Idaho Homeowners Insurance

Living in the Gem State

Idaho is a state with lots of natural beauty. It’s also a state with rodeos, sled dog racing and fry sauce. Most Idahoans live in small towns or remote rural areas. If you live in Boise, out east in Idaho Falls or up north near Coeur d'Alene, wherever you live in Idaho Safeco offers insurance for your home in the Gem State. When considering home insurance coverage in Idaho, keep in mind how the climate and severe weather of the state can adversely affect your home, belongings and property. Get your Idaho home insurance quote today.

Idaho Home Insurance Choices

Safeco Essential™

With standard coverage to help pay for repairs or to rebuild your home and other buildings on your property, Safeco Essential™ offers Idahoans an affordable blend of home insurance coverage and value.

Safeco New Quality-Plus™

For Idaho homeowners looking for more than our standard level of coverage, Safeco New Quality-Plus™ offers additional coverage and higher limits than Safeco Essential™.

Safeco Optimum™

Idaho homeowners who need additional coverage for extensive assets and treasured belongings should consider Safeco Optimum™ with its increased levels of protection.

Idaho Home Insurance Discounts

Safeco offers several ways for Idahoans to lower your homeowners insurance bill. Talk to your local Safeco insurance agent about home insurance discounts in Idaho.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your Idaho homeowners insurance quote today and start saving tomorrow.

More Than One Policy

Idahoans who also have an active auto or umbrella policy with Safeco may qualify for a homeowners insurance discount.

Idaho Home Insurance Coverage Options

All Safeco homeowners insurance policies come packed with standard coverage to help pay for repairs or to rebuild your home and other buildings on your property. Also called endorsements or riders, Idahoans have the option to choose even more types of home insurance coverage in addition to our many popular home insurance coverage options.

Above and Beyond

Get an additional 25% or 50% more protection than the limit stated in your policy. In the event of a major or total loss to your home, extended dwelling coverage will help pay for unexpected repair or rebuilding costs that exceed the amount covered by your base Idaho homeowners insurance policy.

Home Business

Coverage for some types of home-based businesses such as piano teachers, tutors and accountants can be added to your Idaho homeowners policy.

Home Day Care

Get liability coverage for home day care services provided in your home for up to three people.

Hobby Farm Insurance

If your farm is not your main source of income and meets certain eligibility requirements, incidental farming coverage helps cover the cost of damage to your farm property, tools and equipment and for animal collisions. Your home insurance liability coverage is extended to your hobby farm and adds medical payments for farm employees. Ask your Safeco agent if hobby farm insurance is right for you and your farm.

Libel and Slander

Protection for nonphysical injuries like libel and slander are not part of a standard home insurance policy. Add personal offense coverage to help protect yourself against libel and slander liability.

Severe Weather and Acts of Nature in Idaho

Flooding in Idaho

Spring snow melt and heavy rain are the main sources of flood water in Idaho. Flash floods, river floods and ice jam floods are all a common and annual occurrence in the state.

Does home insurance cover flood damage in Idaho?

Flood damage is not covered by a standard homeowners insurance policy. To insure your home against flood damage, you need to purchase flood insurance backed by the National Flood Insurance Program. Learn more about floods on the Flood Smart website.

Mudslides and Mudflows

Mudflows are different than mudslides. According to the National Flood Insurance Program “mudflows are rivers of liquid and flowing mud on the surface of normally dry land.” Mudslides are a type of landslide typically caused by sloping ground inundated with water. Mudflows are covered by flood insurance. Mudslides may be covered by flood insurance if they meet strict criteria.

Does home insurance cover mudslides and mudflows?

Mudlfows and mudslides are not generally covered by a standard homeowners insurance policy. Mudflows are covered by flood insurance. Mudslides may be covered by flood insurance if they meet strict criteria.

Wildfires in Idaho

Wildfires are started each year by both human carelessness and natural causes. In 2012 more than 1.5 million acres burned across central Idaho.

Does home insurance cover wildfire damage?

Your home insurance policy typically covers the cost to repair common wildfire damage to your home and personal belongings.

Thunderstorms, Lightning and Hail

Thunderstorms bring high winds, hail and lightning. Lightning can start fires and cause electrical surges that damage home electronics. Lightning and high winds can knock over trees and tree branches that can cause damage to your home or your neighbor’s home and property. Hail is capable of causing significant damage to roofing, skylights and windows.

Are lightning strikes and hail damage covered by home insurance?

The cost to repair common lightning and wind damage associated with thunderstorms is covered as part of a typical home insurance policy, as is the cost to repair common hail damage to your roof, siding and personal belongings.

Winter Weather in Idaho

Snow is essential for some winter sports like skiing and snowboarding. Idaho gets its fair share, making it a popular ski resort destination. But snow, ice and below freezing temperatures can also cause problems for your home and property.

Cold winter temperatures can:

  • Freeze and burst pipes
  • Damage gutters and shingles

Heavy, wet snow can:

  • Overload and collapse your roof
  • Down trees and break tree branches that damage your home

Tornadoes in Idaho

Though not a region known for tornado activity, Idaho has had an average of five tornadoes touch down in the state each year between 1991 and 2010

Does home insurance cover tornado damage?

A typical home insurance policy covers the cost to repair damage caused by a tornado.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.