Gavop shows you how to buy homeowners insurance in Butte 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 | $31,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $90,500 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $78,000 | $70,000 | $50,000-$75,000 |
| 4 Bedroom | $175,000 | $150,000 | $150,000-$175,000 |
| 5 Bedroom | $101,500 | $90,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $543 |
| Superior Protection Discount | -$67 | $604 |
| Fire & Security Discount | -$74 | $597 |
| Hail Resistant Roof Discount | -$20 | $650 |
| Newly Constructed Home Discount | -$148 | $523 |
| 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 |
| Butte County | $700 | $663 | $1,363 | $481 | $1,181 | $181 |
| Butte County, ID | $1,500 | $663 | $2,163 | $481 | $1,981 | $181 |
| Arco, ID | $400 | $480 | $880 | $349 | $749 | $131 |
| Howe, ID | $1,000 | $602 | $1,602 | $437 | $1,437 | $164 |
| Atomic City, ID | $100 | $537 | $637 | $391 | $491 | $147 |
| Mud Lake, ID | $1,000 | $483 | $1,483 | $351 | $1,351 | $132 |
| Mackay, ID | $400 | $607 | $1,007 | $441 | $841 | $166 |
| Mud Lake-Hamer, ID | $700 | $510 | $1,210 | $370 | $1,070 | $139 |
| Carey, ID | $100 | $607 | $707 | $441 | $541 | $166 |
| Jefferson County, ID | $2,500 | $674 | $3,174 | $490 | $2,990 | $184 |
| Idaho Falls West, ID | $100 | $645 | $745 | $469 | $569 | $176 |
| West Clark, ID | $2,500 | $456 | $2,956 | $332 | $2,832 | $125 |
| Home Insurance Company Butte County, ID | Homeowners Insurance Agency Butte County, ID | Address | Popularity Score | Distance from Butte County (miles) |
|---|---|---|---|---|
| Allstate | Valley Ins Ctr. | 410 S Frnt Po Box 100, Arco, ID, 83213 | 6.9 | |
| Farmers | L Dean Moncur | 325 North Front, Arco, ID, 83213 | 7.0 |
| 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 |
| Butte County, ID | $110,700 | $671 | $460 | $930 | $470 |
| Butte County, ID | $110,700 | $671 | $480 | $950 | $470 |
| Arco, ID | $103,600 | $486 | $340 | $690 | $350 |
| Howe, ID | $164,300 | $609 | $410 | $840 | $430 |
| Atomic City, ID | $128,000 | $544 | $400 | $750 | $350 |
| Mud Lake, ID | $105,100 | $489 | $350 | $690 | $340 |
| Mackay, ID | $167,900 | $614 | $410 | $840 | $430 |
| Mud Lake-Hamer, ID | $115,900 | $516 | $380 | $730 | $350 |
| Carey, ID | $167,300 | $614 | $440 | $870 | $430 |
| Jefferson County, ID | $166,200 | $682 | $470 | $980 | $510 |
| Idaho Falls West, ID | $196,800 | $653 | $450 | $930 | $480 |
| West Clark, ID | $95,200 | $462 | $330 | $660 | $330 |