Lewiston Insurance Rates:

Lewiston, ID homeowners insurance is nearly $435 to $589, about $36-$49/month. Our thorough analysis indicates shoppers can save as much as $204 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

American Family
American family made obtaining insurance during my home buying process a really smooth transaction. they gave me a couple of options for coverage between insuring for my purchase price or blanket everything for $60,000 over that for just $20 more a year.
American Family
My american family insurance agent is great. he is always available by phone or email and can make coverage changes effective immediately.
Farm Bureau
One thing i do like about my insurance company farm bureau is the fact that they have a good reputation.
Travelers
Every other time I would log in I would have to retrieve my password, it would never remember me. I also don't like that you can't have a live chat with a representative.
Progressive
I love Progressive. They are not the cheapest out there, but I am a huge believer that you get what you pay for. I can always count on Progressive to get things done in a quick manner and they have never denied me of a claim.
Farm Bureau
The worst part about this company is the poor customer service. They do not call customers back when they say they are going to and they don't do things when they say they are going to.
State Farm
The communication is great when I need to speak with them. They have 24-hour service and ability to help you.
Geico
They offer video chat as well in some areas. They are generally very responsive and almost always online. And they smile.
Allstate
Communication all goes through my agent. I have a good relationship with him and he handles all my needs.

Lewiston, ID Homeowners Insurance By Home Value

Lewiston, ID Home Value Total Homes % of Total Average Lewiston, ID Homeowners Insurance
Less than $50,000 618 6.0% $71
$60,000 to $69,999 109 1.0% $194
$80,000 to $89,999 234 2.0% $250
$90,000 to $99,999 343 3.0% $281
$100,000 to $124,999 875 9.0% $327
$125,000 to $149,999 1,061 11.0% $409
$150,000 to $174,999 1,603 18.0% $486
$175,000 to $199,999 1,081 12.0% $563
$200,000 to $249,999 1,505 16.0% $675
$250,000 to $299,999 630 7.0% $824
$300,000 to $399,999 684 7.0% $1049

Top Home Insurance Agents Near Lewiston, ID

Home Insurance Company Near Lewiston, ID Homeowners Insurance Agency Near Lewiston, ID Address
State Farm Allen Willis 612 W North St, Grangeville, ID, 83530-1240
Allstate Central Idaho Agy. PO Box 77, Cottonwood, ID, 83522
Allstate Hub Intl Northwest S 375 Grand Ave, Pullman, WA, 99163
Liberty Mutual Independent Kuespert Insurance Agency Inc 127 S WASHINGTON ST STE 4, MOSCOW, ID, 83843
Farmers Michael Beuke 1522 Main St, Lewiston, ID, 83501

Cost Of Homeowners Insurance By Street Near Lewiston, ID

Streets in Lewiston Area Homeowners Insurance Cost
8th Ave N, Mountain Dr, North St, Park Dr, Red Fir Ln, Vista Ave, 10th Ave, Echo Hills Dr, Central Grade, 12th St C$506
554 Rd, Hemlock Ave, 12th Ave, Snake River Grade, Dawn Ln, 24th St, Morscheck Rd, Reservoir Dr, Waha Rd, Cherokee Ln$531
Basalt Ln, 27th St, Clearwater Ave, Karin Ct, 7th St E, 170 Rd, Gaslite Ct, Diamond Dr, Forest Hill Ln, Evergreen Ln$499
15th Ave, Seaport Ct, 536 Rd, 8th St E, 13th St C, Powell Rd, Knoll Crest Ct, Par Ct, Volmer Rd, 10th Ave$524
29th St, Whitney Ln, Knoll Crest Dr, Daffodil Ln, Hawthorne St, Bryden Ct, Ten Mile Canyon, Yellow Pine Rd, Lakeview Dr, N Viewpoint Dr$530

Lewiston, ID Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lewiston$76 to $78
Nez Perce County$76
Sweetwater$73
Winchester$74

Lewiston, 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
Nez Perce County, Idaho $77 $102 $153
Sweetwater CDP, Idaho $73 $97 $146
Winchester CCD, Lewis County, Idaho $74 $99 $149

Lewiston, 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
Lewiston, ID3.5%11.5%
Nez Perce County3.56%12.02%
Winchester4.07%14.53%
Lapwai4.78%17.01%

