Best and Cheapest Renters Insurance in Idaho for 2025 (Save Money With These 10 Companies)

For the best and cheapest renters insurance in Idaho, USAA, State Farm, and Travelers lead the way, starting at just $11/month. USAA offers unmatched benefits for military families, including up to $100K in property coverage.

State Farm impresses with $300K in liability protection, and their flexible insurance deductible options make coverage even more manageable. Travelers adds flexibility with living expense coverage and options for high-value items like jewelry or electronics.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$11	A++	Military Focus	USAA
	#2	$15	B	Extensive Coverage	State Farm
	#3	$16	A++	Flexible Policies	Travelers
	#4	$18	A++	Affordable Rates	Geico
	#5	$23	A	Customizable Options	Liberty Mutual
	#6	$24	A+	Financial Strength	Nationwide
	#7	$26	A+	Online Convenience	Progressive
	#8	$27	A	Personalized Service	Farmers
	#9	$28	A	Customer Loyalty	American Family
	#10	$37	A+	Broad Discounts	Allstate

With these providers, Idaho renters can find affordable, tailored coverage that fits their needs without breaking the bank. Insurance rates that are too high shouldn't stop you. Type in your ZIP code to find cheap rates from the best insurance companies.

What You Should Know

• USAA offers the best renters insurance in Idaho with up to $100K in property coverage
• Enjoy affordable policies starting at $11/month with flexible deductibles and options
• Coverage includes $300K liability protection and living expense support for renters

#1 – USAA: Top Overall Pick

Pros

• Unique Military Benefits: Renters insurance in Idaho offers special advantages for people in service, like worldwide cover for their possessions.
• Cheap Cost: Starting with $11 each month, USAA gives unbeatable worth for renters insurance in Idaho.
• Generous Coverage Limits: Offers up to $100K protection for personal assets without additional charges. Discover why USAA tops the list with this detailed USAA insurance review.

Cons

• Membership Requirements: Only military members and their families qualify for USAA renters insurance in Idaho.
• No Multi-Policy Discounts: Limited savings options for bundling renters insurance with other policies in Idaho.

#2 – State Farm: Best for Extensive Coverage

Pros

• Customizable Policies: Renters insurance in Idaho includes up to $300K in liability coverage options.
• Wide Availability: Accessible for renters across Idaho, with a strong local presence. Check out our comprehensive State Farm insurance review for more insights.
• Affordable Rates: At $15/month, State Farm balances coverage and cost for Idaho renters.

Cons

• Average Financial Rating: A B A.M. Best rating could deter Idaho renters from seeking the highest-rated providers.
• Limited Digital Tools: Idaho renters may find the mobile app less comprehensive than competitors.

#3 – Travelers: Best for Flexible Policies

Pros

• Temporary Housing Reimbursement: Renters insurance in Idaho covers hotel stays and meal costs during repairs.
• High-Value Item Protection: Additional riders for items like wedding rings or musical instruments are easily available.
• Flexible Deductibles: Idaho renters can adjust deductibles to balance premiums and out-of-pocket costs. Dive into our Travelers insurance review to uncover its top benefits.

Cons

• Fewer Loyalty Benefits: Travelers renters insurance in Idaho lacks long-term customer rewards.
• Longer Claim Times: Idaho policyholders may face delays during claims processing compared to faster competitors.

#4 – Geico: Best for Affordable Rates

Pros

• Low Starting Costs: Renters insurance in Idaho begins at $18/month, making it an affordable option for new renters.
• Efficient Quote System: Idaho renters can get instant online quotes with Geico’s simple digital tools.
• Strong Add-On Options: Offers coverage for flood damage, a unique feature for renters in Idaho.

Cons

• Dependent on Third Parties: Renters insurance in Idaho is serviced by partner providers, which can vary in quality.
• No Specialized Discounts: Fewer Idaho-specific savings like military or student discounts. Check out our comprehensive Geico renters insurance review for more insights.

