Idaho Home Insurance



At Boise’s Best Insurance we will help you navigate through one of the most critical policy decisions you will make during your lifetime: Purchasing a home. In order to secure you the most appropriate and efficient coverage, we take the time to truly understand your unique insurance needs—because let’s face it, every home and Idaho homeowner is unique—so why shouldn’t your policy be?

As one of the Idaho’s leading insurance agencies we get you the best possible Idaho homeowners insurance at the most competitive rate—no matter where you are located across the region, we are here to help!

Typical coverage packages – for Idaho homeowners insurance can include protection for the following:

  • Physical structure of the house
  • Replacement cost
  • Personal possessions
  • Additional living expense (in the event of covered loss or a natural disaster)
  • Liability

Need for a bit more security?

Don’t hesitate to ask one of our expert insurance professionals about further coverage options you can purchase to enhance your Idaho homeowners insurance plan! Supplemental policies that add an extra degree of protection include:

At Boise’s Best Insurance, we know that what may work for one Idaho homeowner won’t necessarily work for you. Give us a call today, to learn more about our all-encompassing Idaho homeowners insurance policies. One of our dedicated agents would be happy to provide you with a thorough coverage evaluation as well as offer you with either a free home insurance quote right now!

We’re here to help


Idaho Home Insurance

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Curious About Typical Home Insurance Coverages?

Property Coverages

  • Coverage A – Dwelling
    Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter’s insurance) typically has no Coverage A, although it has additional coverages for improvements.
  • Coverage B – Other Structures
    Covers other structure around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.
  • Coverage C – Personal Property
    Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.[14]
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities.
  • Additional Coverages
    Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord’s furnishing, and some building additions. These vary depending upon the form.
  • Exclusions
    In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3).[15] The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered.[16] A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.[17]
  • Floods
    Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. [18]

Liability Coverages

  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable for and provides a legal defense at the insurer’s own expense. About a third of the losses for this coverage are from dog bites.[19]

Contact Us to learn more about the right homeowners insurance for you.