Wadsworth | $1,673 |
| Waggoner | $1,993 |
| Walnut Hill | $2,322 |
| Walsh | $2,093 |
| Walshville | $2,013 |
| Waltonville | $2,343 |
| Wamac | $1,993 |
| Warren | $1,740 |
| Warrensburg | $1,842 |
| Warrenville | $1,571 |
| Warsaw | $1,927 |
| Wasco | $2,146 |
| Washburn | $1,709 |
| Washington | $1,731 |
| Washington Park | $2,339 |
| Wataga | $1,848 |
| Waterloo | $1,926 |
| Waterman | $1,636 |
| Watseka | $1,660 |
| Watson | $1,879 |
| Wauconda | $1,699 |
| Waukegan | $1,681 |
| Waverly | $1,950 |
| Wayne | $1,570 |
| Wayne City | $2,249 |
| Wedron | $2,161 |
| Weldon | $1,866 |
| Wellington | $1,745 |
| Wenona | $1,693 |
| West Brooklyn | $1,742 |
| West Chicago | $1,589 |
| West City | $2,315 |
| West Dundee | $1,623 |
| West Frankfort | $2,283 |
| West Liberty | $1,996 |
| West Peoria | $1,718 |
| West Point | $1,966 |
| West Salem | $2,199 |
| West Union | $2,063 |
| West York | $2,014 |
| Westchester | $1,589 |
| Western Springs | $1,592 |
| Westfield | $2,003 |
| Westmont | $1,536 |
| Westville | $1,770 |
| Wheaton | $1,509 |
| Wheeler | $2,051 |
| Wheeling | $1,590 |
| White Hall | $2,114 |
| White Heath | $1,811 |
| Whittington | $2,288 |
| Williamsfield | $1,825 |
| Williamsville | $1,847 |
| Willisville | $2,500 |
| Willow Springs | $1,596 |
| Willowbrook | $1,568 |
| Wilmette | $1,602 |
| Wilmington | $1,756 |
| Wilsonville | $2,370 |
| Winchester | $1,990 |
| Winfield | $1,524 |
| Winnebago | $1,636 |
| Winnetka | $1,608 |
| Winthrop Harbor | $1,667 |
| Witt | $1,990 |
| Wolf Lake | $2,343 |
| Wonder Lake | $1,652 |
| Wood Dale | $1,562 |
| Wood River | $1,960 |
| Woodhull | $1,870 |
| Woodland | $2,181 |
| Woodlawn | $2,296 |
| Woodridge | $1,575 |
| Woodson | $2,310 |
| Woodstock | $1,657 |
| Woosung | $2,157 |
| Worden | $2,038 |
| Worth | $1,648 |
| Wrights | $2,391 |
| Wyanet | $1,760 |
| Wyoming | $1,764 |
| Yale | $2,004 |
| Yates City | $1,849 |
| Yorkville | $1,614 |
| Zeigler | $2,306 |
| Zion | $1,662 |
Home and auto insurance bundling in Idaho
What's the best way by which you can lower the home insurance cost in Idaho? Then bundle your auto insurance and home insurance policies.
| Average annual rate (without bundling) | Average annual rate (with bundling) | Yearly savings (in $) | Yearly savings (in percent) |
|---|---|---|---|
| $1,185 | $907 | $278 | 23.45% |
Home insurance discounts in Idaho
The simplest approach to lower the cost of homeowners insurance in Idaho is to take advantage of the discounts offered by all the insurers. The state's largest insurers often provide these discounts.
| Insurer | Bundling Discounts | Loyalty Discounts | Military Discounts | New Home Credit Discounts | Claim-Free Discounts | Protective Devices Discounts |
|---|---|---|---|---|---|---|
| Farmers | ✓ | ✓ | - | ✓ | ✓ | ✓ |
| Allstate | ✓ | ✓ | - | ✓ | ✓ | - |
| State Farm | ✓ | - | - | - | ✓ | ✓ |
| USAA | ✓ | ✓ | ✓ | - | ✓ | ✓ |
| Nationwide | ✓ | - | - | ✓ | ✓ | ✓ |
| Liberty Mutual | ✓ | - | - | - | - | - |
| Progressive | ✓ | - | - | ✓ | - | ✓ |
| Amica | ✓ | - | - | ✓ | ✓ | ✓ |
| Chubb | ✓ | - | - | ✓ | ✓ | ✓ |
| American Family | ✓ | ✓ | - | ✓ | - | ✓ |
Comparing common features across top companies
Are you looking to buy the best homeowners insurance in Idaho? Then you must ensure whether your insurer offers these features!
| Insurer | Identity Theft Protection | Valuable Possessions | Water Backup | Other Structures Coverage | Dwelling /Personal Property Replacement |
|---|---|---|---|---|---|
| Farmers | Optional | ✓ | No | Optional | Optional |
| Allstate | Optional | Optional | Optional | ✓ | Optional |
| State Farm | Optional | Optional | Optional | ✓ | Optional |
| USAA | ✓ | Optional | No | ✓ | ✓ |
| Nationwide | Optional | Optional | Optional | ✓ | Optional |
| Liberty Mutual | Optional | Optional | Optional | ✓ | Optional |
| Progressive | No | Optional | Optional | ✓ | ✓ |
| Amica | Optional | Optional | Optional | ✓ | Optional |
| Chubb | Optional | Optional | ✓ | ✓ | ✓ |
| American Family | ✓ | Optional | Optional | ✓ | No |
Common causes of home insurance claims in Idaho
These are some common reasons leading to state home insurance claims.
