Gavop shows you how to buy homeowners insurance in Ada County, ID by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $52,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $87,500 | $70,000 | $100,000-$125,000 |
| 3 Bedroom | $123,000 | $120,000 | $100,000-$125,000 |
| 4 Bedroom | $247,000 | $210,000 | $200,000-$250,000 |
| 5 Bedroom | $258,500 | $240,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$99 | $561 |
| Superior Protection Discount | -$59 | $601 |
| Fire & Security Discount | -$46 | $614 |
| Hail Resistant Roof Discount | -$13 | $647 |
| Newly Constructed Home Discount | -$145 | $515 |
| 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 |
| Ada County | $700 | $653 | $1,353 | $474 | $1,174 | $178 |
| Ada County, ID | $2,000 | $653 | $2,653 | $474 | $2,474 | $178 |
| Meridian, ID | $400 | $654 | $1,054 | $475 | $875 | $179 |
| Garden City, ID | $700 | $602 | $1,302 | $437 | $1,137 | $164 |
| Eagle, ID | $300 | $730 | $1,030 | $531 | $831 | $200 |
| Emmett, ID | $700 | $657 | $1,357 | $477 | $1,177 | $179 |
| Greenleaf, ID | $500 | $509 | $1,009 | $370 | $870 | $139 |
| Notus, ID | $2,000 | $596 | $2,596 | $433 | $2,433 | $163 |
| Emmett Bench, ID | $400 | $606 | $1,006 | $440 | $840 | $166 |
| Sweet, ID | $1,500 | $719 | $2,219 | $523 | $2,023 | $197 |
| Crouch, ID | $100 | $642 | $742 | $467 | $567 | $176 |
| Payette, ID | $2,500 | $674 | $3,174 | $490 | $2,990 | $184 |
| Home Insurance Company Ada County, ID | Homeowners Insurance Agency Ada County, ID | Address | Popularity Score | Distance from Ada County (miles) |
|---|---|---|---|---|
| Allstate | Kelly Wallace | 1843 S Broadway Ave Ste 202a, Boise, ID, 83706 | 9.9 | |
| Allstate | Eric Jeglum | 894 E Boise Ave, Boise, ID, 83706 | 9.5 | |
| Travelers | Dahlinger & Co Insurance | 1216 12th Ave South, Nampa, ID, 83651 | 18.3 | |
| State Farm | Corry Perkins | 4792 W Overland Rd Ste 200, Boise, ID, 83705-2818 | 9.6 | |
| State Farm | Kathleen Rankin | 6900 Overland Rd., Boise, ID, 83709-1907 | 9.6 | |
| Allstate | Tom Heffner | 3601 W Overland Rd, Boise, ID, 83705 | 9.6 | |
| Liberty Mutual Independent | Jim Waters Insurance | 1713 12th Ave Rd, Nampa, ID, 83686 | 17.9 | |
| State Farm | Angela Webb | 4792 W Overland Rd Ste 300, Boise, ID, 83705-2818 | 9.6 | |
| Farmers | Brian Frechette | 1789 S Broadway Ave, Boise, ID, 83706 | 10.0 | |
| State Farm | Sandi Floyd | 3123 S Bown Way, Boise, ID, 83706-5400 | 9.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Idaho | $176,800 | $627 | $420 | $870 | $450 |
| Ada County, ID | $219,900 | $661 | $480 | $910 | $430 |
| Ada County, ID | $219,900 | $661 | $440 | $920 | $480 |
| Meridian, ID | $221,300 | $662 | $460 | $910 | $450 |
| Garden City, ID | $198,500 | $609 | $430 | $860 | $430 |
| Eagle, ID | $284,300 | $739 | $510 | $1,020 | $510 |
| Emmett, ID | $108,400 | $665 | $480 | $940 | $460 |
| Greenleaf, ID | $115,300 | $515 | $350 | $740 | $390 |
| Notus, ID | $160,200 | $603 | $430 | $860 | $430 |
| Emmett Bench, ID | $166,800 | $613 | $410 | $870 | $460 |
| Sweet, ID | $259,700 | $728 | $500 | $1,010 | $510 |
| Crouch, ID | $193,800 | $650 | $470 | $920 | $450 |
| Payette, ID | $112,900 | $682 | $500 | $950 | $450 |