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, we researched the best homeowners insurance in Boise based on coverages, premiums, service and customer reviews.
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)
North End (83702)
Warm Springs Mesa (83712)
Central Bench (83705)
South Boise Village (83706)
Boise Junction (83704)
Harris Ranch (83716)
Northwest Boise (83714)
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 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 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 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 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 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.