Coeur d'Alene, ID
Rental property insurance for Coeur d'Alene landlords
What Coeur d'Alene landlords should know before insuring a rental. A quote is not a binder.
Coeur d'Alene is home to roughly 57,355 people in Kootenai County, and about 41% of its 23,963 occupied homes are rented rather than owner-occupied, above the Idaho rate of 28%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Coeur d'Alene at a glance for landlords
| Measure | Coeur d'Alene | Idaho |
|---|---|---|
| Renter-occupied homes | 41% (9,713) | 28% |
| Median owner-occupied home value | $483,500 | $418,600 |
| Median gross rent | $1,468/mo | $1,238/mo |
| Median year structure built | 1994 | 1991 |
| Homes in 2–4 unit buildings | 8% | 6% |
| Single-family homes (detached or attached) | 70% | 77% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Insured value and premium context in Coeur d'Alene
Homes in Coeur d'Alene carry a median value near $483,500 according to the Census, compared with $418,600 statewide. Because land is never rebuilt, many owners find their rebuild estimate differs from that figure in either direction.
NAIC data for 2023 shows an average Idaho dwelling-fire premium of $786 in the $450,000–$499,999 coverage band, which brackets Coeur d'Alene'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.
Fair rental value coverage for Coeur d'Alene units
With median gross rent near $1,468 per month, twelve months of interrupted income in Coeur d'Alene comes to about $17,616 for a single unit. Multiply by your unit count when you size loss-of-rents coverage.
Construction era of Coeur d'Alene rentals
Half of Coeur d'Alene's homes were built before 1994 and half after. Polybutylene supply lines were installed in some homes from the late 1970s to mid-1990s, and insurers may ask whether they have been replaced.
What Coeur d'Alene landlords typically own
About 70% of homes in Coeur d'Alene 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.
How Coeur d'Alene compares with nearby Idaho markets
For comparison, Post Falls comes in at 36% rented and $477,400 median value, with median rent of $1,469. In Boise, 37% of occupied homes are rented and the median value is $484,800. Meridian has a renter share of 25% with homes valued around $531,600 at the median. By renter share, Coeur d'Alene is number 3 on our list of 15 Idaho cities. Roughly 17% of homes in Coeur d'Alene are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Natural hazards Coeur d'Alene landlords plan for
Idaho landlords generally plan around hail and summer thunderstorms, freezing pipes in long cold winters, and wildfire at the wildland edge. Those exposures apply in Coeur d'Alene as much as anywhere in the state, so confirm deductibles and exclusions before you bind.
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 Coeur d'Alene
- Who holds the loan, for the mortgagee clause
- Desired liability limit and loss-of-rents amount
- The Coeur d'Alene address and how many units it has
- When the building went up and when the roof was last replaced
- Occupancy: long-term lease, month-to-month, short-term, or vacant
- Electrical, plumbing, and heating update years
- Your existing policy and recent claims
Request a Coeur d'Alene landlord quote
Coeur d'Alene landlord insurance questions
How many renters live in Coeur d'Alene?
About 41% of occupied homes in Coeur d'Alene, roughly 9,713 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Coeur d'Alene?
Not by statute. In practice, a Coeur d'Alene rental with a mortgage will need property coverage, and associations or managers often insist on liability limits.
How much does landlord insurance cost in Coeur d'Alene?
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.
More landlord pages near Coeur d'Alene
Landlord insurance in Idaho · Cost by state
Last updated October 15, 2026. Sources and method: how we research.