Idaho renters insurance

Does Idaho require renters insurance?

No, renters insurance isn't a requirement by state law in Idaho. But if you're renting a home or a unit in a building, your landlord or property manager may require you to have a policy before you can move in. Having coverage to protect your possessions may be a viable reason to consider taking out a renters insurance policy, even if it's not required.

Idaho renters insurance coverages

Check out the four standard coverages on nearly all Idaho renters insurance policies:

• Personal property protects your personal belongings, including furniture, clothing, and electronics.
• Loss of use helps cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
• Personal liability protects you financially if you're legally responsible for another person's injuries or damage to their property.
• Medical payments to others pays for medical expenses due to a covered occurrence.

Additional coverages

For tenants renting apartments, condos, or homes, the best renters insurance in Idaho is always a policy with customized coverage limits. Here are some extra options for when you need more protection:

• Certain valuable items, like jewelry, art and collectibles, may have specific limits on your renters policy. If your items exceed the limit, you may be able to purchase an endorsement for your policy, also known as "adding a rider," to cover the item for its value.
• Personal injury: may pay for legal fees and damages if you're liable for slander or defamation.
• Water back-up: Water that backs up through sewers or drains or discharges from a sump pump may not be covered by your standard renters policy. Water back-up coverage may pay for the damage to your belongings and water removal costs.

Learn more about renters insurance coverages.

Common claims in Idaho

Idahoans can take comfort in knowing their home state is one of the safest in terms of property crime and violence. However, accidents, theft, and natural disasters do happen; your Idaho renters insurance may help protect your personal belongings in the case of burglary or damage from certain unforeseen circumstances like windstorms.

Discounts on Idaho renters insurance

Progressive offers several discounts to help lower the cost of renters policies in Idaho, such as:

• Multi-policy
• Quote in advance
• Pay in full
• Secured/gated community

See more of our available renters insurance discounts.

Is renters insurance worth it in Idaho?

Renters insurance provides affordable protection for tenants in various situations. Consider the following:

• A fire in your apartment complex causes smoke damage to your furniture. Personal property coverage may pay to repair or replace your damaged items, up to your coverage limit.
• Water damage to your apartment means you must move out while repairs are made. Loss of use coverage may pay for your temporary lodging, up to your coverage limit, as well as groceries, above what you normally spend.
• A friend is injured while visiting your rental home. Medical payments coverage may pay for their medical bills that result from the injury, up to your coverage limit.

How much is renters insurance in Idaho?

Progressive renters policies in Idaho had an average monthly price of $14.91 or $178.88 for an annual policy, in 2023.^** Remember that your cost for renters insurance is determined by many components, including your location, type of residence, and claims history.

Coverage limits may also affect your renters insurance premium. Generally, the more personal property coverage you need, the more you pay for a renters policy. Use our personal property calculator to help you take a home inventory and estimate the value of your belongings.

How can I save on renters insurance in Idaho?

Take advantage of renters insurance discounts to help lower the cost of your renters policy in Idaho. Progressive offers discounts for bundling multiple policies, quoting in advance, paying in full, and living in a secured or gated community.

There may also be discounts that are only available in your state or county. Call 1-866-749-7436  or talk to a local agent to help ensure you're getting all applicable discounts.

How to quote renters insurance in Idaho