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Call Us Now: The days of shopping for Idaho home insurance with multiple agents are over. Compare multiple quotes with our licensed homeowners insurance experts and find the best premium and the most comprehensive coverage available in Idaho. Our top carriers are rated A+ with A.M. Best so you can rest assured knowing your home is protected by a leading company.
The average Idaho home insurance rate in September 2011 was $405.00. It appears that rates have increased since August 2011 when average rates in Idaho were around $395.00. These premiums reflect the annual cost of a standard home policy and do not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In Idaho |
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| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $405.00 | $395.00 | $390.00 | $382.00 | $369.00 |
There are a lot of discounts for Idaho homeowners that can help you save on your home insurance premium. Customers often report the biggest savings from home-auto discounts which save them, on average, 15-25% on their Idaho home insurance policy. Other discounts include security alarm and claims free discounts. The Insurance Information Institute also recommends reviewing your policy regularly to make sure your home is always adequately covered. It's also a good idea to ask a licensed agent to review your policy to make sure you aren't missing anything.
Standard Idaho Home Insurance Coverages
| A | Dwelling: A standard Idaho homeowners insurance policy should include enough dwelling coverage to pay for the replacement or repair of your home when and if it is damaged in a covered peril |
| B | Other Structures: Other structures such as detached garages or sheds would also be covered under a standard Idaho home insurance policy |
| C | Contents/Personal Property: A Idaho home insurance policy will also typically provide coverage for the contents of your home including furniture, electronics, clothing and other personal belongings. |
| D | Loss of Use: If your Idaho home is damaged in a covered peril, ‘Loss of Use’ coverage pays for alternative accommodations and living expenses while you are unable to live in your home. |
| E | Personal Liability Protection: In Idaho, your standard homeowners insurance policy will typically provide financial protection in the event of a lawsuit where you have caused damage or bodily harm to another person or their personal property. |
| F | Medical Payments: Medical Payments coverage, or Idaho MedPay, offers reimbursement for medical bills if someone other than you or a family member is injured on your property and a lawsuit is not involved. |
Idaho Homeowners Insurance News
- Louisiana homeowners insurance rate hikes slowingTuesday, January 17, 2012
- Report finds Texas residents paying highest home insurance rates in U.S.Wednesday, November 17, 2010
- Effects of Idaho fire catastrophe could have been softened with insuranceFriday, July 30, 2010
Other Idaho Homeowners Resources:
- Home Insurance Quiz- How much do you know about your Idaho home insurance policy? Quiz yourself!
- Homeowners Insurance Calculator- How much Dwelling Coverage do you need? See average dwelling costs in Idaho
- Idaho Home Inventory Checklist- Download and Print our home inventory checklist for free.
Search for home insurance in your Idaho county:
Customer Reviews in Idaho
For additional information about specific insurance laws in Idaho, visit the Idaho Department of Insurance website.
