Additional Coverage Recommendations for Idaho Home Insurance
If you’re looking for more protection beyond just the standard homeowners insurance coverages, The Hartford has you covered. Some coverage options you can customize your policy with include:
- “New for Old” Protection,‡‡ which replaces your possessions if they get destroyed with a new one that is the same quality.
- Reimbursement for replacing locks if your keys get stolen or you lose them and need to buy replacements. This can help pay up to $500 with a $100 deductible.
- Identity fraud expense coverage, which reimburses you for out-of-pocket expenses up to certain limits if you experience identity theft. This helps cover lost income and legal fees.
- Disappearing Property Deductible‡‡ to reward you by reducing your deductible every year when you go three consecutive years without an insurance loss.
- Equipment breakdown coverage to help pay for repairs or replacement of appliances and electronics when there is an electrical or mechanical breakdown. It also provides coverage if you want to make “green” upgrades. It pays up to 125% of your cost to replace any covered equipment with items that are similar, but more energy efficient or environmentally friendly. Keep in mind that this coverage doesn’t cover normal wear and tear of your items.
- Valuable items blanket to provide extra protection for certain valuables after a covered loss. For instance, if your insured jewelry gets stolen, this coverage can help cover its replacement cost.
Keep in mind that a standard homeowners insurance policy doesn’t usually cover flood damage, so you’ll have to buy a separate
flood insurance policy. As long as your community is part of the National Flood Insurance Program (NFIP), you can get coverage.***
How Much Does Idaho Homeowners Insurance Cost?
On average, home insurance rates in Idaho cost $1,201 per year, or $100 per month.
2 However, it’s important to note that homeowners insurance costs are unique to each person. Some factors insurance companies look at to determine
homeowners insurance rates are your:
- Home’s size
- Geographic location
- Claims history
- Coverage limits
- Home’s age
Discounts To Help You Save on Your Idaho Home Insurance
Bundle Insurance Savings
If you
bundle insurance, you could save on both policies. In fact, bundling insurance with The Hartford could save you up to 12% on your auto insurance and up to 20% on your home, renters or condo insurance.** The Hartford offers the following types of bundles:
Home Security and Safety Device Savings
If you install home
security systems, like burglar alarms, you can receive a discount.
Get a Quote for Homeowners Insurance in Idaho
Not all home insurance companies in Idaho are the same. The Hartford has the only homeowners insurance program endorsed by AARP, and our representatives consistently earn high ratings for customer and claims service. Through the AARP Homeowners Insurance Program from The Hartford, we can help get you the coverage you need.
If you live in Idaho, you know the state is known for much more than its potatoes. With vast wilderness and mountains, the Gem State is a beautiful place to call home. However, being a homeowner in Idaho also means facing challenges throughout the year like wildfires, winter storms and earthquakes. Disaster can strike at any time, so it’s important to have the right homeowners insurance in Idaho to stay protected.