Boise Home Insurance & Flood Insurance Quotes!
Serving all of Idaho and the Treasure Valley. Let the professionals at Boise Home Insurance &
Flood Insurance
help you insure your property today! Great Rates for House Insurance,
NFIP Insurance,
Renters, Condos & Town Houses, Landlords, Mobile Homes
and Cabins!
With over 30 years of combined experience here in the valley, but we also serve the surrounding area including Meridian, Nampa, Caldwell & Eagle . We know how to insure your most valuable asset your house and home! Give the office a call today for a no obligation quote on all your properties. We have markets for hard to insure mobiles, vacation homes or secondary residence's and log cabins as well.
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Protect your house & home's most valuable possessions with insurance coverage! Great Rates!
Boise Homeowners Insurance Services
Boise Home Insurance
Your house is one of your most valuable possessions. We take the time to find out whats important to you and make sure your covered. All the while making sure the premiums are affordable!
If you are a property owner and renting it out. You need to consider a
landlords policy
to protect your investment and have your tenants get a plan for their belongings.
Boise Flood Insurance
The flood zone maps are changing soon! Find out what Zone you live in. We will run your quote and if you act quickly we may be able to grandfather you into a policy. This will keeps your rates cheap and lock in the pricing.
Renters Insurance Boise
Did you know, when you are renting an apartment or home. If something happens to your belongings the landlord does not cover it! That's correct, you need to have a plan to protect your stuff. Typically you can get something in place for as little as $100 a year. Well worth the investment.
Condo's & Town-homes
Condominiums & Townhouses need to have their own type of policy. They are different from a traditional policy in coverage. Give us a call today and ask about our multiple policy discount.
Mobile & Manufactured Properties
Just like a Condo type of policy a Mobile Home or Manufactured house have their own types of contracts. You need to be careful when reviewing your policy. The age of your investment will come in to play on coverage and the type of re-reimbursement it will afford you.
Log Homes & Cabins
These are usually vacation or rental properties. Some carriers even stopped writing this type of policy due to the high claims rate. We will shop the market and make sure we find you coverage. The premiums can range to be a bit higher than your primary property. That is to be expected but we have the markets.
Homeowners Insurance Policies
Owners of Real Estate and land use insurance policies cover the property you own. Including but not limited to the liability coverage that's included with most plans.
Most policies cover, the property, itself, building protection, other structures, additional living expenses, personal contents, and liability.
Renters insurance
typically have the same provisions , except for the protection of the building and other structures. Your landlord will have a policy that covers the building.
There are a number of plans in the marketplace for you to shop for quotes and get information. The main plans are basic and extensive.
It can get confusing trying to decipher what the plan will cover. We can help you determine which policy would be the best fit for your home.
If your purchasing a newly built property. We have some of the best rates in the nation for new homes.
Many people believe that the plans only protect against natural disasters, fires or other catastrophes.
This is true but depending the contract may cover and pay for other belongings. You can also schedule personal property for protection.
If you own and expensive watch, the base plan may only cover up to a certain amount. But you can add a rider sometimes that would cover the actual cash value of the item.
However, the range of coverage depends on the type of plans chosen by the owner of the house.
They can also afford legal protection that protects the property of the individual against all forms of damage and liability.
It also helps to replace, remodel or repair a damaged house. Different insurance companies offer different types of plans. Most fire insurance policies can contain large discounts. Don't forget to ask us about our motor-home plans. Yes, we can insure those as well with affordable rates.
Boise House & Flood Insurance Coverage
How do you know which to choose...
Part of what you pay for is to protect the owner of the home from accidents or incidents that take place in or on the property itself. Thanks to this clause in the contract, the owner of the house is protected from disputes arising from these events. Please remember that it wont cover the transmission of diseases and does not cover the problems that arise from the exchange of medicines and controlled substances.
Part of the property in the contract protects the owner against fire, theft and minor damage caused by the weather. It should be noted that in most cases, major aviation damages are not included in standard contracts. Insured persons who live in areas exposed to natural disasters should be advised to buy additional protection to cover these risks. Floods, earthquakes, hurricanes, and hurricanes are not necessarily covered by standard contracts, so precautions should be taken depending on where you live.
In addition, liability insurance that covers injuries, damage to public property or property resulting from an accident on your home is also covered by insurance, with certain limits, as well as a loss of use due to the time of failure during the repairs.
Therefore, before applying for an insurance policy, people should know the types of policies and the benefits of the owner. Therefore, at the beginning of the unit, they should make an inventory of household items. These items for the property can include jewelry, furniture, electronic products or anything that people want to cover.
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Types of Policies
HO-1 Basic Form
The Basic form usually will cover against the 10 named perils. The policy can include other items such as. Paintings, jewelry, furniture and theft.
