Homeowners Insurance in Idaho

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Protect Your Home With Home Insurance in Idaho

If you live in Idaho, you know the state is known for much more than its potatoes. With vast wilderness and mountains, the Gem State is a beautiful place to call home. However, being a homeowner in Idaho also means facing challenges throughout the year like wildfires, winter storms and earthquakes. Disaster can strike at any time, so it’s important to have the right homeowners insurance in Idaho to stay protected.

The Hartford is an insurance company backed by over 200 years of experience protecting individuals and their properties. No matter where you live in the state, the AARP^® Homeowners Insurance Program from The Hartford¹ can get you the homeowners insurance coverage you need. So, whether you live in Boise, Pocatello or Caldwell, you can protect your home from financial loss with The Hartford.

Coverages for Home Insurance in Idaho

The Hartford’s homeowners insurance policies come with the following coverages:

Personal Liability Coverage

If someone who is not a resident of your household suffers an injury or property damage for which you are legally responsible, personal liability can help cover your legal defense costs and any court judgments against you, up to your policy limits.

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from or earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, other structures coverage can help cover the cost of damages.

Personal Property Insurance Coverage

Personal property coverage helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Loss of Use Coverage

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

Additional Coverage Recommendations for Idaho Home Insurance

If you’re looking for more protection beyond just the standard homeowners insurance coverages, The Hartford has you covered. Some coverage options you can customize your policy with include:

“New for Old” Protection,^‡‡ which replaces your possessions if they get destroyed with a new one that is the same quality.
Reimbursement for replacing locks if your keys get stolen or you lose them and need to buy replacements. This can help pay up to $500 with a $100 deductible.
Identity fraud expense coverage, which reimburses you for out-of-pocket expenses up to certain limits if you experience identity theft. This helps cover lost income and legal fees.
Disappearing Property Deductible^‡‡ to reward you by reducing your deductible every year when you go three consecutive years without an insurance loss.
Equipment breakdown coverage to help pay for repairs or replacement of appliances and electronics when there is an electrical or mechanical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind that this coverage doesn’t cover normal wear and tear of your items.
Valuable items blanket to provide extra protection for certain valuables after a covered loss. For instance, if your insured jewelry gets stolen, this coverage can help cover its replacement cost.

Keep in mind that a standard homeowners insurance policy doesn’t usually cover flood damage, so you’ll have to buy a separate flood insurance policy. As long as your community is part of the National Flood Insurance Program (NFIP), you can get coverage.***

How Much Does Idaho Homeowners Insurance Cost?

On average, home insurance rates in Idaho cost $1,201 per year, or $100 per month.²However, it’s important to note that homeowners insurance costs are unique to each person. Some factors insurance companies look at to determine homeowners insurance rates are your:

Home’s size
Geographic location
Claims history
Coverage limits
Home’s age

Discounts To Help You Save on Your Idaho Home Insurance

There are many homeowners insurance discounts available through the AARP Homeowners Insurance Program from The Hartford to help you save money.

Bundle Insurance Savings

If you bundle insurance, you could save on both policies. In fact, bundling insurance with The Hartford could save you up to 12% on your auto insurance and up to 20% on your home, renters or condo insurance.** The Hartford offers the following types of bundles:

Home Security and Safety Device Savings

If you install home security systems, like burglar alarms, you can receive a discount.

Get a Quote for Homeowners Insurance in Idaho

Not all home insurance companies in Idaho are the same. The Hartford has the only homeowners insurance program endorsed by AARP, and our representatives consistently earn high ratings for customer and claims service. Through the AARP Homeowners Insurance Program from The Hartford, we can help get you the coverage you need.

It's fast and easy to get a homeowners insurance quote from The Hartford. Get a quote online or call 877-422-2345 today to learn more about the savings and benefits available to you.

FAQs About Idaho Homeowners Insurance

What Is the Average Cost of Homeowners Insurance in Idaho?

The average cost of home insurance in Idaho is $1,201 per year or $100 per month.³ This is less than the national average cost of $2,151.⁴

Is Homeowners Insurance Required in Idaho?

Idaho doesn’t require homeowners insurance by law. But, you may be required to get coverage if you have a mortgage on your home.

Last Updated: August 7, 2024

²^,³^,⁴ Bankrate, “Average homeowners insurance cost in August 2024.”

*** This is an optional coverage and may not be available in all states.

** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.

^§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage^® is a registered mark of The Hartford.

^§§ Terms and conditions apply.

^‡ Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.

^‡‡ Terms and conditions apply. Availability varies by state.

^‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).

Additional disclosures below.