The best home insurance companies in Idaho are American Family, State Farm, Nationwide, Mutual of Enumclaw and Farmers. Nationwide ranks first for coverage options, Mutual of Enumclaw leads in affordability and American Family is best for customer service. Compare all our top picks below.
Best Homeowners Insurance in Idaho
Updated: June 24, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Idaho are American Family, State Farm and Nationwide.
American Family offers the best overall home insurance for most Idaho homeowners. For those with newer homes, American Family remains the top choice.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Idaho?
| American Family | 94 | 2 | 1 | 2 |
| State Farm | 83 | 4 | 2 | 4 |
| Nationwide | 79 | 3 | 4 | 1 |
| Mutual of Enumclaw | 72 | 1 | 5 | 3 |
| Farmers | 46 | 5 | 3 | 5 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, the best option for you may differ based on your home type or specific personal needs. Review the top insurers across major categories below.
| American Family | 94 | Overall |
| American Family | 93 | Older Homes |
| American Family | 95 | Newer Homes |
| American Family | 95 | High-Fire-Risk Areas |
| American Family | 95 | Bad Credit |
| American Family | 94 | With Claims History |
Best Idaho Home Insurance Reviews
Explore our top home insurance picks in Idaho, highlighting leaders in affordability, customer service and coverage options.
Mutual of Enumclaw: Best for Affordability
Mutual of Enumclaw is the most affordable provider for most homeowners in Idaho. The regional provider offers the cheapest rates for newer and older homes. It also has diverse coverage options, like its Member's Best Home and Auto Bundle, which includes pet injury coverage, key and lock replacement, and a simplified deductible.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $32 | $389 |
| Newer Homes in High-Fire-Risk Areas | $46 | $558 |
| Older Homes | $55 | $665 |
| Older Homes in High-Fire-Risk Areas | $79 | $953 |
American Family: Best for Customer Service
American Family is the second most affordable provider for home insurance in Idaho and is our top overall company for every category in the Idaho study. According to J.D. Power, the company scored right around the average for claims handling and customer satisfaction. American Family customers can take advantage of the provider's unique coverages, such as hidden water damage coverage and sump pump overflow coverage.
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $50 | $595 |
| Newer Homes in High-Fire-Risk Areas | $50 | $595 |
| Older Homes in High-Fire-Risk Areas | $74 | $893 |
| Older Homes | $74 | $893 |
Nationwide: Best for Coverage
For most homeowners in Idaho, Nationwide is the most expensive provider in our study. However, it offers strong coverage options. Nationwide's wide selection of options includes its Valuables Plus coverage, which offers extended coverage for jewelry, antiques, fine art and other high-value items, ensuring these possessions are protected beyond the limits of standard personal property coverage. According to J.D. Power, Nationwide ranks eighth overall in customer service and fifth in claims satisfaction.
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $34 | $411 |
| Newer Homes in High-Fire-Risk Areas | $37 | $449 |
| Older Homes | $84 | $1,012 |
| Older Homes in High-Fire-Risk Areas | $92 | $1,105 |
How to Find the Best Home Insurance in Idaho
Choosing the right home insurance can be challenging. We've created a guide to help you find the coverage that best suits your needs.
- 1
Determine your coverage needs
Know your home inside and out before picking an insurance policy. To determine the coverage level you need, look at your home's total value, the worth of your belongings, and local risks like wildfires or floods that could impact your property.
- 2
Research costs and discounts
Figure out how much home insurance costs in Idaho to see if providers truly offer savings. To maximize your savings, check for discounts you qualify for, such as bundling policies or installing home safety devices.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Idaho. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Ensure you compare quotes on an apples-to-apples basis for accuracy. Get quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Idaho: Bottom Line
American Family, State Farm and Nationwide are the best-rated homeowners insurance providers in Idaho. While we recommend these providers, researching and comparing options yourself can help you find the best fit for your needs.
Best Home Insurance in Idaho: FAQ
Below, we’ve answered your top questions to help you choose the right home insurance provider in Idaho.
Which company is best for home insurance in Idaho?
American Family is the best homeowners insurance provider in Idaho due to its high MoneyGeek rating, affordability, excellent customer service and solid add-on coverage options. State Farm, Nationwide, Mutual of Enumclaw and Farmers are also highly rated options in Idaho.
Who has the most affordable homeowners insurance in Idaho?
Finding the most affordable homeowners insurance in Idaho depends on your specific needs and situation. Homeowners insurance in Idaho costs an average of $730 annually.
How do you get the best homeowners insurance in Idaho?
To find the best home insurance in Idaho, determine your coverage needs, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Idaho: Our Methodology
We rated the best homeowners insurance providers in Idaho using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.