Gavop shows you how to buy homeowners insurance in Sandpoint, 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 | $79,000 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $203,500 | $190,000 | $200,000-$250,000 |
| 3 Bedroom | $202,000 | $190,000 | $200,000-$250,000 |
| 4 Bedroom | $368,500 | $300,000 | $400,000-$500,000 |
| 5 Bedroom | $291,500 | $250,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$91 | $558 |
| Superior Protection Discount | -$58 | $591 |
| Fire & Security Discount | -$71 | $578 |
| Hail Resistant Roof Discount | -$19 | $630 |
| Newly Constructed Home Discount | -$143 | $506 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,975 |
| Physical Damage | $2,368 |
| Hail Damage | $4,476 |
| Wind Damage | $6,624 |
| Expensive Claims | |
| Fire | $46,910 |
| Smoke | $16,218 |
| Home Insurance Company Sandpoint, ID | Homeowners Insurance Agency Sandpoint, ID | Address | Popularity Score | Distance from Sandpoint (miles) |
|---|---|---|---|---|
| Farmers | Brad Leggat | 8827 N Government Way Unit 105, Hayden, ID, 83835 | 45.7 | |
| State Farm | Tim Skelton | 2140 Riverstone Dr, Coeur D Alene, ID, 83814 | 49.7 | |
| Allstate | Pacific Far West Agency | 1009 Highway 2 Ste D, Sandpoint, ID, 83864 | 8.7 | |
| Travelers | Insurance Northwest | 2320 N Government Way, Coeur D Alene, ID, 83814 | 49.2 | |
| Travelers | Isu-Pacific Far West Agency | 1009 Highway 2 West Ste D, Sandpoint, ID, 83864 | 8.7 | |
| Travelers | Advocate Insurance Service Inc | 506 Alder St, Sandpoint, ID, 83864 | 8.1 | |
| State Farm | Tim Skelton | 2140 W Riverstone Dr Ste 202, Coeur D Alene, ID, 83814-4968 | 49.6 | |
| Travelers | Summit Insurance Resource Group | 301 Cedar St Ste 203, Sandpoint, ID, 83864 | 8.1 | |
| Travelers | Isu-Pacific Far West Agency | 1009 Highway 2 W Ste D, Sandpoint, ID, 83864 | 8.8 | |
| Travelers | Summit Insurance Resource Group | 1323 Highway 2 Suite 300, Sandpoint, ID, 83864 | 7.8 |
| 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 |
| Bonner County, ID | $222,700 | $663 | $460 | $940 | $480 |
| Sandpoint, ID | $235,100 | $649 | $440 | $900 | $460 |
| Ponderay, ID | $83,300 | $426 | $310 | $580 | $270 |
| Boundary County, ID | $181,300 | $589 | $410 | $810 | $400 |
| Bonners Ferry, ID | $171,600 | $620 | $450 | $860 | $410 |
| Moyie Springs, ID | $182,700 | $635 | $460 | $880 | $420 |
| Pend Oreille County, WA | $186,000 | $632 | $420 | $900 | $480 |
| Ione-Metaline Falls, WA | $173,700 | $662 | $460 | $910 | $450 |
| White Haven, MT | $67,100 | $587 | $450 | $770 | $320 |
| Pioneer Junction, MT | $162,100 | $974 | $740 | $1,280 | $540 |
| Hayden, ID | $219,200 | $632 | $430 | $870 | $440 |