Expertise.com Homepage

2024

Last updated:

Best Homeowners Insurance Agencies in Boise, ID

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Boise Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

128Reviewed

81Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Nampa, ID 83686

Expertise.com Rating

Review Sources

Google
4.2 (23)

Why choose this provider?

Jim Waters Insurance is located in Nampa, Idaho, and serves residents in surrounding areas, including Boise. Since 1984, the agency helps clients secure and maintain home insurance policies through companies like Progressive, Safeco, and Austin Mutual. Home insurance policies provide property, liability, medical payments coverage. Insurance plans protect owners of homes and condominiums, along with renters, against damage to the home or personal belongings due to natural disasters. Additionally, Jim Waters Insurance offers auto, boat, motorcycle, and umbrella insurance.

  • Renter's Insurance
  • Condos
  • Flood

894 E Boise Ave Ste. 100, Boise, ID 83706

Expertise.com Rating

Why choose this provider?

Boise Home & Flood offers insurance coverage to individuals in the metro. Its owner, Eric Jeglum, has been an agent for over 17 years and has served more than 2,500 clients. He helps customers and neighbors protect their most valuable assets through insurance plans and policies, including renters', condos, manufactured homes, rental property, and flood insurance. He also helps individuals insure mobile and vacation homes, secondary residences, and log cabins. Additional products include life, auto, and personal umbrella insurance.

  • Multiple Carriers

940 E Carol St, Meridian, ID 83646

Expertise.com Rating

Review Sources

Google
4.8 (59)
Facebook
4.5 (11)
Yelp
1.0 (1)

Why choose this provider?

Founded in 1988, Richardson Insurance Services Inc. assists clients in the Boise, Idaho, metro area with home insurance policies, helping them to procure coverage for structures, personal property, liability, medical expenses, and living expenses. It also educates clients on special coverages they may need, such as flood and earthquake protections, which are not included in standard policies, as well as jewelry floaters. Auto insurance services can be purchased also, and if desired, combined with home insurance coverage under an umbrella policy.

  • Renter's Insurance
  • Condos
  • Earthquake

10159 W Overland Rd, Boise, ID 83709

Expertise.com Rating

Review Sources

Facebook
4.9 (73)
Google
5.0 (16)

Why choose this provider?

Three Rivers Insurance is an insurance company based in Boise, Idaho, with three additional offices across the state. The locally owned and operated agency provides insurance coverage including homeowners liability, property insurance, renters insurance, and condo and mobile home insurance. Its insurance specialists help clients to coordinate programs that determine the best coverage for their specific needs. The company's additional personal insurance products also include identity theft, umbrella insurance, and data backup.

  • Earthquake
  • Fire
  • Flood

1112 5th St S, Nampa, ID 83651

Expertise.com Rating

Review Sources

Google
4.8 (46)
Facebook
4.8 (40)
Yelp
1.0 (1)

Why choose this provider?

Founded in 2008, Deb Williams Insurance is an independent insurance agency located in Nampa, Idaho, serving the Boise metro area. Specializing in insurance for homeowners, the agency is a broker for many carriers, including MetLife and The Hartford, which allows it to negotiate competitive rates for its clients. Typical home insurance will include coverage for its structure and associated buildings like a garage or shed, the home's contents, and liability coverage if a visitor is injured on the property.

  • Multiple Policy Types
  • Homeowners

1036 E Iron Eagle Dr Ste 120, Eagle, ID 83616

Expertise.com Rating

Why choose this provider?

March Insurance Group is a locally owned insurance broker based in Eagle, Idaho. Licensed specialists help homeowners throughout Idaho and Oregon state find policies that protect their homes, valuables, and families. The group offers custom packages to fit any home type and style, from houses in an Eagle area subdivision to lakeside cabins in McCall and family farms in Kuna. Other home protection options include renters, condo, dwelling, ranch, and landlord insurance policies.

  • Renter's Insurance
  • Condos
  • Personal Property Insurance

1693 S Spring Valley Ln Ste 200, Meridian, ID 83642

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Insure Idaho LLC in Meridian, Idaho, is a full-service and family-owned independent insurance agency that sells home insurance throughout the Boise metro, Treasure Valley, and Idaho. The agency tailors its quotes for home insurance by tweaking such things as deductibles, previous claims, occupation, type of roof and siding, and updates. Insure Idaho provides cost-effective coverage for individuals, families, and businesses through its partnerships with over 27 insurance carriers, including Safeco, Travelers and Metlife. Additionally, Insure Idaho specializes in Commercial General Liability, Commercial Property and Work Comp Insurance.

  • Renter's Insurance
  • Condos
  • Earthquake

4792 W Overland Road Suite 300, Boise, ID 83705

Expertise.com Rating

Review Sources

Google
5.0 (268)
Facebook
5.0 (12)
Yelp
5.0 (1)

Why choose this provider?

Collin Leino has over a decade of experience in handling insurance concerns. He has been an agent for State Farm since 2012, and he serves clients in Boise and other communities in the Treasure Valley region. He handles insurance products for homes, automobiles, businesses, and pets. With over 20 years of combined experience among his team, additional types of policies available include life, health, and renters' insurance. Collin Leino also assists with annuities and banking.

  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

2676 S Vista Ave, Boise, ID 83705
WebsiteLicense: 121437

Expertise.com Rating

Review Sources

Google
4.9 (36)
Facebook
5.0 (14)

Why choose this provider?