#5 – Liberty Mutual: Best for Customizable Options

Pros

• Unique Add-Ons: Renters insurance in Idaho offers optional coverage for identity theft and home office equipment.
• Emergency Repair Service: Immediate support for emergency repairs is included in Idaho renters' policies.
• Transparent Pricing: Clearly defined coverage limits and rates starting at $23/month. Explore our detailed Liberty Mutual renters review to see why it stands out.

Cons

• Higher Base Premiums: Liberty Mutual renters insurance in Idaho costs more than competitors like USAA.
• Limited Bundling Benefits: Idaho renters may not see significant savings when combining policies.

#6 – Nationwide: Best for Financial Strength

Pros

• Exceptional Longevity: Renters insurance in Idaho is backed by decades of stability. Discover insights in our Nationwide insurance review.
• High-Payout Claims: Nationwide offers generous claim payouts compared to competitors in Idaho.
• Generous Liability Options: Provides rare liability coverage tiers above $500K for Idaho renters.

Cons

• Limited Bundling Deals: Fewer opportunities for Idaho renters to save by combining policies.
• Rigid Deductible Plans: Idaho renters have fewer choices to adjust deductibles based on needs.

#7 – Progressive: Best for Online Convenience

Pros

• User-Friendly App: Idaho renters can manage policies with an app simplifies claims tracking.
• Quick Quote Options: Idaho renters can receive pricing details online in under two minutes. Details are also available in our Progressive insurance review.
• Unique Multi-Policy Deals: Progressive offers Idaho customers discounts for bundling with RV or motorcycle insurance.

Cons

• Premium Fluctuations: Monthly costs for Idaho renters insurance vary significantly based on location.
• Minimal Add-Ons: Fewer options for additional coverages compared to other Idaho providers.

#8 – Farmers: Best for Personalized Service

Pros

• Specialized Agent Support: Idaho renters receive one-on-one service from experienced agents. Access comprehensive insights into our Farmers insurance review.
• Pet-Friendly Policies: Farmers offers unique coverage for pet-related damages in Idaho rental properties.
• Enhanced Loss of Use: Pays more for relocation costs if Idaho renters face uninhabitable housing.

Cons

• Narrow Discount Range: Discounts for renters insurance in Idaho are limited to a few categories.
• Dated Online Platform: Digital tools for policy management lag behind competitors in Idaho.

#9 – American Family: Best for Customer Loyalty

Pros

• Loyalty Perks: Long-term Idaho renters can enjoy discounts and benefits for staying with American Family.
• Customizable Plans: Renters insurance in Idaho offers add-ons for high-value property coverage.
• Strong Ratings: Idaho renters' A.M. Best rating reflects financial stability. Learn more about offerings in our American Family insurance review.

Cons

• Higher Cost: Monthly rates start at $28, making it less affordable for budget-conscious renters in Idaho.
• Discount Gaps: Fewer bundling and savings options compared to other Idaho providers.

#10 – Allstate: Best for Broad Discounts

Pros

• Home Security Discounts: Idaho renters insurance provides savings on security systems.
• High-Cap Value Protection: One-of-a-kind coverage choices for personal property worth more than $150,000.
• Roadside Assistance Add-On: Idaho renters can bundle insurance with roadside services for extra value.

Cons

• Complex Pricing Structure: Renters in Idaho may face unclear premium adjustments.
• Low Flexibility for Short-Term Renters: Not ideal for Idaho renters with short-term leases. See more details on our review of Allstate insurance.

Comparing Renters Insurance Rates in Idaho

Residents in Idaho who want dependable protection without going over their budget must be aware of the cost of renters insurance. USAA offers the cheapest renters insurance at just $11 a month, making it an excellent option for military families.

Insurance Company	Monthly Rates
	$37
	$28
	$27
	$18
	$23
	$24
	$26
	$15
	$16
	$11

State Farm renters insurance is $15, offering solid coverage at a budget-friendly price, and Travelers isn’t far behind at $16. Geico delivers good value with rates starting at $18, while Liberty Mutual and Nationwide renters insurance offer mid-range options at $23 and $24 per month, respectively. Progressive renters insurance , Farmers, and American Family are a bit higher, with rates at $26, $27, and $28, respectively.

