Best Homeowners Insurance Companies in Idaho

American Family ranks No. 1 spot in our review of the best home insurance providers in Idaho, followed by USAA and State Farm.

See if you're overpaying for home insurance below.

Written by Mark Fitzpatrick

Updated: January 15, 2026

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Idaho's Top Home Insurance Companies: Key Takeaways

American Family is the best home insurance provider in Idaho with a score of 4.6 out of 5 from our review team.

USAA, State Farm, Mutual of Enumclaw and Farmers rank high for homeowners insurance in Idaho based on affordable rates, strong customer service and reliable coverage.

The best insurer for your home depends on your coverage needs, budget and preferred features like claims service or discount availability.

Idaho homeowners pay rates below the national average. MoneyGeek analyzed premiums, J.D. Power satisfaction scores and coverage options from major providers to find the best home insurance companies in Idaho.

What Are the Best Home Insurance Companies in Idaho?

American Family earned our top ranking for Idaho homeowners by excelling in both affordability and customer experience, offering the state's lowest premiums alongside above-average satisfaction scores. USAA, State Farm, Mutual of Enumclaw and Farmers complete the top five, each bringing distinct strengths from military-focused service to premium coverage quality and local agent networks.


American Family	4.6	$980	Most Idaho homeowners
USAA	4.8	$1,634	Military families
State Farm	4.5	$1,249	Coverage quality
Mutual of Enumclaw	4.3	$1,008	Local agent network
Farmers	4.3	$1,600	Specialized coverage

*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 profile.

**Although USAA earned the highest score, we didn't rank it No. 1 due to its eligibility requirements.

American Family Insurance

MoneyGeek Rating

4.6/ 5

5/5Affordability

4.4/5Customer Experience

3.8/5Coverage

J.D. Power Customer Satisfaction Score
643/1,000
Average Annual Premium
$980

pros
- User-friendly digital tools for policy management and claims tracking
- Strong financial stability with high ratings
- Most affordable rates for Idaho homeowners
cons
- Slower claims process
- Limited availability
- Coverage not accessible in all Idaho regions
American Family offers Idaho's most affordable home insurance at $980 annually. Coverage includes personal property replacement cost protection for damaged items without depreciation deductions. The policy also provides additional living expenses coverage, essential during natural disasters common in Idaho, like wildfires and severe storms.

American Family charges $980 annually for home insurance in Idaho, 41% less than the state average of $1,673 and 52% below the national average of $3,467. The company offers bundling discounts for multiple policies and on home security systems.


Older Homes	$79	$951
Newer Homes	$67	$801
Young Homeowners	$83	$999
Senior Homeowners	$82	$978
High-Risk Fire Homes	$92	$1,098
Smaller Homes	$79	$943
Larger Homes	$83	$993

American Family earned 643 out of 1,000 points in the J.D. Power customer satisfaction study, slightly above the industry average of 642. The company operates through local independent agents who provide personalized service tailored to Idaho homeowners' unique needs and risks. American Family also offers a user-friendly online platform for policy management, combining traditional agent support with modern digital convenience.
American Family provides standard homeowners coverage with optional add-ons:
- Equipment breakdown: Covers appliances, home systems and smart home devices when they fail due to mechanical or electrical problems
- Flash flood: Pays for water damage from flash floods and similar events
- Hidden water damage: Covers leaks behind walls, floors, ceilings and cabinets that aren't visible
- Home renovation: Covers foundation collapse and damage or theft of construction materials during renovations
- Matching undamaged siding: Pays to replace remaining siding so everything matches after a claim
- Roof damage: Bridges the gap between your roof's depreciated value and replacement cost
- Service line: Pays to repair or replace damaged underground piping or wiring
- Sewer back-up, septic back-up and sump overflow: Covers repair costs when water backs up into your home through drains or an overflowing sump
- Scheduled personal property: Increases coverage limits for jewelry, gemstones, watches and furs beyond your base policy

USAA

MoneyGeek Rating

4.8/ 5

4.6/5Affordability

5/5Customer Experience

5/5Coverage

J.D. Power Customer Satisfaction Score
737/1,000
Average Annual Premium
$1,634

pros
- User-friendly digital tools for policy management and claims tracking
- Excellent financial stability with strong industry ratings
- Comprehensive coverage options designed for military families
cons
- Restricted primarily to military-affiliated customers
- Claims processing delays during peak demand periods
- Agent network focuses on direct sales, reducing personal interaction
USAA offers Idaho homeowners competitive insurance rates at $1,634 annually. It's an attractive option for military families. The company provides replacement cost coverage for personal belongings, ensuring you receive the full value of your items when filing claims for lost or damaged items. USAA's unique military uniform coverage protects service members' uniforms from damage or loss, a benefit you won't find with most other insurers.

