Idaho Falls Insurance Rates:

Idaho Falls, ID homeowners insurance is roughly $431 to $584, about $35-$48/month. Our extensive guide shows customers can save upto $203 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

State Farm
the customer service is not great, mostly due to the fact that the local agent is clueless and is uninterested in helping the customer. Her main goal is to take payments.
State Farm
I liked that whenever i call them i can usually get somebody to talk to about my issues pretty quickly.
Allstate
It's more broadly an insurance problem, not specific to the company, but the concept of having to pay for something and then having to pay even more to actually use it is both bizarre and frustrating to me.
State Farm
Claims process with state farm is relatively painless and they will work for speedy resolution.
Travelers
Just don't like my premium amount.
Farm Bureau
The customer service department is great. I can always get in touch with them and they are very friendly and helpful. They always talk me through everything and explain it very well.
Farm Bureau
I like that my agent responds to me in a timely manner.
Nationwide
My agent communicates often with me. They are always available when I call. Or they get back to me within a day.
Allstate
I had fast service and they were all very nice
State Farm
They cost more but sometimes paying more is worth it. We frequently experience storm damage and need to file claims. The process is simple and I've never experienced any shady behavior from State Farm.
Allstate
I would recommend this insurance company to my friends and relatives because overall their premium, policies, offerings and customer services were better.
Progressive
They haven't raised our rate in two years and seem to be there for us whenever we have questions. A well run company they have. Most definately recommend them from our short experience with them.
Geico
Because we are military, the minute we call we are sent to the military line or branch. They have our number stored so we get, what we feel, is better and quicker service.
State Farm
Unfortunately have no experience with a home insurance company. Have rented my adult life.

Idaho Falls, ID Homeowners Insurance By Home Value

Idaho Falls, ID Home Value Total Homes % of Total Average Idaho Falls, ID Homeowners Insurance
Less than $50,000 1,350 5.0% $76
$60,000 to $69,999 255 1.0% $208
$70,000 to $79,999 362 1.0% $238
$80,000 to $89,999 997 4.0% $274
$90,000 to $99,999 946 4.0% $304
$100,000 to $124,999 3,162 13.0% $355
$125,000 to $149,999 3,841 16.0% $441
$150,000 to $174,999 3,456 15.0% $523
$175,000 to $199,999 2,414 10.0% $604
$200,000 to $249,999 3,006 13.0% $726
$250,000 to $299,999 1,303 5.0% $889
$300,000 to $399,999 1,511 6.0% $1132

Top Home Insurance Agents Near Idaho Falls, ID

Home Insurance Company Near Idaho Falls, ID Homeowners Insurance Agency Near Idaho Falls, ID Address
Farmers Gina Wixom 1495 Parkway Dr Ste D, Blackfoot, ID, 83221
State Farm Jory Inama 1830 W Broadway St, Idaho Falls, ID, 83402-3044
Farmers M Keith Gardner 114 S State St, Shelley, ID, 83274
State Farm Steve Bjornn 46 N 2nd E, Rexburg, ID, 83440-1643
Liberty Mutual Independent The Buckner Company 960 Pier View Dr, Ste A Idaho Falls, Idaho Falls, ID, 83402

Idaho Falls, ID Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Idaho Falls, ID

Streets in Idaho Falls Area Homeowners Insurance Cost
Eaglewood Dr, Iona St, S Oakmont Dr, 97th W S, Madison River Rd, Washburn Ave, Bannock Ave, E Skidmore Dr, Westwood St, Otter Trl$556
N 5th E, E 24th St, Hampton Ln, Travis Way, Homer Ave, Holbrook Dr, Wildwood Ln, E 1500 N, Pend Oreille Cir, Fairview$501
Douglas Ave, E 101 N, E 81st S, Bombardier Ave, Sahara St, Henry St, Richmond Ln, N Ferguson Rd, Loon Creek Ln, Kimberly Dr$548
Greentree Ln, Davidson Dr, E Harvest Run, Custer St, Tie Breaker Dr, Glen Koester Ln, Hollow Dr, Clarks Dr, State Ln Rd, Cranmer Ave$505
S Woodruff Ave, Denver St, Cliffside Cir, Sioux Ave, Leslie Ave, York Rd, Jefferson Ave, Lake Ave, Tipperary Ln, W Barberry Ln$491
N 26th W, John Adams Ct, Ross Ave, Tildy, Mesquite Dr, Sagebrush Ave, Brome St, Flora Cir, Oneida Ave, Fieldstream Ln$517
Turnbull Dr, Laguna Dr, Spear Point Cir, Park Rd, Valley Dr, Quail Ridge Dr, Scorsby Ave, Birch Creek Rd, April Dr, Foxhill Dr$553
Storer St, N Fanning Ave, Emma Ct, Lowell Dr, Heather Ln, Traughber Rd, Cotton Rd, Shirley Ln, Trenton Cir, Irwin North Rd$549
Vernon Ave, Pearce Dr, S 45th W, Marjorie Ave, Dallin Dr, Silverspur Loop, Brandon Dr, Eagles Homestead Dr, Cabana Dr, Ririe Hwy$515
Dunbar Dr, Thicket Way, Wildhorse Ln, W Garfield, Links Way, E 21st Cir, County Cork Ln, Auss Ln, E 14th St, N Blvd$506

Idaho Falls, ID Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Idaho Falls$76 to $78
Ammon$76
Iona$75
Rigby$77

Idaho Falls, 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
Ammon city, Idaho $64 $85 $128
Lincoln CDP, Idaho $64 $85 $127
Iona city, Idaho $63 $84 $126

