Nampa Insurance Rates:

Nampa, ID home insurance is nearly $425 to $575, about $35-$47/month. Our exhaustive guide indicates shoppers can save upto $200 by comparing different quotes

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Nampa Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $790/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $250,000

5 Beds, 5 Baths 2580 sqft Rental Property Constructed In 1982 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Fire Extinguisher, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

66 Years old Single Male who is Retired and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $100/1 month for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $315,000

4 Beds, 4 Baths 3140 sqft Rental Property Constructed In 1984 with Ceramic Tile Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Central Air Conditioning, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

57 Years old Married Male who is a Freelancer with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $240/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $335,000

5 Beds, 5 Bath 4800 sqft Rental Property Constructed In 1981 with Linoleum, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Deadbolt Locks, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

34 Years old Married Female who is a Freelancer with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $700/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $245,000

4 Beds, 4 Baths 2520 sqft Primary Residence Constructed In 2013 with Carpet over wood flooring, Asphalt Shingles Roof, Chainwall Foundation, Wood siding, Stucco Construction. Home Features Include Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Single Female 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

  • 750-799 Credit Score

  • Guests at home

Nampa, ID Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
83686 $152,100 $520
83687 $136,500 $510
83651 $112,500 $500

Nampa Rates & Quotes Analysis:

Nampa Area Estimated House Insurance
Yucca Pl, 2nd St S, S Montego Way, Paraiso St, E Oak Ave, Burnett Dr, W Mill Ct, S Pit Ln, S Secretariat Way, E Sharon's Dr$509
Briarwood Dr, 1st St S, High Ct, 2nd Ave N, Shiloh Dr, W Cobblestone Pl, Can-Ada Rd, E Thomas Mill Dr, N Delvin Way, Regence Way$496
5th St S, E Sir Patrick Ct, W Crested Butte Ct, W Eaglecrest Dr, Lincoln Rd, N Canyon St, Wilbeth Dr, S Can Ada Rd, S Juniper St, S Abbot-Downing Way$490
S Florence St, W Island Ct, E Laguna Ave, Commanche St, Graye Ln, N Midsummers Ln, Settlers Ave, N Ada Pl, Pearl Pointe Dr, E Massachusetts Ave$513
Lynwood Dr, N Mattie Dr, N Franklin Blvd, E Flamingo Ave, E Colter Bay Dr, Shannon Dr, Laster St, Beckley Ct, Desert Way, N Gateway St$501
Forsythia Ct, 44th St N, Franklin Blvd, Clark Pl, Woodbury Pl, N Werrington Ct, Rainbow Dr, Locust St, E Victory Rd, Viceroy Ave$502
Evergreen Way, N Marketplace Blvd, N Bailey Ln, W Mc Graw Dr, Spicebush Ave, la Pine Rd, McDermott Rd, Davis Ave, W Honeysuckle Ave, N Sugar St$496
W Hawaii Ave, Woodgate St, Fern St, Newhaven St, Sioux St, Shelby St, S Oxbow Dr, N Adams St, Central Gem Ct, Wright Ln$495
Meeker Ave, Meyer Ave, Portsmouth Way, W Young Ave, W Dallen Woods Way, N Kildeer Way, Wyeth Ave, Robinson Rd, N Kcid Rd, Big Valley St$500
W Charlotte Ct, Jerica Ct, S 26th St, Harding Pl, Grouse St, Abram Ave, Delaware Ave, Fowler Ln, E Michigan Ave, Cherry Ln$497

Insurance rates are influenced by a number of factors including:

