Average homeowners insurance cost in Caldwell, ID

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

As per Insure.com’s rate data analysis, the average cost of homeowners insurance in Caldwell is $1,892 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), It’s $690 less than the national average of $2,582.

Homeowners insurance rates differ significantly from one home to another. Home insurance rates in Caldwell depend on several factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

Nationwide is the cheapest homeowners insurance company in Caldwell with an average annual premium of $1,892 per year.

This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Caldwell. Keep reading to learn about the monthly cost of homeowners insurance in Caldwell, the cost for different dwelling coverage levels, and discover which companies provide the most affordable home insurance in Caldwell.

Key takeaways

Homeowners insurance costs $1,892 per year in Caldwell.
At $1,156 per year, Nationwide offers the cheapest homeowners insurance in Caldwell.
Your home insurance rates increase by $470 more annually if you increase your dwelling coverage from $200,000 to $300,000.

Average homeowners insurance cost in Caldwell per month

According to Insure.com’s rate analysis, residents of Caldwell pay an average of $158 per month for homeowners insurance. This is $5 less than the state average of $163 and $57 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Caldwell can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in Caldwell

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $1,422 per year in Caldwell, ID. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Caldwell

Based on a rate analysis conducted by Insure.com, Caldwell residents pay an average of $1,892 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $470 per year for home insurance.

Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area.

Average homeowners insurance cost in Caldwell by Company

Among the carriers analyzed, Nationwide is the cheapest homeowners insurance company in Caldwell. It’s average annual rate for Caldwell homeowners is $1,156. American Family ranks second and Allstate makes it to the third spot with an average annual home insurance rate of $1,373.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Caldwell and prepared a list of the cheapest home insurance providers. You can find below the Caldwell home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
Nationwide	$1,156
American Family	$1,248
Allstate	$1,373
Farmers	$1,919
State Farm	$1,957
Farm Bureau	$2,974
USAA*	$2,060

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Caldwell for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.