Nampa ,ID Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Nampa, ID homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Nampa, ID is $1470. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Nampa, ID. VHome Insurance will help you navigate the world of homeowners insurance coverages in Nampa, ID.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $588 |
| $200,000 | $1,000 |
| $300,000 | $1,235 |
| $400,000 | $1,882 |
| $500,000 | $2,367 |
Home insurance costs in Nampa can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 083686 | $1,407 |
| 83687 | $1,406 |
| 83651 | $1,375 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Nampa, ID, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,507 |
| $1000 Deductible | $1,348 |
| $1500 Deductible | $1,272 |
| $2500 Deductible | $1,147 |
| $5000 Deductible | $970 |
| Home Insurance Company Near Nampa, ID | Homeowners Insurance Agency Near Nampa, ID | Address |
|---|---|---|
| Allstate | Danny Robertson | 8 W Franklin Rd, Meridian, ID, 83642 |
| Allstate | David Nejely | 312 1/2 Caldwell Blvd, Nampa, ID, 83651 |
| Travelers | Premier Alliance Property & Casualty | 5660 E Franklin Rd Suite 300, Nampa, ID, 83687 |
| Liberty Mutual Independent | The Insurance Group | 36 S Oregon St, ONTARIO, OR, 97914 |
| Liberty Mutual Independent | The Insurance Group Inc-W | 404 E 7Th St Weiser, Fruitland, ID, 83672 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Caldwell city, Idaho | $74 | $98 | $147 |
| Canyon County, Idaho | $75 | $100 | $150 |
| Meridian city, Idaho | $78 | $104 | $156 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Nampa, ID | 3.6% | 13.1% |
| Caldwell | 3.9% | 12.77% |
| Canyon County | 3.57% | 12.81% |
| Meridian | 2.91% | 12.97% |
| Nampa Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 288 | 2.0% | $796 |
| $300 to $499 | 949 | 8.0% | $1246 |
| $500 to $749 | 3,967 | 35.0% | $1921 |
| $750 to $999 | 3,361 | 30.0% | $2671 |
| $1,000 to $1,499 | 2,307 | 20.0% | $3796 |
| Streets in Nampa Area | Homeowners Insurance Cost |
|---|---|
| Yucca Pl, 2nd St S, S Montego Way, Paraiso St, E Oak Ave, Burnett Dr, W Mill Ct, S Pit Ln, S Secretariat Way, E Sharon's Dr | $509 |
| Briarwood Dr, 1st St S, High Ct, 2nd Ave N, Shiloh Dr, W Cobblestone Pl, Can-Ada Rd, E Thomas Mill Dr, N Delvin Way, Regence Way | $496 |
| 5th St S, E Sir Patrick Ct, W Crested Butte Ct, W Eaglecrest Dr, Lincoln Rd, N Canyon St, Wilbeth Dr, S Can Ada Rd, S Juniper St, S Abbot-Downing Way | $490 |
| S Florence St, W Island Ct, E Laguna Ave, Commanche St, Graye Ln, N Midsummers Ln, Settlers Ave, N Ada Pl, Pearl Pointe Dr, E Massachusetts Ave | $513 |
| Lynwood Dr, N Mattie Dr, N Franklin Blvd, E Flamingo Ave, E Colter Bay Dr, Shannon Dr, Laster St, Beckley Ct, Desert Way, N Gateway St | $501 |
| Forsythia Ct, 44th St N, Franklin Blvd, Clark Pl, Woodbury Pl, N Werrington Ct, Rainbow Dr, Locust St, E Victory Rd, Viceroy Ave | $502 |
| Evergreen Way, N Marketplace Blvd, N Bailey Ln, W Mc Graw Dr, Spicebush Ave, la Pine Rd, McDermott Rd, Davis Ave, W Honeysuckle Ave, N Sugar St | $496 |
| W Hawaii Ave, Woodgate St, Fern St, Newhaven St, Sioux St, Shelby St, S Oxbow Dr, N Adams St, Central Gem Ct, Wright Ln | $495 |
| Meeker Ave, Meyer Ave, Portsmouth Way, W Young Ave, W Dallen Woods Way, N Kildeer Way, Wyeth Ave, Robinson Rd, N Kcid Rd, Big Valley St | $500 |
| W Charlotte Ct, Jerica Ct, S 26th St, Harding Pl, Grouse St, Abram Ave, Delaware Ave, Fowler Ln, E Michigan Ave, Cherry Ln | $497 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Nampa | $74 to $77 |
| Caldwell | $73 |
| Canyon County | $75 |
| Meridian | $78 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,700 | $2,700 |
| Yearly Nampa Homeowner Insurance Premium Example | $600 | $400 |
| Out of Pocket Expense During Claim | $1,700 | $2,700 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $6,500 | $5,900 |
| Net Savings to Nampa Home Owner from High Deductible Plan | $600 | |
| Scenario | Nampa, ID Home Replacement Value MORE than Home Value | Nampa, ID Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $96,500 | $54,500 |
| Insurance Premium based on Replacement Value | $275 | $150 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $22,500 | Risk Exposure from Under Insuring Coverage is $19,500 |
| Premium Impact | Insurance cheaper by $50/year | Insurance costlier by $75/year |
| Insurance Company | Nationwide Insurance | Farmers Insurance | Travelers |
| Monthly Premium | 26 | 30 | 39 |
| Year Built | 2009 | 2013 | 1981 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 1 Baths | 5 Beds, 3 Baths |
| Coverage Amount | $100000-$125000 | $125000-$150000 | $250000-$300000 |
| Deductible | $1000-$2500 Deductible | $500 Deductible | > $10,000 Deductible |