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2024

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Best Homeowners Insurance Agencies in Nampa, ID

Our Recommended Top 11

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 Nampa 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.

61Reviewed

41Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1004 West Roosevelt Avenue, Nampa, ID 83686

Expertise.com Rating

Review Sources

Google
5.0 (143)

Why choose this provider?

Redding Insurance is an independent insurance agency serving the residents of Nampa and the surrounding areas. The company represents multiple insurance providers, and its team helps clients find suitable homeowners insurance packages for their homes that cover the properties from damage from storms, high-speed winds, fire, and smoke. The policies also offer coverage in the events of vandalism and theft. Founder LeRoy Redding has been working as an insurance agent for over 30 years.

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

1314 12th Avenue, Nampa, ID 83651

Expertise.com Rating

Review Sources

Google
4.7 (23)
Facebook
5.0 (12)

Why choose this provider?

Heritage General Insurance is an independent insurance agency that has been serving the residential and commercial community of Nampa since 2009. As an independent agency, it works with several insurance companies with the goal of providing tailored coverage that best suits its clients' individual budgets and needs. It presents different options that allow its clients to compare coverages and premiums from multiple insurance carriers. Its homeowners insurance typically pays for home repairs and rebuilds, property replacements, and additional living expenses.

  • Renter's Insurance
  • Earthquake
  • Condos

4301 Garrity Boulevard, Nampa, ID 83687

Expertise.com Rating

Review Sources

Facebook
4.7 (14)
Google
4.3 (12)

Why choose this provider?

All Valley Insurance is an insurance agency serving the residents of Nampa and the surrounding communities. The agency represents a variety of insurance providers, such as Foremost, Liberty Mutual, and Progressive. This allows its team to help clients find customized coverage for their homes. The plans cover clients' homes and the contents in the events of vandalism, theft, and natural disasters, such as storms and fire. The company also offers life, car, and business insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

410 North Kings Road, Nampa, ID 83687

Expertise.com Rating

Review Sources

Google
4.8 (26)

Why choose this provider?

BigInsurance.com is an agency that focuses on helping Nampa area residents identify insurance policies that best fit their homes. BigInsurance offers support in securing coverage for repairs and replacements due to property damages caused by events such as fires, vandalism, or theft. The firm also helps fulfill insurance requirements for home loans and works to ensure financial protection for liability costs, earthquakes, and floods. BigInsurance was founded by Jay Jensen in 1981 and also offers coverage support for commercial, life, and farm insurance.

  • Fire
  • Multiple Policy Types

324 12th Avenue South, Nampa, ID 83651

Expertise.com Rating

Review Sources

Google
4.9 (70)
Facebook
5.0 (17)
Yelp
5.0 (2)

Why choose this provider?

Ballenger Insurance caters to the Nampa area and offers home insurance services for residents that seek to financially protect their properties. The agency helps clients settle claims for their homes and related structures that need repairs due to damages brought by various disastrous events. Ballenger Insurance also provides insurance support for liabilities, extra living expenses, and personal valuables including electronics and jewelry. The firm has been in the insurance sector since 1954 and also offers support for business, life, and auto insurance.

  • Condos
  • Flood
  • Fire

4301 Garrity Blvd Suite 101, Nampa, ID 83687

Expertise.com Rating

Review Sources

Google
4.6 (44)
Facebook
5.0 (2)

Why choose this provider?

Shawn Kerr is a State Farm insurance agent that helps Nampa area residents ensure financial security for their homes in the event of a disaster. Kerr offers home insurance support to help clients cover replacement and repair costs involving their properties. Kerr's services also cover the loss, theft, or accidental damage of valuable personal possessions. Kerr has been a State Farm agent since 2015 and also offers support for securing auto, business, health, and life insurance.

  • Personal Property Insurance
  • Multiple Policy Types

714 16th Avenue South, Nampa, ID 83651

Expertise.com Rating

Review Sources

Google
4.7 (87)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Mariah Gates Insurance Agency LLC offers insurance policy options to residents and business property owners in Nampa and the rest of the region. The homeowners' insurance policy has two sections, which are the property coverages and the personal liability protection. The property coverages section protects the dwelling itself, other structures in the house, personal belongings, and loss of use or additional living expenses. Optional coverages that can be added include credit card or identity theft charges and loss assessment.

  • Personal Property Insurance
  • Multiple Policy Types

1713 12th Avenue Road, Nampa, ID 83686

Expertise.com Rating

Review Sources

Google
4.2 (23)
Facebook
2.3 (3)

Why choose this provider?

Established in 1984, Jim Waters Insurance is a Nampa-based independent insurance agency. The agency provides homeowners' insurance coverage to clients who own houses, apartments, or condominiums. Insurance coverage can include the property or dwelling, personal belongings, personal liability, and medical coverage. Its clients can also benefit from additional living expense coverage that pays for the living expenses in case they have to temporarily vacate their homes while it goes through damage assessment and rebuilding.

