Gavop's guide to buying homeowners insurance in Lewis County, ID covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $45,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $60,500 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $155,000 | $120,000 | $175,000-$200,000 |
| 4 Bedroom | $223,000 | $190,000 | $200,000-$250,000 |
| 5 Bedroom | $114,000 | $90,000 | $100,000-$125,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$61 | $616 |
| Home and Two Car | -$108 | $568 |
| Home and Three Car | -$156 | $521 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Lewis County | $2,500 | $668 | $3,168 | $486 | $2,986 | $183 |
| Lewis County, ID | $1,000 | $668 | $1,668 | $486 | $1,486 | $183 |
| Reubens, ID | $200 | $466 | $666 | $339 | $539 | $127 |
| Lapwai, ID | $2,000 | $453 | $2,453 | $330 | $2,330 | $124 |
| Weippe, ID | $500 | $469 | $969 | $341 | $841 | $128 |
| Leland, ID | $2,000 | $588 | $2,588 | $427 | $2,427 | $161 |
| Genesee, ID | $300 | $618 | $918 | $449 | $749 | $169 |
| Asotin, WA | $700 | $734 | $1,434 | $533 | $1,233 | $201 |
| Deary, ID | $200 | $519 | $719 | $377 | $577 | $142 |
| Colton, WA | $1,500 | $688 | $2,188 | $500 | $2,000 | $188 |
| Clarkston, WA | $400 | $598 | $998 | $435 | $835 | $163 |
| Bovill, ID | $2,500 | $391 | $2,891 | $284 | $2,784 | $107 |
| Home Insurance Company Lewis County, ID | Homeowners Insurance Agency Lewis County, ID | Address | Popularity Score | Distance from Lewis County (miles) |
|---|---|---|---|---|
| State Farm | Steve Forge | 1442 Idaho St, Lewiston, ID, 83501-2559 | 30.8 | |
| Travelers | Troy Insurance | 625 8th St, Lewiston, ID, 83501 | 31.1 | |
| State Farm | Rebecca Knudson | 1920 19th Ave, Lewiston, ID, 83501-4069 | 30.0 | |
| Farmers | Eric Sprenger | 114 E 5th St Ste 1, Moscow, ID, 83843 | 43.9 | |
| Allstate | Walrath Insurance | 163 Johnson Ave, Orofino, ID, 83544 | 18.6 | |
| Liberty Mutual Independent | Kuespert Insurance Agency Inc | 127 S Washington St Ste 4, Moscow, ID, 83843 | 44.0 | |
| State Farm | Jamie Knudson | 318 S Main St, Moscow, ID, 83843-2914 | 43.9 | |
| Travelers | Troy Insurance | 1822 18th Ave, Lewiston, ID, 83501 | 30.1 | |
| Farmers | Michael Beuke | 1522 Main St, Lewiston, ID, 83501 | 30.7 | |
| Travelers | Aaa Insurance Agency | 802 Bryden Ave, Lewiston, ID, 83501 | 28.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Idaho | $176,800 | $627 | $460 | $860 | $400 |
| Lewis County, ID | $120,000 | $676 | $460 | $940 | $480 |
| Lewis County, ID | $120,000 | $676 | $470 | $930 | $460 |
| Reubens, ID | $98,800 | $472 | $340 | $670 | $330 |
| Lapwai, ID | $94,000 | $459 | $320 | $640 | $320 |
| Weippe, ID | $99,600 | $475 | $340 | $650 | $310 |
| Leland, ID | $155,600 | $595 | $430 | $840 | $410 |
| Genesee, ID | $176,200 | $626 | $430 | $860 | $430 |
| Asotin, WA | $233,900 | $743 | $540 | $1,030 | $490 |
| Deary, ID | $119,400 | $525 | $380 | $750 | $370 |
| Colton, WA | $197,000 | $696 | $490 | $960 | $470 |
| Clarkston, WA | $166,700 | $605 | $440 | $870 | $430 |
| Bovill, ID | $74,300 | $396 | $270 | $560 | $290 |