Best Idaho Homeowners Insurance Quotes (2025)

American Family offers some of the cheapest homeowners insurance policies in Idaho, with monthly premiums starting at $82.

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Idaho residents pay an average of $1,690 per year for a home insurance policy with a $1,000 deductible and $300,000 in dwelling coverage, according to Insurify data. This is lower than the national average of $2,520 per year for the same coverage.

If you shop around, you can find a great deal on home insurance in the Gem State. Since Idaho ranks fifth in the country for earthquakes, you may want to invest in earthquake insurance in addition to standard coverage.1 Here’s what you need to know about comparing homeowners insurance quotes and finding coverage in Idaho.

Quick Facts

  • American National, American Family, and Mutual of Enumclaw offer the cheapest home insurance coverage in Idaho.

  • As you shop for a homeowners insurance policy in Idaho, consider the risk of earthquakes, floods, and storms.

  • Homeowners in Boise and Caldwell enjoy the cheapest premiums in the state.

Best home insurance companies in Idaho

Idaho homeowners have many choices when it comes to home insurance policies. To determine the best policy for your unique situation, zero in on your budget, coverage preferences, and risk tolerance. Below are four of the best homeowners insurance companies to help you start your search.

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    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

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    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
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    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Cheapest rates: American National

Best insurer for new homes: American Family

Best insurer for earthquake protection: Nationwide

Best insurer for green homes: Travelers

Cheapest home insurance in Idaho

If you’re looking for the cheapest home insurance quotes in Idaho, American Family is a good option because its average cost is $82 per month for $300,000 in dwelling coverage.

Here’s where you can find the most affordable homeowners insurance coverage in the Gem State.

Cost of homeowners insurance in Idaho

Average home insurance premiums in Idaho are $1,668 per year.

Your rates will depend on various factors, such as your ZIP code, the age and size of your home, your deductible, your previous home insurance claims, and the cost of materials and construction.2

Cost of homeowners insurance by dwelling coverage amount

If you own a home in Idaho, you should ensure you have sufficient dwelling coverage to rebuild your property if a coverage loss damages it. Your home’s age, number of stories, square footage, and architectural style all influence the ideal amount of dwelling coverage.

A higher coverage level will lead to more expensive home insurance costs. This table shows how different dwelling coverage levels in Idaho can affect your annual home insurance premiums. Rates shown are for coverage with a $1,000 deductible.

Cost of homeowners insurance by deductible

A home insurance deductible is your out-of-pocket cost for a covered claim before your home insurance kicks in and covers the rest. If you choose a higher deductible, you’ll pay lower rates. But make sure you have the savings or funds to pay higher out-of-pocket costs if you need to file a claim.

Here’s a look at how your deductible amount can affect your annual home insurance costs in Idaho. Rates shown are for a policy with $300,000 in dwelling coverage.

How to get cheap homeowners insurance in Idaho

Follow these tips to land affordable home insurance in the Gem State:3

  • Look for discounts. Most homeowners insurance companies offer discounts to property owners in Idaho. Some of the most common discounts include a loyalty discount, safety alarm discount, and green home discount.

  • Bundle. If you have another insurance policy, like auto insurance, bundle it with your home insurance. You may score a good deal if you buy more than one policy from the same insurer.

  • Make your home safer. Some homeowners insurance companies offer discounts to policyholders who add safety features, such as deadbolt locks, burglar alarms, and smoke detectors, to their properties. It may make sense to invest in them for more competitive rates.

  • Change your coverage. Your Idaho home insurance policy isn’t set in stone. It’s a good idea to review it frequently and remove any add-ons or home insurance coverage options you no longer want or need.

  • Shop around. Home insurance policies vary greatly by insurance company. Do your research and compare rates, deductibles, add-ons, customer service, financial stability ratings, and other factors to find the best policy for your particular needs.

How much homeowners insurance do you need in Idaho?

The state of Idaho doesn’t require home insurance to protect your property and personal belongings. But if you have a mortgage on your home, your mortgage lender or company will require you to have it.

Before you agree to homeowners insurance coverage in Idaho, read the policy terms carefully so you understand what your policy covers. Otherwise, you may face unwanted expenses down the road.

Talking with an insurance agent can help you determine the exact coverage levels you need, but you should insure your home for at least 80% of its replacement cost so that you’re protected financially.

What are some of the biggest risks when owning a home in Idaho?

As an Idaho homeowner, you should prepare yourself for a few natural disasters that may affect your home, including:

Idaho homeowners insurance FAQs

If you’re shopping for home insurance coverage in Idaho, this additional information may help as you research your coverage options.

  • How much is home insurance in Idaho?

    Home insurance in Idaho costs an average of $1,690 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, Insurify data shows. But your rates will vary depending on many factors, including your ZIP code, the age of your home, the size of your home, and the coverage levels you choose.

  • Which company has the cheapest homeowners insurance in Idaho?

    American Family has the cheapest homeowners insurance in Idaho, with monthly premiums of $82.

  • Does Idaho require homeowners insurance?

    No. Idaho doesn’t require homeowners insurance, but your lender will require it if you have a mortgage on your home. Even if you don’t have a mortgage, you should carry home insurance to protect your home if something damages or destroys it and you have to make extensive repairs or rebuild. Without home insurance, you’d be on the hook financially for all the repair costs.

  • Does Idaho have FAIR Plan insurance?

    No. Idaho doesn’t have FAIR Plan insurance. Available in 30 states and Washington, D.C., a Fair Access to Insurance Requirements, or FAIR, Plan is a state-managed program that provides coverage to homeowners who might not qualify for a standard policy.

Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Anna has been a contributor at Insurify since December 2022.

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