Bonners Ferry Insurance Rates:

Bonners Ferry, ID home insurance is about $432 to $593, about $36-$49/month. Our thorough guide reveals consumers can save as much as $205 by comparing different quotes

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Bonners Ferry, Idaho Homeowners Insurance Reviews reveal the good & the bad so that you can compare the cheapest quotes from the best

Bonners Ferry Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $100/5 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Baths 1490 sqft Primary Residence Constructed In 1962 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Fireplace, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $460/10 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $250,000

4 Beds, 4 Bath 2350 sqft Seasonal Residence Constructed In 2010 with Wood Flooring, Metal Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Divorced Male who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $200/6 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Bath 1290 sqft Rental Property Constructed In 1942 with Linoleum, Composition Roof, Slab Foundation, Stucco siding, Brick Frame. Home Features Include Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $50/1 month for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $370,000

5 Beds, 5 Baths 3490 sqft Primary Residence Constructed In 1981 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $230/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Bath 1580 sqft Rental Property Constructed In 1966 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Deadbolt Locks, Swimming Pool, Fire Extinguisher, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Married Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $200/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $215,000

5 Beds, 5 Baths 2170 sqft Vacation Property Constructed In 1981 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

39 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $450/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Baths 2080 sqft Rental Property Constructed In 1961 with Hardwood Flooring, Wood Shake Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Fireplace, Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $140/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $140,000

5 Beds, 5 Bath 1650 sqft Rental Property Constructed In 2001 with Stone Flooring, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $290/7 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 1750 sqft Rental Property Constructed In 1959 with Wood Flooring, Composition Roof, Chainwall Foundation, Stucco siding, Brick Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

36 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $530/4 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $545,000

5 Beds, 5 Baths 4930 sqft Vacation Property Constructed In 1969 with Hardwood Flooring, Wood Shake Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

52 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Bonners Ferry, ID Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
83805 $173,100 $510

Bonners Ferry Rates & Quotes Analysis:

Bonners Ferry Area Estimated House Insurance
Quiet Pl, US Hwy 2, Basin Ln, Westside Rd, Little Bear Rd, W Side Rd, Copeland Hill Rd, Moyie River Rd, Juniper Ln, Avonlea Farm Rd$514
Cottonwood Rd, Cassia St, Co Rd 29, Old Hwy Two Lp, Co Rd 72, French Point Dr, Jefferson St, Co Rd 72 A, Joyce Pl, Lucky Ln$519
Black Bear Rd, Honeysuckle Ln, V-6 Rd, Co Rd 7, Co Rd 24, Paradise Valley Rd, Bunny Ln, Baxter St, Osprey Rd, Two Tail Rd$513
Twenty Mile Rd, Dusty Ln, Kennedy St, Co Hwy 21D, Colts Rd, Co Rd 14, Co Rd 73C, Glengary Rd, Bane Ln, Parsons Rd$515
Corvus Dr, Deep Creek Loop, Crow Rd, Riverside St, Ponderosa Way, Syringa Dr, David Thompson Dr, Shamrock Rd, Colorado St, Co Rd 51-1$520

Insurance rates are influenced by a number of factors including:

  • Year Built: 537 Homes (19% of total homes ) built between 1990 to 1999 in Bonners Ferry are paying home insurance between $740-$747. Places close to Bonners Ferry, ID such as Sylvanite(MT), Troy(MT), Sandpoint are more expensive by $384, $378, $29 respectively while Kootenai and Oldtown are cheaper by $12 and $41 respectively for similar homes.
  • Bedrooms: 462 4 bedrooms homes (16% of total homes ) in Bonners Ferry are paying about $672 and differs from Moyie Springs (+$6), Sylvanite(MT) (+$45), Troy(MT) (+$34), Kootenai (-$11) and Ione-Metaline Falls(WA) (-$118).
  • Auto Insurance Bundling: 801 Households (48% of all households) in Bonners Ferry have 3 or more vehicles available and when it is bundled with home insurance you can save $128 in contrast with Boundary County ($128), Moyie Springs ($129), South and West Boundary ($128).
  • Senior Discounts: 990 seniors (more than 55 years) occupied housing units (59% of total) in Bonners Ferry get discounts between $76 to $79 and differs from Boundary County ($76), Moyie Springs ($77), Sylvanite(MT) ($116).
  • New Homes discounts: New homes such as the 1,118 homes built between 2000 to 2009 in Bonners Ferry can save $102 compared to Boundary County ($102), Moyie Springs ($103), South and West Boundary ($102).

