5 Best Boise Homeowners Insurance Companies (2025)
American Family and Travelers are among the best homeowners insurance companies in Boise, Idaho.
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The average cost of homeowners insurance in Boise, Idaho, is $1,608 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. A standard home insurance policy covers many of the most common risks that Boise homeowners could face, including wildfires and windstorms. But if you want coverage for floods and earthquakes, you’ll likely need to purchase other policies.
Here’s what you need to know to get the best home insurance policy for you in Boise.
Quick Facts
Foremost is Insurify’s pick as the best home insurance company in Boise for new homes.
Boise homeowners pay less for home insurance than the average Idaho resident.
Average home insurance rates in Idaho are higher than those in every state that borders it.
Best home insurance companies in Boise
Many reputable home insurance companies insure properties in Boise. The best home insurance company for you will depend on your situation and coverage needs. As you begin your search, here are some of the top insurers in Boise based on coverage options, discounts, price, customer service, and other important factors.
Mutual of Enumclaw: Best for wildfire coverage
Mutual of Enumclaw’s Wildfire Program provides free fire-mitigation services for homeowners through its partnership with Wildfire Defense Systems. WDS can provide services that local fire departments typically don’t offer, including the use of special tools to protect your property during an active wildfire, like fire-blocking gel.
Pros
Specialized wildfire-mitigation services
Fewer complaints than expected from the National Association of Insurance Commissioners (NAIC)
Cheaper-than-average home insurance premiums
Cons
Must work with agent to get quote
Must bundle home and auto to get best coverage perks
Mobile app doesn’t have great reviews
Travelers: Best for sustainable homes
Foremost: Best for new homes
American Family: Best for flood coverage
Nationwide: Best for customizable coverage
Our editorial team analyzed regional and national home insurance companies that sell policies in Boise to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
How much is home insurance in Boise?
The average cost of home insurance in Boise is $1,608 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Your actual home insurance costs will depend on a variety of factors, including:
Size and age of your home
Proximity to a fire station
Coverage limits
Coverage types and endorsements
Deductibles
Boise homeowners pay slightly less for home insurance than the average Idaho resident. The statewide average homeowners insurance premium in Idaho is $1,668 per year.
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Cheapest home insurance companies in Boise
Home insurance rates vary based on how different insurers rate your unique circumstances. In the table below, you can see some of the cheapest home insurance companies in Boise and their average annual premiums for several different dwelling coverage amounts.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company  | Average Annual Premium |
|---|---|
| American Family | $624 |
| Oregon Mutual | $636 |
| Mutual Of Enumclaw | $792 |
| American National | $924 |
| Travelers | $936 |
| Grange | $948 |
| State Farm | $1,056 |
| Farmers | $1,176 |
| Nationwide | $1,224 |
| Allstate | $1,260 |
| USAA | $1,332 |
| Foremost | $1,392 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| American Family | $1,356 |
| Mutual Of Enumclaw | $1,464 |
| Oregon Mutual | $1,476 |
| State Farm | $1,812 |
| American National | $1,848 |
| Grange | $2,136 |
| Travelers | $2,244 |
| USAA | $2,364 |
| Allstate | $2,508 |
| Nationwide | $2,736 |
| Farmers | $3,096 |
| Foremost | $3,360 |
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
Insurance Company | Average Annual Premium |
|---|---|
| Mutual Of Enumclaw | $1,968 |
| American Family | $2,016 |
| Oregon Mutual | $2,328 |
| State Farm | $2,376 |
| American National | $2,772 |
| USAA | $3,072 |
| Allstate | $3,168 |
| Grange | $3,240 |
| Travelers | $3,312 |
| Nationwide | $4,032 |
| Farmers | $4,728 |
| Foremost | $5,208 |
How much homeowners insurance do you need in Boise?
The amount of homeowners insurance you need in Boise depends on your individual situation. As you analyze your needs, keep the following coverage types in mind:[?]
What to know about home insurance in Boise
Homeowners in Boise face unique risks, including natural disasters that could damage or destroy property. Here are some things to know about home insurance in Boise and how they might affect your home insurance coverage needs:
High property values: Boise has very high property values, which often raise the cost of home insurance. In September 2025, the typical home value in Boise was $490,432.[?] To compare, the average home value in the U.S. is $363,932.
Flooding: The Boise River is prone to flooding, which could potentially affect homes in the area. Standard home insurance policies don’t cover flooding. If you want to insure your home against floods, you can purchase a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private insurer.
Earthquakes: Idaho has several active fault lines that could produce an earthquake with a magnitude of 7.0 or higher, according to experts. Because home insurance doesn’t cover earthquakes, many Boise homeowners can benefit from getting earthquake insurance. You can purchase earthquake insurance as a separate policy or get it as an endorsement on your homeowners policy.
Wildfires: Wildfires are a major threat to homes in Boise. In 2024, more than 100,000 acres burned in southwest Idaho.[?] Home insurance covers wildfire damage, but it’s important to choose a dwelling and personal property policy limit that would cover the cost of rebuilding your home and replacing all your possessions after a fire.
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Average cost of home insurance in other cities in Idaho
Home insurance premiums differ based on several factors, including the city and even different ZIP codes within a city.
For example, you might pay more for home insurance in an urban area like Boise than in a less populated city like Kuna. Premiums can also depend on the weather risks, availability of fire services, and the number of property theft claims in a specific city or neighborhood.
The table below shows the average cost of home insurance in different Idaho cities.
The below rates are estimated rates current as of: Monday, October 6 at 5:00 PM PDT.
City | Average Annual Premium |
|---|---|
| Boise City | $1,608 |
Boise homeowners insurance FAQs
If you own a home in Boise, having homeowners insurance is valuable. It might even be a requirement if you have a mortgage. Here’s some additional information that can be helpful as you shop for home insurance.
The average home insurance premium in Boise is $1,608 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible, according to Insurify data. If you add supplemental policies, like flood insurance or earthquake insurance, it’ll raise your overall insurance costs.
American Family is the cheapest homeowners insurance company in Boise, based on Insurify’s rate data. The average home insurance premium from American Family is around $71 per month.
Some of the top home insurance companies in Boise are American Family, Travelers, and Mutual of Enumclaw. But the best home insurance company for you will depend on factors like your coverage needs, claims history, and budget.
The 80% rule in home insurance states that you should insure your dwelling for at least 80% of its replacement cost. If your home is insured for less than 80%, your insurance company may not cover the full cost of a claim.
Yes. The age of your home can affect your home insurance premium. In general, older homes are often more expensive to insure than newer homes.
The average cost of home insurance in Idaho for a home with $400,000 in dwelling insurance is $185 per month. But premiums can vary based on factors like the size of your home, the coverage types you select, and your insurance company.
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