USAA charges $1,634 annually for home insurance in Idaho, 2% less than the state average of $1,673 and 52% below the national average of $3,467. This competitive pricing benefits military families seeking affordable coverage in the state's housing market. Available discounts include bundling multiple policies and installing home security systems.


Older Homes	$135	$1,618
Newer Homes	$82	$989
Young Homeowners	$149	$1,785
Senior Homeowners	$135	$1,614
High-Risk Fire Homes	$153	$1,831
Smaller Homes	$125	$1,498
Larger Homes	$147	$1,763

USAA earned 737 out of 1,000 points in J.D. Power customer satisfaction ratings, above the industry average of 642. The company operates with a digital-first service model that provides direct access to representatives and tailored solutions for military families. USAA offers robust online tools for policy management and claims processing, making it easy to handle insurance needs digitally.
USAA provides standard homeowners coverage with optional add-ons:
- Home protector: Increases dwelling and other structures coverage limits by 25% when building costs rise unexpectedly
- Water backup: Covers damage from water or sewage backing up through plumbing or overflowing from a sump pump
- Earthquake: Covers your home and belongings when damaged by earthquakes, shock waves or tremors
- Personal injury: Covers legal costs if you're accused of libel, slander, defamation or other reputation damage

State Farm

MoneyGeek Rating

4.5/ 5

4.9/5Affordability

4.2/5Customer Experience

4/5Coverage

J.D. Power Customer Satisfaction Score
657/1,000
Average Annual Premium
$1,249

pros
- Pricing below Idaho's state average
- Customizable coverage options for homeowners
- Ranks second overall among Idaho home insurance providers
cons
- Limited availability
- Slower Claims processing during peak periods
- Coverage options lag behind top-tier insurance competitors
State Farm offers Idaho's most affordable home insurance at $1,249 annually. The company provides replacement cost coverage for personal belongings, ensuring you receive full value for lost items rather than depreciated amounts. State Farm also offers customizable coverage options that allow homeowners to tailor policies to specific regional risks like wildfires, which is valuable for residents in fire-prone areas.

State Farm charges $1,249 annually for home insurance in Idaho, 25% less than the state average of $1,673 and 52% below the national average of $3,467. These competitive rates become even more attractive with available discounts for bundling multiple policies and installing home security systems.


Older Homes	$105	$1,264
Newer Homes	$79	$944
Young Homeowners	$104	$1,250
Senior Homeowners	$103	$1,238
High-Risk Fire Homes	$117	$1,400
Smaller Homes	$93	$1,113
Larger Homes	$112	$1,340

State Farm earned 657 out of 1,000 points in the J.D. Power customer satisfaction study, scoring above the industry average of 642. The company operates through both local independent agents and direct sales, providing personalized service through agents familiar with Idaho homeowners' specific needs. State Farm offers robust digital tools for policy management, though online quote options remain somewhat limited compared to digital-first competitors.
State Farm provides standard homeowners coverage with optional add-ons:
- Personal articles policy: Covers high-value items like jewelry, art and collectibles against more risks than a standard policy
- Umbrella policy: Increases personal liability protection beyond your homeowners and auto policies
- Service line coverage: Pays to repair underground utility lines on your property
- Sewer backup coverage: Covers water damage and cleanup costs from sewer backups starting inside your home
- Energy efficiency upgrade: Provides extra funds to replace damaged systems with energy-efficient models
- Identity fraud protection: Covers costs to restore your identity after theft

Mutual Of Enumclaw Insurance

MoneyGeek Rating

4.3/ 5

5/5Affordability

3.8/5Customer Experience

2.7/5Coverage

J.D. Power Customer Satisfaction Score
N/A
Average Annual Premium
$1,008

pros
- Strong financial stability with high industry ratings
- Comprehensive coverage options tailored to various homeowner needs
- Most affordable rates available for Idaho homeowners
cons
- Limited availability in some areas throughout Idaho
- Claims process may be slower than expected
- Limited digital tools compared to some competitors
Mutual of Enumclaw offers Idaho's most affordable home insurance at $1,008 annually. Its policies include personal property replacement cost coverage, ensuring you can fully replace lost items without depreciation penalties. The company also provides comprehensive liability coverage for injuries occurring on your property, protecting you from potential lawsuits.

