Eagle Insurance Rates:

Eagle, ID homeowners insurance is approximately $457 to $624, about $38-$52/month. Our exhaustive research shows customers can save upto $216 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Affordable Home Insurance Rates in Eagle, ID

Homeowners insurance is one of the most important types of insurance to have. It protects your home and belongings in the event of a covered loss. Eagle, ID, is a great place to call home. The cost of living is relatively low, and plenty of amenities and activities exist. But, like any other city, there are also risks. That’s why it’s important to have homeowners insurance.

The average price of home insurance in Eagle, ID, is $762. There are a few things to keep in mind when shopping for homeowners insurance in Eagle, ID:

1. Consider the value of your home and belongings. This will help you determine how much coverage you need.

2. Think about what types of coverage you need. Some policies cover only certain types of damage, while others offer more comprehensive protection.

3. Get quotes from several different insurance companies to find the best rate.

Learn how to reduce your Eagle, ID home insurance rates using the following strategies.

Choose a Higher Deductible

One of the best ways to save on homeowners insurance is to choose a higher deductible. A deductible is an amount you pay out of pocket before your insurance policy kicks in. You can save on your premium by choosing a higher deductible because you are shouldering more risk. Of course, you need to be careful when choosing a higher deductible. Make sure you can pay the deductible if you experience a loss. Otherwise, you could end up in financial trouble. For deductibles of 500 and 1500, respectively, homeowners in Eagle, ID, pay premiums of $753 and $641. However, households with deductibles of 2000 and 2500 pay $582 and $547, respectively. Therefore, the higher the deductible, the lower the homeowners insurance rates in Eagle, ID.

Install Security Features

When it comes to homeowners insurance, one of the best ways to reduce costs is to install security features. This can include anything from a simple home security system to more elaborate features like deadbolts, security cameras and fire extinguishers. By securing your home, you can show your insurance company that you're serious about protecting your property, which can lead to lower rates. For example, Eagle, ID homes with deadbolts and fire extinguishers pay insurance rates of $663 and $701, respectively.

Maintain Zero Claims History

Maintaining a zero-claims history is one of the best ways to keep your homeowners insurance costs down in Eagle, ID. By avoiding claims, you are telling your insurance company that you are a low-risk customer and that they can trust you not to make any claims in the future. This can lead to lower premiums and better discounts on your homeowners insurance policy. A good claims history can also help you negotiate a lower deductible with your insurance company, which can further reduce your costs. Homeowners in Eagle, Idaho, who have never filed a claim must pay a premium of $655. For one or two claims, homeowners in Eagle, Idaho, must pay between $815 and $869.

Eagle, ID Homeowners Insurance By Home Value

Eagle, ID Home Value Total Homes % of Total Average Eagle, ID Homeowners Insurance
Less than $50,000 504 6.0% $48
$70,000 to $79,999 104 1.0% $151
$100,000 to $124,999 639 8.0% $221
$125,000 to $149,999 339 4.0% $281
$150,000 to $174,999 905 12.0% $330
$175,000 to $199,999 891 12.0% $384
$200,000 to $249,999 1,215 16.0% $459
$250,000 to $299,999 1,167 15.0% $562
$300,000 to $399,999 1,515 20.0% $719

Top Home Insurance Agents Near Eagle, ID

Home Insurance Company Near Eagle, ID Homeowners Insurance Agency Near Eagle, ID Address
Allstate Jeremy Fitzsimmons 2053 E Fairview Ave Ste 103, Meridian, ID, 83642
Liberty Mutual Independent Jim Waters Insurance 1713 12TH AVE RD, NAMPA, ID, 83686
Farmers M Hyndman 613 N Midland Blvd, Nampa, ID, 83651
Allstate Mark S Freemyer 3110 Cleveland Blvd Ste A3, Caldwell, ID, 83605
State Farm Nick Carlson 1406 N Main St Ste 101, Meridian, ID, 83642-1798

