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Idaho Home Insurance

Idaho home insurance offers property damage protection with the most basic policy. All Idaho home insurance policies cover damages caused by fire, smoke, hail, wind, falling objects, theft, vandalism, vehicles, aircraft, frozen pipes, a sudden cracking, and overflowing steam from air conditioners and water heaters. For bodily injury liability protection, Idaho homeowners insurance has the HO-3 policy which covers accidents on property. Most home mortgage lenders require Idaho homeowners insurance.

Idaho Home Insurance Coverage

In Idaho, most things that would happen to a home are covered under the protection of a basic policy. But special considerations might have to be made if the basic policy (HO-2 policy) doesn’t cover things like falling objects or weight damage from heavy snow. Any damages sustained to a home from flood damage would not be covered under Idaho homeowners insurance. Flood insurance provides this coverage and can be purchased in addition to your Idaho home insurance. It is important to review the “exclusions” section of your policy to determine what is and is not covered under your Idaho home insurance.


A homeowner can greatly reduce their Idaho home insurance by doing a little footwork. Insurance companies offer discounts when you buy your Idaho home insurance and auto insurance policies through them. Also, with a little work, you can increase the security and safety of your property to receive a discount. By simply adding a deadbolt and smoke alarms to your home, you can shave dollars off your premium. Many find that by shopping around, they can get a better premium rate.

Idaho Department of Insurance

Department of Insurance
700 West State Street
P.O. Box 83720
Boise, ID 83720-0043

Phone: 208-334-4250

For other Idaho Insurance Resources, See:

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