Eagle, ID
Rental property insurance for Eagle landlords
Coverage for rental homes and 2–4 unit buildings in Eagle, with local Census housing data. A quote is not a binder.
Eagle is home to roughly 33,451 people in Ada County, and about 16% of its 12,812 occupied homes are rented rather than owner-occupied, below the Idaho rate of 28%. That mix shapes who is buying landlord coverage here and what underwriters expect to see.
Eagle at a glance for landlords
| Measure | Eagle | Idaho |
|---|---|---|
| Renter-occupied homes | 16% (2,033) | 28% |
| Median owner-occupied home value | $772,900 | $418,600 |
| Median gross rent | $1,765/mo | $1,238/mo |
| Median year structure built | 2007 | 1991 |
| Homes in 2–4 unit buildings | 1% | 6% |
| Single-family homes (detached or attached) | 88% | 77% |
Figures from the U.S. Census Bureau (ACS 2020–2024 five-year estimates; 2024 population estimates).
Insured value and premium context in Eagle
Eagle's median home value, roughly $772,900, gives a rough sense of what rentals here are worth; the state median is $418,600. For insurance, ask for a replacement-cost estimate on your specific building.
NAIC data for 2023 shows an average Idaho dwelling-fire premium of $687 in the $700,000–$999,999 coverage band, which brackets Eagle'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 Eagle units
The Census median gross rent for Eagle, $1,765 per month, is a reasonable starting point for fair rental value. At that rate, 12 months is about $21,180 per unit.
Older vs. newer rentals in Eagle
A median build year of 2007 makes Eagle's stock newer than most. Newer rentals benefit from modern wiring and plumbing, but replacement cost on recent construction can still run high.
What Eagle landlords typically own
Eagle is mostly single-family, around 88% of units, with 2–4 unit buildings at 1%. Single-family rentals here typically go on a dwelling fire policy.
Eagle versus other large Idaho communities
In Boise, 37% of occupied homes are rented and the median value is $484,800. Nearby Meridian reports 25% renter households and a $531,600 median home value, so proportionally more renters than Eagle. Kuna has a renter share of 18% with homes valued around $423,900 at the median. By renter share, Eagle is number 15 on our list of 15 Idaho cities. Buildings with five or more units hold about 8% of Eagle's homes; those generally need commercial apartment coverage rather than dwelling forms.
Weather and property risks for Eagle rentals
Typical Idaho property risks such as freezing pipes in long cold winters and wildfire at the wildland edge affect owners in Eagle and the rest of Ada 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.
Your Eagle quote checklist
- Prior carrier, expiration date, and five-year loss history
- Mortgage company details, if financed
- How much liability and lost rent you want covered
- Property location in Eagle and unit count
- Construction year plus the age of the roof
- Occupancy: long-term lease, month-to-month, short-term, or vacant
- Electrical, plumbing, and heating update years
Request a Eagle landlord quote
Eagle landlord insurance questions
How many renters live in Eagle?
About 16% of occupied homes in Eagle, roughly 2,033 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in Eagle?
No Idaho law mandates it for Eagle owners, though lenders, HOAs, and property managers commonly require it.
How much does landlord insurance cost in Eagle?
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 Eagle
Landlord insurance in Idaho · Cost by state
Last updated October 15, 2026. Sources and method: how we research.