Bonners Ferry Homeowners insurance Facts

  • Bonners Ferry, ID has 1,667 owner occupied houses which is 68.8% of all units whereas Boundary County, Moyie Springs and South and West Boundary have 75.64%, 87.91% and 83.04% respectively.
  • Bonners Ferry, ID homeowners yearly insurance price at $513 is 0.3% of the typical house value of $172,800 which is in contrast with 0.29% in Boundary County, 0.28% at Moyie Springs & 0.3% in South and West Boundary.
  • Homeowners in Bonners Ferry, ID pay 1.21% of their income ($40,000 to $44,999) in insurance whereas homeowners in Boundary County, Moyie Springs and South and West Boundary pay 1.21%, 1.22% and 1.21% respectively.
  • Bonners Ferry, ID’s insurance is 4% of monthly housing costs of $1,069/month, for owners with a mortgage compared to 3.74% in Boundary County, 3.46% at Moyie Springs & 3.64% in South and West Boundary. But, for households without a mortgage, insurance is 13.6% of costs ($314 in Bonners Ferry, ID) in contrast with 13.75% in Boundary County, 13.08% at Moyie Springs & 16.9% in South and West Boundary.

Bonners Ferry, ID Home Values & Insurance rates

For example, insurance for 214 Homes (14.0% of total homes ) valued between $200,000 to $249,999 in Bonners Ferry, ID is about $666. Rates in nearby areas in such as Boundary County, Moyie Springs, South and West Boundary are cheaper by $5, $50, $5 respectively while Sylvanite and Troy are costlier by $229 and $279 respectively for similar homes.

Bonners Ferry, ID Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 55 3.0% $71
$50,000 to $59,999 20 1.0% $153
$60,000 to $69,999 65 4.0% $189
$70,000 to $79,999 69 4.0% $220
$90,000 to $99,999 23 1.0% $277
$100,000 to $124,999 250 16.0% $323
$125,000 to $149,999 150 9.0% $405
$150,000 to $174,999 212 13.0% $482
$175,000 to $199,999 239 15.0% $554
$200,000 to $249,999 214 14.0% $666
$250,000 to $299,999 134 8.0% $815
$300,000 to $399,999 89 5.0% $1036

Renters Insurance in Bonners Ferry

  • Average Renters Insurance in Bonners Ferry :  $148($12/month)

  • Median Gross Rent in Bonners Ferry :  $665

  • Bonners Ferry Renters Insurance to Median Rent Ratio:  1.8%

  • Renter occupied housing units in Bonners Ferry :  757

Bonners Ferry Renters Insurance as a Percentage of Rent

Bonners Ferry Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 25 4.0% $337
$200 to $299 26 4.0% $787
$300 to $499 47 8.0% $1237
$500 to $749 274 48.0% $1912
$750 to $999 106 18.0% $2662
$1,000 to $1,499 89 15.0% $3787

Rent Affordability in Bonners Ferry:

Approximately 58.0% (442) of households are spending more than 35% of their income on gross rent in Bonners Ferry

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 58 7.0%
15.0 to 19.9 percent 99 13.0%
20.0 to 24.9 percent 63 8.0%
25.0 to 29.9 percent 68 8.0%
30.0 to 34.9 percent 27 3.0%
35.0 percent or more 442 58.0%

Bonners Ferry Renters Insurance Discounts:

Bonners Ferry Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Bonners Ferry, ID Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 301 39.0% $14.8
2 vehicles available 250 33.0% $22.2
3 or more vehicles available 113 14.0% $29.6

Bonners Ferry Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 32 4.0% $66
60 to 64 years 9 1.0% $53
65 to 74 years 49 6.0% $43
75 years and over 121 15.0% $33

Protective device discount in Bonners Ferry Up to :  $22

Claims-free discount in Bonners Ferry Up to :  $29