The Cheapest Idaho Renters Insurance Companies 2020

You don’t need to insure the structure of your living space, but going without insurance leaves you exposed if your belongings gets damaged in a fire or a thief makes off with something. Most renters insurance policies include personal property coverage — meaning they protect your furniture, electronics and clothes, up to your policy limits — and liability coverage. Liability coverage steps in if your neighbor sues you because they slipped on your doormat, for example

Find the Best Renters Insurance in Idaho

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    Don’t worry that Idaho renters insurance is going to bust your budget. These policies are cheap. The National Association of Insurance Commissioners (NAIC) says policies average between $15 and $30 a month — and are easy to get. To help you find the right coverage for the stuff you keep inside your apartment, we’ve built this guide to best Idaho renters insurance companies.

    In this article

      Best renters insurance companies in Idaho

      Based on the coverage you need and how much you’ll pay for it, our top picks for Idaho renters insurance companies are:

      • American Family Insurance: When American Family Insurance customers get asked about their renters insurance by organizations like J.D. Power & Associates, they give glowing reviews because of the strong customer service.
      • MetLife: MetLift gets decent ratings across the board, gives you a lot of control over your renters insurance coverage and has competitive rates.
      • Oregon Mutual: Although relatively small, Oregon Mutual renters insurance shines for its affordability.
      • Safeco: Safeco connects you with an insurance agent near you, which can be helpful if it’s your first time getting a renters insurance policy or you prefer to work in person instead of online

      Want more info on these options? Keep reading.

      Idaho renters insurance with the best customer satisfaction – American Family

      American Family also offers add-ons like pet coverage.

      J.D. Power Rating
      5/5
      AM Best Rating
      A
      Standard & Poor’s
      N/A
      SimpleScore
      4.8 / 5.0
      close
      SimpleScore American Family 4.8
      Discounts 5
      Coverage Options 5
      Customer Satisfaction 5
      Support 4
      Accessibility 5

      If you looked at the 2019 J.D. Power Renters Insurance study, you probably noticed that a lot of renters insurance companies have average rankings. American Family Insurance is different. They scored a perfect five out of five in overall satisfaction, policy offerings, price, billing process and policy information and interaction.

      The most customizable Idaho renters insurance – Metlife

      MetLife policies give you a ton of flexibility

      J.D. Power Rating
      N/A
      AM Best Rating
      A+
      Standard & Poor’s
      N/A
      SimpleScore
      2.3 / 5.0
      close
      SimpleScore Metlife 2.3
      Discounts 2
      Coverage Options 3
      Customer Satisfaction N/A
      Support 2
      Accessibility 2

      MetLife is a better option if you have specific things you want to protect or certain risks you want to protect against. You can customize your policy to include sports equipment, electronics, musical instruments and valuables.

      The cheapest Idaho renters insurance: Oregon Mutual

      If you’re looking to get the best Idaho renters insurance while paying as little as possible, Oregon Mutual is a solid option. The policies are cheap and include the basics plus additional living expenses coverage. This kicks in if you can’t live in your apartment because of a reason covered by your policy and need help footing the bill at a hotel and restaurants. While your rates will depend on your circumstances, Oregon Mutual often has the lowest prices.

      The easiest Idaho renters insurance to get: Safeco Insurance

      If you’re looking for someone to guide you through the process of getting the right policy for your needs, Safeco’s a solid option. It has independent insurance agents across Idaho. Choose the one closest to you to have a pro guide you toward the right policy.

      Safeco can serve you if you prefer to do things digitally too. It recently added a feature that allows you to file your renters insurance claim online and track its progress digitally too.

      Find the Best Renters Insurance in Idaho

      Save money on renters insurance with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.
         AM Best Rating2019 J.D. Power Overall Satisfaction Rating

         

        Better Business Bureau RatingAverage rate
        American Family InsuranceA+5 out of 5A+$108
        MetLifeA+Not availableA-$100
        Oregon MutualA-Not availableA+$87
        Safeco InsuranceA2 out of 5A$102

        FAQ – Renters Insurance

        How much insurance you needs depends on how much you need to insure. If you have a massive wardrobe or an extensive home entertainment system, for example, you’re going to need more coverage than someone who leads a spartan lifestyle. For help picking the right level of coverage, check out our guide.

        According to The Zebra,Omaha Mutual has the lowest average rates. However, what you pay depends on things like your credit history, where you live and how much you ownTo find the cheapest policy for yourself, get quotes from multiple insurance providers.

        Getting quotes from multiple renters insurance companies is an excellent way to make sure you’re getting renters insurance at the best price. Also, consider bundling your renters insurance with other coverage you need, like auto insurance. Don’t hesitate to ask your insurance agent — if you choose a company that connects you with one — about your discount options. The agent may be able to point you toward more discounts.

        If you live in a dorm, your parent’s homeowners insurance probably covers you. If you live off-campus, you might want to consider getting your own policy. We did a deeper dive into this question to give you more info.

        Methodology

        SimpleScore

        The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
        For every review, our editorial team:

        • Identifies five measurable aspects to compare across each brand
        • Determines the rating criteria for each aspect score
        • Averages the five aspect scores to produce a single SimpleScore™

        Here’s a breakdown of the five aspect scores and their rating criteria for our renters insurance reviews. You can also review more detail on our Simplescore renter insurance methodology.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

        Discounts

        We awarded higher scores to insurance providers with more discounts available on their website.

        Coverage Options

        We gave providers with more renter insurance coverage options a higher score because they’re more likely to have a policy that best meets your needs.

        Support

        We awarded higher scores to renters insurance providers with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power Home Insurance Satisfaction Study℠ to see how customers rated their experience with each insurance provider. (If a provider wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

        Accessibility

        We awarded higher scores to insurance providers that have more online and mobile features to easily manage your policy and claims.

        Kacie Goff

        Contributing Writer

        Kacie Goff is a personal finance and insurance writer with over five years of experience covering personal and commercial coverage options. Kacie founded Jot Content, a full-service content agency, in 2018. She lives in Ventura, CA, with her husband and dingo-look alike dog, Babou. When she’s not writing, you can find Kacie practicing yoga, working in her garden or scoping out a new happy hour.