The Best Cheap Homeowners Insurance in Boise, Idaho for 2025: Quotes and Reviews

Most providers in Boise offer home insurance policies covering the same core coverages. Therefore, when deciding which policy to purchase, the price becomes one of your major considerations.

After comparing policies from several companies, MoneyGeek found the cheapest homeowners insurance in Boise for homes with a $500,000 dwelling coverage limit can be purchased from:

• American Family: $1,127 per year
• Allstate: $1,326 per year

How much homeowners insurance in Boise costs depends on the amount of dwelling coverage you purchase. More expensive homes — those with dwelling coverages of $2 million — also have more expensive premiums.

For homes with a $2 million dwelling coverage limit, you can purchase the cheapest homeowners insurance in Boise from:

• American Family: $3,270 per year
• Allstate: $5,030 per year

If you want to see how homeowners insurance rates in Boise change based on dwelling coverage limits, you can use the table below.

Homes in Boise typically have initial baseline dwelling coverages of $500,000. These policies have personal property coverage limits of $200,000. If your dwelling coverage increases to $2 million, the limit for personal property coverage becomes $800,000. Liability coverage for all policies has a limit of $100,000.

If you live outside of Boise, you can still check out statewide home insurance rates in Idaho.

Homeowners residing in Idaho typically pay $1,051 per year for homeowners insurance. However, if you live in Boise, you have to pay an average of $767 more, with the annual average cost of home insurance being $1,818. Compared to the national average of $2,103, Boise’s rate is around 14% lower.

Insurance providers look into several factors to come up with home insurance quotes in Boise. Location is a consideration, but so are the limits for dwelling and personal property coverages. Insurers factor in your credit score as well.

You can see how these elements affect prices and compare quotes in Idaho through MoneyGeek’s home insurance calculator.

Although the price is a factor, it should not be the sole consideration when purchasing homeowners insurance in Boise. It’s best to get a policy from a company with good user experience ratings and strong financial stability. This way, you’re assured that when you file a claim, it’s processed efficiently and objectively. Having a good insurance provider lessens the stress you already feel from being in a difficult situation.

Using a unique rating system, MoneyGeek evaluated several providers and found the best homeowners insurance companies in Boise to be:

• Best Overall: USAA (available to former and current military members only)
• Runner Up: Allstate

MoneyGeek’s internal ranking system uses financial strength, affordability and customer satisfaction data to compare homeowners insurance companies in Boise.

Studies have shown that homeowners with houses built in 2015 onwards are less likely to file a claim, making them less risky to insure. Newly constructed homes use materials more resistant to damage and, if you file a claim, are easier to replace. This typically results in newly built homes being cheaper to insure, costing an average of $1,411 per year. In comparison, you’ll pay $1,818 annually for homeowners insurance in Boise if your home was built in 2000.

The companies with the cheapest homeowners insurance for newly constructed homes in Boise are:

• American Family: $878 per year
• MetLife: $1,064 per year

More than simply covering expenses from damages to your home, homeowners insurance in Boise also protects against loss or damage to the personal property you keep there. A standard policy with a $100,000 limit for personal property coverage costs an average of $1,818 per year. In comparison, a similar policy with higher personal property coverage of $250,000 has an annual premium that is about 7% higher, priced at $1,939 per year on average.

MoneyGeek compared policies from several providers and found that the cheapest homeowners policies in Boise with increased personal property coverage are from:

• American Family: $1,321 per year
• Allstate: $1,346 per year

All policies in Boise include deductibles — the amount you pay out of pocket before your insurance begins covering costs. The higher your deductible is, the more you pay out of pocket, but the less your policy premiums will cost each year. A homeowners insurance policy in Boise with a $1,000 deductible costs $1,818 per year on average. Increasing your deductible to $2,000 decreases your annual premium to $1,631.

Among the providers in Boise, the cheapest homeowners insurance policies with higher deductibles are available from:

• American Family: $1,054 per year
• Allstate: $1,197 per year

There are states where your credit scores do not affect a policy’s rate — however, Idaho is not one of them. In Boise, how much homeowners insurance costs varies based on your credit standing. If you have a good credit score, you’ll have to pay an average of $1,818 each year for home insurance. This rate more than doubles if you have poor credit standing, costing $3,760 per year on average.

For homeowners with poor credit standing, the providers in Boise that offer cheap homeowners insurance are:

• American Family: $1,787 per year
• Allstate: $1,929 per year

Comparing home insurance quotes in Boise is always encouraged. One way to gather multiple quotes is to get them online. To make it easier for you, make sure to have the following information:

• Cost of home replacement — In the event of a total loss, the amount it takes to rebuild your home determines your dwelling coverage. A construction professional or building contractor can give you an accurate assessment.

• Value of personal property — This determines the amount of personal property you cover. Most homeowners underestimate their personal items’ worth. To avoid this, it’s best to maintain a record of your belongings and their corresponding value.

• Personal information — Things like which part of Boise you live in, the number of people living in your home or whether you have pets all affect the cost of homeowners insurance in Boise.

• Home details — How old your home is and what materials were used when it was built affect your rate. It’s best to know what security devices are in your home and whether you or a previous homeowner have done any remodeling.

MoneyGeek used data provided in partnership with Quadrant and results from J.D. Power surveys for customer satisfaction. We determined affordability by collecting homeowners insurance quotes in Boise with varying coverages. We also gathered quotes for homeowners with poor credit standing, newly constructed homes, high deductibles and increased coverages for dwelling and personal property. MoneyGeek used the profile of a homeowner with a 2,500-square-foot home built in 2000 with a $500,000 dwelling coverage limit, a $200,000 personal property coverage limit, $100,000 in liability coverage and a $1,000 deductible. MoneyGeek analyzed seven companies in this study.