Homeowners Insurance
From historic Boise bungalows to new builds in Meridian, we tailor home coverage that fits your property, budget, and risks—without the legalese.
Whether you’re buying, refinancing, or finally updating coverage, we’ll explain what’s covered, what isn’t, and how to avoid surprises.
What We Help You With:
DWELLING & OTHER STRUCTURES →
Covers the cost to repair or rebuild your home if it’s damaged by a covered event like fire, wind, or hail. Detached structures such as garages, fences, or sheds are also included for added peace of mind.
PERSONAL PROPERTY →
Helps replace belongings like furniture, electronics, and clothing if they’re stolen or destroyed. Replacement cost value (RCV) options let you recover the full value rather than just the depreciated amount.
PERSONAL LIABILITY & MEDICAL PAYMENTS →
Provides financial protection if someone is injured on your property or if you accidentally cause damage to others. It also helps with medical bills, legal costs, and settlements.
LOSS OF USE (ALE) →
Pays for additional living expenses if you can’t stay in your home during repairs after a covered claim. This can include hotel stays, meals, and other day-to-day necessities.
HIGH-VALUE ITEMS →
Provides extra coverage for valuable possessions such as jewelry, instruments, and collectibles. These items can be scheduled separately to ensure they’re insured for their appraised worth.
DISCOUNTS & BUNDLES →
Lower your premium with savings for protective devices like alarms and for upgrades such as a new roof. You can save even more by bundling your home policy with auto or other coverages.
Home Insurance FAQ
Does a standard policy cover floods or earthquakes?
No—those are separate policies. We’ll advise if they’re appropriate for your address and risk tolerance.
What is replacement cost vs. ACV?
Replacement cost pays to rebuild/replace at today’s prices; ACV subtracts depreciation. Most homeowners prefer RCV.
How high should my liability limit be?
Many choose $300k–$500k and add an umbrella for extra protection. It’s about safeguarding assets and future income.
Will home upgrades change my premium?
Sometimes. A new roof, security system, or updates to plumbing/electrical can reduce risk and may lower rates.
Can I bundle for better pricing?
Yes—bundling home and auto often yields the best combined savings.