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Idaho Home Insurance - What's Happening

The Gem State sparkles when it comes to home insurance. During the second quarter of 2014, Idaho homeowners paid an average of $495 in Idaho – about 40% less than the national average for the quarter. The only state with a lower average was neighboring Oregon.

What's that mean for you? Even if you pay low premiums for Idaho homeowners insurance, you probably want to pay less, or get better coverage.

Call today or fill in your information above to get started with a free quote. If you're a homeowner, you know the peace of mind that comes with protecting your largest investment. There's no time like the present to begin!

Curious about car insurance? Click here to learn more about auto insurance in Idaho.

Idaho Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


Home Grade

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Property Grade

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Bonus Grade

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Overall Grade

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Home (Grades related to the house itself)

Idaho and North Carolina lead the nation in youngest average age of homes (1995). Newer homes can be easier to insure – they typically have fewer fire risks, among other advantages.


Average year built

Newer homes are also less likely to need upgrades to meet building codes. Another plus, they also tend to be more energy efficient.


Average home size

Only Kentucky and Iowa average fewer square feet than Idaho. Because this is a key factor in determining replacement cost, the lower number is an advantage.


Average replacement cost

Iowa's the only state with a lower cost of replacement. Idaho's average is $70,000 less than the rest of the country ($278,576).


% of homes with sump pump

Idaho homes have this anti-flooding feature at about half the rate as the nation (15%).

Property (Factors related to the property and location)

Excellent scores aren't limited to the physical structures of homes in Idaho. Home insurance premiums also pertain to detached garages, fences, and sheds. These items in Idaho average $19,545. That’s $6,620 below national averages.

Swimming pools and storage of all-terrain vehicles and snowmobiles can also drive up your premium cost because they reflect greater risks. Idaho rated A+ on both factors.

Bonus (Other factors that influence your home insurance premiums)


% of homes with fire extinguishers

Fire extinguishers can help stop small blazes from becoming big claims – insurers pay an average of more than $33,000 for fire damage. Extinguishers are in 94% of Idaho homes, just above the national average.


% of homes with dead bolt locks on exterior doors

If all your exterior doors have them, you've bolstered your home against break-ins, another costly claim. In Idaho, 100% of homeowners who bought coverage through reported having deadbolt locks.


% of homes with smoke detectors

Especially for nighttime fires, this safety measure is a must-have for all homes. All Idaho homes in our survey had them.


% of homes with security alarms

Idaho checks in with 2% of homes armed with security systems. That's a far cry from the national average of nearly 20%.

Overall Grade - A+ (A diamond in the rough)

There's so much to say about great conditions for home insurance in Idaho. Home insurance rates are set by the state. But Idahoans enjoy advantages that help keep premiums down. For instance, homes in Idaho are on average 15 years newer than the rest of the nation.

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