Payette Insurance Rates:

Payette, ID home insurance is about $421 to $572, about $35-$47/month. Our detailed guide reveals consumers can save upto $198 by getting many quotes

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Payette Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Liberty Mutual
Home Insurance Rate of $560/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $200,000

3 Beds, 3 Baths 2220 sqft Primary Residence Constructed In 1968 with Carpet Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Swimming Pool, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Divorced Male who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $60/3 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Bath 1840 sqft Primary Residence Constructed In 1943 with Stone Flooring, Slate Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Smoke Alarm, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

32 Years old Married Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $120/7 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

2 Beds, 2 Bath 1350 sqft Vacation Property Constructed In 2008 with Hardwood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Married Female who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $140/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $80,000

3 Beds, 3 Bath 1260 sqft Rental Property Constructed In 1941 with Wood Flooring, Composition Roof, Piers Foundation, Vinyl siding, Wood Frame. Home Features Include Copper Water Pipes, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $90/2 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $220,000

4 Beds, 4 Baths 2800 sqft Primary Residence Constructed In 2003 with Wood Flooring, Shingles Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Divorced Female who is a Freelancer with household income of $50-$75,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $160/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1850 sqft Primary Residence Constructed In 2011 with Ceramic Tile Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Deadbolt Locks, Copper Water Pipes, Fire Extinguisher, Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $260/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Baths 1510 sqft Vacation Property Constructed In 1994 with Hardwood Flooring, Tile Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

54 Years old Married Female who has a Full Time Job with household income of more than $150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Guests at home

Home Insurance Rate of $200/10 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1720 sqft Seasonal Residence Constructed In 1989 with Linoleum, Wood Shake Roof, Chainwall Foundation, Brick siding, Brick Frame. Home Features Include Fire Extinguisher, Swimming Pool, Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Payette, ID Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
83661 $118,400 $500

Payette Rates & Quotes Analysis:

Payette Area Estimated House Insurance
N 21st St, 3rd Ave S, Iowa Ave, S 12th St, 1st Ave S, Driftwood Dr, Hanson Ln, Kirk Ln, Silver Sage Ln, NE 19th Ave$499
NE 17th Ave, 12th Ave S, Paddock Valley Rd, NE 16th Ave, S 19th St, N 7th St, Beverly Hills Dr, Banks Rd, Moss Dr, Roxy Cir$494
State Hwy 52, 15th Ave N, S Main St, Vista Rd, Black Bridge Rd, S 10th St, S 9th St, N 8th St, N 5th St, Decker Dr$496
NE 15th Ave, S 18th St, N Iowa Ave, S 10th St, NE 10th Ave, Bonnie Dr, 1st Ave S, 2nd Ave S, N River Rd, N 18th St$504
US Hwy 95 Bus, N 2nd St, Willow Creek Rd, S 15th St, Fort Wilson Dr, Uehlin Dr, S 15th St, 4th Ave N, 7th Ave N, Perry Dr$499

Insurance rates are influenced by a number of factors including:

  • Year Built: 922 Homes (23% of total homes ) built between 1970 to 1979 in Payette are paying home insurance between $803-$811. Places close to Payette, ID such as New Plymouth, Emmett Bench, Gem County are more expensive by $12, $26, $18 respectively while Dead Ox Flat(OR) and Ontario(OR) are cheaper by $97 and $107 respectively for similar homes.
  • Bedrooms: 1,628 3 bedrooms homes (42% of total homes ) in Payette are paying about $447 and differs from Payette County (+$4), Emmett Bench (+$9), Gem County (+$10), Dead Ox Flat(OR) (-$189) and Ontario(OR) (-$193).
  • Auto Insurance Bundling: 749 Households (33% of all households) in Payette have 3 or more vehicles available and when it is bundled with home insurance you can save $124 compared to Payette County ($125), New Plymouth ($125), Emmett Bench ($128).
  • Senior Discounts: 1,169 seniors (more than 55 years) occupied housing units (51% of total) in Payette get discounts between $74 to $76. The comparative concessions in proximate regions such as Payette County, Emmett Bench and Dead Ox Flat(OR) are $75, $76 and $65 respectively.
  • New Homes discounts: New homes such as the 1,441 homes built between 2000 to 2009 in Payette can save $99 and similar new home insurance discounts in nearby towns and cities like Payette County, New Plymouth and Emmett Bench are $100, $100 and $102 respectively.

Payette Homeowners insurance Facts

  • Payette, ID has 2,251 owner occupied houses which is 66.4% of all units whereas Payette County, New Plymouth and Emmett Bench have 75.94%, 81.27% and 82.05% respectively.
  • Payette, ID homeowners yearly insurance price at $496 is 0.42% of the typical house value of $119,400 which is in contrast with 0.37% in Payette County, 0.36% at New Plymouth & 0.3% in Emmett Bench.
  • Homeowners in Payette, ID pay 0.73% of their income ($60,000 to $74,999) in insurance whereas homeowners in Payette County, New Plymouth and Emmett Bench pay 0.74%, 0.75% and 0.76% respectively.
  • Payette, ID’s insurance is 3.7% of monthly housing costs of $1,107/month, for owners with a mortgage compared to 3.53% in Payette County, 3.86% at New Plymouth & 3.67% in Emmett Bench. But, for households without a mortgage, insurance is 14.7% of costs ($282 in Payette, ID) in contrast with 13.6% in Payette County, 12.9% at New Plymouth & 14.46% in Emmett Bench.

Payette, ID Home Values & Insurance rates

For example, insurance for 58 Homes (2.0% of total homes ) valued between $70,000 to $79,999 in Payette, ID is about $307. Rates in nearby areas in such as Payette County, New Plymouth, Dead Ox Flat are cheaper by $32, $41, $120 respectively while Nyssa and Caldwell are costlier by $14 and $37 respectively for similar homes.

Payette, ID Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 210 9.0% $99
$50,000 to $59,999 42 1.0% $213
$60,000 to $69,999 96 4.0% $267
$70,000 to $79,999 58 2.0% $307
$80,000 to $89,999 102 4.0% $352
$90,000 to $99,999 155 6.0% $391
$100,000 to $124,999 595 26.0% $456
$125,000 to $149,999 205 9.0% $570
$150,000 to $174,999 325 14.0% $674
$175,000 to $199,999 121 5.0% $778
$200,000 to $249,999 148 6.0% $932
$250,000 to $299,999 138 6.0% $1140
$300,000 to $399,999 48 2.0% $1453

Renters Insurance in Payette

  • Average Renters Insurance in Payette :  $198($16/month)

  • Median Gross Rent in Payette :  $655

  • Payette Renters Insurance to Median Rent Ratio:  2.44%

  • Average household size of renter-occupied unit :  2.51

Payette Renters Insurance as a Percentage of Rent

Payette Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 49 4.0% $799
$300 to $499 291 27.0% $1249
$500 to $749 423 40.0% $1924
$750 to $999 261 24.0% $2674
$1,000 to $1,499 23 2.0% $3799

Rent Affordability in Payette:

Approximately 50.0% (574) of households are spending more than 35% of their income on gross rent in Payette

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 94 8.0%
15.0 to 19.9 percent 73 6.0%
20.0 to 24.9 percent 130 11.0%
25.0 to 29.9 percent 124 10.0%
30.0 to 34.9 percent 143 12.0%
35.0 percent or more 574 50.0%

Protective device discount in Payette Up to :  $29

Claims-free discount in Payette Up to :  $39