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2024

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Best Homeowners Insurance Agencies in Meridian, ID

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Meridian 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.

52Reviewed

35Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6206 North Discovery Place, Boise, ID 83713

Expertise.com Rating

Review Sources

Facebook
5.0 (9)

Why choose this provider?

Financial Insurance Group provides home insurance coverage for property owners near Meridian and the surrounding areas. Its team assists clients with the determining the type of coverage that's right for them and it gathers quotes from multiple providers to offer clients the best rates. Aside from homeowners, this agency can help renters obtain coverage to protect their belongings. Financial Insurance Group also offers clients health, business, and automobile insurance policies.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

North 2nd East, Mountain Home, ID 83647

Expertise.com Rating

Why choose this provider?

Still & Leavitt Insurance Agency Inc. is an insurance agency serving homeowners in the greater Meridian area. The company assists clients with obtaining insurance coverage for their home and personal belongings. In addition to the basic policy, the company can include supplemental policies to ensure clients have the protection that suits their lifestyle and needs. For maximum cost-effectiveness, Still & Leavitt Insurance Agency offers multi-policy plans to combine home and auto insurance.

  • Condos
  • Flood
  • Earthquake

3023 East Copper Point Drive, Meridian, ID 83642

Expertise.com Rating

Review Sources

Google
4.9 (26)
Yelp
3.5 (3)

Why choose this provider?

Idaho Select Insurance is a locally owned firm available for clients seeking homeowners insurance for properties located throughout the Meridian area. It can help clients determine the optimal amount of coverage for their home, based on factors such as its age and material composition. It sources standard policies from top insurance carriers as well as add-on plans to increase protection and coverage. Idaho Select Insurance also offers commercial insurance policies.

  • Fire
  • Multiple Policy Types
  • Personal Property Insurance

501 South Main Street, Meridian, ID 83642

Expertise.com Rating

Review Sources

Google
4.8 (68)
Facebook
5.0 (51)

Why choose this provider?

Mustard Seed Financial & Insurance is a company providing homeowners insurance policies to clients throughout the Meridian area. It works with clients to understand their coverage needs and helps them obtain coverage that fits their needs and budgets. In certain cases, Mustard Seed may be able to combine home and auto insurance to provide additional convenience and cost savings. Insurance carriers this agency works with include AIG, Nationwide, and Berkshire Hathaway.

  • Personal Property Insurance
  • Multiple Policy Types

940 East Carol Street, Meridian, ID 83646

Expertise.com Rating

Review Sources

Google
4.7 (55)
Facebook
4.4 (7)
Yelp
1.0 (1)

Why choose this provider?

Richardson Insurance Services, Inc, provides homeowners' insurance for clients in and around the Meridian area. The agency's policies for homeowners include property coverage, which includes repair costs for damages to the structure, personal property, which covers the cost of lost or damaged valuables like jewelry and electronics, and liability, which covers the costs if someone gets injured within the premises. They also provide additional coverage for high-value homes, mortgage, rentals, secondary homes, and vacation properties.

  • Multiple Policy Types

1414 Broadway Avenue, Boise, ID 83706

Expertise.com Rating

Review Sources

Facebook
4.5 (8)
Yelp
5.0 (1)

Why choose this provider?

Insurance Services of Idaho LLC has been offering home insurance to clients near the Meridian area for over 15 years. The business works with numerous insurance policy providers to help clients obtain the best rate on their homeowners insurance. This company's agents can ensure that homes are protected against severe weather and other types of damage or loss. Insurance Services of Idaho also offers complimentary reviews of clients' current home insurance policies.

  • Fire
  • Multiple Policy Types

10588 West Business Park Lane, Boise, ID 83709

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
5.0 (2)

Why choose this provider?

Silver Key Insurance assists homeowners with obtaining coverage near the Meridian area. As an independent agency, this company has the ability to work with a wide variety of carriers to find coverage that meets clients' needs. It can help clients find coverage for their physical home as well as coverage for any injuries another party received on their property. Additionally, Silver Key Insurance is able to obtain insurance for renters.

  • Renter's Insurance
  • Personal Property Insurance
  • Condos

41 South Baltic Place, Meridian, ID 83642

Expertise.com Rating

Review Sources

Google
4.7 (12)
Facebook
5.0 (5)

Why choose this provider?

