Home Insurance

Do you have affordable homeowners' insurance for your house in Idaho? Let our insurance agent help you check to see if you have the right kind of coverage for your home at the best possible price. Idaho homeowners' insurance is designed to limit your out of pocket costs in the event of a covered natural disaster or event. The insurance policy should cover your main dwelling and your personal property. Additional covered items may include outbuildings and home offices.

Several factors can influence the cost of your monthly premiums, including the value you have placed on your home and your deductible. You want to make sure that you have insured your home for a realistic value that allows you to repair or replace your home in the event of a total loss.

The deductible is the amount you will always have to pay every time you file a claim. You want to set your deductible at an amount that you can always afford, but not so low that your premiums are financially unrealistic.

Other factors that influence the cost of your homeowners' policy include whether or not you have an alarm system, the age of your home, and your location in relation to the nearest firehouse and emergency services. Alarm systems typically result in a lower monthly premium. Older homes are typically considered a bigger risk than newer homes, and if you live within a certain number of miles from a firehouse, you may be eligible to receive a lower premium.

Our independent agents in Idaho can help you find an affordable homeowners' insurance plan. We can even help you find earthquake and flood insurance if you need it. Those two types of weather events are not typically covered in a basic homeowners policy. To get started, all you have to do is fill out our fast quote form or call us. We would be happy to give you custom quotes from several different insurance companies.


If there's an accident in your rented home your belongings are not protected by the landlord's insurance policy. Keep your personal items safe and protected with affordable renters insurance coverage from Insurance Designers today.