Homeowners Insurance in Idaho

Protect Your Home With Home Insurance in Idaho

Idaho homeowners insuranceIf 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.
 
The Hartford is an insurance company backed by over 200 years of experience protecting individuals and their properties. No matter where you live in the state, the AARP® Homeowners Insurance Program from The Hartford1 can get you the seguro de viviendas coverage you need. So, whether you live in Boise, Pocatello or Caldwell, you can protect your home from financial loss with The Hartford.
 

Coverages for Home Insurance in Idaho

The Hartford’s homeowners insurance policies come with the following coverages:

Cobertura por responsabilidad civil

En caso de que alguien externo a su vivienda sufra lesiones o daños a la propiedad de los que usted es legalmente responsable, personal liability puede ayudarle a cubrir sus gastos de defensa legal y la sentencia en su contra, hasta los límites establecidos en su póliza.

Dwelling Insurance Coverage

Dwelling insurance coverage helps pay to repair or rebuild the structure of your home and the structures attached to it, such as roofs. It also includes internal systems like wiring and plumbing, plus heating and air conditioning. Most home insurance policies don’t cover damage from or earthquakes, but there are additional coverage options to help if these situations occur.

Other Structures Insurance Coverage

This helps cover structures on your property that aren’t attached to your house. For example, if your shed collapses from heavy snow, la cobertura para otras estructuras can help cover the cost of damages.

Personal Property Insurance Coverage

La cobertura de propiedad personal helps protect your personal belongings such as furniture, clothing and appliances. When you insure your personal property with replacement cost coverage, covered property that is stolen or damaged will be replaced with a comparable item at today’s value, not depreciated actual cash value.

Cobertura de pérdida de uso

This coverage helps pay your living expenses, up to policy limits, if you cannot live in your home due to a covered loss or after suffering a loss. So, if your house is damaged from a fire and needs repairs, this coverage helps to cover the costs to stay in a hotel or rental.

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  seguro contra inundaciones 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
  • Límites de la cobertura
  • Home’s age

Discounts To Help You Save on Your Idaho Home Insurance

There are many descuentos para seguro de viviendas available through the AARP Homeowners Insurance Program from The Hartford to help you save money.
 

Ahorros en paquetes de seguro

If you combinar el seguro, 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:
 

Ahorros en la seguridad del hogar y dispositivos de seguridad

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.
 
It's fast and easy to get a cotización de seguro de viviendas from The Hartford. Get a quote online or call 877-422-2345 today to learn more about the savings and benefits available to you.

FAQs About Idaho Homeowners Insurance

The average cost of home insurance in Idaho is $1,201 per year or $100 per month.3 This is less than the national average cost of $2,151.4
Idaho doesn’t require homeowners insurance by law. But, you may be required to get coverage if you have a mortgage on your home.
 
 
Última actualización: 7 de agosto de 2024
 
2,3,4 Bankrate, “Average homeowners insurance cost in August 2024.”
 
*** This is an optional coverage and may not be available in all states.
** Los montos de ahorro promedio se basan en información comunicada por los clientes que se cambiaron a The Hartford desde otras compañías entre 9/1/22 y 8/31/23. Su ahorro puede variar. El ahorro promedio en el seguro para automóviles es de $577 y el ahorro promedio en el seguro de viviendas es de $236. Las diferencias de tarifas entre los afiliados y los no afiliados de AARP varían según el estado y la antigüedad de los afiliados de AARP. El descuento para auto y vivienda está disponible solo para asegurados que tengan tanto su seguro para auto y vivienda (o condominios y arrendatarios) por medio de los programas de seguros para autos y de viviendas AARP de The Hartford. .The Hartford no suscribe nuevos negocios en todas las áreas, incluidos los estados de CA y FL.
 
§ La disponibilidad del beneficio RecoverCare y los niveles del beneficio varían según el estado. The Hartford RecoverCare Advantage® es una marca registrada de The Hartford.
 
§§ Se aplican términos y condiciones.
 
‡ Se aplican términos y condiciones. La exención por accidente y la desaparición progresiva del deducible no están disponibles para asegurados de California.
 
‡‡ Se aplican términos y condiciones. La disponibilidad varía según el estado.
 
‡‡‡ Con base a un auto y conductor; la tarifa/prima/ahorros individuales variarán según las selecciones de cobertura reales y las características de los vehículos/conductores.
 
Divulgaciones adicionales a continuación.
Seguro de viviendas de AARP®
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Preg. Frecuentes
Coberturas
Recursos adicionales
Los resúmenes de las coberturas y las características de las pólizas son únicamente para fines informativos. En caso de que se produzca una pérdida, los términos y condiciones reales establecidos en su póliza determinarán su cobertura.
 
AARP y sus afiliadas no son aseguradoras. Endoso pagado. The Hartford paga regalías a AARP por el uso de su propiedad intelectual. Estos cargos se utilizan para los fines generales de AARP. En la mayoría de los estados, es necesario ser miembro de AARP para ser elegible para participar en el Programa.
 
El programa de seguros para automóviles de AARP de The Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está avalado en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Hartford Underwriters Insurance Company; en WA por Hartford Casualty Insurance Company; en MA por Trumbull Insurance Company; y en PA por Nutmeg Insurance Company y Twin City Fire Insurance Company. El programa de seguros para viviendas de AARP de he Hartford está respaldado por Hartford Fire Insurance Company y sus afiliados, One Hartford Plaza, Hartford, CT 06155. Está subscrito en AZ, MI y MN por Hartford Insurance Company of the Southeast; en CA por Property and Casualty Insurance Company of Hartford; en WA por Trumbull Insurance Company; en MA por Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, y Hartford Accident and Indemnity Company; y en PA por Nutmeg Insurance Company. El producto para viviendas no está disponible en todas las áreas, entre las que se incluye el estado de Florida. Los ahorros, los beneficios y las coberturas disponibles pueden variar y es posible que algunos solicitantes no sean elegibles. El programa no está actualmente disponible en Canadá, ni en los territorios o posesiones de Estados Unidos.
 
1 En Texas, el programa para automóviles está respaldado por Redpoint County Mutual Insurance Company a través de Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company y sus afiliados no son responsables financieramente por los productos de seguros suscritos y emitidos por Redpoint County Mutual Insurance Company. El programa para viviendas está respaldado por Hartford Insurance Company of the Southeast.
 
* Los comentarios de los clientes son recolectados y tabulados por The Hartford y no representan a todos los clientes.
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