Property insurance in ID covers a home and its contents. It also provides protection against liability for any injuries or property damage you or any members of your family, including household pets, cause. Property insurance also pays temporary living expenses while living away from home because of a natural disaster.

An Idaho homeowners insurance policy covers most types of natural disasters including fire, hurricanes, hail, lightning and other events specified in the policy. Earthquake and flood coverage typically will require separate policies. Property insurance in Idaho does not protect against problems poor maintenance causes.

Consider these three points when choosing a property insurance company in ID:

1. The location of the property may require additional ID property insurance. For example, properties in the northern United States should have coverage for ice, sleet and snow.

2. Effective loss-control measures can control the premium for ID property insurance. This can include installing an alarm system for theft.

3. The replacement of detached structures. Home insurance should allow you to rebuild your house, including structures such as a garage, gazebo or tool shed. Policies typically cover detached structures for about 10 percent of the value of the house.

Action Steps
The best contacts and resources to help you get it done

Collect quotes for a variety of Idaho homeowner insurance plans

Obtaining multiple quotes from different property insurance companies in Idaho is an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: The search function at Respond allows you to specify a city within Idaho to begin your search. Start looking for Idaho house insurance quotes at All Options Insurance by entering your zip code.

Find brokers that represent major property insurance companies in Idaho

You may want to obtain property insurance in ID through an agent who represents a major carrier in the state and who can make a recommendation based on the specific needs of your situation.

I recommend: State Farm sells homeowner's insurance and provides a list of agents within a specified area. Go to Allied Insurance and enter your zip code and search radius for a list of insurance agents in your area.

Get homeowners insurance in Idaho from a local agent

You may wish to contact local independent providers of property insurance in Idaho rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you.

I recommend: Dickinson Insurance is a full-service insurance agency in Post Falls that is licensed to sell insurance in other states as well. Walrath Insurance is an independent insurance agency that provides many types of insurance in north-central Idaho.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Idaho property insurance typically covers expensive items such as furs, jewelry and silverware up to a fixed amount. You will need a special property endorsement to replace these items if their value exceeds the amount the primary policy covers. A property endorsement covers items that are lost or stolen.