  • Year Built: 5,715 Homes (13% of total) built between 1970 to 1979 in Nampa are paying home insurance between $811-$819 in contrast with Meridian (+$32), Huston (+$27), Star (+$21), Caldwell (-$15) and Homedale (-$17).
  • Bedrooms: 21,593 3 bedrooms homes (50% of total homes ) in Nampa are paying about $450. Areas near to Nampa such as Meridian, Huston, Star are costlier by $18, $11, $13 respectively whereas Caldwell and Canyon County are more economical by $12, $4 respectively for similar homes.
  • Auto Insurance Bundling: 12,092 Households (43% of all households) in Nampa have 2 vehicles available and when it is bundled with home insurance you can save $100 and differs from Caldwell ($98), Canyon County ($100), Meridian ($104).
  • Senior Discounts: 11,105 seniors (more than 55 years) occupied housing units (40% of total) in Nampa get discounts between $74 to $77 in contrast with Caldwell ($73), Canyon County ($75), Meridian ($78).
  • New Homes discounts: New homes such as the 28,510 homes built between 2000 to 2009 in Nampa can save $100 in contrast with Caldwell ($98), Canyon County ($100), Meridian ($104).

Nampa Homeowners insurance Facts

  • Nampa, ID has 27,622 owner occupied houses which is 70.3% of all units whereas Caldwell, Canyon County and Meridian have 65.06%, 70.61% and 75.5% respectively.
  • Nampa, ID homeowners yearly insurance price at $500 is 0.38% of the typical house value of $132,100 which is in contrast with 0.46% in Caldwell, 0.37% at Canyon County & 0.27% in Meridian.
  • Homeowners in Nampa, ID pay 10.0% of their income (Less than $10,000) in insurance whereas homeowners in Caldwell, Canyon County and Meridian pay 9.84%, 10.02% and 10.4% respectively.
  • Nampa, ID’s insurance is 3.6% of monthly housing costs of $1,165/month, for owners with a mortgage compared to 3.9% in Caldwell, 3.57% at Canyon County & 2.91% in Meridian. But, for households without a mortgage, insurance is 13.1% of costs ($318 in Nampa, ID) in contrast with 12.77% in Caldwell, 12.81% at Canyon County & 12.97% in Meridian.

Nampa, ID Home Values & Insurance rates

For example, insurance for 1,452 Homes (5.0% of total homes ) valued between Less than $50,000 in Nampa, ID is about $90. Rates in nearby areas in such as Meridian, Huston, Kuna are cheaper by $28, $23, $5 respectively while Caldwell and Greenleaf are costlier by $23 and $4 respectively for similar homes.

Nampa, ID Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,452 5.0% $90
$50,000 to $59,999 596 2.0% $195
$60,000 to $69,999 933 3.0% $245
$70,000 to $79,999 1,320 4.0% $280
$80,000 to $89,999 2,125 7.0% $320
$90,000 to $99,999 1,723 6.0% $355
$100,000 to $124,999 4,580 16.0% $415
$125,000 to $149,999 3,791 14.0% $520
$150,000 to $174,999 3,485 12.0% $615
$175,000 to $199,999 1,767 6.0% $705
$200,000 to $249,999 2,420 8.0% $850
$250,000 to $299,999 1,514 5.0% $1040
$300,000 to $399,999 1,347 4.0% $1320

Renters Insurance in Nampa

  • Average Renters Insurance in Nampa :  $186($15/month)

  • Median Gross Rent in Nampa :  $768

  • Nampa Renters Insurance to Median Rent Ratio:  1.95%

  • Average household size of renter-occupied unit :  3.01

Nampa Renters Insurance as a Percentage of Rent

Nampa Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 288 2.0% $796
$300 to $499 949 8.0% $1246
$500 to $749 3,967 35.0% $1921
$750 to $999 3,361 30.0% $2671
$1,000 to $1,499 2,307 20.0% $3796

Rent Affordability in Nampa:

Approximately 45.0% (5,344) of households are spending more than 35% of their income on gross rent in Nampa

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 834 7.0%
15.0 to 19.9 percent 1,607 13.0%
20.0 to 24.9 percent 1,553 13.0%
25.0 to 29.9 percent 1,160 9.0%
30.0 to 34.9 percent 1,179 10.0%
35.0 percent or more 5,344 45.0%

Protective device discount in Nampa Up to :  $27

Claims-free discount in Nampa Up to :  $37