Gavop's guide to buying homeowners insurance in Shoshone 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 | $62,500 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $176,000 | $150,000 | $150,000-$175,000 |
| 3 Bedroom | $174,500 | $150,000 | $175,000-$200,000 |
| 4 Bedroom | $324,500 | $280,000 | $350,000-$400,000 |
| 5 Bedroom | $489,000 | $440,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$106 | $558 |
| Superior Protection Discount | -$66 | $598 |
| Fire & Security Discount | -$73 | $592 |
| Hail Resistant Roof Discount | -$13 | $651 |
| Newly Constructed Home Discount | -$193 | $472 |
| 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 |
| Shoshone County | $700 | $657 | $1,357 | $477 | $1,177 | $179 |
| Shoshone County, ID | $2,000 | $657 | $2,657 | $477 | $2,477 | $179 |
| Benewah County, ID | $500 | $663 | $1,163 | $481 | $981 | $181 |
| Trout Creek, MT | $2,500 | $990 | $3,490 | $719 | $3,219 | $271 |
| St. Regis, MT | $200 | $942 | $1,142 | $684 | $884 | $257 |
| Parkline, ID | $2,500 | $551 | $3,051 | $401 | $2,901 | $151 |
| Mineral County, MT | $400 | $803 | $1,203 | $584 | $984 | $220 |
| Noxon, MT | $200 | $872 | $1,072 | $634 | $834 | $238 |
| Deary-Bovill, ID | $1,500 | $618 | $2,118 | $449 | $1,949 | $169 |
| Plummer, ID | $300 | $556 | $856 | $404 | $704 | $152 |
| Hayden Lake, ID | $700 | $1,583 | $2,283 | $1,150 | $1,850 | $433 |
| Home Insurance Company Shoshone County, ID | Homeowners Insurance Agency Shoshone County, ID | Address | Popularity Score | Distance from Shoshone County (miles) |
|---|---|---|---|---|
| Farmers | David Lunceford | 610 W Hubbard St Ste 121, Coeur D Alene, ID, 83814 | 48.4 | |
| Farmers | Michael Score | 202 1/2 N 4th St, Coeur D Alene, ID, 83814 | 47.6 | |
| Travelers | Insurance Northwest | 2320 N Government Way, Coeur D Alene, ID, 83814 | 48.7 | |
| State Farm | Tim Skelton | 2140 W Riverstone Dr Ste 202, Coeur D Alene, ID, 83814-4968 | 49.7 | |
| State Farm | Tim Skelton | 2140 Riverstone Dr, Coeur D Alene, ID, 83814 | 49.7 | |
| Allstate | Isu Insurance Services - Haddock And Associates | 1311 N Northwood Center Ct, Coeur D Alene, ID, 83814 | 49.4 | |
| Travelers | Coeur Dalene Insurance | 602 Bank St, Wallace, ID, 83873 | 8.8 | |
| Allstate | Jeffi Tibbetts | 610 W Hubbard St Ste 206, Coeur D Alene, ID, 83814 | 48.4 | |
| Allstate | James Gray | 1621 N 3rd St Ste 800, Coeur D Alene, ID, 83814 | 48.2 | |
| Allstate | Theresa Holmes | 73 Homer Dr, Saint Maries, ID, 83861 | 31.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Idaho | $176,800 | $627 | $430 | $870 | $440 |
| Shoshone County, ID | $117,500 | $665 | $470 | $920 | $450 |
| Shoshone County, ID | $117,500 | $665 | $460 | $940 | $480 |
| Benewah County, ID | $150,800 | $671 | $450 | $950 | $500 |
| Trout Creek, MT | $173,100 | $1,002 | $760 | $1,310 | $550 |
| St. Regis, MT | $154,200 | $953 | $720 | $1,250 | $530 |
| Parkline, ID | $135,000 | $558 | $380 | $760 | $380 |
| Mineral County, MT | $159,800 | $813 | $620 | $1,070 | $450 |
| Noxon, MT | $131,700 | $883 | $670 | $1,160 | $490 |
| Deary-Bovill, ID | $175,800 | $626 | $460 | $860 | $400 |
| Plummer, ID | $137,500 | $563 | $380 | $780 | $400 |
| Hayden Lake, ID | $488,300 | $1,602 | $1,170 | $2,260 | $1,090 |