Lewiston Renters Insurance as a Percentage of Rent

Lewiston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 79 1.0% $337
$200 to $299 478 10.0% $787
$300 to $499 810 17.0% $1237
$500 to $749 1,932 41.0% $1912
$750 to $999 838 18.0% $2662
$1,000 to $1,499 284 6.0% $3787
$1,500 or more 209 4.0% $5437

Lewiston, ID Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,900$3,900
Yearly Lewiston Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$1,900$3,900
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $10,900$9,900
Net Savings to Lewiston Home Owner from High Deductible Plan $1,000

Lewiston, ID Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lewiston, ID Home Replacement Value MORE than Home Value Lewiston, ID Home Replacement Value LESS than Home Value
Replacement Value $246,500 $150,000
Insurance Premium based on Replacement Value $725 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $55,500 Risk Exposure from Under Insuring Coverage is $41,000
Premium Impact Insurance cheaper by $125/year Insurance costlier by $175/year

Example Lewiston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company State FarmAmerican Family InsuranceFarmers Insurance
Monthly Premium 473319
Year Built 196020121946
Home Details 4 Beds, 2 Baths3 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $250000-$300000$150000-$175000$75000-$100000
Deductible $2500-$5000 Deductible$500 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1991 145,000 Wood Shake Roof 1,520 2 $500- $1000 Deductible 280 10 Wood siding yes
1948 280,000 Asphalt Shingles Roof 2,910 5 $500 Deductible 340 7 Brick siding No
1998 265,000 Membrane Roof 2,780 5 $500 Deductible 460 6 Wood siding yes
1990 220,000 Asphalt Shingles Roof 2,580 5 $500 Deductible 50 1 Vinyl siding No
2010 185,000 Membrane Roof 1,700 2 $500 Deductible 220 6 Stucco siding No
1995 275,000 Membrane Roof 2,650 5 $500 Deductible 960 12 Stone Siding No
1964 100,000 Composition Roof 940 2 $1000-$2500 Deductible 20 1 Wood siding yes
2010 125,000 Wood Shake Roof 1,120 2 $500 Deductible 220 8 Vinyl siding yes
1944 150,000 Asphalt Shingles Roof 1,810 5 $1000-$2500 Deductible 130 5 Stucco siding No
1992 400,000 Shingles Roof 4,020 5 > $10,000 Deductible 540 10 Wood siding No
1965 280,000 Slate Shingles Roof 2,380 5 $1000-$2500 Deductible 450 9 Stucco siding No
1992 180,000 Membrane Roof 1,680 4 $1000-$2500 Deductible 300 8 Stucco siding No
1991 350,000 Composition Roof 3,480 5 $500- $1000 Deductible 530 8 Brick siding No
1983 235,000 Metal Roof 2,290 3 $2500-$5000 Deductible 400 9 Stone Siding yes
1965 250,000 Slate Shingles Roof 2,170 4 $500- $1000 Deductible 220 3 Vinyl siding No
1993 115,000 Shingles Roof 960 2 $500 Deductible 220 7 Vinyl siding No
2006 145,000 Tile Roof 1,550 3 $1000-$2500 Deductible 210 5 Stucco siding No
2012 230,000 Asphalt Shingles Roof 2,130 3 $5000 to $10,000 Deductible 240 6 Vinyl siding No
1944 90,000 Slate Shingles Roof 950 2 $2500-$5000 Deductible 60 3 Wood siding yes
1963 150,000 Slate Shingles Roof 1,820 5 $500- $1000 Deductible 170 6 Stone Siding yes
1948 360,000 Composition Roof 4,360 5 $500- $1000 Deductible 160 2 Stucco siding No
2009 165,000 Wood Shake Roof 1,490 2 $5000 to $10,000 Deductible 250 10 Stone Siding No
1980 135,000 Membrane Roof 1,470 2 $1000-$2500 Deductible 290 9 Wood siding yes
1948 350,000 Membrane Roof 3,110 4 $2500-$5000 Deductible 320 5 Fiber-Cement Siding No
2008 345,000 Asphalt Shingles Roof 3,290 4 $1000-$2500 Deductible 700 10 Vinyl siding yes
2007 380,000 Metal Roof 3,840 5 > $10,000 Deductible 110 2 Stucco siding yes
1983 270,000 Slate Shingles Roof 2,660 4 > $10,000 Deductible 40 1 Stucco siding No
2006 165,000 Metal Roof 1,440 3 $1000-$2500 Deductible 210 7 Brick siding No