Best homeowners insurance in Idaho for 2022

Laura Gunn

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Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

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Idaho is known as the supplier of the country's potatoes, but homeowners here know it as a state occasionally plagued by wildfires and floods. Residents of Idaho will want to make sure their homes are protected by a strong homeowners insurance policy. 

The average cost of homeowners insurance in Idaho is $1,363 per year or $114 a month. That's almost 30% lower than the national average of $1,899 per year.

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But there are other factors you should consider when choosing an insurer. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Idaho.  

Best homeowners insurance companies in Idaho

Of the companies we looked at, USAA has the lowest home insurance rates, at just $1,149 per year — over $200 cheaper than the state average. 

Policygenius analyzed thousands of quotes from the 5 largest Idaho insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of [State] residents to find the best homeowners insurance in Idaho.

Company

Average yearly cost

J.D. Power Rating

State Farm

$2,350

835

Farmers

$1,232

813

Farm Bureau Insurance of Idaho

$2,772

--

USAA

$1,149

882

Allstate

$2,228

829

State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm is one of the top insurance providers in the country, and it's well earned. It consistently produces some of the highest customer satisfaction ratings, and it has great coverage options to match. How to get a quote

Online through State Farm

Farmers

Farmers logo

Farmers is one of the largest and most reputable home insurance providers in the industry, offering special discounts for teachers, nurses, first responders, and non-smokers — plus the option to rebuild your home with green materials after a claim.

Pros

  • Several discounts and unique ways to save, including claim forgiveness and declining deductibles

  • 3 flexible coverage packages with varying levels of protection for most coverage and budget needs

  • Offers extended and guaranteed replacement cost coverage options

  • File claims online, via text, on its mobile app, or by calling its claims center

Cons

  • Rates are typically more expensive

  • Below-average customer satisfaction ratings

  • No repair network to help you find a certified contractor or repair professional after filing a claim

Why Farmers tops our best list

Farmers offers flexible coverage options for every type of coverage and budget need in Idaho, with three different insurance packages that can be personalized to suit your needs. It also offers extended and guaranteed replacement cost coverages, so you know you'll be fully protected in the event of expensive wildfire damage. 

How to get a quote

 Online through Farmers 

Farm Bureau Insurance of Idaho

Farm Bureau Insurance of Idaho logo

Farm Bureau Insurance of Idaho offers solid coverage options, a slew of insurance products, a one-deductible perk for bundling your home and auto policies together, and exceptional customer service.

Pros

  • Also offers auto, life, crop, and farm insurance — letting you keep all of your policies under one roof

  • High-quality coverage add-ons, including extended replacement cost, equipment breakdown coverage, and NFIP flood insurance

  • Score discounts for having a new home or roof, installing safety devices, and being a loyal customer

  • Pay just one deductible if your home and car are damaged in the same incident and you bundle your policies

  • Industry-best customer service ratings and few customer complaints

  • File claims online — with 24/7 customer support

Cons

  • Farm Bureau membership required for coverage

  • Fewer discounts than other insurers

Why Farm Bureau Insurance of Idaho tops our best list

Farm Bureau Insurance of Idaho does require a membership for coverage, but its customer service and coverage options make it all worth it, including extended replacement cost dwelling coverage and NFIP flood insurance — a necessity for many Idaho residents. 

How to get a quote

Online through Farm Bureau Insurance of Idaho

USAA

USAA logo

USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.

Pros

  • Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

  • Base policy includes coverages that cost extra with most other companies

  • Offers earthquake coverage — which is hard to come by

  • Get discounted home security systems and a discount on premiums through its partnership with ADT

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended or guaranteed replacement cost dwelling coverage

Why USAA tops our best list

If you're a military service member or you have a family member who is, then USAA is likely the best bet for home insurance. USAA's base home insurance policy includes coverage options that most providers charge extra for, meaning you are fully protected with less fuss.

How to get a quote

Online through USAA

Allstate

Allstate logo

Allstate's mix of exceptional customer satisfaction ratings, personalized coverage options, and numerous discount opportunities make it one of the most popular homeowners insurance companies on the market.

Pros

  • Several coverage add-ons, including ones for roof surfaces, water backup, green improvements, and mold protection

  • 8+ discounts, including autopay, bundling, zero claims, and new homebuyer

  • Get up to 25% off your premiums when you bundle home and auto insurance

  • Excellent customer service and claims satisfaction ratings

  • File and track claims online or through its mobile app

Cons

  • Rates are typically high compared to competitors

Why Allstate tops our best list

Allstate may have higher home insurance rates compared to some of its competitors in Idaho, but it offers plenty of ways for homeowners to save a few dollars with its generous bundling and discount options. Additionally, Allstate offers great coverage add-ons like roof improvements and mold protection. Idaho homes are at risk of roof damage and potential mold from all the wet weather, making Allstate a great option for homeowners. 

How to get a quote

Online through Policygenius or Allstate

Cheapest homeowners insurance companies by city in Idaho

Looking at average home insurance costs for the 15 most popular insurers in Idaho, we found that the cheapest homeowners insurance companies in the state is American Family. The vast majority of cities in Idaho can find rates under $1,000 with American Family.

The cost of home insurance in Idaho depends on a lot of different factors, including your home's age, size, and characteristics; the amount of coverage in your policy; and most of all, where you live. But no matter where you live in Idaho, you can find affordable home insurance, as shown in the table below. 

