How Much Does Renters Insurance Cost in Boise, ID?
Boise pricing is near the national average. Updated for 2026.
Based on local labor rates, semi-arid climate conditions, and Boise's tech-agriculture-government economy.See our methodology
Renters Insurance Pricing in Boise, ID
Boise offers near-average pricing for renters insurance, making it a reasonable market for this service. The local tech-agriculture-government economy supports a tight labor pool, and the city's 230K population base ensures you can find multiple qualified providers to compare quotes.
Local climate plays a direct role in renters insurance costs here. Cold dry winters and hot summers; wildfire smoke increasingly affects air quality; rapid temperature changes stress building materials.
Market-specific factors matter in Boise: one of the fastest-growing US cities; massive population influx has created contractor shortages and rising prices.
Boise has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Boise vs National Average
What Affects Renters Insurance Cost in Boise?
Coverage
$20K: $10-$15/mo; $50K: $20-$35/mo
Location
High-crime adds 50-100%
Deductible
$500 vs $1,000 saves $3-$8/mo
Boise Market Conditions
one of the fastest-growing US cities; massive population influx has created contractor shortages and rising prices
Local Climate Impact
cold dry winters and hot summers; wildfire smoke increasingly affects air quality; rapid temperature changes stress building materials
📐 Renters Insurance in Boise Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Renters Insurance Pros in Boise, ID
6 providersSummit Electrical
⭐ PREMIUMServing Boise and surrounding areas since 2013. Licensed, insured, and committed to quality workmanship at fair prices.
Reliable Restoration
All-Pro Roofing & Siding
Are You a Renters Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for renters insurance in Boise, ID.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Renters Insurance in Boise
- 1.Bundle with auto for 10-20% discount
- 2.Increase deductible to $1,000
- 3.Create home inventory
- 4.Actual cash value is cheaper
📈 Renters Insurance in Boise Cost Trends (2020–2024)
Prices have increased +25.0% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $16 | — |
| 2021 | $17 | +6.3% |
| 2022 | $18 | +5.9% |
| 2023 | $19 | +5.6% |
| 2024 | $20 | +5.3% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Boise
Recent Reports
Frequently Asked Questions
How much?
$15-$30/month on average.
What is covered?
Personal property, liability, additional living expenses.
Why does renters insurance cost different in Boise than other cities?
Boise's costs reflect local labor rates driven by the tech-agriculture-government economy, semi-arid climate conditions that affect materials and scheduling, and moderate permitting requirements. The tight labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
Popular Services in Boise
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.