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Home Insurance in Boise, Idaho: What You Need to Know

Boise, the capital and largest city in Idaho, is known for its vibrant community, outdoor activities, and growing economy. However, homeowners in Boise must consider local weather conditions and economic factors when choosing home insurance.

National vs. Boise Home Insurance Costs

The national average cost for home insurance is $1,400 per year, while Boise homeowners pay an average of $950 per year. Boise’s inland location, moderate weather, and low crime rate help keep insurance costs lower than the national average.

Factors Driving Local Insurance Costs

Several factors impact home insurance rates in Boise:


Home Insurance Rates by Home Age in Boise

The age of a home can influence the cost of insurance. Newer homes generally benefit from lower premiums due to updated building codes and improved materials. Here’s a breakdown of average annual premiums based on the home’s age in Boise:

Home AgeAverage Annual Premium
0-10 years$900
10-20 years$930
20-30 years$950
30+ years$1,000

Impact of Home Age on Insurance Rates


Home Insurance Rates by Credit Tier in Boise

Your credit score can play a significant role in determining your home insurance premium. Here’s how credit tiers affect insurance costs in Boise:


Cheapest Home Insurance Providers in Boise

Here are some of the most affordable home insurance providers in Boise, along with their average annual premiums:

  1. State Farm: $930/year
  2. Allstate: $950/year
  3. Farmers: $970/year
  4. Liberty Mutual: $980/year
  5. Progressive: $990/year

Home Insurance Rates by Deductible in Boise

Homeowners can reduce their premiums by increasing their deductible. Here’s how different deductible amounts affect premiums in Boise:


Types of Homeowners Insurance in Boise

Boise homeowners can choose from various types of homeowners insurance policies based on their needs:


Additional Coverage Options in Boise


Frequently Asked Questions (FAQ) for Boise Homeowners


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