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Best Renters Insurance in Boise, ID

Aug. 15, 2019, 8:17 p.m.

If you rent an apartment or home and don’t have renters insurance, you’re taking a big risk. Having a policy protects you from financial loss if your personal belongings are damaged or stolen, or if you’re sued for an injury or property damage. Our partners at ConsumerAffairs researched the best renters insurance in Boise so you know how coverage works and what providers to use.

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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Policygenius

Wide choice of A-rated insurers!

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Policygenius
Policygenius
Features
  • Best rates all in one place
  • Helped over 4.5 million customers
  • Seamless, secure online payments
  • Available in Boise
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Location
Serves residents in
Boise, ID
(855) 695-2255
#2
EverQuote
EverQuote
Features
  • Insurers for your needs & budget
  • Largest online marketplace
  • Fast, free quote comparison
  • Available in Boise
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Location
Serves residents in
Boise, ID
(855) 522-3444
Allstate: Eric Jeglum
Allstate: Eric Jeglum
Features
  • M-F: 8:30am - 5:30pm
  • Sat: By appointment
  • Closed Sun
  • agents.allstate.com
Location
894 E. Boise Ave.
Boise, ID 83706
(208) 344-7189
Butler Insurance Services
Butler Insurance Services
Features
  • M-Th: 9am - 5:30pm
  • F: 9am - 4pm
  • Closed Sat and Sun
  • butlerinsuranceservices.com
Location
9504 W. Fairview Ave.
Boise, ID 83704
(208) 321-0081
Hartley Insurance
Hartley Insurance
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • hartleyonline.com
Location
931 S. Allante Pl.
Boise, ID 83709
(208) 322-3473
Farmers Insurance: Kurt Pfleger
Farmers Insurance: Kurt Pfleger
Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • agents.farmers.com
Location
5105 W. Overland Rd.
Boise, ID 83705
(208) 345-5111
Edgar Insurance Agency
Edgar Insurance Agency
Features
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • insuringboise.com
Location
4948 Kootenai St., Ste. 103-B
Boise, ID 83705
(208) 345-8403
Christensen & Associates Insurance Agency
Christensen & Associates Insurance Agency
Features
  • M-Th: 9am - 5pm
  • F: 9am - 4pm
  • Closed Sat and Sun
  • christensenandassociates.com
Location
6307 W. Interchange Ln., Ste. 100
Boise, ID 83709
(208) 345-6852
Fuhriman Insurance
Fuhriman Insurance
Features
  • M-Th: 8am - 5pm
  • F: 8am - 4pm
  • Closed Sat and Sun
  • insuremeplus.com/renters-insurance.html
Location
9603 W. Chinden Blvd.
Boise, ID 83714
(208) 327-3400
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

How to choose rental insurance in Boise

Boise skyline

Fewer than half of all renters in the U.S. have renters insurance. Perhaps that’s due to the many misunderstandings about this type of coverage. Here are some common myths:

  • The landlord’s policy will cover personal belongings if they are lost or stolen. False. The property owner’s insurance will usually only cover the physical structure of the apartment or rental home, not your possessions.
  • Your personal property isn’t valuable enough to need insurance. Probably not the case. Add up the value of all your belongings, and you might be surprised. The cost to replace your furniture, clothing, electronics and kitchen items will be high.
  • Renters insurance only covers personal property. Nope. The standard policy includes liability coverage, which covers you if you’re responsible for an injury on the property or if you damage someone else’s property. It pays for medical bills, repair costs and legal fees.
  • Renters insurance only covers personal property inside the home. Incorrect. A standard policy will cover property that’s stolen from your car or from you in person while away from home. It’ll also reimburse you for living expenses if a covered loss renders your home uninhabitable.
  • Renters insurance is expensive. It’s actually less than you think. Renters insurance in Boise costs, on average, $10 - $15 per month. Idaho has among the lowest renters insurance premiums in the U.S.

When choosing renters insurance in Boise, you’ll want appropriate coverage limits, which are the maximum amounts the insurance company will pay for a covered event, like fire, vandalism or theft.

For personal property, choose a coverage amount corresponding to the approximate total value of your possessions. You’ll need to decide if you want replacement cost coverage (which covers the actual cost to replace a possession) or actual cash value coverage (which takes depreciation into account). Don’t forget to look at the deductible amount and ask about scheduled personal property coverage if you have high-value items like art or jewelry.

For liability, consider your assets and how much you could be sued for in a worst-case scenario. Standard policies include $100,000 of coverage.

Keep in mind, renters insurance covers a large number of events, or perils, but there are exceptions (e.g., earthquakes, floods). Read over a policy carefully so you know when it applies. Also, check with your landlord before making a final decision; your lease may require you to carry specific coverage or add an additional insured endorsement.

Policygenius

Policygenius

PolicyGenius has helped over 4.5 million people shop for insurance. This independent, online insurance broker with a user-friendly website helps calculate the coverage you need and offers quotes with clear policy explanations. You can sign up for renters insurance in Boise in just minutes. Customers appreciate being able to look for coverage without oversharing personal information, and they say PolicyGenius offers helpful advice.

EverQuote

EverQuote

EverQuote provides shoppers with a fast, free and easy way to compare and price renters insurance in Boise. Just provide a bit of information about you and your home, and the company will match you with insurers. Quotes for affordable coverage are available within just minutes. Though many Boise users recommend EverQuote, some were bothered by excessive contacts from agents.

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.