Allstate renters insurance, at $37, provides broader discounts and coverage options for those willing to spend a little more. With such varied pricing, comparing rates ensures Idaho renters find the best fit for their needs and budget.

Maximizing Discounts on Renters Insurance in Idaho

Finding genius ways to save money on renters insurance in Idaho is easier than you think with all the discounts available. USAA is the best option for military families because of its 25% bundle discount and 20% renter's insurance for those without claims. For affordable coverage, consider Geico, which offers 22% discounts for bundling and 18% for a clean claims record.

Insurance Company	Bundling	Claims-Free	Security Systems	Loyalty	AutoPay
	15%	10%	8%	5%	5%
	18%	12%	10%	7%	6%
	20%	15%	12%	8%	7%
	22%	18%	14%	10%	8%
	20%	15%	12%	8%	7%
	19%	14%	11%	7%	6%
	21%	16%	13%	9%	8%
	18%	14%	10%	7%	6%
	19%	15%	11%	8%	7%
	25%	20%	15%	10%	8%

Installing a security system can save you up to 15% with USAA or 14% with Geico renters insurance, while bundling can save you 20% with Farmers and Liberty Mutual and 15% with renters who have not filed claims. With these options, you can easily save big and get the protection you need.

Breaking Down the Costs of Common Insurance Claims

Fire and smoke damage lead the pack, making up 30% of renters insurance claims and costing an average of $15,000 per incident. Theft and burglary come next at 25%, with claims averaging about $2,000, while water damage follows at 20%, with repair costs around $6,000.

Claim Type	Portion of Claims	Cost per Claim
Fire and Smoke Damage	30%	$15,000
Theft and Burglary	25%	$2,000
Water Damage	20%	$6,000
Wind and Hail Damage	15%	$3,500
Liability Claims	10%	$10,000

Wind and hail damage make up 15% of claims, costing about $3,500 each time. Liability claims are less common at 10%, but they’re pricey, averaging $10,000 per incident.

These figures underline the need for a renters insurance policy that provides complete coverage against costly damages. Planting your financial future with insurance ensures you are prepared for unexpected expenses and provides peace of mind. Understanding these common claims can help renters choose the right coverage to safeguard their belongings and finances.

Comprehensive Protection for Renters

Renters insurance gives you various coverage options to protect yourself and your belongings. Personal property coverage helps replace items like furniture, electronics, and clothing if damaged or stolen—like if a fire damages your TV or someone steals your laptop.

Liability coverage covers legal and medical costs if someone gets hurt in your place like a friend slipping on a wet floor. If your rental property is rendered unlivable due to a fire, loss-of-use coverage will cover hotel lodging and food while you are away.

There is also medical payments coverage, which assists with minor medical expenses if someone is injured at your apartment, regardless of who is blamed. You can also add extras like identity theft protection or coverage for high-value things such as jewels or instruments. It's all about personalizing your coverage to your specific needs and making sure you're covered.

Boise’s Average Rent Costs and Key Influencing Factors

Renting an apartment in Boise, Idaho, costs an average of $1,035 monthly. The cost depends on your location within the city and the size of your apartment.

Boise, Idaho, is located at the foothill of the Rocky Mountains and is near numerous recreational areas for hiking, biking, and skiing. It also has the Boise River, which runs through the city. Suppose you’re looking to rent an apartment in this city in the northwestern state of Idaho. The average rent in Boise is $18 per month, with prices varying by area. Southeast Boise averages $18 monthly, while Vista and Hillcrest areas average $15.

Another factor that affects the cost of monthly rent is the type of apartment. Smaller studio apartments cost an average of $18, and one-bedroom apartments cost an average of $18. On the other hand, three-bedroom apartments cost an average of $16 per month for renters insurance insurance in Boise. For more tips and insights, check out the most popular renters insurance posts to learn how renters insurance can protect belongings from theft or fire.

