Gavop's guide to buying homeowners insurance in Hayden, 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.
| Hayden, ID - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| N Camp Ct, W Cheyenne Ave, N Building Center Dr, E Aspen Ln, E Yearling Cir, N Kent St, Roberts Rd, N Fir Ave, E Pine Haven Ln, E Forest View Dr | $234,500 | $220,000 | $250,000-$300,000 | $166,000 | $150,000 | $175,000-$200,000 |
| W Carol Rd, E West Pebblestone Ct, E Silver Spur Rd, W Peach Tree Dr, N Gibson Rd, N Bonanza Trl, N Degras Dr, Northwood Dr, E Gwen Ct, N Diamond Dr | $327,500 | $290,000 | $350,000-$400,000 | $151,500 | $130,000 | $100,000-$125,000 |
| W Kentucky Ave, N McCoy Rd, N 3rd St, N Airport Rd, N Margaux St, N Pinetree Rd, N Pine Haven Ln, E Orchard Ave, E 3rd St, Gibson Rd | $309,000 | $270,000 | $250,000-$300,000 | $123,000 | $100,000 | $100,000-$125,000 |
| E Hope Ave, Faith Ct, W Pleasant Ave, N Bedford Ln, N Troon St, W Hilgren Ave, N Crusader St, N Pend Oreille Pines Dr, Fremont Ave, N Mac Arthur Way | $205,500 | $190,000 | $200,000-$250,000 | $123,000 | $100,000 | $125,000-$150,000 |
| N Nomad Ct, E Hooker Hill Rd, E Cumberland Ct, W Commerce Dr, E Humbolt Ave, Lindsey Rd, E Summit Dr, Parkside Dr, E Bozanta Dr, E Preakness Ave | $418,500 | $380,000 | $400,000-$500,000 | $284,500 | $240,000 | $250,000-$300,000 |
| W Elmwood Dr, N Crown Ave, E Native Ln, N Maple St, W Cranberry Ave, W Timberlake Loop, N Icehouse Ln, Hill Ave, W Minnesota Ave, N North Star Ln | $190,000 | $150,000 | $200,000-$250,000 | $199,000 | $160,000 | $200,000-$250,000 |
| N Flatrock Rd, W Pinegrove Dr, W Chaparral Ave, N Ryan Dr, W Honeysuckle Ave, E Rockridge Ln, Bitterroot Ct, Elk Run Ln, N Salmonberry Loop, W Westminster Ave | $340,500 | $310,000 | $300,000-$350,000 | $166,500 | $150,000 | $125,000-$150,000 |
| Louvonne Dr, E Greenleaf Ln, W Princetown Ln, E Loch Maree Dr, N Bartlett Ave, Rivard Rd, N Shenandoah Dr, E Southwood Ct, N Kayla Ct, E Evernade Rd | $350,500 | $290,000 | $300,000-$350,000 | $275,500 | $240,000 | $300,000-$350,000 |
| N Kender Ln, N Old Highway 95, W Ashland Ln, Forest Ave, N Aero Dr, W Fallview Dr, N Pinta Ct, Collins Rd, E Hummingbird Ln, N Alice Ct | $317,500 | $260,000 | $300,000-$350,000 | $174,500 | $150,000 | $150,000-$175,000 |
| Totten Ln, N St Michelle Dr, W Hampton Ct, E Avondale Ln, W Centa Dr, N Carolwood Ct, N Courcelles Pkwy, N Bashert Trl, N Walker St, N Lakewood Dr | $231,000 | $200,000 | $250,000-$300,000 | $183,000 | $160,000 | $175,000-$200,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$89 | $544 |
| Superior Protection Discount | -$57 | $575 |
| Fire & Security Discount | -$51 | $582 |
| Hail Resistant Roof Discount | -$19 | $613 |
| Newly Constructed Home Discount | -$126 | $506 |
| 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 |
| Kootenai County | $2,500 | $645 | $3,145 | $469 | $2,969 | $176 |
| Hayden, ID | $1,000 | $625 | $1,625 | $454 | $1,454 | $171 |
| Spirit Lake-Athol, ID | $1,500 | $734 | $2,234 | $533 | $2,033 | $201 |
| Liberty Lake, WA | $500 | $631 | $1,131 | $458 | $958 | $172 |
| Spokane South, WA | $1,500 | $812 | $2,312 | $590 | $2,090 | $222 |
| Murray, ID | $200 | $695 | $895 | $505 | $705 | $190 |
| Clark Fork, ID | $1,000 | $655 | $1,655 | $476 | $1,476 | $179 |
| Clayton, WA | $300 | $670 | $970 | $487 | $787 | $183 |
| Osburn-Wallace, ID | $1,000 | $508 | $1,508 | $369 | $1,369 | $139 |
| Farmington, WA | $400 | $490 | $890 | $356 | $756 | $134 |
| Priest River, ID | $2,500 | $572 | $3,072 | $416 | $2,916 | $156 |
| Home Insurance Company Hayden, ID | Homeowners Insurance Agency Hayden, ID | Address | Popularity Score | Distance from Hayden (miles) |
|---|---|---|---|---|
| Farmers | Brad Leggat | 8827 N Government Way Unit 105, Hayden, ID, 83835 | 1.3 | |
| State Farm | Tim Skelton | 2140 Riverstone Dr, Coeur D Alene, ID, 83814 | 4.9 | |
| Farmers | David Lunceford | 610 W Hubbard St Ste 121, Coeur D Alene, ID, 83814 | 5.9 | |
| Allstate | Pacific Far West Agency | 1009 Highway 2 Ste D, Sandpoint, ID, 83864 | 36.4 | |
| Farmers | Michael Score | 202 1/2 N 4th St, Coeur D Alene, ID, 83814 | 6.5 | |
| State Farm | Tim Skelton | 2140 W Riverstone Dr Ste 202, Coeur D Alene, ID, 83814-4968 | 4.9 | |
| Allstate | Isu Insurance Services - Haddock And Associates | 1311 N Northwood Center Ct, Coeur D Alene, ID, 83814 | 4.8 | |
| Allstate | Andy Cline | 780 N Cecil Rd Ste 104, Post Falls, ID, 83854 | 6.0 | |
| Travelers | Summit Insurance Resource Group | 1323 Highway 2 Suite 300, Sandpoint, ID, 83864 | 37.3 | |
| Allstate | Steve Halliday | 8880 N Hess St # 3, Hayden Lake, ID, 83835 | 1.2 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Idaho | $176,800 | $627 | $460 | $880 | $420 |
| Kootenai County, ID | $212,900 | $653 | $450 | $900 | $450 |
| Hayden, ID | $219,200 | $632 | $420 | $870 | $450 |
| Spirit Lake-Athol, ID | $271,300 | $743 | $510 | $1,060 | $550 |
| Liberty Lake, WA | $247,300 | $638 | $430 | $910 | $480 |
| Spokane South, WA | $296,200 | $822 | $550 | $1,180 | $630 |
| Murray, ID | $239,300 | $703 | $510 | $970 | $460 |
| Clark Fork, ID | $204,800 | $663 | $460 | $930 | $470 |
| Clayton, WA | $184,200 | $678 | $450 | $960 | $510 |
| Osburn-Wallace, ID | $114,900 | $514 | $350 | $740 | $390 |
| Farmington, WA | $93,000 | $496 | $330 | $700 | $370 |
| Priest River, ID | $173,500 | $579 | $400 | $790 | $390 |