Gavop's guide to buying homeowners insurance in Bonners Ferry, 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 | $48,000 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $154,500 | $140,000 | $150,000-$175,000 |
| 3 Bedroom | $206,000 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $245,500 | $220,000 | $250,000-$300,000 |
| 5 Bedroom | $342,000 | $280,000 | $250,000-$300,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$50 | $570 |
| Home and Two Car | -$99 | $521 |
| Home and Three Car | -$149 | $471 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,276 |
| Physical Damage | $2,440 |
| Hail Damage | $4,759 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $42,889 |
| Smoke | $17,389 |
| Home Insurance Company Bonners Ferry, ID | Homeowners Insurance Agency Bonners Ferry, ID | Address | Popularity Score | Distance from Bonners Ferry (miles) |
|---|---|---|---|---|
| Allstate | Pacific Far West Agency | 1009 Highway 2 Ste D, Sandpoint, ID, 83864 | 38.3 | |
| Travelers | Isu-Pacific Far West Agency | 1009 Highway 2 West Ste D, Sandpoint, ID, 83864 | 38.3 | |
| Travelers | Isu-Pacific Far West Agency | 1009 Highway 2 W Ste D, Sandpoint, ID, 83864 | 38.4 | |
| Liberty Mutual Independent | Summit Insurance Resource Group | 301 Cedar St Ste 203, Sandpoint, ID, 83864 | 37.8 | |
| Liberty Mutual Independent | Summit Insurance Resource Group | 1323 Highway 2 Suite 300, Sandpoint, ID, 83864 | 37.4 | |
| Liberty Mutual Independent | Advocate Insurance Service Inc | 506 Alder St, Sandpoint, ID, 83864 | 37.8 | |
| Travelers | The Insurance Shop Usa | 1218 N Division Ste 101, Sandpoint, ID, 83864 | 37.4 | |
| State Farm | Dale Reed | 302 Main St, Sandpoint, ID, 83864-1434 | 37.9 | |
| Farmers | Sally Hendricks-Bauer | 6803 Main St, Bonners Ferry, ID, 83805 | 8.8 | |
| Liberty Mutual Independent | Smith Insurance Services Inc | 1218 N Division Ave Ste 101, Sandpoint, ID, 83864 | 37.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Idaho | $176,800 | $627 | $450 | $900 | $450 |
| Boundary County, ID | $181,300 | $589 | $410 | $830 | $420 |
| Bonners Ferry, ID | $171,600 | $620 | $430 | $890 | $460 |
| Sylvanite, MT | $262,500 | $1,179 | $900 | $1,540 | $640 |
| Troy, MT | $187,000 | $1,034 | $790 | $1,350 | $560 |
| Sandpoint, ID | $235,100 | $649 | $470 | $900 | $430 |
| Yaak, MT | $250,000 | $1,155 | $880 | $1,510 | $630 |
| Priest River, ID | $173,500 | $579 | $390 | $830 | $440 |
| Hope, ID | $270,800 | $742 | $530 | $1,020 | $490 |
| Ione-Metaline Falls, WA | $173,700 | $662 | $440 | $910 | $470 |
| Metaline Falls, WA | $92,500 | $495 | $360 | $680 | $320 |
| Metaline, WA | $153,600 | $629 | $420 | $870 | $450 |
| Blanchard-Glengary, ID | $230,300 | $693 | $510 | $980 | $470 |