Currently, this type of policy has become obsolete in many states. It also covers the house against 10 threats, including explosions, vandalism, and mutilation of animals.
HO1 is the basic policy in which premium prices are reasonable. However, it is no longer available in most states.
Floods and earthquakes are typically not covered along with personal liability.
HO-2 Broad Form
HO2 is a limited policy in which insurers cover certain parts of the house.
This policy also provides limited protection for all 16 potential disasters. This policy has been specifically designed to provide protection to mobile properties.
This type of coverage provides protection against snowstorms, snow, roughness, cracks, hydraulic breakdowns, etc. Do not ensure damage to your home due to other systems such as televisions or other electronic components.
The insurance works well for people who live in areas of heavy snow or mobile homes.
HO-3 Special Form
This is one of the most popular types of plans. It provides fire protection against most disasters.
It protects both the structure and the contents of the house. It provides a range of responsibilities that can evolve due to routine use.
It also may include liability for guests who may suffer injuries or accidents in the building.
Mortgage lenders always prefers this type of policy. The HO3 policy covers all aspects of your investment, such as the structure and other household items.
This policy also covers all costs if the guest suffers injuries at the place of residence. It may also protect against floods, earthquakes, and wars.
HO-4 Tenants Form
More commonly referred to an Renters Insurance. These plans are typically very affordable for the average consumer. These policies cover the renters belongings in the unit or building.
They also cover liability, in case of an accident. Along with living expenses should you need to stay somewhere else while the property is being repaired, due to fire or water damage.
HO-7 Mobile Property Form
Basically it is the same as the HO-3 from. Just made specifically for mobile or manufactured homes.
HO-8 Older Properties Form
Designed for older houses and properties. It will reimburse based on actual cash value and not what you paid for the items or belongings at the time of purchase. It's just harder and more expensive to insure older properties.
HO-5 Comprehensive
As the name states, this is one of the most comprehensive policies on the market. It covers the more named perils than other plans. Which include but not limited to. Water Damage, Earthquakes, Pets & Mold.
This policy provides protection for the owner and his home. It also covers accidents caused by guests or bystanders.
It is more comprehensive than the HO-3 policy. But both are fairly similar.
However, this plan covers the property and everything that is located there.
It also includes guest medical. If a guest is injured on the premises and you are negligent.
HO-6 Condo Form
HO 6 policy applies to condominium owners. The plan is specifically desgined to cover the occupants belongings. It also carries liability coverage and guest medical.
It typically extends the coverage to the walls, ceiling and floors of the dwelling as well.
The structure of the property is covered by the master policy. That coverage is purchased by the homeowners association that you pay your dues into.
Best bet is to always get a copy of the master policy. Give it to us as your agent and we will review it for you our homeowner. Sometimes the master may have limited protection and we can supplement it with your own.
Boise Home Insurance Protection
Coverage and peace of mind at affordable rates
The Basics of what the plans cover
Home & Flood Insurance Coverages
Property Coverages
Your policy covers the real house. This is part of a typical property insurance policy. You must cover the house and other buildings on your land. It can be a fence, garage and shed. It is part of the buildings policy. This part of the policy is what most of us think when we buy to get coverage.
Liability Protection
Your policy should also provide protection against liability. As an example If your friend comes over to help you with a task. But, slips to the floor and you are responsible your policy should provide protection. This may include legal help and compensation if they win the case. If something like this happens to you, it would be nice to have an insurance company on your side. A lesser-known element of protection against liability is that it covers accidents that do not occur on your home. For example, if your child accidentally tossed a baseball through a neighbor's expensive window. There typically would be coverage.
Personal Property & Contents Coverage
Policy Provisions Exclusions & Limitations
Sure we can talk about the structure of your property. But don't forget your personal contents. They will be covered by the fire insurance policy. If a television, jewelry or DVD is damaged or stolen, you can file a claim for reimbursement. It is important to know if the company will reimburse at replacement cost or actual cash value.
ACV is what your home would be worth today. So you may not receive what you paid for it initially. Full replacement cost, you would be given what you paid for it regardless of depreciation. Don't worry we will explain all of this to you before you purchase your plan. Our goal is always to make sure that our customers know what they are paying for and how it affects them if a claim should arise.
Additional Living Expenses
If something did happen where you could not live in the home you may have to use the additional living expense provision. This would only be necessary if the house has been damaged and is considered non livable. In the event of a fire or flood, and the owner is forced to find an alternative living arrangements. The policy would pay up to certain limits for a hotel or extended stay. Also a home to rent if the repairs were to be lengthy.