Eagle, ID Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Eagle, ID

Streets in Eagle Area Homeowners Insurance Cost
W Merab Ct, W Montero St, W Autumn Crest Ct, E Portobello Ct, W Briar Rock Dr, E Highgate Ct, N Rhone Pl, W Fieno Dr, Lake Shore Pl, W Konavle Ct$597
McGrath Rd, W Champagne Dr, N Viceroy Ave, E Bishop Dr, N Plummer Rd, N Park Ln, S Delphinium, N Stonecrest Way, W 2nd St, S Duke Ave$526
N Water Heights Way, N Alog Ave, E Margate Ct, Eagle Landing Ct, Park Ln, Apache Way, N Player Ave, E Rocky Dr, E Rivers End Dr, N High Country Way$538
S Island Glenn Way, W Cat Bird Ct, W Claudia St, W Hatchery Rd, Short Ln, N Cottage Cove Way, E Shalimar, N 1st St, W Box Canyon Ct, W Terramor St$577
Lake Front Pl, W Pamela St, E Celia St, W Band Dr, E Nest View Ct, N Story Book Way, N Watersedge Ave, N Longridge Pl, E Brunswick Dr, S Neskowin Way$516

Eagle, ID Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Eagle$80 to $83
Hidden Spring$85

Eagle, 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
Star city, Idaho $64 $85 $128
Hidden Spring CDP, Idaho $71 $95 $142
Garden City city, Idaho $64 $85 $128

Eagle, 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
Eagle, ID2.7%8.9%
Hidden Spring2.08%9.02%
Garden City3.11%11.18%

Eagle Renters Insurance as a Percentage of Rent

Eagle Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 49 2.0% $765
$300 to $499 60 2.0% $1215
$500 to $749 375 16.0% $1890
$750 to $999 464 20.0% $2640
$1,000 to $1,499 1,084 47.0% $3765
$1,500 or more 234 10.0% $5415

Eagle, ID Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Eagle Homeowner Insurance Premium Example $1,200$800
Out of Pocket Expense During Claim$900$2,900
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,300$8,500
Net Savings to Eagle Home Owner from High Deductible Plan $800

Eagle, ID Home Insurance Costs With Home Replacement Value Scenarios

Scenario Eagle, ID Home Replacement Value MORE than Home Value Eagle, ID Home Replacement Value LESS than Home Value
Replacement Value $380,000 $273,000
Insurance Premium based on Replacement Value $900 $650
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $33,500 Risk Exposure from Under Insuring Coverage is $73,500
Premium Impact Insurance cheaper by $175/year Insurance costlier by $75/year

