Finding the right home insurance policy involves a good deal of quote comparison and study of coverage details. For Idahoans, we took the extra step of collecting hundreds of quotes and evaluating the state's biggest insurance companies to find out where homeowners can get the best balance of value and quality.
Compare Home Insurance Quotes from Providers in Idaho
In Idaho, the best price we found for a homeowners insurance policy with standard levels of coverage was $455. Home insurance rates in Idaho can vary significantly, but price alone isn't enough to identify the best provider for your property. Find out who we think offers the best overall coverage for homeowners in the Gem State.
Best homeowners insurance for most people: MetLife
MetLife offers the best homeowners insurance for most people in Idaho. The mean price of coverage from this insurer is $604, which is about $300 cheaper than the state's average. This company's affordable annual premiums allow its customers to capitalize on MetLife's other offerings.
The most attractive endorsement MetLife offers is the ability to add guaranteed replacement cost protection to your property and dwelling coverage. This means that if your home or things were destroyed, they would be replaced without consideration for depreciation, even if the price exceeded your policy's normal limits. You may also add extra water damage and sewer backup protections, as well as identity theft coverage.
MetLife doesn't offer many discounts, but you could save money on your premium if you:
- Bundle your homeowners insurance with another policy
- Install a sprinkler system or fire alarm
- Invest in your home's security with burglar alarms or deadbolts
- Work somewhere that qualifies for a discount (this is up to your local office's discretion)
MetLife's downside is its lack of a modern online experience. You can't get a quote or file a claim without speaking to an agent or by submitting a form and waiting for someone to contact you. However, MetLife's place on the National Association of Insurance Commissioners' (NAIC) complaint index, which tracks the amount of complaints each insurance provider receives, suggests that the company's customers remain satisfied despite its old-school approach.
Most affordable homeowners insurance: Idaho Farm Bureau
If you're looking for the more affordable homeowners insurance, Farm Bureau Services' Idaho affiliate could be the best choice for you. The company's average annual premium is $455, which is 52% cheaper than the state's average. Despite its cheap prices, Idaho Farm Bureau provides coverage that's standard across the industry, including protection from fire and smoke, hail and even losses due to frozen plumbing.
Due to the company's already cheap prices, it doesn't offer many discounts. You may find some savings if you enhance the security of your home by adding deadbolts and smoke detectors. Otherwise, you'll have to speak to a local agent to discover other discounts that are offered in your area.
Best for customizing your protection: American Family Insurance
American Family might appeal to you if you'd like the ability to personalize your homeowners insurance. Before you finalize the purchase of your policy, you can adjust any of the three tiers of insurance that American Family suggests. By adjusting each of the limits to your satisfaction, you can get the price and the coverage that fit your lifestyle and your home's needs.
This provider offers a slew of endorsements you can add to your policy. Aside from unique additions that your local American Family agent might offer, you may add:
- Dwelling and contents replacement cost coverage
- Identity fraud protection
- Sewer and water backup security
- Credit monitoring services
- Pet insurance
Best for auto owners: Mutual of Enumclaw
If you're a driver who's also looking for homeowners insurance, it could be a good idea to consider coverage from Mutual of Enumclaw. This insurer has a hybrid package for bundlers called Member's Best protection. Member's Best combines your auto and homeowners insurance bills and deductibles. It also comes with roadside service, identity management protection services and pet injury insurance for up to $1,000.
Even if you're not sure about bundling your policies, Mutual of Enumclaw offers standalone homeowners insurance, too. The average yearly premium of its standard policies is about $700, which is about 25% cheaper than Idaho's typical price of coverage. You can also add protection against cyber attacks and service line damage to a standard policy, but you'll have to talk to your local agent about what other endorsements are available in your area.
Homeowners insurance companies with the best and worst customer service
To uncover which homeowners insurance company in Idaho has the best customer service, we checked each provider's place on the complaint index, published by the National Association of Insurance Commissioners (NAIC). This agency tracks the amount of complaints insurance companies receive relative to their market share percentage. We also compared the scores from J.D. Power when applicable.
We found that the home insurers with the best customer service in the state are USAA, State Farm and MetLife. Idaho Farm Bureau also places high on the NAIC's scale, but because the complaint index considers national market share to calculate its data, the small insurer's numbers aren't necessarily representative of how local policyholders feel.
The companies with the lowest customer satisfaction scores are American Family, Farmers and Allstate, but customers should still consider these providers. Each of these insurers still receives less than the number of complaints that are typical for similar-sized companies.
|Company name||NAIC Value||JD Power||AM Best|
|Farm Bureau of Idaho||0.00||N/A||N/A|
|American Family Insurance||0.65||3/5||A|
|Mutual of Enumclaw||0.24||N/A||N/A|
Cheapest options for homeowners insurance in Idaho
The average cost of homeowners insurance in Idaho is $940. This price makes Idaho one of the cheapest states for coverage. Home insurance has an average nationwide price of $1,083. The cheapest homeowners insurance in Idaho comes from Idaho Farm Bureau, while the most expensive provider was State Farm.
Find Cheap Auto Insurance Quotes in Your Area
Most common homeowners insurance perils in Idaho
Even though it doesn't typically experience catastrophic earthquakes and floods, Idaho can experience damaging hail and wildfires. Its mountainous terrain also means that it could be a good idea to talk to your insurance provider about protection from mudslides or landslides.
Fortunately, your typical homeowners insurance policy protects you from both hail and fire. Most policies have a provision for falling objects that includes hail damage as well as damage from felled trees and the weight of snow. If you're unsatisfied with the level of coverage your policy grants, you could raise the limits to include a greater degree of damage. You may also purchase a separate fire insurance policy to supplement your existing insurance, or as primary peril coverage if you live in an area other insurers aren't available.
If you live in a mountainous area that's prone to landslides or mudslides, you may ask your insurer about coverage from these perils. Standard homeowners insurance policies don't often provide protection from movements of the earth, a designation which includes sinkholes and earthquakes in addition to landslides and mudslides.
Idaho insurance rates: city-by-city breakdowns
The data we collected while conducting this survey allows us to provide the cost of homeowners insurance in each of Idaho's cities that have populations over 10,000 people. The following table communicates the costs of coverage in the state's largest cities.
|City||Average||Difference from average|
If you'd like to see how Idaho's homeowner insurance costs compare to rates in other states, ValuePenguin calculated average property insurance premiums on a state-by-state basis too.
Our survey of homeowners insurance quotes in Idaho includes estimates from nine of the state's largest providers. For each company, we collected quotes from every ZIP code in the state. The sample property we used to generate each quote was built in 1984 to correspond to Idaho's median building year. We insured our sample property for $207,100, the median value of owner-occupied homes in the state.
We included these insurers in our study:
- State Farm
- Farm Bureau of Idaho
- American Family Insurance
- Mutual of Enumclaw
Due to technical limitations, we were forced to exclude the following large insurers:
- United Heritage Insurance
- Auto-Owners Insurance
- The Hartford
- Gem State Insurance Co.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.