Caldwell Insurance Rates:

Caldwell, ID homeowners insurance is approximately $418 to $567, about $34-$47/month. Our in depth analysis shows customers can save upto $196 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
I don't like the fact that my annual insurance premiums continue to rise greater than the rate of inflation every year.
Westfield Insurance
The rates charged by the company are very competitive and do not contain higher deductibles for certain kinds of damage (i.e. hail). they provide good coverage at affordable rates.
Country Financial
One thing i really like about them is that when i call i get someone and most of the time it is my rep. if i send an email, i get a response the same day. this is a big deal for me because my previous company was not like this.
Farm Bureau
I have had this company since I bought my home. They are friendly and easy to work with. At the time, I checked out a couple of others. But I have not shopped around since. I have a mortgage and the premium is included in my payment. It has gone down a bit and I'm satisfied with the company
State Farm
When I made the decision to go with Farmers for home insurance, I needed insurance that would fit my budget. Farmers offered the necessary coverage and it was more affordable than the other quotes offered by other companies.
State Farm
I LIKE THE IMMEDIATE AVAILABILITY OF A LIVE PERSON. I HAVE NEVER HAD TO LEAVE A MESSAGE OR WAIT FOR RETURN CALLS. THEY ARE AVAILABLE IMMEDIATELY BY TEXT ALSO WHICH IS VERY CONVENIENT
Nationwide
Pretty good, they were responsive and always polite and helpful, they as also local do I del a connection

Caldwell, ID Homeowners Insurance By Home Value

Caldwell, ID Home Value Total Homes % of Total Average Caldwell, ID Homeowners Insurance
Less than $50,000 1,115 11.0% $113
$50,000 to $59,999 205 2.0% $241
$60,000 to $69,999 272 2.0% $295
$70,000 to $79,999 758 7.0% $344
$80,000 to $89,999 1,135 11.0% $388
$90,000 to $99,999 1,054 10.0% $437
$100,000 to $124,999 1,786 17.0% $506
$125,000 to $149,999 1,434 14.0% $629
$150,000 to $174,999 1,181 11.0% $747
$175,000 to $199,999 603 6.0% $861
$200,000 to $249,999 285 2.0% $1038

Top Home Insurance Agents Near Caldwell, ID

Home Insurance Company Near Caldwell, ID Homeowners Insurance Agency Near Caldwell, ID Address
State Farm Bob Herring 1523 E Boise Ave, Boise, ID, 83706-5064
Farmers Brian Frechette 1789 S Broadway Ave, Boise, ID, 83706
Allstate Buck Ins Group Inc 602 S Washington Ave, Emmett, ID, 83617
State Farm Rich Jarvis Clu, Lutcf, Chfc 804 Third Street South, Nampa, ID, 83651-3815
Farmers Shawn Brunson 100 W Overland Rd Ste 105, Meridian, ID, 83642

Cost Of Homeowners Insurance By Street Near Caldwell, ID

Streets in Caldwell Area Homeowners Insurance Cost
E Easy St, Saddlehorn Way, Aries Dr, Carolina St, N 4th Ave, Aqua Ave, W Eaglecrest Dr, Washington Ave, Harvester Ave, Gloria Rd$495
N Freeman Ct, N 5th Ave, N Sussex Ln, W Mc Graw Dr, Arlington Ave, Lancelot Ct, Condor Ct, Rainbow Ct, Gemini Dr, Newcastle Ct$504
W Willow Ave, Borchers Ln, W Oak St, Bismark Ave, Shelby St, Oregon Ave, Sunset Ave, Town Cir, Country Ln, N Scottish St$493
Carol Ct, Tyler St, Copper St, E Homedale Rd, Edmund St, Alverta Ave, Aviation Way, Saffron Dr, Chance St, Linfield Pl$500
4th St N, Pixie St, Saint Joe Ln, E Maple St, Paoletti St, Settlers Ave, Bridepart St, Navaho Cir, Manning Ct, Montclair Way$503
W Ithaca St, Silver Pl, Marble Front Rd, Larch St, Bison Way, Powderhorn Ln, Boehner Rd, N 3rd Ave, Sequoia Grove Way, Berrypark Pl$496
Abbey Ct, N Parkdale Ave, W Concord St, Sir James Ave, S Illinois Ave, N Lake Ave, Moonlight Dr, Lapwai Pl, War Eagle Rd, Ellis Ave$494
Mink Rd, Goldstream Ct, New Castle Dr, Cultivator St, Landon Ln, N 21st Ave, N Kettering Ct, Fillmore St, E Dannsmore Dr, Meadow Ave$528
Alicia St, State Hwy 19, W Blueberry Ave, Burnie Dr, E Karcher Rd, N Red Fir Dr, Rainbow Ridge, Willis Rd, Bee Ln, Stallion Spring Ave$488
Rose Park Dr, Flamingo Ave, N Diamond Peak Dr, Cada Ln, N Saint Helens Dr, N Bonner Pl, Billings Dr, Ranch Rd, Jade Ave, Bountiful Ave$486