- Flooding: It's good to check the FEMA's Flood Map Service Center to see whether your home is in a flood-affected region. Talk to your agent about the National Flood Insurance Program if you have any worries about flooding.
- Wildfires: The state has a high risk of wildfires. Most standard home insurance policies provide coverage for fires. Still, if you want to ensure you can rebuild your home after a fire destroys it, you should consider full replacement coverage.
- Storms: Idaho experiences severe winter weather, particularly in the northern regions. In the spring, problems with flooding may result from snow melt, which can result in insurance claims for hail or snow damage to your roof or gutters. In addition, weather-related issues like frozen pipes and roof damage can occur.
Does homeowners insurance cover flooding in Idaho?
The residents require flood insurance. But a standard Idaho homeowners insurance policy doesn't offer flood coverage. So, you can purchase flood insurance via the National Flood Insurance Program (NFIP) of FEMA or a private insurer. The coverage from private flood insurers may differ; however, NFIP flood insurance offers the following coverage.
- Your home's structure - $250,000
- Personal property - $100,000
Factors that affect home insurance rates in Idaho
Are you looking for cheap Idaho home insurance? Then look for these factors before buying one.
- Your location: Idaho home insurance rate depends on factors like ZIP Code or the theft rate in your area.
- Replacement cost: Idaho homeowners insurance premiums will differ depending on the rate of labor and building supplies in your location.
- Age/condition : The insurance rate for newer properties will always be lower than for older ones.
- Claims history: Insurance companies will consider you risky if you file claims regularly. Then you will need to pay higher insurance premiums.
- Credit history: Most insurers will check your credit score when you apply for a home insurance policy. If your credit score is low, you must pay more for Idaho home insurance.
- Dog breed: Most insurers categorize some dog breeds as 'dangerous. The rate of homeowners insurance in Idaho may surge if your insurer considers your dog so.
Tips for buying homeowners insurance
Are you looking for the ideal Idaho home insurance? Then ensure to follow these tips before buying one.
- Assess your rebuilding costs: Consult an insurance agent or a builder to see how much it would cost to replace your house with affordable building materials and local labor.
- Review the advantage of replacement cost over actual cash value: Replacement cost insurance can be necessary for your house and other possessions.
- Consider add-on coverage for your expensive items: If you own expensive possessions like high-end electronics, sporting equipment, musical instruments, or even antique artifacts, personal property will be required.
- Evaluate your liability coverage needs: Estimate the minimum liability insurance limit required.
- Assess coverage gaps: Some insurers offer higher coverage limits for landscaping items like trees and bushes.
- Check financial ratings: Ratings from companies like AM Best and Standard & Poor's may be available for all home insurers. For instance, some companies won't let you apply for a mortgage if your insurer doesn't have a minimum 'A' financial strength rating.
- Check for discounts: Use every discount the insurer offers that you qualify for.
- Compare quotes from various insurance companies: The cost of homeowners insurance in Idaho might vary depending on the insurance company. To get the best home insurance in Idaho, you must compare rates from multiple insurers.
How to get Idaho home insurance with Way.com
The average homeowners insurance cost in Idaho comes to around $1,185 yearly. But you can find a cheaper one if you compare the rates from all the insurers. So, are you looking for even affordable homeowners insurance in Idaho? Then we can help you.
Use our website or app to get insurance quotes from multiple insurers. Then compare the quotes and buy the one with the lowest Idaho homeowners insurance rate. Do you require additional help? Then our home insurance agents in your state can help you. They will explain the state's most complicated homeowners insurance terms, laws, discounts, and coverages. So, contact one of our insurance agents if you want to buy the best Idaho home insurance policy.
Home Insurance Data Methodology
The home insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
FAQs
How much is homeowners insurance in Idaho?
Home insurance in Idaho costs around $1,185 annually.
How much is home insurance in Meridian, Idaho?
Home insurance in Meridian, Idaho, costs nearly $1,286 yearly.
Is hurricane insurance mandatory in Idaho?
Although hurricanes and tornadoes are in Idaho, they do occur occasionally. So, it will be best if you have additional coverage for hurricanes to cover your home from the damage that happens during a hurricane.
How much is flood insurance in Idaho?
Through the NFIP, Idaho policies typically cost around $785 each. The rate may differ based on where you live. Your premiums may change if you include additional factors like your deductible, the house's worth, and its contents.
Do you need earthquake insurance in Idaho?
You still risk losing your home even if you have an Idaho home insurance policy. Your home and belongings might remain secured by a specialized earthquake insurance policy that fills up the coverage gaps.
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