Idaho Homeowners Insurance Quotes

Idaho home insurance coverage and rates information.

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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
Sep 2011Aug 2011Jul 2011Jun 2011May 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

Coverage
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.

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Customer Reviews in Idaho

The top 3 customer reviews on HomeInsurance.com service and savings in Idaho.
5 Star Rating
Savings: $230/year
Customer: Todd M.
Date: Jan 13, 2012
The process was remarkably easy and my agent was knowledgeable, friendly and took great care of me above and beyond.
Star, ID
4 Star Rating
Savings: $700/year
Customer: Sylvia W.
Date: Mar 05, 2010
I only wish I had done this sooner!
Pocatello, ID
4 Star Rating
Savings: $155/year
Customer: Matt M.
Date: Aug 11, 2009
The process was easy, thank you.
Boise, ID

For additional information about specific insurance laws in Idaho, visit the Idaho Department of Insurance website.

Customer Care