Lewiston, ID
Lewiston, ID landlord and rental property insurance
What Lewiston landlords should know before insuring a rental. A quote is not a binder.
Owners who rent out property in Lewiston, Nez Perce County, are working in a market where 33% of occupied homes are rentals. The city counts about 34,693 residents; Idaho as a whole has a renter share of 28%.
Key housing figures for Lewiston, ID
| Measure | Lewiston | Idaho |
|---|---|---|
| Renter-occupied homes | 33% (4,631) | 28% |
| Median owner-occupied home value | $333,700 | $418,600 |
| Median gross rent | $1,027/mo | $1,238/mo |
| Median year structure built | 1971 | 1991 |
| Homes in 2–4 unit buildings | 10% | 6% |
| Single-family homes (detached or attached) | 70% | 77% |
Source: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates (tables B25003, B25077, B25064, B25035, B25024), retrieved via Census Reporter; population from U.S. Census Bureau, Vintage 2024 population estimates.
Insured value and premium context in Lewiston
Homes in Lewiston carry a median value near $333,700 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.
If your rental is insured somewhere around Lewiston's median, the closest NAIC benchmark is the $325,000–$349,999 band, where the 2023 Idaho dwelling-fire average was $700. The all-amounts state figure was $671.
How much rent to protect in Lewiston
Rents in Lewiston center on about $1,027 monthly, including utilities where tenants pay them. Many owners plan for a year offline after a serious loss, which works out near $12,324 per unit at the median.
How old Lewiston's housing is, and why it matters
The median Lewiston home was built around 1971. Rentals from that era may still have original panels, aging supply lines, or roofs on a second or third replacement, which are the details underwriters ask about first.
Types of rental property in Lewiston
Two-to-four-unit buildings make up about 10% of Lewiston's housing, well above many places. Duplexes and fourplexes can usually stay on dwelling forms; see our duplex and fourplex guide for shared-area and per-unit rent questions.
Lewiston next to other Idaho rental cities
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 fewer renters than Lewiston. Nampa has a renter share of 30% with homes valued around $370,800 at the median. Among the 15 largest Idaho cities we profile, Lewiston ranks 9 for renter share. Manufactured and mobile homes make up about 8% of Lewiston's housing, and many dwelling programs underwrite those separately. Roughly 12% of homes in Lewiston are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Storm and hazard considerations in Lewiston
For rentals in Lewiston, the hazards that most often shape Idaho landlord coverage include hail and summer thunderstorms and freezing pipes in long cold winters. 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.
Getting a landlord quote in Lewiston
- Lender name for the mortgagee clause
- Liability limit and months of rent to protect
- The Lewiston address and how many units it has
- Year built and roof age
- How it is occupied today, including any vacancy or short-term use
- Electrical, plumbing, and heating update years
- Your existing policy and recent claims
Request a Lewiston landlord quote
Questions from Lewiston rental owners
What share of Lewiston homes are rentals?
About 33% of occupied homes in Lewiston, roughly 4,631 households, are renter-occupied according to the 2020–2024 American Community Survey.
Do Lewiston landlords have to carry insurance?
No Idaho law mandates it for Lewiston owners, though lenders, HOAs, and property managers commonly require it.
How much does landlord insurance cost in Lewiston?
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 Lewiston
Landlord insurance in Idaho · Cost by state
Last updated October 15, 2026. Sources and method: how we research.