Home Insurance in Idaho: $750K Dwelling, $1,000 Deductible
Estimated Annual Premium: $1850 to $2270
Estimated Monthly Premium: $150 to $190
The range reflects typical variation within your profile. Your actual premium may fall outside this range based on factors not modeled here.
What This Scenario Changes
In Idaho, your estimated annual premium is about $1850 to $2270, which is roughly $150 to $190 per month.
What moves this estimate: the dwelling and deductible inputs work together with wildfire risk. In this scenario, insurers are modeling the rebuild amount and the share of the claim you pay first, then applying the state-level baseline.
Tradeoff: $750K Dwelling changes the rebuild amount the estimate models. If repairs would be expensive in Idaho, higher dwelling protection usually aligns better with that cost, but it can raise premium.
- Tradeoff: $750K Dwelling changes the rebuild amount the estimate models. If repairs would be expensive in Idaho, higher dwelling protection usually aligns better with that cost, but it can raise premium.
- Tradeoff: $1,000 Deductible shifts more of the claim amount to you after a loss. That can lower your upfront cost, but it raises your out-of-pocket share when you need coverage.
- Where this matters most: how much it costs to repair or replace is the background pressure that the scenario inputs layer on top of.
Average home insurance in Idaho · Home by State
How This Estimate Is Calculated
Home estimates use state-level average premiums with multipliers for dwelling value and deductible. County-level pages apply a geographic factor. Educational estimates only.
See our how we calculate page.