Ammon, ID
Landlord insurance in Ammon, Idaho
Local rental data and insurance guidance for Ammon property owners. A quote is not a binder.
Census estimates put Ammon's renter-occupied share at 31%, or roughly 1,951 of 6,317 occupied homes. Compared with 28% across Idaho, that is above average, and it tells you a lot about the local rental stock owners are insuring.
Census snapshot: Ammon housing
| Measure | Ammon | Idaho |
|---|---|---|
| Renter-occupied homes | 31% (1,951) | 28% |
| Median owner-occupied home value | $381,800 | $418,600 |
| Median gross rent | $1,372/mo | $1,238/mo |
| Median year structure built | 2004 | 1991 |
| Homes in 2–4 unit buildings | 6% | 6% |
| Single-family homes (detached or attached) | 79% | 77% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
Setting coverage on a Ammon rental
At a median home value of $381,800, Ammon is in line with Idaho overall ($418,600). Underwriters care about replacement cost rather than sale price, so bring square footage, construction type, and update history to the conversation.
NAIC data for 2023 shows an average Idaho dwelling-fire premium of $773 in the $350,000–$399,999 coverage band, which brackets Ammon's median value; across all coverage amounts the state average was $671. Treat it as background, since landlord pricing depends on the building and occupancy.
Protecting rental income in Ammon
Median gross rent in Ammon is about $1,372 a month. A year of lost rent at that level is roughly $16,464 per unit, a useful yardstick when you choose fair rental value coverage.
Construction era of Ammon rentals
Much of Ammon's housing went up after 2003. Owners of newer rentals here can usually qualify for broad DP-3 coverage, assuming clean loss history.
Types of rental property in Ammon
About 79% of homes in Ammon are single-family, so most local landlords insure one house at a time. A DP-3 form with liability and loss of rents is the usual starting point; our rental property insurance page explains the parts.
Ammon next to other Idaho rental cities
For comparison, Idaho Falls comes in at 36% rented and $335,500 median value, with median rent of $1,075. Nearby Boise reports 37% renter households and a $484,800 median home value, so proportionally more renters than Ammon. For comparison, Meridian comes in at 25% rented and $531,600 median value, with median rent of $1,805. By renter share, Ammon is number 10 on our list of 15 Idaho cities. Buildings with five or more units hold about 14% of Ammon's homes; those generally need commercial apartment coverage rather than dwelling forms.
Ammon weather exposures that affect landlord claims
Typical Idaho property risks such as wildfire at the wildland edge and snow load on roofs in mountain areas affect owners in Ammon and the rest of Bonneville County. Flood and earthquake are excluded from standard dwelling forms and need their own coverage.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Getting a landlord quote in Ammon
- Electrical, plumbing, and heating update years
- Current insurer and any losses in five years
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
- Street address in Ammon and number of units
- Construction year plus the age of the roof
- How it is occupied today, including any vacancy or short-term use
Request a Ammon landlord quote
Ammon landlord insurance questions
What share of Ammon homes are rentals?
About 31% of occupied homes in Ammon, roughly 1,951 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Ammon?
No Idaho law mandates it for Ammon owners, though lenders, HOAs, and property managers commonly require it.
How much does landlord insurance cost in Ammon?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Idaho dwelling-fire average of $671; see our Idaho page for the full table.
Other Idaho cities
Landlord insurance in Idaho · Cost by state
Last updated October 15, 2026. Sources and method: how we research.