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Best Homeowners Insurance in Boise, ID

Aug. 26, 2019, 10:32 p.m.

Homeowners insurance provides financial protection after losses such as a fire, burglary or if someone is injured on your property. Unfortunately, the process of buying a policy is often complicated and confusing. To guide your search, our partners at ConsumerAffairs researched the best homeowners insurance in Boise based on coverages, premiums, service and customer reviews.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. KIVI TV may receive compensation from our partners. Learn more.

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#1
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EverQuote

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EverQuote
EverQuote
Features
  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in Boise
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#2
Progressive
Progressive
Features
  • #1 in online home insurance quotes
  • Several types of coverage
  • Protects against injuries & lawsuits
  • Available in Boise
Read More
Location
4696 W. Overland Rd.
Boise, ID 83705
(208) 287-8290
#3
GEICO
GEICO
Features
  • Several discounts to save you money
  • Coverage for rental properties
  • Multi-policy discount
  • Available in Boise
Read More
Location
Serves residents in
Boise, ID
(800) 207-7847
#4
State Farm
State Farm
Features
  • Bundle & save
  • Covers losses caused by many situations
  • Optional personal articles policy
  • Available in Boise
Read More
Location
4792 W. Overland Rd., Ste. 300
Boise, ID 83705
(208) 342-7728
#5
Ricketts & Associates
Ricketts & Associates
Features
  • Independent insurance provider
  • Over three decades of experience
  • Several policies to fit your needs
  • Experienced team of insurance professionals
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Location
13177 W. Persimmon Ln.
Boise, ID 83713
(208) 322-5525
#6
Hartley Insurance
Hartley Insurance
Features
  • In business since 1982
  • Online quotes
  • Works with a variety of popular insurance providers
  • Coverage for rental properties
Read More
Location
931 S. Allante Pl.
Boise, ID 83709
(208) 322-3473
Insurance Services of Idaho
Insurance Services of Idaho
Features
  • M-Th: 9am - 6pm
  • F: 9am - 5pm
  • Closed Sat and Sun
  • idahoinsuranceforless.com
Location
1843 S Broadway Ave., Ste. 202
Boise, ID 83706
(208) 383-9500
Mustard Seed Financial & Insurance
Mustard Seed Financial & Insurance
Features
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • mseedfinancial.com
Location
501 S. Main St.
Boise, ID 83642
(208) 497-5651
Boise River Insurance
Boise River Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • boiseriverinsurance.com
Location
41 S. Baltic Ave., Ste. 100
Meridian, ID 83642
(208) 949-2222
Nationwide
Nationwide
Features
  • M-Th: 9am - 5:30pm
  • F: 9am - 4pm
  • Closed Sat and Sun
  • nationwide.com
Location
9504 Fairview Ave.
Boise, ID 83704
(208) 321-0081
Allstate
Allstate
Features
  • M-Th: 8:30am - 6pm
  • F: 8:30am - 5pm
  • Closed Sat and Sun
  • allstate.com
Location
3601 W. Overland Rd.
Boise, ID 83705
(208) 345-8311
Financial Insurance Group
Financial Insurance Group
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • idahosbestinsurance.com
Location
8150 W. Emerald Ste. 190
Boise, ID 83704
(208) 991-3494
American Family Insurance
American Family Insurance
Features
  • M-F: 9am - 5pm
  • Sat and Sun by appointment
  • amfam.com
Location
4696 W. Overland Rd., Ste. 152
Boise, ID 83705
(208) 344-2985
Silver Key Insurance
Silver Key Insurance
Features
  • M-F: 8am - 4pm
  • Closed Sat and Sun
  • silverkeyboise.com
Location
10588 W. Business Park Ln.
Boise, ID 83709
(208) 855-9099

How to choose homeowners insurance in Boise

Boise Skyline

Boise doesn’t require homeowners to have insurance, but many mortgage lenders require carrying a policy. Regardless, your home is one your most valuable assets, and homeowners insurance protects you from home-related incidents that can be financially ruinous without coverage.

Homeowners insurance is divided into coverage for dwelling, personal property and liability, with add-ons available for other property structures. Each type of coverage is subject to a limit, or maximum amount the insurance company is willing to pay. In most cases you will also pay a deductible before coverage kicks in.

Several factors make home insurance a good idea in Boise. Every summer Boise undergoes a “fire season,” when the city air becomes thick with smoke and large wildfires burn through nearby foothills. If your home is damaged, dwelling coverage will pay for repairs or rebuilding, and personal property coverage will give you cash for destroyed belongings. If your home becomes uninhabitable, a policy can pay for a temporary living arrangement, like renting.

How much does homeowners insurance in Boise cost?

Boise homeowner insurance rates vary on the extent of coverage, but there is one constant: Boiseans pay some of the lowest premiums in the U.S — and significantly less than the average U.S. homeowner, who pays a little over $1,000.

Average home insurance rates in Boise

Boise neighborhood (ZIP code) Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
North End (83702) $544 $952 $1,364
Warm Springs Mesa (83712) $549 $960 $1,375
Central Bench (83705) $508 $881 $1,267
South Boise Village (83706) $503 $872 $1,255
Boise Junction (83704) $530 $919 $1,324
Harris Ranch (83716) $575 $1,004 $1,441
Northwest Boise (83714) $554 $969 $1,388

Note: Based on dwelling coverage above with a constant $1,000 deductible and $100,000 liability.

Many policyholders in Boise take advantage of discounts, like for bundling coverages together or taking steps to de-risk a home, like installing a security system.

Keep several things in mind when considering homeowners insurance in Boise. Choose adequate coverage for the value of your home and personal property and other assets. Familiarize yourself with what is covered and what is not; for instance, while fire is a “peril” that is covered standard in plans, flooding is not. Flood insurance is available through the National Flood Insurance Program.

Always comparison shop for home insurance. You can do this by getting quotes from a number of different companies. To get the most accurate quote, be sure you can provide details about the age and square footage of your home, distance to the nearest fire station, any security devices you own and coverages and limits you desire.

Progressive

Progressive

Progressive customers get a free homeowners insurance quote and can speak to expert agents about questions and policy details. They can also use HomeQuote Explorer, which allows rate and coverage comparison from multiple companies. Discounts are available for bundling homeowners and auto insurance, for getting an advance quote, for having alarm systems and safety devices and for new homeowners. Customers say Progressive is customer-focused and affordable.

GEICO

GEICO

GEICO is a nationwide insurance company offering affordable home insurance policies. Customers can get online quotes and learn about multiple types of discounts. Setting up and servicing a GEICO policy is easy through its website or through the GEICO Mobile app. Boise residents especially like GEICO for the savings offered on bundled policies and for the responsive customer service.

State Farm

State Farm

State Farm is popular among Boise customers for its website. Getting a quote and purchasing home insurance is quick and simple, and there are plenty of educational resources available for less experienced buyers. State Farm offers discounts for customers with multiple policies, home security systems and qualified roofing material on their homes. Many reviewers call State Farm trustworthy and reliable.

Ricketts & Associates

Ricketts & Associates

Ricketts & Associates is an independent, local Boise agency that has been a trusted source of insurance for Boise homeowners since 1980. By working with a large network of top providers, the company is able to match customer needs with the right policies. Many Boiseans say they have been customers for years and appreciate the friendly and knowledgeable staff.

Hartley Insurance

Hartley Insurance

Hartley insurance has been offering insurance products and services, including homeowners policies, since 1982. The Boise-based agency works with some of top names in the industry in order to offer customers a wide selection of coverages and services. Reviewers are highly satisfied with Hartley Insurance, giving five-star reviews for the personalized customer service.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.