Mutual of Enumclaw charges $1,008 annually for home insurance in Idaho, 40% less than the state average of $1,673 and 52% below the national average of $3,467. The company offers bundling discounts when you combine multiple policies and provides additional savings for installing home security systems.


Older Homes	$89	$1,066
Newer Homes	$61	$728
Young Homeowners	$85	$1,024
Senior Homeowners	$82	$986
High-Risk Fire Homes	$94	$1,129
Smaller Homes	$98	$1,171
Larger Homes	$122	$1,459

Mutual of Enumclaw lacks a J.D. Power rating, making it difficult to compare customer satisfaction against the industry average of 642 points. The company operates through local independent agents who provide personalized service for Idaho homeowners. Their digital tools are more limited than larger national insurers, which may not work for customers who prefer handling insurance online. This traditional approach appeals to homeowners who value in-person service over digital convenience.
Mutual of Enumclaw provides standard homeowners coverage with optional add-ons:
- Equipment breakdown: Covers repair or replacement of appliances and systems damaged by mechanical failure
- Water backup: Covers damage from water backing up through sewers or drains
- Identity theft protection: Covers expenses and provides assistance for identity theft recovery
- Service line coverage: Covers repair costs for damaged utility lines running to your home
- Scheduled personal property: Increases coverage for valuable items like jewelry and art beyond standard limits
- Inland flood: Covers flood damage away from coastal areas
- Green upgrades: Covers extra costs to rebuild with eco-friendly materials after a loss
- Cyber protection: Covers losses from cyber attacks and data breaches
- Umbrella coverage: Increases liability coverage beyond standard policy limits

Farmers

MoneyGeek Rating

4.3/ 5

4.7/5Affordability

4.1/5Customer Experience

3.1/5Coverage

J.D. Power Customer Satisfaction Score
631/1,000
Average Annual Premium
$1,600

pros
- Wide range of customizable coverage options available
- Strong financial stability with high ratings
- User-friendly digital tools for policy management and claims tracking
cons
- Add-on coverage may not be available in all regions
- Limited availability in some areas
- Claims process can be slower than expected in certain cases
Farmers offers Idaho homeowners competitive home insurance at $1,600 annually. The company excels with customizable coverage options that let homeowners tailor policies to their specific needs and circumstances. Farmers also provides replacement cost coverage for personal belongings, ensuring you receive full value replacement rather than depreciated amounts when filing claims.

Farmers charges $1,600 annually for home insurance in Idaho, which is 4% less than the state average of $1,673 and 52% below the national average of $3,467. Idaho homeowners can further reduce costs by bundling discounts when combining multiple policies and taking advantage of home security system installation discounts.


Older Homes	$135	$1,622
Newer Homes	$120	$1,435
Young Homeowners	$135	$1,626
Senior Homeowners	$123	$1,473
High-Risk Fire Homes	$149	$1,793
Smaller Homes	$119	$1,426
Larger Homes	$143	$1,717

Farmers earned 631 out of 1,000 points in J.D. Power customer satisfaction ratings, falling slightly below the industry average of 642. The company operates through local independent agents who provide personalized service tailored to Idaho homeowners' unique needs and local market knowledge. Farmers also offers a user-friendly online platform for policy management, giving customers both traditional agent support and modern digital convenience.
Farmers provides standard homeowners coverage with optional add-ons:
- Extended replacement cost: Pays up to 25% above your policy limit if rebuilding costs exceed the stated limit
- Guaranteed replacement cost: Covers the full cost to rebuild your home after covered losses, even beyond your policy limits
- Building ordinance or law: Covers upgrades required by law that weren't damaged in the loss
- Sewer and drain water damage: Pays to fix water damage from water backing up through drains and sumps
- Scheduled personal articles: Increases coverage for specific valuable items like jewelry, firearms and silverware
- Identity shield: Provides professional services after identity theft

Best Idaho Home Insurance by City

American Family ranks first in all five cities in Idaho. The insurer's annual premiums range from $879 to $1,082 across these locations.