Protecting College Students' Belongings in Idaho

Idaho has a handful of colleges. Students will likely rent an off-campus apartment or live in an on-campus dorm while completing their degree. College students renting housing in Idaho should consider a few things to protect their personal belongings.

When college students reside on campus in dorms, their parents' homeowners insurance coverage usually covers them. Only students who reside on campus have that privilege, though.

When renting off-campus residences, college students in Idaho should think about getting renter's insurance, as their belongings won't be covered by their parent's policy. They will not have any protection if they do not have renters insurance coverage. Students storing items in storage facilities should also consider getting storage unit insurance to protect their valuables against theft or damage.

Roommates are common for college students who rent apartments. Students who share renters insurance plans with roommates are not encouraged to do so. To safeguard their possessions, each student should acquire a separate renters insurance policy.

Maximizing Savings with HO-4 Insurance Policies

Renters insurance can be affordable, but no one wants to pay more than necessary. Here are the top five ways to lower your renters insurance rate in Idaho:

• Install Safety Features: Adding devices like smoke detectors, deadbolts, or security systems reduces risk and can earn discounts.
• Raise Your Deductible: Choosing a higher deductible means paying more out-of-pocket in claims but significantly lowering monthly premiums.
• Ask for Discounts: To reduce costs further, check for discounts like claims-free, good student, or auto-pay savings.
• Bundle Your Policies: Combining renters insurance with auto or other policies qualifies for a multi-policy discount.
• Pay in Full: Paying your annual premium upfront eliminates installment fees and can lower your overall rate on an HO-4 insurance policy.

To get the greatest rate that fits your needs, compare estimates from three or more firms and inquire about discounts.

Customer Insights Driving Clearsurance Rankings

Clearsurance does not keep its ranking and rating algorithms secret as part of its goal to increase transparency. The following inputs are analyzed by our algorithm from our independent community of insurance customers:

• Price
• Customer Service
• Claim Service
• Likelihood to Renew

The algorithm also considers the proportion of consumers who believe the business does well against those who think it could do better. By focusing on honest customer feedback, Clearsurance provides valuable insights, including renters insurance quotes and renters insurance simplified for millennials, ensuring the ratings and rankings resonate with today's consumers.

One Reddit user gave USAA renters insurance high marks for their first-rate customer service and benefits for military families. According to the post, USAA has a solid reputation, especially for providing worthwhile benefits like bundle possibilities and claims-free rates.

For those who qualify, it is an exceptional option because of these advantages. Posts like this on Reddit further emphasize why USAA is highly recommended for dependable coverage.

Understanding Idaho’s Crime Statistics and Insurance Needs

A typical renters insurance coverage covers 16 risks, including theft, vandalism, and malicious mischief. Is renters insurance required in Idaho? While it’s not legally mandated, having coverage is a smart choice given the risks. The FBI released the following Idaho crime statistics:

• Property Crime: 29,357
• Burglary: 6,318
• Larceny Theft: 20,962

All three Idaho statistics rank below the national average rate per 100,000 inhabitants. Although it is not legally required in Idaho, having renters insurance can alleviate stress by protecting tenants from disasters like theft and vandalism.

Your Guide to Choosing the Right Renters Insurance

As was already noted, there are a lot of common misconceptions about what a renters insurance policy covers and doesn't. It's crucial to know what your policy covers when you buy one from one of Idaho's top renters insurance providers.

For instance, if a non-resident gets hurt on the property, did you know that liability protection is a common feature of renters' insurance policies? Some insurance may also pay for your expenditures while you look for temporary accommodation if an incident renders your apartment unusable.

Check out our guide for understanding renters insurance in Idaho to ensure you have the correct information about what's covered. Are you in search of further instructional material on renters' insurance? For more details and discussion on renters insurance-related subjects, see our blog. To compare prices from the best providers, enter your ZIP code.