Bonners Ferry Insurance Rates:

Bonners Ferry, ID homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Bonners Ferry, ID Homeowners Insurance By Home Value

Bonners Ferry, ID Home Value Total Homes % of Total Average Bonners Ferry, ID 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

Top Home Insurance Agents Near Bonners Ferry, ID

Home Insurance Company Near Bonners Ferry, ID Homeowners Insurance Agency Near Bonners Ferry, ID Address
NA Pace-Kerby & Co Inc P O Box 809 Bonners Ferry, Bonners Ferry, ID, 83805
State Farm Diane Blakely 6813 El Paso St Ste 2, Bonners Ferry, ID, 83805-8569
Travelers Isu-Pacific Far West Agency 1009 HIGHWAY 2 WEST STE D, SANDPOINT, ID, 83864
Travelers Summit Insurance Resource Group 1323 Highway 2 Suite 300, Sandpoint, ID, 83864
Travelers Thomas J Wood Insurance Agency 910 Montana Ave, Libby, MT, 59923

Cost Of Homeowners Insurance By Street Near Bonners Ferry, ID

Streets in Bonners Ferry Area Homeowners Insurance Cost
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

Bonners Ferry, ID Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Bonners Ferry$76 to $79
Boundary County$76
Moyie Springs$77
Sylvanite$116

Bonners Ferry, ID Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Boundary County, Idaho $64 $85 $128
Moyie Springs CCD, Boundary County, Idaho $65 $86 $129
South and West Boundary CCD, Boundary County, Idaho $64 $85 $128

Bonners Ferry, ID Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Bonners Ferry, ID4%13.6%
Boundary County3.74%13.75%
Moyie Springs3.46%13.08%
South and West Boundary3.64%16.9%

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

Bonners Ferry, ID Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$500$1,500
Yearly Bonners Ferry Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$500$1,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,900$6,300
Net Savings to Bonners Ferry Home Owner from High Deductible Plan $600

Bonners Ferry, ID Home Insurance Costs With Home Replacement Value Scenarios

Scenario Bonners Ferry, ID Home Replacement Value MORE than Home Value Bonners Ferry, ID Home Replacement Value LESS than Home Value
Replacement Value $213,500 $134,000
Insurance Premium based on Replacement Value $650 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $31,500 Risk Exposure from Under Insuring Coverage is $48,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $100/year

Example Bonners Ferry Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceAllstateLiberty Mutual
Monthly Premium 535645
Year Built 194320011960
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $200000-$250000$250000-$300000$200000-$250000
Deductible $1000-$2500 Deductible$1000-$2500 Deductible$500 Deductible

Sample Home Insurance Rates for Bonners Ferry, ID from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 225,000 Asphalt Shingles Roof 2,430 5 $1000-$2500 Deductible 290 5 Vinyl siding yes
1982 180,000 Tile Roof 1,720 3 $500 Deductible 380 7 Brick siding yes
1949 335,000 Slate Shingles Roof 2,930 4 $5000 to $10,000 Deductible 200 3 Stucco siding yes
1962 135,000 Asphalt Shingles Roof 1,490 3 $1000-$2500 Deductible 100 5 Fiber-Cement Siding yes
2010 250,000 Metal Roof 2,350 4 $500 Deductible 460 10 Brick siding No
1942 155,000 Composition Roof 1,290 3 $500- $1000 Deductible 200 6 Stucco siding yes
1981 370,000 Slate Shingles Roof 3,490 5 $2500-$5000 Deductible 50 1 Vinyl siding No
1966 165,000 Composition Roof 1,580 3 $5000 to $10,000 Deductible 230 10 Stone Siding yes
1981 215,000 Wood Shake Roof 2,170 5 $1000-$2500 Deductible 200 4 Stone Siding yes
1961 205,000 Wood Shake Roof 2,080 3 $500- $1000 Deductible 450 10 Wood siding No
2001 140,000 Asphalt Shingles Roof 1,650 5 $1000-$2500 Deductible 140 5 Stucco siding yes
1959 165,000 Composition Roof 1,750 3 $500 Deductible 290 7 Stucco siding No
1969 545,000 Wood Shake Roof 4,930 5 $500- $1000 Deductible 530 4 Stone Siding yes