Caldwell, ID Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Caldwell$73 to $76
Canyon County$75
Middleton$77
Greenleaf$74

Caldwell, 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
Canyon County, Idaho $75 $100 $150
Nampa CCD, Canyon County, Idaho $75 $100 $150
Middleton CCD, Canyon County, Idaho $77 $103 $155

Caldwell, 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
Caldwell, ID3.9%12.8%
Canyon County3.57%12.81%
Nampa3.58%13.1%
Middleton3.13%12.37%

Caldwell Renters Insurance as a Percentage of Rent

Caldwell Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 92 1.0% $352
$200 to $299 244 4.0% $802
$300 to $499 693 13.0% $1252
$500 to $749 1,806 34.0% $1927
$750 to $999 1,402 27.0% $2677
$1,000 to $1,499 923 17.0% $3802

Caldwell, ID Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Caldwell Homeowner Insurance Premium Example $500$300
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $5,000$4,400
Net Savings to Caldwell Home Owner from High Deductible Plan $600

Caldwell, ID Home Insurance Costs With Home Replacement Value Scenarios

Scenario Caldwell, ID Home Replacement Value MORE than Home Value Caldwell, ID Home Replacement Value LESS than Home Value
Replacement Value $249,500 $157,000
Insurance Premium based on Replacement Value $625 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $52,500 Risk Exposure from Under Insuring Coverage is $40,000
Premium Impact Insurance cheaper by $100/year Insurance costlier by $125/year

Example Caldwell Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateNationwide InsuranceAmica Mutual Insurance Company
Monthly Premium 323599
Year Built 200520121985
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 4 Baths
Coverage Amount $150000-$175000$125000-$150000$400000-$500000
Deductible $500 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1986 130,000 Shingles Roof 1,530 3 $2500-$5000 Deductible 120 5 Stucco siding yes
2008 135,000 Composition Roof 1,610 3 $500- $1000 Deductible 40 1 Brick siding No
1982 145,000 Composition Roof 1,970 3 $500 Deductible 270 8 Stone Siding No
2009 335,000 Composition Roof 4,690 5 $500 Deductible 560 6 Vinyl siding No
2012 160,000 Metal Roof 1,970 5 $1000-$2500 Deductible 540 12 Fiber-Cement Siding No
2003 155,000 Asphalt Shingles Roof 1,780 3 $500 Deductible 80 2 Vinyl siding No
2002 250,000 Membrane Roof 3,780 5 $5000 to $10,000 Deductible 460 10 Stucco siding No
1986 185,000 Metal Roof 2,310 3 $2500-$5000 Deductible 170 5 Vinyl siding yes
1989 105,000 Membrane Roof 1,470 3 $500- $1000 Deductible 120 6 Brick siding No
2011 150,000 Shingles Roof 1,730 3 $2500-$5000 Deductible 340 12 Vinyl siding yes
2007 215,000 Metal Roof 2,560 5 $500- $1000 Deductible 160 4 Wood siding No
2003 105,000 Asphalt Shingles Roof 1,810 3 $500 Deductible 20 1 Fiber-Cement Siding yes
2008 120,000 Shingles Roof 1,460 3 $2500-$5000 Deductible 110 6 Vinyl siding yes
2007 185,000 Wood Shake Roof 2,380 3 $500 Deductible 380 6 Stucco siding No
2010 105,000 Shingles Roof 1,360 3 $1000-$2500 Deductible 30 1 Wood siding No
2014 135,000 Slate Shingles Roof 1,780 4 $500- $1000 Deductible 70 2 Fiber-Cement Siding yes
2000 160,000 Wood Shake Roof 2,100 4 $5000 to $10,000 Deductible 300 10 Brick siding No
2002 140,000 Composition Roof 2,010 3 $500 Deductible 40 1 Wood siding yes
2003 205,000 Asphalt Shingles Roof 2,690 5 $5000 to $10,000 Deductible 270 10 Fiber-Cement Siding yes
1984 115,000 Wood Shake Roof 1,770 4 $500- $1000 Deductible 150 5 Stone Siding No
1988 290,000 Slate Shingles Roof 4,490 5 $1000-$2500 Deductible 950 12 Brick siding No
2012 260,000 Wood Shake Roof 4,400 5 $1000-$2500 Deductible 460 9 Stucco siding yes
1989 290,000 Composition Roof 3,810 5 $5000 to $10,000 Deductible 130 2 Fiber-Cement Siding yes