Associated Insurance Services offers homeowners' insurance to residents of Boise. The insurance policy helps clients protect their personal properties from damages caused by disasters. It also includes medical coverage for injured visitors on the property. The agency also offers a wide range of personal and business insurance products, including auto, flood, boat, hotel, and commercial umbrella insurance. Associated Insurance Services' parent company, Associated Loggers Exchange, was founded by a group of logging and wood product hauling contractors in 1979.

  • Renter's Insurance
  • Flood
  • Homeowners

6618 Cleveland Blvd Ste A, Caldwell, ID 83607

Expertise.com Rating

Review Sources

Google
4.9 (11)

Why choose this provider?

Founded in 1995, Midtowne Insurance Agency is an independent insurance company located in the Boise, Idaho, metro area. Home coverage specialists research coverage options and rates from top insurance carriers to help clients get the best policies at competitive prices. Choices include property and dwelling policies that cover home repair and replacement costs, items in the house, and other buildings on the property, such as detached garages and sheds, medical liabilities, and additional living expenses following a loss.

  • Renter's Insurance
  • Condos
  • Flood

851 E Fairview Ave, Meridian, ID 83642

Expertise.com Rating

Why choose this provider?

Ballard & Co Inc Insurance is a family-owned and operated insurance brokerage in Meridian, Idaho. It works with Progressive, Metlife, and dozens of other insurance carriers. Founded by Sid Ballard in 1981, the agency provides home insurance to clients with traditional homes and condos throughout the Boise metro area. Policies generally deal with liability lawsuits, bodily injuries, and property damage, protecting clients from weather and other events with additional coverages available.

  • Multiple Carriers
  • Personal Property Insurance

6307 W Interchange Lane, Ste 100, Boise, ID 83709
WebsiteLicense: 30997

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Christensen & Associates is a locally owned and operated insurance agency based in Boise. It offers a wide range of insurance products, including auto, home, and life insurance. Its team of professionals helps clients select packages that suit their needs. Insurance options cover mobile homes, condos, and in-home businesses. Jan Christensen, the agency's CEO and president, possesses more than 40 years of experience in property and casualty insurance. He has been a recipient of the Safeco Award of Excellence for 34 consecutive years.

  • Landlords
  • Renter's Insurance
  • Homeowners

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Jim Waters Insurance
Nampa, ID 83686
Boise Home & Flood
894 E Boise Ave Ste. 100, Boise, ID 83706
Richardson Insurance Services, Inc
940 E Carol St, Meridian, ID 83646
Three Rivers Insurance
10159 W Overland Rd, Boise, ID 83709
Deb Williams Insurance
1112 5th St S, Nampa, ID 83651
March Insurance Group
1036 E Iron Eagle Dr Ste 120, Eagle, ID 83616
Insure Idaho, LLC
1693 S Spring Valley Ln Ste 200, Meridian, ID 83642
Collin Leino
4792 W Overland Road Suite 300, Boise, ID 83705
Associated Insurance Services
2676 S Vista Ave, Boise, ID 83705
Midtowne Insurance Agency
6618 Cleveland Blvd Ste A, Caldwell, ID 83607
Ballard & Co Inc Insurance
851 E Fairview Ave, Meridian, ID 83642
Christensen & Associates
6307 W Interchange Lane, Ste 100, Boise, ID 83709

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • Why do homeowners in Boise require insurance?

    Homeowners' insurance in Boise offers protection for both property and personal items. It stands as a barrier against unforeseen damages or losses, ensuring safety for the dwelling and its contents. It further provides legal protection for residents. If someone has a home loan, they're required to have this coverage. It's a wise decision, guarding their significant investments of effort, funds, and time.

  • Does a basic homeowners' insurance policy in Boise cover all types of property loss?

    In Boise, standard homeowners insurance doesn't cover every loss. Ensuring dwelling insurance limits match at least 80% of the house's replacement cost is advised. If a disaster strikes, this helps in reconstructing the home. However, events like earthquakes and floods aren't typically covered. Knowing the policy's specifics and considering added coverage if needed is essential.

  • What is required of an insurer when they decide to cancel or not renew a homeowner's property insurance in Boise?

    When a homeowner in Boise gets a notice that their property insurance won't renew or is ending, the insurer must provide a written explanation detailing the effective date and reasons. The timeframe given for the notice is based on the reason behind the cancellation. While there are few restrictions on discontinuing or not extending property insurance, it's imperative for the policyholder to scrutinize their policy. It might outline extra stipulations for both the insurance company and the policyholder.

  • Is homeowners' insurance legally required for Boise homeowners?

    In Boise, the law doesn't demand homeowners' insurance. However, lending firms do so to secure their financial interest. Homeowners recognize the importance of this insurance, given the high costs of houses and the unpredictability of property calamities. A comprehensive policy ensures funds to reconstruct the residence and replace the insured belongings if a covered disaster hits.

  • What should homeowners in Boise know about home maintenance and timely claims for their insurance?

    In Boise, insurers need homes regularly maintained for coverage, especially roofs. Skipping this might lead to denied claims, particularly after storm damages. It's wise to check roofs every couple of years. While most insurers grant up to 180 days to file a claim, it's best to act quickly. This is especially true for big claims, like fires or floods. Speedy claims reduce further damage costs, and homeowners usually want swift recoveries.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

Related Articles

FeaturedState Farm home insurance reviews

State Farm Home Insurance Review 2024

Expertise ranks State Farm as the fifth-best homeowners insurance based on its affordable coverage and customizable policies....

FeaturedHomeowners insurance featured image

7 Best Homeowners Insurance Companies of 2024

Expertise analyzed the top home insurance providers in the country and found that Amica is the best insurer overall.