Idaho Falls, 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
Idaho Falls, ID3.5%12.7%
Ammon3.25%13.54%
Lincoln3.64%14.94%
Iona3.89%13.75%

Idaho Falls Renters Insurance as a Percentage of Rent

Idaho Falls Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 121 1.0% $340
$200 to $299 308 3.0% $790
$300 to $499 1,206 14.0% $1240
$500 to $749 3,402 39.0% $1915
$750 to $999 2,111 24.0% $2665
$1,000 to $1,499 1,091 12.0% $3790
$1,500 or more 297 3.0% $5440

Idaho Falls, ID Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$2,000
Yearly Idaho Falls Homeowner Insurance Premium Example $800$600
Out of Pocket Expense During Claim$1,000$2,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $7,400$6,800
Net Savings to Idaho Falls Home Owner from High Deductible Plan $600

Idaho Falls, ID Home Insurance Costs With Home Replacement Value Scenarios

Scenario Idaho Falls, ID Home Replacement Value MORE than Home Value Idaho Falls, ID Home Replacement Value LESS than Home Value
Replacement Value $157,000 $101,000
Insurance Premium based on Replacement Value $450 $275
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,500 Risk Exposure from Under Insuring Coverage is $30,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $75/year

Example Idaho Falls Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceLiberty MutualState Farm
Monthly Premium 406633
Year Built 201320041964
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $175000-$200000$250000-$300000$250000-$300000
Deductible $2500-$5000 Deductible$500 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2008 230,000 Composition Roof 2,170 4 > $10,000 Deductible 520 12 Vinyl siding No
2010 155,000 Shingles Roof 1,650 3 $500- $1000 Deductible 320 9 Brick siding yes
1984 360,000 Composition Roof 4,300 5 $500 Deductible 280 3 Fiber-Cement Siding No
1982 150,000 Composition Roof 1,960 5 $500 Deductible 290 9 Fiber-Cement Siding yes
2002 250,000 Slate Shingles Roof 2,500 4 $500- $1000 Deductible 180 4 Wood siding No
1977 250,000 Composition Roof 2,870 4 $2500-$5000 Deductible 350 7 Fiber-Cement Siding yes
1966 425,000 Metal Roof 3,940 5 $2500-$5000 Deductible 460 5 Fiber-Cement Siding yes
1961 360,000 Tile Roof 3,220 4 $500 Deductible 820 8 Fiber-Cement Siding yes
2009 195,000 Metal Roof 2,050 3 $500- $1000 Deductible 390 8 Vinyl siding yes
1974 130,000 Membrane Roof 1,240 3 $1000-$2500 Deductible 140 4 Brick siding yes
1988 175,000 Membrane Roof 1,550 3 $1000-$2500 Deductible 300 8 Stone Siding yes
1985 170,000 Metal Roof 2,040 3 $1000-$2500 Deductible 200 8 Wood siding yes
1961 185,000 Asphalt Shingles Roof 1,650 4 $500 Deductible 380 7 Stucco siding yes
1984 210,000 Slate Shingles Roof 2,560 5 $2500-$5000 Deductible 460 12 Fiber-Cement Siding No
2000 155,000 Shingles Roof 1,690 4 $2500-$5000 Deductible 80 4 Stone Siding No
2008 335,000 Slate Shingles Roof 2,970 4 $1000-$2500 Deductible 100 2 Stucco siding No
2006 370,000 Metal Roof 3,340 4 $1000-$2500 Deductible 770 8 Fiber-Cement Siding No
1961 260,000 Wood Shake Roof 3,440 5 $500 Deductible 880 12 Stone Siding yes
2002 195,000 Composition Roof 2,080 5 $500- $1000 Deductible 490 12 Brick siding yes
2013 120,000 Wood Shake Roof 1,260 3 $2500-$5000 Deductible 20 1 Vinyl siding yes
1979 350,000 Membrane Roof 3,600 5 $5000 to $10,000 Deductible 330 5 Stone Siding yes
1979 195,000 Asphalt Shingles Roof 2,320 4 $2500-$5000 Deductible 20 1 Stucco siding No
1989 130,000 Composition Roof 1,600 5 $500- $1000 Deductible 340 12 Stone Siding No
2006 155,000 Membrane Roof 1,720 5 $1000-$2500 Deductible 110 4 Brick siding No
2004 345,000 Metal Roof 3,330 4 $2500-$5000 Deductible 140 3 Stone Siding yes
2010 195,000 Asphalt Shingles Roof 2,500 5 $5000 to $10,000 Deductible 320 9 Stucco siding yes
2010 180,000 Tile Roof 1,650 4 $500- $1000 Deductible 210 6 Fiber-Cement Siding No
1972 225,000 Wood Shake Roof 2,270 3 > $10,000 Deductible 350 8 Vinyl siding yes
1970 310,000 Wood Shake Roof 3,000 4 $2500-$5000 Deductible 220 4 Wood siding yes
2012 115,000 Tile Roof 1,270 3 $1000-$2500 Deductible 110 6 Brick siding yes
1974 205,000 Tile Roof 2,060 3 $500- $1000 Deductible 160 3 Wood siding No
2008 220,000 Shingles Roof 1,980 4 > $10,000 Deductible 60 2 Brick siding yes
1961 360,000 Asphalt Shingles Roof 3,320 5 $1000-$2500 Deductible 530 6 Stucco siding yes
1965 175,000 Metal Roof 1,610 3 $500- $1000 Deductible 300 8 Stone Siding No

Find Visual Guide for Idaho Falls, ID Home Insurance Buyers on Insurance Companies and Rates