The 3 Best Idaho Homeowners Insurance Companies

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Idaho has lower-than-average homeowners insurance rates, according to the Insurance Information Institute. The average premium written in the Gem State was $1,088, almost $100 lower than the national average of $1,173.

Low homeowners insurance premiums mean Idaho homeowners have more room to be picky with their coverage level and select the right amount to feel comfortable in the event of a disaster.

We’ve outlined the companies we believe deliver standout service and policy options, and included an online-quote tool so you can start comparing prices and feel confident that you’re getting the best Idaho homeowners insurance coverage.

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

State Farm

State Farm is the largest provider of homeowners insurance in Idaho, writing nearly 17% of all policies in the state. State Farm is a popular option because the company offers customizable coverage for nearly all types of standard dwellings at an affordable price.

A standard policy from State Farm covers damage made to your home caused by fire or lightning, windstorms, frozen pipes, or theft. This policy can be supplemented to include personal injury and liability protection, as well as coverage for farms and ranches, condominiums, and manufactured homes.

Should you experience a loss and need to file a claim with State Farm, you’ll be working with one of the largest and most extensive claims networks in the world. State Farm has more Idaho representatives than any other provider, extends a 24/7 claims hotline, and offers their PocketAgent mobile app to get a claim started and track its progress.

Customers also have access to State Farm’s HomeIndex tool to keep a running wireless inventory of their possessions to easily track your belongings and report claims accurately and efficiently.

State Farm’s Premier Service Program is another notable feature of the company. If your home needs flooring repair or emergency water mitigation services after a covered loss, State Farm puts you in contact with a reputable contractor in your area to carry out repairs and restore your home to safety sooner.

Farmers Insurance

Backed by an A rating from A.M. Best, Farmers Insurance delivers trustworthy service and cheap rates for Idaho homeowners. In addition to their baseline coverage, Farmers has unique add-on protections for their policies, including identity management services to cover any losses and expenses incurred as a result of identity theft, Eco-Rebuild coverage to offset extra costs associated with rebuilding or repairing your home with certified “green” contents and materials, and contents replacement cost coverage to replace any damaged or destroyed covered items with their new equivalents.

Farmer’s quality claims management tools, like their iClaim app, ease the claims process. You can file a claim over the phone, online, using the app, or in person with a local Farmers representative. Once your claim is received, it is promptly assigned to a specialist and can be easily tracked until its settlement so you are never left out of the loop. Farmers also enjoys partnerships with hotels and local Idaho contractors to offer you temporary housing and help you get back on your feet faster after a covered loss.

Farmers offers multiple opportunities for you to save on your Idaho homeowners insurance policy. The company offers standard discounts, like those for policy bundling, insuring a new or recently renovated home, and installing safety devices like fire alarms and sprinklers. Other price breaks can be applied if everyone in your home is a nonsmoker, if you’ve had a recent inspection on your home, if you’ve made any “green” home efficiency renovations, or if you’ve recently replaced your roof.

Farm Bureau Mutual Insurance Co. of Idaho

The Farm Bureau is a great option for Idaho residents looking for an affordable policy and the personal attention and care that a local insurance company can provide. The Farm Bureau has been insuring Idaho homes for nearly 70 years, and maintains a rock-solid reputation and A+ (superior) rating from A.M. Best.

A standard homeowners insurance policy provides protection from damage caused by windstorms or hail, frozen plumbing, water damage from plumbing or the air conditioning, theft, falling objects, fire, and auto collisions. You can save on your homeowners insurance policy with the Farm Bureau by taking advantage of premium deductions for things like installing deadbolt locks, smoke detectors, fire sprinklers, and home security systems, and building with fire retardant roofing materials.

Besides access to affordable insurance products, becoming a member of the Farm Bureau has numerous benefits. The Idaho Farm Bureau Federation is in partnership with hundreds of businesses and can provide discounts on certain hotels and car rentals, reduced tickets to theme parks and sporting events, savings on prescriptions and health services, scholarship opportunities, and exclusive banking services.

For more information on becoming a member and determining whether insuring your Idaho home with the Farm Bureau is the right decision for you, visit their website.

The 3 Best Idaho Homeowners Insurance Companies

  • State Farm
  • Farmers Insurance
  • Farm Bureau Mutual Insurance Co. of Idaho

Find the Best Home Insurance Rates

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Visit our home insurance guide for help selecting coverage, managing your deductible, and saving money on your homeowners insurance.