  • Renter's Insurance
  • Multiple Policy Types
  • Fire

904 12th Avenue South, Nampa, ID 83651
Website

Expertise.com Rating

Review Sources

Google
4.8 (22)

Why choose this provider?

WP Insurance provides a wide range of insurance products to businesses and families throughout Nampa and the surrounding areas. This independent insurance agency was established in 1936. The professionals from this business offer homeowners' insurance that covers the client's home, other structures on the property, additional expenses, and personal property. They also provide renters' and condo owners' insurance solutions that cover the client's legal responsibility for property damage and injuries.

  • Renter's Insurance
  • Multiple Policy Types

312 12th Avenue Road, Nampa, ID 83686

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (7)

Why choose this provider?

Eric Lofthus Insurance assists Nampa residents in a wide range of areas including home insurance. Its team provides home insurance policies that protect clients' properties. Home insurance plans are also required by mortgage lenders. The professionals canvas home insurance policies from different carriers including Travelers, American Modern Insurance Group, Safeco, MetLife, and Progressive. Eric Lofthus Insurance has been in service since 1996. Its two-person team has more than four decades of combined experience in the industry.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Carriers

1221 North Jacob Alcott Way, Nampa, ID 83687

Expertise.com Rating

Review Sources

Facebook
5.0 (23)
Google
4.5 (14)

Why choose this provider?

Eric Williams is an insurance agent for Idaho Farm Bureau serving the community of Nampa. Williams can grant a full range homeowners' insurance policy for different clients with specific needs. The purpose of homeowners' insurance is to protect a person from incidents at home that might cause financial loss. Farm Bureau Insurance's homeowners' insurance can cover damages caused by windstorms, frozen plumbing, fire, theft, and home auto impact. It also provides health insurance, renters insurance, auto insurance, and business insurance.

  • Renter's Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Redding Insurance
1004 West Roosevelt Avenue, Nampa, ID 83686
Heritage General Insurance
1314 12th Avenue, Nampa, ID 83651
allvalleyins.com
4301 Garrity Boulevard, Nampa, ID 83687
BigInsurance.com
410 North Kings Road, Nampa, ID 83687
Ballenger Insurance
324 12th Avenue South, Nampa, ID 83651
Shawn Kerr - State Farm Insurance Agent
4301 Garrity Blvd Suite 101, Nampa, ID 83687
Mariah Gates Insurance Agency LLC
714 16th Avenue South, Nampa, ID 83651
Jim Waters Insurance
1713 12th Avenue Road, Nampa, ID 83686
WP Insurance
904 12th Avenue South, Nampa, ID 83651
Eric Lofthus Insurance
312 12th Avenue Road, Nampa, ID 83686
Eric Wilkins - Idaho Farm Bureau Insurance Agent
1221 North Jacob Alcott Way, Nampa, ID 83687

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.
  • In Nampa, is it possible for insurers to cancel your homeowners' insurance?

    Yes. Due to property damage, insurance companies in Nampa may cancel your homeowners' insurance coverage. If they notice that your home has an old, damaged roof, they may shorten your lease. Some insurance companies, however, advise policyholders to repair old roofs, broken windows, stairs, and electrical wiring, as well as remove tree branches that may fall and damage roofs.

  • How can policyholders obtain homeowners' insurance discounts in Nampa?

    Policyholders in Nampa can obtain homeowners' insurance discounts by installing protective devices and smart home systems in their homes. They can save an average of 12% from the $88 per month if they upgrade their smart fire alarm systems. Installing a fire alarm can also save them an average of 11%. In addition, individuals can save up to 27% if they bundle their home and auto insurance policies.

  • What are the reasons for rising homeowners' insurance rates in Nampa?

    Construction costs, climate change, and inflation all have a significant impact on Nampa homeowners' insurance rates. According to the Association of General Contractors' 2021 survey, 89% of contractors are having difficulty finding skilled workers and subcontractors. The cost of tools, materials, and appliances has also increased. Additionally, natural disasters in the area are becoming more common, resulting in greater property damage.

  • What types of water damage are covered by homeowners' insurance in Nampa?

    In Nampa, homeowners' insurance can cover water damage caused by bathroom fixtures or appliance leaks. If a tree fell and damaged your roof, your wet belongings and damaged house are also covered by the policy. However, if the damage is caused by sewer backup flooding, your standard homeowners' insurance cannot cover the repair and replacement costs. You need to obtain separate flood insurance from the National Flood Insurance Program.

  • In Nampa, can your homeowners' insurance cover your small business in your home?

    It depends on the circumstances. If you run a small home-based business in Nampa, you can get a homeowners' insurance policy that covers only a limited amount of business equipment and supplies. In most cases, however, policyholders are advised to obtain separate business insurance to cover liability expenses in the event of an unexpected event.

  • 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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