Boise, ID
Landlord insurance in Boise, Idaho
Local rental data and insurance guidance for Boise property owners. A quote is not a binder.
Owners who rent out property in Boise, Ada County, are working in a market where 37% of occupied homes are rentals. The city counts about 237,000 residents; Idaho as a whole has a renter share of 28%.
Boise rental housing by the numbers
| Measure | Boise | Idaho |
|---|---|---|
| Renter-occupied homes | 37% (37,268) | 28% |
| Median owner-occupied home value | $484,800 | $418,600 |
| Median gross rent | $1,446/mo | $1,238/mo |
| Median year structure built | 1986 | 1991 |
| Homes in 2–4 unit buildings | 9% | 6% |
| Single-family homes (detached or attached) | 71% | 77% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Setting coverage on a Boise rental
The median owner-occupied home in Boise is valued at about $484,800, higher than the Idaho median of $418,600. Market value includes land, so it is only a starting point: your dwelling limit should reflect what it would cost to rebuild the structure.
NAIC data for 2023 shows an average Idaho dwelling-fire premium of $786 in the $450,000–$499,999 coverage band, which brackets Boise'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.
How much rent to protect in Boise
With median gross rent near $1,446 per month, twelve months of interrupted income in Boise comes to about $17,352 for a single unit. Multiply by your unit count when you size loss-of-rents coverage.
How old Boise's housing is, and why it matters
Boise's median home dates to about 1986. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
Boise's mix of rental buildings
About 71% of homes in Boise 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.
Comparing Boise to neighboring cities
In Meridian, 25% of occupied homes are rented and the median value is $531,600. Nearby Eagle reports 16% renter households and a $772,900 median home value, so proportionally fewer renters than Boise. Nearby Kuna reports 18% renter households and a $423,900 median home value, so proportionally fewer renters than Boise. Among the 15 largest Idaho cities we profile, Boise ranks 4 for renter share. Roughly 17% of homes in Boise are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Natural hazards Boise landlords plan for
For rentals in Boise, the hazards that most often shape Idaho landlord coverage include snow load on roofs in mountain areas and hail and summer thunderstorms. Ask how your policy handles each, and whether any separate deductible applies.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Your Boise quote checklist
- Prior carrier, expiration date, and five-year loss history
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
- The Boise address and how many units it has
- Construction year plus the age of the roof
- How it is occupied today, including any vacancy or short-term use
- Dates of wiring, plumbing, and HVAC upgrades
Request a Boise landlord quote
Boise landlord insurance questions
How many renters live in Boise?
About 37% of occupied homes in Boise, roughly 37,268 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Boise landlords have to carry insurance?
No Idaho law mandates it for Boise owners, though lenders, HOAs, and property managers commonly require it.
What is a typical landlord premium in Boise?
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.