City

Company

Average yearly cost

Aberdeen

American Family

$851

Ahsahka

American Family

$969

Albion

American Family

$853

Almo

American Family

$853

American Falls

American Family

$862

Ammon

American Family

$794

Arbon

American Family

$852

Arco

American Family

$898

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Shopping for homeowners insurance in Idaho

To find the right homeowners insurance in Idaho, you’ll want to familiarize yourself with how each coverage works and how much of each you need. If you’re an Idaho resident and you live in a wildfire-prone area, you'll want to make sure you have enough dwelling coverage to cover rebuild costs in the event of a catastrophic wildfire. 

In this section, we break down the average annual home insurance rates in Idaho] for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies in the state for individuals with a poor credit score, dog owners, and pool owners. Once you’re ready to shop, a Policygenius expert can help you navigate your coverage needs and help you find the best deal on homeowners insurance in Idaho.

Idaho home insurance costs by coverage amounts

Your dwelling coverage is the part of your home insurance policy that covers the physical structure of your home and anything attached to it. As shown in the table below, more dwelling coverage usually means higher home insurance rates.

Dwelling coverage amount

Average yearly cost

$100,000

$655

$200,000

$1,018

$300,000

$1,363

$400,000

$1,734

$500,000

$2,130

Personal liability coverage is the portion of your home insurance policy that pays for medical, legal, or repair bills in the event you’re legally responsible for someone’s injury or property damage. 

Liability coverage amount

Average yearly cost

$100,000

$1,224

$200,000

$1,156

$300,000

$1,235

$400,000

$917

$500,000

$1,299

Home insurance discounts in Idaho

Some insurance companies offer discounts to homeowners if their homes have certain security features like deadbolt locks, smoke detectors, and home security systems. Although there isn’t a large discount for homeowners in Idaho for these features, having them added to your home can help protect you and your family.

Discount

Average yearly cost

Dead bolt

$1,358

Smoke alarm

$1,358

Burglar alarm

$1,330

Home insurance companies in Idaho for dog owners

Pet ownership provides many opportunities for bonding and spending quality time together. It can also affect how much you pay for your home insurance. Some companies charge higher rates for certain aggressive breeds and could even deny your application for home coverage if you own one.

With an average rate of $1,149 per year, USAA has the cheapest home insurance rates in Idaho for a home with a dangerous dog breed, while Farm Bureau Insurance of Idaho’s average yearly premium of $2,772 is the highest. 

Company

Average yearly cost

USAA

$1,149

Farmers

$1,232

Allstate

$2,228

State Farm

$2,350

Farm Bureau Insurance of Idaho

$2,772

Home insurance companies in Idaho for poor credit

Idaho homeowners with low credit scores can also see higher premiums. Low credit scores are perceived as precursors for filing more claims.

The good news is not all companies see it this way, as some companies put less weight on credit scores when determining a customer's rates.

With an average rate of $1,793 per year, Farmers has the cheapest home insurance rates in Idaho for a homeowner with poor credit, while Farm Bureau Insurance of Idaho’s average yearly premium of $4,184 is the highest. 

Company

Average yearly cost

Farmers

$1,793

USAA

$2,196

Allstate

$2,781

State Farm

$3,538

Farm Bureau Insurance of Idaho

$4,184

Home insurance companies in Idaho for pool owners

Backyard swimming pools are attractive to homeowners, but they raise some red flags for home insurance providers. Pools can lead to an increase in liability claims, so you could see a rise in home insurance rates if you have one.

With an average rate of $1,149 per year, USAA has the cheapest home insurance rates for Idaho  homes that have a swimming pool, while Farm Bureau Insurance of Idaho’s average yearly premium of $2,772 is the most expensive.

Company

Average yearly cost

USAA

$1,149

Farmers

$1,232

Allstate

$2,228

State Farm

$2,350

Farm Bureau Insurance of Idaho

$2,772

How to buy homeowners insurance in Idaho

Idaho homeowners know the risks of wildfire and flood damage. That's why it's extra important to compare policies from multiple companies to make sure you’re getting the best coverage at the fairest price. 

Here are a few steps to follow as you shop for homeowners insurance in Idaho: 

  1. Reach out to a licensed Policygenius agent. Our team of licensed insurance experts are available to help you figure out how much coverage you need and what company offers it at the best price.

  2. Consider purchasing flood insurance. Did you know flooding isn't covered in standard home insurance policies? Some Idaho homeowners are at risk of damage from flooding, so it's important to purchase a separate flood insurance if your house is at risk. A Policygenius agent can help you do this, too.

  3. Figure out how low of a deductible you can afford. You are responsible for paying a deductible every time you file a claim, so you’ll want to figure out how much you’ll be able to afford to pay out of pocket in the event of a loss.

  4. Compare quotes from a Policygenius agent. Once you’ve nailed down your coverage needs and input a few details about your home, a Policygenius agent will walk you through quotes from a few different companies to help you find the best home insurance policy for your house.

  5. Sign the policy and pay your first premium. After you’ve picked out a policy, all that's left to do is sign and pay your first premium. Your Policygenius agent will take care of the rest.

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Frequently asked questions

What is the average cost of homeowners insurance in Idaho?

The average cost of homeowners insurance in Idaho is $114 per month or $1,363 per year.

Is home insurance required in Idaho?

There are no state laws that require home insurance, but most mortgage lenders require you to purchase coverage before they’ll extend you a home loan.

How do I lower my home insurance premiums?

There are a number of ways to lower your insurance costs. You can shop around, find some comparison options and see if you can lower your premiums. You can opt into a higher deductible, as long as you can afford that increased cost out of pocket. It's always a good idea to do a little research and take advantage of different discounts offered by your insurance provider.

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.