Your home is probably your biggest investment, and your belongings are worth more than you think. Homeowners, renters, and condo owners all need coverage that fits.
I'll help you understand what's covered, what isn't, and how to set up a policy that protects your family without the guesswork.
The structure itself, from the roof to the foundation, if it's damaged by a covered event like fire or wind.
Detached garages, sheds, shops, and fences on your property.
Furniture, clothing, electronics, and other belongings, at home or sometimes away from it.
Helps if someone is injured on your property or you accidentally damage someone else's.
Helps with extra living costs, like a hotel, if a covered loss makes your home unlivable.
Coverage for your belongings and liability if you rent, or for what's inside your walls if you own a condo.
Market value is what your home would sell for, including the land. Replacement cost is what it would cost to rebuild the structure, which is what your insurance is meant to cover. They can be very different, and rebuilding costs have risen.
Standard homeowners policies typically don't cover flood damage, and earthquake is usually separate too. Ask me about your options if you want that protection.
Your landlord's policy generally doesn't cover your belongings or your liability. Renters insurance is often very affordable and can protect both.
Rising rebuilding costs, wildfire risk, and severe weather are all putting pressure on rates. Read why Idaho home insurance is going up and what you can do about it.
I serve families, farms, and businesses across South Idaho, including these communities:
This page is general information, not a coverage offer or advice. Coverage, discounts, and eligibility vary and are subject to underwriting and the terms of your policy.
