Home Home insurance Average home insurance cost Idaho Nampa, ID Average homeowners insurance cost in Nampa, Idaho In Nampa, homeowners insurance costs an average of $1,864 a year. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: September 3, 2025 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. In Nampa, homeowners pay an average annual rate of $1,864 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible). It’s $718 less than the national average of $2,582 .Homeowners insurance rates change from one home to another. The home insurance premium in Nampa depends on various factors, such as:Size of your homeAge of your homeAmount of coverage you needLocationYour credit scoreAmerican Family is the cheapest homeowners insurance company in Nampa with an average annual premium of $1,123 per year.This guide covers everything from available coverage options to companies with the cheapest homeowners insurance rates in Nampa. Keep reading to learn about the monthly cost of homeowners insurance in Nampa, the cost for different dwelling coverage levels, and which companies provide the most affordable home insurance in Nampa. Key TakeawaysHomeowners insurance costs $1,864 per year in Nampa.At $1,123 per year, American Family offers the cheapest homeowners insurance in Nampa.Your home insurance rates increase by $466 more annually if you increase your dwelling coverage from $200,000 to $300,000.Average homeowners insurance cost per monthHow much you pay for a homeowners insurance policy depends on the value of your home, your location, and the coverage options you select.Homeowners in Nampa pay an average of $155 per month. It’s $8 less than the state average of $163 and $60 less than the national average for home insurance across the nation.Average homeowners insurance cost for a $200,000 houseIn Nampa, ID, homeowners pay an average of $1,398 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as natural disasters or events within your locality.Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas, resulting in costlier insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.Average homeowners insurance cost for a $300,000 house in NampaAccording to a rate analysis by Insure.com, homeowners in Nampa pay an average of $1,864 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.If you increase your dwelling coverage from $200,000 to $300,000, you’ll have to pay $466 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.However, the amount of dwelling coverage you need may vary depending on the size of your home, its features, and the cost of living in your area.Average homeowners insurance cost in Nampa by companyAmong the carriers we analyzed, American Family is the cheapest homeowners insurance company in Nampa. Its average annual rate for Nampa homeowners is $1,123 , while Nationwide ranks second.Before picking a homeowners insurance policy, it’s a good idea to do a little homework on the company. To make it easier, our experts reviewed all the top insurers in Nampa and put together a list of the most affordable options. Below, you’ll find the average annual premiums for each provider in the area.Home Insurance Company Annual rate American Family$1,123Nationwide$1,181State Farm$1,917Farmers$1,919Farm Bureau$2,974Allstate$1,429USAA*$1,997*USAA is only available to military community members and their families.Powered by:Bundling your home insurance with other policies, such as auto insurance, can result in substantial savings. Many insurers offer discounts to policyholders who combine multiple policies. It will help you lower your premiums and simplify policy management.Natural disasters in Idaho that can impact your home insuranceLiving in Idaho comes with the threat of natural disasters, which can cause significant damage to homes and property, often resulting in costly insurance claims. Understanding which natural disasters are most common in your area is essential when selecting a home insurance policy.By knowing the specific risks in your region, you can make informed decisions about coverage limits, deductibles, and whether you need additional protection. That knowledge ensures you’re not left underinsured when disaster strikes and protects your financial well-being in the long run.Idaho is commonly affected by Cold wave and Landslide.How home insurance protects you against natural disastersHome insurance protects your property and belongings from the financial impact of natural disasters. Home insurance can help pay for structural damage repairs, replace lost or damaged items, and provide funds for temporary housing if you can’t live in your home. This coverage provides financial relief, making it easier for homeowners to recover quickly from the effects of natural disasters.While standard policies generally cover damage from windstorms, hail and lightning, additional coverage is required for disasters like floods, earthquakes and wildfires.These types of damage are usually not covered by homeowners insurance, so homeowners need to buy separate flood or earthquake insurance to ensure complete protection.Keep in mind: Standard policies may not cover everythingWhile homeowners insurance typically protects against common hazards, some natural disasters – like floods and earthquakes – require separate policies. Don’t assume you’re fully covered. Check your policy details and consider endorsements or supplemental coverage if you live in a high-risk area.MethodologyInsure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Nampa 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. How much is home insurance in other cities?CaldwellIdaho FallsMeridianShivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2025 What is dwelling coverage and how much do you need? 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Most Americans don’t 1/1 Related Articles Cost of living comparison by state By Chris Kissell Average homeowners insurance cost by ZIP code in 2025 By Barry Eitel $400K home insurance cost calculator By Zack Sigel Homeowners insurance rates by state in 2025 By Jake Safane Renters insurance calculator: How much renters insurance costs by state and city in 2025 By Shivani Gite Cost of living calculator By Nupur Gambhir On this page Average homeowners insurance cost per monthAverage homeowners insurance cost for a $200,000 houseAverage homeowners insurance cost for a $300,000 house in NampaAverage homeowners insurance cost in Nampa by companyNatural disasters in Idaho that can impact your home insuranceHow home insurance protects you against natural disastersMethodology ZIP Code Please enter valid ZIP See rates (844) 761-9316