Average homeowners insurance cost in Nampa, ID

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In Nampa, homeowners pay an average annual rate of $1,864 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $718 less than the national average of $2,582.

Homeowners insurance premiums can vary significantly from one property to another. In Nampa, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in Nampa, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Nampa.

Key takeaways

The average cost of homeowners insurance in Nampa is $1,864 per year.
American Family is the cheapest homeowners insurance company in Nampa with an average annual premium of $1,123.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $466 more a year for home insurance.

Average homeowners insurance cost in Nampa per month

According to Insure.com’s rate analysis, residents of Nampa pay an average of $155 per month for homeowners insurance. This is $8 less than the state average of $163 and $60 less than the national average for home insurance across the United States. The cost of your homeowners insurance policy in Nampa can vary depending on your location, property value, and selected coverage options.

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

In 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 are higher, resulting in higher 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 Nampa

According 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 will just 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, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Nampa by company

After evaluating several carriers, American Family is the least expensive homeowners insurance provider in Nampa. It’s average annual rate for homeowners in Nampa is $1,123.

Nationwide holds the second position, while Allstate secures the third spot with an average annual home insurance rate of $1,429.

Researching the insurance company is crucial before selecting a homeowners insurance policy. Our experts have analyzed all insurance providers in Nampa and compiled a list of the cheapest home insurance providers. Below, you’ll find the home insurance companies in Nampa and their average annual premiums.

Home Insurance Company	Annual rate
American Family	$1,123
Nationwide	$1,181
State Farm	$1,917
Farmers	$1,919
Farm Bureau	$2,974
Allstate	$1,429
USAA*	$1,997

Methodology

Insure.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.