Ketchum Insurance Rates:

Ketchum, ID homeowners insurance is approximately $567 to $826, about $47-$68/month. Our extensive guide indicates shoppers can save as much as $278 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Ketchum, ID Homeowners Insurance By Home Value

Ketchum, ID Home Value Total Homes % of Total Average Ketchum, ID Homeowners Insurance
Less than $50,000 87 16.0% $20
$60,000 to $69,999 13 2.0% $55
$70,000 to $79,999 27 5.0% $62
$90,000 to $99,999 24 4.0% $83
$100,000 to $124,999 22 4.0% $97
$125,000 to $149,999 12 2.0% $118
$150,000 to $174,999 25 4.0% $146
$175,000 to $199,999 55 10.0% $167
$200,000 to $249,999 63 11.0% $202
$250,000 to $299,999 13 2.0% $243
$300,000 to $399,999 187 35.0% $313

Top Home Insurance Agents Near Ketchum, ID

Home Insurance Company Near Ketchum, ID Homeowners Insurance Agency Near Ketchum, ID Address
NA Hub International 507 S Main St, Hailey, ID, 83333
Allstate Bisnett Insurance 631 2ND ST E STE C103, KETCHUM, ID, 83340
Allstate Bisnett Insurance 631 2ND ST EAST SUITE C103, KETCHUM, ID, 83340
Allstate Starley Leavitt Ins 731 N Main St Ste D, Bellevue, ID, 83313
Allstate Wood River Ins 410 N Main St, Hailey, ID, 83333

Ketchum, 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
Sun Valley city, Idaho $110 $146 $219
Hailey city, Idaho $83 $110 $165
Bellevue city, Idaho $80 $106 $159

Ketchum, 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
Ketchum, ID2.6%7.5%
Sun Valley2.28%7.67%
Hailey2.8%9.98%
Bellevue2.63%17.8%

Ketchum Renters Insurance as a Percentage of Rent

Ketchum Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 23 2.0% $646
$500 to $749 221 21.0% $1771
$750 to $999 351 34.0% $2521
$1,000 to $1,499 306 29.0% $3646
$1,500 or more 125 12.0% $5296

Ketchum, ID Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,500$4,500
Yearly Ketchum Homeowner Insurance Premium Example $2,600$2,100
Out of Pocket Expense During Claim$1,500$4,500
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $19,700$19,200
Net Savings to Ketchum Home Owner from High Deductible Plan $500

Ketchum, ID Home Insurance Costs With Home Replacement Value Scenarios

Scenario Ketchum, ID Home Replacement Value MORE than Home Value Ketchum, ID Home Replacement Value LESS than Home Value
Replacement Value $866,500 $702,500
Insurance Premium based on Replacement Value $2,500 $2,025
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $78,000 Risk Exposure from Under Insuring Coverage is $86,000
Premium Impact Insurance cheaper by $225/year Insurance costlier by $250/year

Example Ketchum Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAllstateFarmers Insurance
Monthly Premium 92136283
Year Built 201319822001
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 2 Baths
Coverage Amount $600000-$700000$600000-$700000More than 10000000
Deductible > $10,000 Deductible$2500-$5000 Deductible$500 Deductible

Sample Home Insurance Rates for Ketchum, 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 1,635,000 Metal Roof 4,220 5 $1000-$2500 Deductible 1580 6 Vinyl siding yes
1998 700,000 Tile Roof 1,770 4 $5000 to $10,000 Deductible 330 3 Wood siding yes
2011 835,000 Slate Shingles Roof 2,060 4 $5000 to $10,000 Deductible 400 3 Stone Siding yes
2010 405,000 Metal Roof 1,260 3 > $10,000 Deductible 60 1 Wood siding No
1999 475,000 Slate Shingles Roof 1,390 3 $2500-$5000 Deductible 730 9 Wood siding No
1980 670,000 Composition Roof 2,080 4 $1000-$2500 Deductible 600 5 Wood siding No
2008 760,000 Wood Shake Roof 2,430 5 $1000-$2500 Deductible 1880 10 Vinyl siding No
2010 660,000 Asphalt Shingles Roof 1,760 4 $1000-$2500 Deductible 240 2 Brick siding yes
2002 1,045,000 Membrane Roof 3,260 5 $1000-$2500 Deductible 470 3 Wood siding yes
1992 870,000 Shingles Roof 2,410 4 $2500-$5000 Deductible 1420 9 Fiber-Cement Siding No
2008 805,000 Metal Roof 2,100 4 $500 Deductible 2350 9 Fiber-Cement Siding No
2007 1,020,000 Wood Shake Roof 2,940 5 > $10,000 Deductible 1020 8 Fiber-Cement Siding No
2009 690,000 Tile Roof 2,150 4 $500- $1000 Deductible 460 3 Fiber-Cement Siding yes
1996 615,000 Shingles Roof 1,520 3 $1000-$2500 Deductible 340 3 Stucco siding yes
2003 525,000 Asphalt Shingles Roof 1,360 3 $5000 to $10,000 Deductible 860 9 Brick siding yes
1989 1,180,000 Tile Roof 3,330 5 $2500-$5000 Deductible 1530 10 Vinyl siding No
1990 610,000 Slate Shingles Roof 1,910 4 $2500-$5000 Deductible 110 1 Vinyl siding yes
1980 960,000 Asphalt Shingles Roof 3,170 5 $500- $1000 Deductible 1220 6 Wood siding yes
1980 1,270,000 Composition Roof 3,170 4 $1000-$2500 Deductible 1330 6 Brick siding No
1997 1,600,000 Asphalt Shingles Roof 3,910 5 > $10,000 Deductible 2030 12 Vinyl siding No
2013 810,000 Membrane Roof 2,040 3 $500- $1000 Deductible 670 4 Stone Siding yes
2010 1,235,000 Asphalt Shingles Roof 3,270 4 $500 Deductible 2700 9 Fiber-Cement Siding No
2001 1,050,000 Membrane Roof 3,010 4 > $10,000 Deductible 830 7 Stucco siding yes
2009 1,315,000 Tile Roof 3,620 5 $5000 to $10,000 Deductible 1700 10 Fiber-Cement Siding yes
2013 860,000 Metal Roof 2,580 4 $5000 to $10,000 Deductible 510 4 Wood siding yes
2014 395,000 Shingles Roof 1,220 3 $1000-$2500 Deductible 570 5 Wood siding No
1994 470,000 Tile Roof 1,650 4 $2500-$5000 Deductible 950 12 Wood siding yes
1984 455,000 Shingles Roof 1,520 3 $500- $1000 Deductible 780 7 Stucco siding No
2009 1,215,000 Metal Roof 3,310 4 $500- $1000 Deductible 1500 6 Stone Siding yes
1985 1,590,000 Wood Shake Roof 4,980 5 $500- $1000 Deductible 2310 9 Brick siding yes