How you're covered
Idaho doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:
- Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
- Other structures coverage protects detached structures, such as a fence or shed.
- Personal property coverage protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
- Personal liability coverage 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.
- Loss of use coverage 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.
Keep in mind coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.
Common claims in Idaho
Idaho residents face risks from severe weather events and natural disasters. Idaho is one of the top states for wildfires. Snowfall and rainfall also cause problems in many parts of the state. Your home insurance policy may cover damage to your home's structure and belongings caused by these perils up to your policy's limits.
Learn more about how home insurance may cover damage caused by severe weather.
Idaho homeowners can experience flooding when snowfall and rainfall cause water levels to rise in the long rivers running throughout the state. A separate flood insurance policy may protect your property and belongings against flood damage.
Helping you save
Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:
- Alarm System
- Quote in Advance
- New Purchase
See more about the home insurance discounts we offer.
How much is homeowners insurance in Idaho?
Your cost for Idaho homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.
Fun facts about homes in Idaho
Pocatello, Idaho is home to Standrod Mansion, an unusual, castle-style chateau built in 1902.
Idaho's homeownership rate is 71.5%, as of March 2021.
One of the oldest houses in Boise is the Bown House from 1879, which is on the National Registry of Historic Places. Unusual for the time, it was built with sandstone from nearby Table Rock.