A well-made home is a great investment, and one of the best ways to protect that investment is by purchasing the right homeowners insurance policy.
American family tops the list of best homeowners insurance companies in Idaho with an overall score of 5. It has earned 831 scores out of 1000 from J.D. Power and A.M. Best rated it 'A'.
Whereas Nationwide is the cheapest homeowners insurance company in Idaho, its average rate is $561 a year.
With all these different options, it's no wonder that many people are left feeling confused. But don't worry, we have got you covered. In this guide, you will find everything you need to know about homeowners insurance in Idaho. Along with the best home insurance companies, you will also find a list of the least and most expensive ZIP codes. All this information will help you make an informed decision when buying insurance for your home.
- American family tops the list of best homeowners insurance companies in Idaho
- The average cost of homeowners insurance in Idaho is $1,842 a year, or $154 a month.
- Nationwide, Farm Bureau and Safeco are the top three cheapest homeowners insurance companies in Idaho
- Best home insurance companies in Idaho
- Compare best homeowners insurance companies in Idaho
- Average cost of homeowners insurance in Idaho
- 10 Most expensive zip codes in Idaho for homeowners insurance
- 10 Least expensive zip codes in Idaho for homeowners insurance
- Cheap homeowners insurance in Idaho
- Home and auto bundle discounts in Idaho
Best home insurance companies in Idaho
If you're looking for the best homeowners insurance company in Idaho, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in Idaho:
- American Family
- Safeco
- Hartford
- Allstate
- Nationwide
Compare best homeowners insurance companies in Idaho
There are many home insurance companies in Idaho, but not all of them offer the same benefits. We have compared rates from top insurance providers and selected the best companies for you, based on Insurance.com's analysis. These leading insurers offer competitive prices and provide excellent customer service, you can also find their J.D Power scores and A.M Best ratings in the table below.
| Company | Overall rating | J.D. Power score | AM Best rating |
|---|---|---|---|
| American Family | 5 | 831 | A |
| Safeco | 4 | 810 | A |
| Hartford | 4 | 798 | A+ |
| Allstate | 3 | 829 | A+ |
| Nationwide | 3 | 812 | A+ |
Average cost of homeowners insurance in Idaho
The average cost of homeowners insurance in Idaho is $1,842 a year, or $154 a month. Many factors go into determining the home insurance rates in Idaho. ZIP code, home's size and construction, and the amount of coverage you need are some of the factors that an insurance company considers when calculating your insurance premium.
| Average annual premium | Average monthly premium |
|---|---|
| $1,842 | $154 |
10 Most expensive zip codes in Idaho for homeowners insurance
Factors like your home's value, local crime rate, and weather risks such as floods affect your home insurance rates. If you live in an area with high crime rates or your area is at risk of severe weather conditions, then your insurance rates may be high.
For instance, the most expensive ZIP code for homeowners insurance in Idaho is 83840; its average insurance rate is $1,541 annually.
We have compared rates from major insurance providers across all the ZIP codes and put together a list of the 10 most expensive ZIP codes for homeowners insurance in Idaho.
| ZIP code | Average annual rate |
|---|---|
| 83840 | $1,541 |
| 83635 | $1,538 |
| 83531 | $1,510 |
| 83438 | $1,497 |
| 83671 | $1,494 |
| 83549 | $1,492 |
| 83654 | $1,489 |
| 83542 | $1,485 |
| 83865 | $1,484 |
| 83464 | $1,483 |
10 Least expensive zip codes in Idaho for homeowners insurance
The least expensive ZIP code for home insurance in Idaho is 83704; its average insurance rate is $1,155--- that's $687 less than the state average.
Below are the ten least expensive ZIP codes in Idaho for homeowners insurance, based on Insurance.com's rate analysis.
| ZIP code | Average annual rate |
|---|---|
| 83704 | $1,155 |
| 83705 | $1,161 |
| 83706 | $1,163 |
| 83703 | $1,190 |
| 83713 | $1,193 |
| 83709 | $1,195 |
| 83646 | $1,202 |
| 83714 | $1,208 |
| 83708 | $1,209 |
| 83642 | $1,211 |
Cheap homeowners insurance in Idaho
Nationwide, Farm Bureau and Safeco are the top three cheapest homeowners insurance companies in Idaho. This data is collected from major insurers for nearly every ZIP code in the state and averaged by coverage level and company.
The first thing to know about home insurance is that it's different for every homeowner. Your home insurance premium depends on factors like construction materials used in your house, its age and location, etc. Therefore, it's important to compare rates from different insurers before making a decision.
Based on Insurance.com's rate analysis, these are some of the cheapest homeowners insurance companies in Idaho.
| Company name | Average annual premium |
|---|---|
| Nationwide | $561 |
| Farm Bureau | $783 |
| Safeco | $974 |
| American Family | $1,178 |
| Allstate | $1,328 |
| Foremost | $1,703 |
| USAA | $1,761 |
| Farmers | $1,893 |
| Garrison | $2,056 |
| Travelers | $2,109 |
| State Farm | $2,896 |
| First Liberty | $3,090 |
| Liberty | $3,090 |
Home and auto bundle discounts in Idaho
One of the best ways to save on your homeowners insurance cost is by bundling home-auto policies. If you purchase your auto and home insurance policies from the same company, you can save an average of $314 a year or 19%, based on a rate analysis by Insurance.com.
Know how major carriers in Idaho compare when it comes to home-auto bundle discount savings in the table below.
| Company | $ Bundle average saving | % Bundle average saving |
|---|---|---|
| State Farm | $848 | 35% |
| Allstate | $460 | 35% |
| Metropolitan | $369 | 22% |
| Travelers | $344 | 16% |
| Farmers | $333 | 22% |
| USAA | $263 | 14% |
| Nationwide | $260 | 21% |
| American Family | $211 | 14% |
| Mutual Of Enumclaw | $186 | 16% |
| Farm Bureau | $95 | 13% |
| Foremost Insurance | $86 | 4% |
