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Find the Best Homeowners Insurance in Boise, ID

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.

Compare Boise Homeowners Insurance

EverQuote
  • Quotes from local agents and top insurers
  • Compare the lowest rates
  • Fast and free for homeowners
  • Available in Boise
Allstate
Overall satisfaction rating
  • Covers dwelling, liability, personal property, guest medical bills
  • Save 5% by setting up automatic payments
  • Get $100 off your deductible each claim-free year, up to $500
  • Available in Boise and nationwide
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Progressive
Overall satisfaction rating
  • #1 in online home insurance quotes
  • Several types of coverage
  • Protects against injuries & lawsuits
  • Available in Boise

Offers flexible coverage options and provides online quotes and claims. Discounts for bundled policies, new homeowners and houses with security systems. Provides 24/7 customer support.

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State Farm
Overall satisfaction rating
  • Bundle & save
  • Covers losses caused by many situations
  • Optional personal articles policy
  • Available in Boise

Offers policies with custom coverages and deductibles through national local agent networks. Discounts for bundled policies, home security and impact-resistant roofs. Online quotes, claims and policy management.

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GEICO
  • Several discounts to save you money
  • Coverage for rental properties
  • Multi-policy discount
  • Available in Boise
 Location
Serves residents in
Boise, ID
(800) 207-7847
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Ricketts & Associates
  • Independent insurance provider
  • Over three decades of experience
  • Several policies to fit your needs
  • Experienced team of insurance professionals
 Location
13177 W. Persimmon Ln.
Boise, ID 83713
(208) 322-5525
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Hartley Insurance
  • In business since 1982
  • Online quotes
  • Works with a variety of popular insurance providers
  • Coverage for rental properties
 Location
931 S. Allante Pl.
Boise, ID 83709
(208) 322-3473
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Insurance Services of Idaho
  • 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
Mustard Seed Financial & Insurance
  • M-F: 8am - 5pm
  • Closed Sat and Sun
  • mseedfinancial.com
 Location
501 S. Main St.
Boise, ID 83642
(208) 497-5651
Boise River Insurance
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • boiseriverinsurance.com
 Location
41 S. Baltic Ave., Ste. 100
Meridian, ID 83642
(208) 949-2222
Nationwide
  • M-Th: 9am - 5:30pm
  • F: 9am - 4pm
  • Closed Sat and Sun
  • nationwide.com
 Location
9504 Fairview Ave.
Boise, ID 83704
(208) 321-0081
Financial Insurance Group
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • idahosbestinsurance.com
 Location
8150 W. Emerald Ste. 190
Boise, ID 83704
(208) 991-3494
American Family Insurance
  • M-F: 9am - 5pm
  • Sat and Sun by appointment
  • amfam.com
 Location
4696 W. Overland Rd., Ste. 152
Boise, ID 83705
(208) 344-2985
Silver Key Insurance
  • M-F: 8am - 4pm
  • Closed Sat and Sun
  • silverkeyboise.com
 Location
10588 W. Business Park Ln.
Boise, ID 83709
(208) 855-9099

How to choose homeowners insurance in Boise

Boise Skyline

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) Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
North End (83702) $544 $952 $1,364
Warm Springs Mesa (83712) $549 $960 $1,375
Central Bench (83705) $508 $881 $1,267
South Boise Village (83706) $503 $872 $1,255
Boise Junction (83704) $530 $919 $1,324
Harris Ranch (83716) $575 $1,004 $1,441
Northwest Boise (83714) $554 $969 $1,388

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.

Homeowners Insurance Reviews

Allstate

Allstate is one of the country’s leading home insurers. Boise homeowners can work with a local agent to find coverage that meets their needs and budget. Optional coverages and features are available, including scheduled personal property coverage, Claim Rateguard and Deductible Rewards. Get discounts for bundling home and auto policies, being a responsible payer, being a recent homebuyer and having in-home protective devices. Allstate has multiple agents in Boise, including Eric Jeglum at 894 E. Boise Ave., Boise, ID 83706.

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Progressive

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.

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State Farm

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.

 State Farm

GEICO

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.

 GEICO

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.

 Ricketts & Associates

Hartley Insurance

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.

 Hartley Insurance