Example Eagle Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualNationwide InsuranceAllstate
Monthly Premium 3597128
Year Built 200420111987
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $175000-$200000$400000-$500000$600000-$700000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1980 370,000 Asphalt Shingles Roof 2,480 5 $1000-$2500 Deductible 370 4 Fiber-Cement Siding yes
2012 280,000 Membrane Roof 2,280 3 $5000 to $10,000 Deductible 410 9 Wood siding No
2014 300,000 Shingles Roof 1,920 3 $2500-$5000 Deductible 240 5 Brick siding No
1984 370,000 Asphalt Shingles Roof 2,720 5 $5000 to $10,000 Deductible 270 5 Stucco siding yes
1983 610,000 Slate Shingles Roof 4,430 5 $500- $1000 Deductible 450 3 Fiber-Cement Siding yes
2014 325,000 Membrane Roof 2,220 3 $5000 to $10,000 Deductible 40 1 Fiber-Cement Siding No
2011 270,000 Asphalt Shingles Roof 2,300 4 $2500-$5000 Deductible 310 8 Vinyl siding No
2007 215,000 Slate Shingles Roof 1,520 3 $500- $1000 Deductible 720 12 Fiber-Cement Siding No
1982 245,000 Asphalt Shingles Roof 1,900 3 $2500-$5000 Deductible 490 12 Vinyl siding yes
1984 395,000 Tile Roof 2,370 4 $5000 to $10,000 Deductible 510 6 Wood siding yes
1984 190,000 Tile Roof 1,510 3 $500- $1000 Deductible 170 3 Stucco siding No
2003 265,000 Metal Roof 2,040 4 > $10,000 Deductible 250 9 Stone Siding No
1986 160,000 Tile Roof 1,290 3 $1000-$2500 Deductible 470 12 Stone Siding yes
2012 275,000 Asphalt Shingles Roof 1,680 3 $500 Deductible 460 7 Brick siding No
2010 215,000 Membrane Roof 1,390 3 $1000-$2500 Deductible 220 5 Brick siding No
2013 270,000 Metal Roof 1,700 3 $1000-$2500 Deductible 410 6 Brick siding yes
2010 420,000 Membrane Roof 2,850 5 $500 Deductible 490 7 Wood siding yes
2011 640,000 Asphalt Shingles Roof 4,760 5 $500 Deductible 530 3 Brick siding No
1983 250,000 Tile Roof 2,250 4 $1000-$2500 Deductible 170 3 Fiber-Cement Siding yes
2006 260,000 Asphalt Shingles Roof 2,120 3 $500- $1000 Deductible 180 2 Vinyl siding No
1985 310,000 Metal Roof 2,070 3 $1000-$2500 Deductible 130 2 Fiber-Cement Siding No
2014 285,000 Shingles Roof 1,910 4 $2500-$5000 Deductible 280 5 Stucco siding No
1983 420,000 Shingles Roof 2,520 4 $500- $1000 Deductible 170 3 Vinyl siding No
2007 175,000 Composition Roof 1,300 3 $5000 to $10,000 Deductible 100 4 Stucco siding yes
2002 325,000 Shingles Roof 2,380 3 $1000-$2500 Deductible 520 9 Wood siding yes
2007 270,000 Composition Roof 1,660 4 $1000-$2500 Deductible 50 1 Brick siding No
1980 180,000 Tile Roof 1,390 3 $500- $1000 Deductible 30 1 Wood siding yes
1982 370,000 Tile Roof 2,780 5 > $10,000 Deductible 630 10 Fiber-Cement Siding yes
1985 255,000 Shingles Roof 2,060 4 > $10,000 Deductible 90 3 Brick siding No
1989 440,000 Tile Roof 3,840 5 > $10,000 Deductible 400 8 Stucco siding No
1983 370,000 Slate Shingles Roof 2,820 4 $500 Deductible 780 8 Vinyl siding No
1985 215,000 Tile Roof 1,760 4 $1000-$2500 Deductible 70 2 Vinyl siding No
1986 235,000 Tile Roof 1,400 3 $2500-$5000 Deductible 40 1 Vinyl siding yes
1986 285,000 Shingles Roof 1,920 4 $2500-$5000 Deductible 60 1 Vinyl siding No

Latest Home Insurance Reviews

State Farm
I have only dealt with our home insurance company's customer service a handful of times. each time they were very helpful in answering my questions and guiding me in my decision making.
Liberty Mutual
I would recommend Liberty Mutual to anyone who wants to deal with a reputable company that offers great cuatomer service.
Safeco Insurance
American Family Insurance
My deductible is 500 along with my premium I believe I pay 161 a month for full coverage which isn't bad along with some discounts for never getting a ticket or being in an accident.
National General
I'm satisfied with my home premium, which is the same I was paying at the last company. But I'm getting a 50% discount on auto.
Amica Mutual Insurance
I think that the premium charged by the company is a bit higher as compared to other home insurance companies in this segment.
Farmer's Insurance
Really, the low rate is the main draw for me. Insurance, to me, is a commodity for a given rated insurer, so I like that they are the least expensive.
American Family
There is nothing that I dislike about them. They have always been there when we need them and have never treated us badly
Farm Bureau
It is extremely easy to use the website and to navigate. Making payments online is extremely easy. Also viewing passed bills and other policies online is easy.
State Farm
Their website is hard to navigate. It's also difficult to find details of our home insurance policy, like what is covered and what isnt.
State Farm
I would recommend State Farm for Home Insurance. I would give them a 4 rating overall. I have never had a bad experience in dealing with them, and in my opinion, they offer a superior product.
Love the policy. It has all the basics of other companies. The biggest benefit is the roof coverage, it has a flat deductible instead of a percentage to based on how old the roof is.
Farmer's Insurance
the truth is to recommend something good and unique like this company their services are unique also when looking for a company you have to see without being responsible

How To Make Your Eagle, ID Home Insurance Cheaper

How Much Does Eagle, ID Home Insurance Cost?