The insurer will pay all expenses until the structure is repaired or rebuilt. This includes the cost of meals, hotel rents or bills, as well as car rental rates. Depending on the company that underwrote the policy. This could be 10 to 20% or higher of the dwelling coverage amount. Talk to your agent about this provision. They can help you think how much may be appropriate and we can give you different quotes as well.
Boise City NFIP Program
Boise participates in the
National Flood Insurance Program. We do have flooding threats and risks with the Boise River, foothills and other streams that channel from the upper bench. A flood can cause extraordinary property damage. Home owners in a designated "SFHA" Special Flood Hazard Area need to take extra care to protect themselves and their property from these losses.
Is your home located within a floodplain? You may call the Planning and Development Services staff 208-608-7100. They can let you know more information such as depth of flooding in your area and if an Elevation Certificate is available for your property. You may also contact Public Works Engineering at 208-384-3900
for technical analysis of your property and how to protect it from a loss. Also, you may simply call our office. We can run your property through our quoting system to determine what zone you are in and if you can provide an elevation certificate for a lower premium.
Why Work With Boise Home & Flood
Our Agency is located in the city of trees, but we work and can help you no matter where you live in the state of Idaho. Other policies we offer include but not limited to Auto, Farm, Life & Business Owners.
Areas covered by our great agent staff include, Nampa ID, Eagle ID, Meridian ID, Pocatello, Twin Falls, Mountain Home.
Frequent questions we get from our clients and customers:
How much does house and auto insurance cost in Idaho?
What is the best home insurance for me?
What are the best insurance companies in the Treasure Valley and Idaho?
These are all great questions and very hard to answer to be honest. But what we do here, is our agents will compare the right plans for your budget to save you as much as you can on premiums. We take an independent view of your needs.
Best Home & Flood Insurance Companies
What is the average cost of homeowners insurance in Idaho
These are some of the top questions we get either online or from our customers and clients. If we are talking about the captive companies we recommend Allstate home insurance coverage and State Farm. If we are looking at the independent channel Safeco and Progressive Insurance do a great job. Not to worry though we can shop and compare the marketplace for you. USAA also is a very highly reputable and regarded company. They are know for serving the military and it's families for generations. Nationwide is another very popular choice here in Idaho. They have local agents to service your claims and policies. Travelers Policies are very competitive here in the Treasure Valley. Mostly independent agents bind coverage with this company. We can also help you with AAA coverage for the protection you may need.
The average cost of home insurance varies and depends on some many factors that is is impossible to estimate without getting a quote for the specific property. But if you want the cheapest rates end you can expect to pay around $300 annually. From there the average price will just continue to rise.
Explore top-rated coverage and get affordable condo insurance in Idaho. Compare rates and find the best condo insurance tailored for you with Boise Home & Flood Insurance.
Explore the most affordable home insurance in Idaho with top-rated coverage options. Find the best rates to protect your home and budget with Boise Home Insurance.
Get specialized homeowners insurance for mobile homes in Boise. Secure your investment with
tailored coverage that meets your needs. Contact us at Boise Home Insurance at (208) 515-2228.
Protect your home with the best in quality coverage. Find out who the top home insurance companies are! Get in touch with the trusted insurance broker at Boise Home & Flood Insurance Agency.
Landlord insurance is an essential tool for rental property owners looking to safeguard their investment and protect themselves from unexpected risks. As the adage goes, “it's better to be safe than sorry”; landlord insurance serves as a safety net that will provide you with financial security in the face of any unforeseen costs or damages. By understanding what kind of coverage it provides, how it protects your investment, and the benefits of obtaining this type of insurance, landlords can make smart decisions regarding their rental properties and investments.
Get the facts on Floodflash and why flood insurance is crucial. Learn all about it here with your trusted insurance provider, Boise Home & Flood Insurance Agency
Condo insurance is a type of homeowners insurance designed to meet the needs of people who own condominium units. It provides coverage for the owner's personal property and liability, as well as any additional structures within the unit's boundaries. Condo insurance policies are typically less expensive than traditional homeowners policies, but still provide an important level of protection and peace of mind. Understanding what condo insurance covers and how it works is essential to finding the right policy for your specific situation.
Protect your property and assets with the best homeowners insurance. Learn more through our helpful guide and get free quotes from Boise Home & Flood Insurance Agency.
Protect your property investment with peace of mind - learn all about property insurance! Find out more with Boise Home & Flood Insurance Agency and get a free customized quote!
Protect your apartment and budget with affordable renters insurance! Learn how to get the best coverage without breaking the bank. See more of our services at Boise Home & Flood Insurance Agency.
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Main Office
894 E Boise Ave Ste. 100Boise, ID 83706
Business Hours
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