Eagle, ID Home Insurance - Analysis On Quotes, Rates & Agents
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.
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
| Place | Savings For Senior Occupied Homes |
|---|---|
| Eagle | $80 to $83 |
| Star | $77 |
| Hidden Spring | $85 |
| Meridian | $78 |
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
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Eagle, ID | 2.7% | 8.9% |
| Star | 2.97% | 15.3% |
| Hidden Spring | 2.08% | 9.02% |
| Garden City | 3.11% | 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 Deductible | High Deductible | |
|---|---|---|
| Deductible | $900 | $2,900 |
| 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 Mutual | Nationwide Insurance | Allstate |
| Monthly Premium | 35 | 97 | 128 |
| Year Built | 2004 | 2011 | 1987 |
| Home Details | 3 Beds, 2 Baths | 4 Beds, 1 Baths | 5 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 FarmI 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 MutualI would recommend Liberty Mutual to anyone who wants to deal with a reputable company that offers great cuatomer service.
Safeco InsuranceTHEY OFFER SMART SAVINGS AND DISCOUNTS.THEY PROVIDE LOW INTEREST RATE.VERY FAMOUS AND TRUSTFUL COMPANY
American Family InsuranceMy 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 GeneralI'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 InsuranceI think that the premium charged by the company is a bit higher as compared to other home insurance companies in this segment.
Farmer's InsuranceReally, 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 FamilyThere is nothing that I dislike about them. They have always been there when we need them and have never treated us badly
Farm BureauIt 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 FarmTheir 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 FarmI 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.
AllstateLove 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 Insurancethe 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