Idaho
Landlord insurance in Idaho
Costs, coverage, and local rental data for Idaho property owners. A quote is not a binder.
Idaho has about 198,644 renter-occupied homes, 28% of all occupied housing. The median owner-occupied home is valued at $418,600 and median gross rent is $1,238 a month (ACS 2020–2024). This page covers what landlord insurance costs in Idaho, what moves a quote, and local pages for the largest rental markets.
What landlord insurance costs in Idaho
The NAIC's average dwelling-fire premium in Idaho was $671 in 2023, which ranks 5 of the ten states we serve (highest first). The Idaho HO-3 homeowners average was $1,135. Dwelling-fire figures mix basic and broad forms and are collected for owner-occupied one-family homes, so use them as background rather than a quote.
| Amount of dwelling insurance | Idaho average dwelling-fire premium (2023) |
|---|---|
| Under $150,000 | $501 |
| $150,000–$199,999 | $591 |
| $200,000–$224,999 | $623 |
| $225,000–$249,999 | $598 |
| $250,000–$274,999 | $626 |
| $275,000–$299,999 | $644 |
| $300,000–$324,999 | $764 |
| $325,000–$349,999 | $700 |
| $350,000–$399,999 | $773 |
| $400,000–$449,999 | $803 |
| $450,000–$499,999 | $786 |
| $500,000–$599,999 | $960 |
| $600,000–$699,999 | $1,070 |
| $700,000–$999,999 | $687 |
| $1,000,000 and over | $677 |
| All amounts (state average) | $671 |
Source: NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026). View the report (PDF). Consumer resources: Idaho Department of Insurance.
What moves your landlord quote in Idaho
- Weather exposure: hail and summer thunderstorms; freezing pipes in long cold winters; wildfire at the wildland edge; snow load on roofs in mountain areas.
- Rebuild cost: NAIC averages above climb consistently with the amount of insurance.
- Building age and systems: the median Idaho home was built in 1991; roof, wiring, plumbing, and heating updates matter.
- Building type: 6% of Idaho homes are in 2–4 unit buildings and 77% are single-family.
- Occupancy: long-term, short-term, student, or vacant.
- Policy choices: DP-1 vs. DP-3, liability limit, loss of rents, deductible, and any wind or hail deductible.
- Claims history on the property and for the owner.
Largest Idaho rental markets
- Boise 37% renters · median value $484,800
- Meridian 25% renters · median value $531,600
- Nampa 30% renters · median value $370,800
- Caldwell 27% renters · median value $367,300
- Idaho Falls 36% renters · median value $335,500
- Pocatello 36% renters · median value $271,000
- Coeur d'Alene 41% renters · median value $483,500
- Twin Falls 36% renters · median value $321,300
- Post Falls 36% renters · median value $477,400
- Rexburg 77% renters · median value $395,100
- Lewiston 33% renters · median value $333,700
- Eagle 16% renters · median value $772,900
- Kuna 18% renters · median value $423,900
- Moscow 60% renters · median value $376,400
- Ammon 31% renters · median value $381,800
Coverage guides for Idaho landlords
- Rental property insurance
- Dwelling fire policy (DP-1/2/3)
- Landlord vs. homeowners insurance
- Landlord insurance cost by state
- Duplex & fourplex landlord insurance
Other Idaho communities we serve
We accept quote requests for rentals anywhere in Idaho, including these communities, grouped by county.
Ada County: Garden City, Star
Adams County: Council, New Meadows
Bannock County: Arimo, Chubbuck, Downey, Inkom, Lava Hot Springs, McCammon
Bear Lake County: Bloomington, Georgetown, Montpelier, Paris, St. Charles
Benewah County: Plummer, St. Maries, Tensed
Bingham County: Aberdeen, Basalt, Blackfoot, Firth, Shelley
Blaine County: Bellevue, Carey, Hailey, Ketchum, Sun Valley
Boise County: Crouch, Horseshoe Bend, Idaho City, Placerville
Bonner County: Clark Fork, Dover, East Hope, Hope, Kootenai, Oldtown, Ponderay, Priest River, Sandpoint
Bonneville County: Iona, Irwin, Swan Valley, Ucon
Boundary County: Bonners Ferry, Moyie Springs
Butte County: Arco, Butte City, Moore
Camas County: Fairfield
Canyon County: Greenleaf, Melba, Middleton, Notus, Parma, Wilder
Caribou County: Bancroft, Grace, Soda Springs
Cassia County: Albion, Burley, Declo, Malta, Oakley
Clark County: Dubois, Spencer
Clearwater County: Elk River, Orofino, Pierce, Weippe
Custer County: Challis, Clayton, Mackay, Stanley
Elmore County: Glenns Ferry, Mountain Home
Franklin County: Clifton, Dayton, Franklin, Oxford, Preston, Weston
Fremont County: Ashton, Drummond, Island Park, Newdale, Parker, St. Anthony, Teton, Warm River
Gem County: Emmett
Gooding County: Bliss, Gooding, Hagerman, Wendell
Idaho County: Cottonwood, Ferdinand, Grangeville, Kooskia, Riggins, Stites, White Bird
Jefferson County: Lewisville, Menan, Mud Lake, Rigby, Ririe, Roberts
Jerome County: Eden, Hazelton, Jerome
Kootenai County: Athol, Dalton Gardens, Fernan Lake Village, Harrison, Hauser, Hayden, Hayden Lake, Huetter, Rathdrum, Spirit Lake, State Line, Worley
Latah County: Bovill, Deary, Genesee, Juliaetta, Kendrick, Onaway, Potlatch, Troy
Lemhi County: Leadore, Salmon
Lewis County: Craigmont, Kamiah, Nezperce, Reubens, Winchester
Lincoln County: Dietrich, Richfield, Shoshone
Madison County: Sugar City
Minidoka County: Acequia, Heyburn, Minidoka, Paul, Rupert
Nez Perce County: Culdesac, Lapwai, Peck
Oneida County: Malad City
Owyhee County: Grand View, Homedale, Marsing
Payette County: Fruitland, New Plymouth, Payette
Power County: American Falls, Rockland
Shoshone County: Kellogg, Mullan, Osburn, Pinehurst, Smelterville, Wallace, Wardner
Teton County: Driggs, Tetonia, Victor
Twin Falls County: Buhl, Castleford, Filer, Hansen, Hollister, Kimberly, Murtaugh
Valley County: Cascade, Donnelly, McCall
Washington County: Cambridge, Midvale, Weiser
Idaho landlord insurance FAQ
Is landlord insurance required in Idaho?
No Idaho statute requires landlords to insure a rental, but mortgage lenders typically require property coverage and many leases and associations require liability coverage.
What does landlord insurance cost in Idaho?
The NAIC reported a 2023 Idaho average dwelling-fire premium of $671, compared with $1,135 for HO-3 homeowners policies. Averages rise with the amount of insurance, as shown in the table above. Your quote depends on the building, location, coverage, and deductible.
Who regulates insurance in Idaho?
The Idaho Department of Insurance licenses insurers and agents and publishes consumer guides and complaint tools.
Does a Idaho landlord policy cover flood?
No. Standard dwelling forms exclude flood from surface water. Flood coverage is purchased separately, for example through the National Flood Insurance Program or a private flood policy.
Sources
- NAIC, Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owner’s Insurance Report: Data for 2023, Table 4 (published 2026)
- U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter
- U.S. Census Bureau, Vintage 2024 population estimates
- FEMA National Risk Index
- Idaho Department of Insurance
Request a Idaho landlord quote
Last updated October 15, 2026. Sources and method: how we research.