Boise	American Family	$993
Caldwell	American Family	$961
Declo	American Family	$1,082
Georgetown	American Family	$1,073
Meridian	American Family	$879

Cheapest Idaho Home Insurance Companies

American Family delivers Idaho's cheapest home insurance at $980 annually, 41% below the state average of $1,673. Mutual of Enumclaw offers competitive rates at $1,008 per year, 40% under average. Idaho residents enjoy premiums 52% lower than the national average of $3,467, though costs vary among insurers. Idaho Farm Bureau represents the high end, 12% above national rates.

Guide to Finding the Best Idaho Home Insurance Company

Compare multiple providers based on your coverage needs, budget and service preferences.

Compare Quotes Strategically

Premiums among Idaho's leading providers range from $980 to $1,634 annually, so get quotes from at least three to five insurers. Don't shop by price alone. The cheapest policy might leave coverage gaps that surface only when you file a claim after severe weather. Compare cost against comprehensive protection.

Check Customer Satisfaction Metrics

Look beyond policy prices by checking complaint ratios through the Idaho Department of Insurance and reviewing J.D. Power scores, which range from 631 to 737 among Idaho's top providers compared to the 642 industry average. Focus on recent customer reviews about claims handling during Idaho's hail storm season rather than just policy purchase experiences.

Evaluate Coverage Needs

Consider extended or guaranteed replacement cost options since construction costs surge in Idaho after flooding and hailstorms. Base your coverage on replacement cost rather than market value, and review optional protections like flood insurance and wind/hail coverage for your home's specific risks in Idaho's climate.

Match Service Preferences to Provider Strengths

Digital-first insurers like Lemonade, Hippo and Root Insurance work well if you prefer online policy management, while State Farm, Farmers Insurance and Allstate offer strong local agent networks for in-person support. Match your service preferences to avoid paying for features you won't use.

IDAHO HOME INSURANCE RISKS

Idaho experienced over 1,000 wildfires in 2024 alone, according to the National Interagency Fire Center, and these fires are increasing in frequency and intensity across the state. Standard homeowners insurance covers wildfire damage to your property, but it doesn't cover flood damage that result from firefighting efforts or post-fire conditions. You'll need separate flood insurance coverage through your insurer or the National Flood Insurance Program to protect against water-related damages.

Top-Rated Home Insurance Companies in Idaho: FAQ

Explore our FAQ section for answers to common questions about selecting the right Idaho home insurance provider for your needs.

Does home insurance cover damage from fallen trees in Idaho?

Home insurance covers damage to your house from fallen trees when wind, lightning or other covered perils cause the tree to fall. However, your policy excludes damage from trees that fell due to rot or neglect, and won't cover tree removal unless it damaged a structure. Most policies limit tree removal coverage to $500 to $1,000 per tree.

What's the difference between replacement cost and actual cash value coverage?

Replacement cost coverage pays the full amount to rebuild your home or replace belongings at current market prices without factoring in depreciation. Actual cash value coverage deducts depreciation based on your property's age and condition, resulting in lower payouts. Actual cash value policies have lower premiums upfront, but they require you to pay more out of pocket when filing claims.

Does home insurance cover sinkholes in Idaho?

Most Idaho home insurance policies exclude sinkhole damage, as the state does not require insurers to offer this coverage. Southern Idaho, particularly areas near Boise and Twin Falls, faces higher sinkhole risk due to geological conditions. Review your policy's exclusions carefully and consider purchasing additional coverage if you live in these vulnerable regions.

Can I get home insurance if I have a trampoline or swimming pool?

You can obtain home insurance with a trampoline or swimming pool, though insurers consider these features significant liability risks. Most companies will require safety measures like nets and padding for trampolines, plus fencing and self-closing gates for pools. Expect higher premiums, coverage exclusions or requirements for additional liability protection of at least $300,000. Some insurers may exclude coverage for these amenities entirely.

Our Methodology: Determining the Best Idaho Home Insurers

Idaho's wildfire risks, winter storm exposure and fluctuating construction costs require a ranking system that balances affordable premiums with quality coverage and reliable claims handling.

We scored insurers across three factors:

Affordability (55%): We compared rates for identical coverage across major providers and evaluated discount availability.

Customer satisfaction (30%): J.D. Power ratings, Trustpilot reviews and app feedback reveal how insurers handle claims after storms damage your home.

Coverage options (15%): We assessed add-on availability, including water backup protection and inland flood options for Idaho's risks.

Our Sample Profile

Rates reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible.

Your rates will vary based on your home's age, location, claims history and credit score.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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sources

National Interagency Fire Center. "Coordination and cooperation in wildland fire management." Accessed February 2, 2026.