Do you pronounce Idaho’s most populous city “Boy-zee” or “Boy-see”? If it’s the latter, you just might be a local.

People who settle down in Boise are most likely attracted to the nature surrounding the city, the temperate climate and the rich arts and culture found in the downtown areas. From the Gene Harris Jazz Festival to the Boise Philharmonic and the regional acts that perform at the Egyptian Theatre, art lovers will find plenty to do in the City of Trees.

But even those that are more sports- or nature-minded will be able to find entertainment, as the city is in close distance to skiing, hiking and minor league sports teams. Boise even has its own all-female roller derby team for those who like to cheer on more eclectic sports.

If you thought the city was pronounced “Boy-zee,” we don’t blame you. But we do guarantee that those who visit the city will fall in love with its many charms. So for those ready to pack up and make Idaho’s capital their new home, we’ve developed this primer for home insurance in Boise.

How much is homeowners insurance in Boise?

Illustration of three houses with green doors and smoke coming out of the chimney of one

The average home insurance premium in most Boise zip codes is $1,215 per year (according to That means Boise residents will pay about $395 more than the Idaho home insurance average of $820 and about $15 more than the national average of $1,200.

Boise home insurance is about $15 more than the national average of $1,200 — enough for one adult admission ticket to the World Center for Birds of Prey.

Home insurance in Boise is just about average due to the city’s temperate climate and relatively low crime rate. Boise experiences less violent crime than similarly sized metropolitan areas. And what’s more, the Boise area is arid, with little rain and a dry climate that produces hot summers and mild winters. With temperate weather and a below-average crime rate, Boise residents can enjoy walking the Boise River Greenbelt without worrying about too much risk or high home insurance premiums.

Boise Home Insurance Premiums

What does home insurance in Boise cover?

A typical home insurance policy will cover dwelling, personal liability and personal property. Dwelling insurance covers any structures on your property, personal property covers the belongings on your property and in your home, and personal liability covers any accidental damage to your property or damage on someone else’s property that is your fault.

For Boise residents, that means you’ll be covered if your Famous Idaho Potato Bowl watch party gets a little too rowdy and your friend breaks a window. You’ll also be covered if one of the lions from Zoo Boise knocks down your fence or if a heavy snowfall does damage to your home.

Boise Insurance Coverage Options

Traditional coverage


Supplemental coverage


Considerations for Boise residents

Good news for Idahoans: Boise’s two biggest weather threats — wildfires and snow — will usually be covered in a standard insurance policy. But in the event of an emergency like a catastrophic and unplanned weather event, Boise residents may want to protect themselves by investing in catastrophe insurance in addition to their regular policy.

How to lower your home insurance premium

Just because home insurance in Idaho is already relatively inexpensive doesn’t mean that Boise residents shouldn’t seek out a better deal on their premiums. There are a few ways to lower your home insurance premium, including shopping smart for a home and investing in your home to make it more weatherproof and up-to-date with technology.

Purchasing a newer home that’s located close to first responder stations such as fire or police hubs can lower your premium, as these crews will be able to get to your location faster in the event of an emergency. You can also lower your premium by winterizing your home to protect it from weather damage or investing in smart home technology to keep you and your family safe and protected.

The city of Boise is located in an area called Treasure Valley, and we like to think residents can strike gold by purchasing affordable and reliable Hippo home insurance. Keep an eye out for when we launch in your city.

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