Best Homeowners Insurance in Idaho (2024)

While the best home insurance in Idaho may change based on individual needs, American Family stands out as the overall top provider for most homeowners. If price is your primary concern, American Family, offering the most affordable coverage, is also ideal for those with higher-value homes, simplifying your choice across different criteria.

We evaluated policies using a dwelling coverage limit of $100,000 for quoting purposes. Remember, the dwelling coverage amount is significant and affects your premium. MoneyGeek also scrutinized the cheapest home insurance in Idaho, focusing on costs without weighing service quality.

American Family emerges as the leading provider offering the best home insurance in Idaho. For those seeking the best overall homeowners insurance providers in the state, look at the list below which captures the top two rankings.

• American Family: MoneyGeek score of 91 out of 100 ($560 per year)
• Nationwide: MoneyGeek score of 80 out of 100 ($553 per year)

In Idaho, homeowners are presented with a spectrum of insurance companies, each featuring different costs and levels of service. It’s imperative to strike a balance between affordability and quality service to cater to your unique needs as a homeowner.

American Family emerges as the foremost provider offering the best home insurance in Idaho based on service quality. Below are the best homeowners insurance providers in Idaho for unbeatable service quality.

• American Family: MoneyGeek score of 89 out of 100 ($560 per year)
• State Farm: MoneyGeek score of 77 out of 100 ($921 per year)

Valuing service quality in a home insurance provider ensures personalized attention and prompt assistance when you need it the most.

American Family is the leading choice for the cheapest home insurance in Idaho. Take a look at the best and cheapest homeowners insurance providers in Idaho for those on a budget below.

• American Family: MoneyGeek score of 91 out of 100 ($560 per year)
• Nationwide: MoneyGeek score of 86 out of 100 ($553 per year)

A provider with the lowest premiums does not always provide the best service. Considering the average cost of home insurance in Idaho, it's wise to choose a company that offers a balance of value and service.

American Family offers the best home insurance in Idaho for those with expensive homes. These providers stand out for individuals requiring $1 million in dwelling coverage.

• American Family: MoneyGeek score of 90 out of 100 ($3,463 per year)
• State Farm: MoneyGeek score of 82 out of 100 ($4,183 per year)

Owning an expensive home often means more coverage, which in turn influences the cost. It's essential to choose a provider that skillfully balances affordability with comprehensive coverage.

Nationwide stands as the premier choice for the best home insurance for Idahoans with new homes.

• Nationwide: MoneyGeek score of 100 out of 100 ($677 per year)

Nationwide's unbeatable MoneyGeek affordability score, combined with a stellar service score, provides homeowners with an exceptional balance of cost efficiency and quality service. This assures a high-value proposition for discerning homeowners in Idaho.

For veterans and active military members, American Family offers top-quality home insurance in Idaho, achieving the highest MoneyGeek score for this group. Take a look at the best and cheapest homeowners insurance providers in Idaho for veterans and military families below:

• American Family: MoneyGeek score of 79 out of 100 ($560 per year)
• Nationwide: MoneyGeek score of 77 out of 100 ($553 per year)

The premier Homeowners insurance for veterans goes beyond basic coverage; it appreciates the nuances of military life, such as frequent moves and deployments, and ensures robust protection for homes and possessions at all times.

The best homeowners insurance providers offer an ideal balance between quality and cost, ensuring excellent customer service and comprehensive coverage at reasonable premiums. The optimal policy for you will depend on your individual needs and circumstances. We detail the steps necessary to guide you through the selection of the best homeowners insurance to protect your home and belongings effectively.

Finding the best homeowners insurance provider in Idaho hinges on aligning with your unique needs. As you navigate the options, you might have questions about coverage, cost and customer service. We've compiled a list of frequently asked questions about the best homeowners insurance providers.