Boise River Insurance is an independent insurance agency that provides policies to the Meridian area. One of the insurance policies it provides is homeowners' insurance, which will provide clients with coverage from risks that a homeowner may face. Common coverages include the home and other structures on the property, personal property inside the home, theft, and liability. The agency provides coverages that property owners can use to supplement policies, like flood insurance.

  • Multiple Policy Types

118 East Idaho Avenue, Meridian, ID 83642

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (3)
Yelp
5.0 (2)

Why choose this provider?

Generations Plaza Insurance is an insurance agency in Meridian that has been helping individuals, businesses, and families select the right insurance policies since the 1930's. Its insurance professionals offer homeowners' insurance policy that safeguards the clients economically and emotionally from unexpected threats like fires, explosions, and natural disasters. They assist in evaluating and assessing the amount of insurance needed to cover the costs of rebuilding the home. Its home insurance also pays for the replacement or repair of a damaged home.

  • Flood
  • Renter's Insurance
  • Multiple Policy Types

2541 North Stokesberry Place, Meridian, ID 83646

Expertise.com Rating

Review Sources

Google
3.8 (13)
Facebook
5.0 (5)

Why choose this provider?

James Stocker Group / Boise River Insurance is an independent homeowners' insurance agency that serves clients living in Meridian and the surrounding areas. Its team of specialists provides assistance in finding home insurance carriers that can provide policies that suit the homeowner's needs. They communicate with providers such as Austin Mutual InsuranceCompany, Foremost Insurance Group, Prudential, and Safeco Insurance. James Stocker Group / Boise River Insurance also offers other personal insurance products including auto, condominium, and motorcycle insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Condos

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Financial Insurance Group
6206 North Discovery Place, Boise, ID 83713
Still & Leavitt Insurance Agency Inc
North 2nd East, Mountain Home, ID 83647
Idaho Select Insurance
3023 East Copper Point Drive, Meridian, ID 83642
Mustard Seed Financial & Insurance
501 South Main Street, Meridian, ID 83642
Richardson Insurance Services, Inc
940 East Carol Street, Meridian, ID 83646
Insurance Services of Idaho, LLC
1414 Broadway Avenue, Boise, ID 83706
Silver Key Insurance
10588 West Business Park Lane, Boise, ID 83709
Boise River Insurance
41 South Baltic Place, Meridian, ID 83642
Generations Plaza Insurance
118 East Idaho Avenue, Meridian, ID 83642
James Stocker Group / Boise River Insurance
2541 North Stokesberry Place, Meridian, ID 83646

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.
  • How much does Meridian homeowners’ insurance cost?

    Homeowners’ insurance policies in Meridian with a dwelling coverage level of $250,000 cost an average of $822 per year. This is lower than both the national average annual premium of $1,428 and Idaho’s average of $905. In contrast, cities in the state with the most expensive homeowners’ insurance include New Meadows, Clifton, Riggins, Kootenai, and Lucile.

  • What are common homeowners’ insurance discounts offered by Meridian insurers?

    One of the most common discounts on homeowners’ insurance in Meridian is bundling home and auto coverage, which can save policyholders up to 27% of their total costs. Installing certain home features may also entitle one to discounts. On average, burglar alarms save 11% of costs, fire alarms save 12%, electrical system upgrades save 9%, and roof upgrades save 12%.

  • What types of homeowners’ insurance claims are made in Meridian?

    Windstorm damage is one of the most common reasons for homeowners’ insurance claims in Meridian. Claims due to lightning strikes and fire are also frequent throughout the state. In fact, Idaho is especially vulnerable to wildfires, with more than 300,000 acres burned in 2020. Other common claims are due to damage caused by the weight of snow or ice.

  • What is the average home replacement cost in Meridian?

    The average replacement cost of homes in Meridian is $311,668. This takes into account the cost of labor and the same type of building materials used originally. Dwelling coverage on one’s homeowners’ insurance policy helps cover the rebuilding costs for the structure of the home, including its foundation, walls, roof, and attached structures such as garages or decks.

  • What is a deductible in Meridian homeowners’ insurance?

    In homeowners’ insurance policies in Meridian, a deductible refers to the cost paid upfront when a policyholder makes a claim. For example, those who are filing a claim for $5,000 in damages may need to pay a $1,000 deductible first. In general, the lower one’s deductibles are, the higher their homeowners’ insurance premiums may be.

  • 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.

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