The Best Home Insurance in Idaho for 2025

Country Financial and Chubb are among the best home insurance companies in Idaho, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Idaho. Below are the insurers that earned 5 stars in our analysis.

Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

The best home insurance companies in Idaho

Here's more information about the best homeowners insurance companies in Idaho.

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

» READ MORE: Amica homeowners insurance review

Auto-Owners has been in business for more than a century. Its homeowners policies include all the basics, but you can also add coverage for things like identity theft or the failure of major appliances (usually known as equipment breakdown coverage). Guaranteed replacement cost coverage is another optional add-on, enabling you to rebuild your home after a total loss even if your dwelling coverage limit is too low.

Auto-Owners sells homeowners insurance through independent agents.

» READ MORE: Auto-Owners homeowners insurance review

Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.

Idaho homeowners can also sign up for free Wildfire Defense Services. These services include personalized recommendations for protecting your home and deployment of firefighters to your house if a wildfire is approaching.

» READ MORE: Chubb homeowners insurance review

Country Financial has multiple levels of homeowners coverage to help you choose the package that’s best for you. You also have the option to add extra coverage for the structure of your home, in case the cost of rebuilding exceeds your policy limit.

Country Financial sells homeowners insurance through local representatives. The company has drawn far fewer complaints than expected to state regulators.

» READ MORE: Country Financial homeowners insurance review

USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

Other home insurance companies to consider

Looking for more of the best homeowners insurance companies in Idaho? These insurers received a NerdWallet star rating of 4.5:

» MORE: The best home insurance companies

How much does homeowners insurance cost in Idaho?

The average annual cost of home insurance in Idaho is $1,460. That’s 31% less than the national average of $2,110.

In most U.S. states, including Idaho, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Idaho, those with poor credit pay an average of $2,595 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 78% more than those with good credit.

» MORE: Does your credit score affect home insurance rates?

Average cost of homeowners insurance in Idaho by city

How much you pay for homeowners insurance in Idaho depends on where you live. For instance, the average cost of home insurance in Boise is $1,415 per year, while homeowners in Idaho Falls pay $1,655 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Idaho

Here are the insurers we found with average annual rates below the Idaho average of $1,460.

» MORE: The cheapest homeowners insurance

Common risks for Idaho homeowners

Here are a few of the most common risks Idaho homeowners may face, along with steps you can take to insure your home against them.

Wildfire

Standard homeowners insurance may cover damage due to fire, but read your policy closely, as wildfire damage could be excluded in high-risk areas. Pay particular attention to your dwelling coverage limit, which is how much the insurance company will pay to rebuild your house. Check with your insurer to ensure you have enough coverage to rebuild if necessary. Learn more about home insurance and wildfire.

Winter weather

Homeowners insurance generally covers winter storm-related damage, but some scenarios may require extra coverage. For instance, you’ll typically need a separate flood insurance policy to cover flood damage caused by snowmelt. Some insurers won’t cover damages due to frozen pipes if there’s proof of neglect, such as failing to maintain heat in an unoccupied house.

Flooding

Standard homeowners insurance doesn't cover flood damage, so homeowners in flood-prone areas may need to buy separate flood insurance.

You can get flood insurance at any time, but be aware there’s often a 30-day waiting period before the coverage takes effect.

» MORE: Why you might need flood insurance, even if it's not required

Hailstorms

Home insurance typically covers hail damage, but you may have a separate deductible for wind and hail claims. Deductibles may be a flat rate, such as $1,000, or a percentage of your dwelling coverage. For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for hail or wind claims. So, if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of hail damage yourself.

» MORE: Home insurance calculator: Estimate your rate

Idaho insurance department

The Idaho Department of Insurance oversees the state’s insurance industry. Its website provides information about homeowners insurance and resources for consumers who want to file a complaint against their insurers. If you have a question, you can reach out through its online form or call toll-free at 800-721-3272.