Idaho Home Owner Insurance Quote

The Home Owner Insurance Network provides Idaho residents multiple quotes from licensed insurance companies throughout ID. We know that home owner insurance can be confusing and expensive. Whether you live in the Boise, Pocatello and Coeur D'Alene - with multiple insurance companies competing for your business, you can be confident that you'll find Idaho home owner insurance that suites your coverage needs. Protect everything you and your family own; get a free Idaho home owner insurance quote within 3 minutes. All home owner insurance products are licensed by the State of Idaho. Don't go without coverage the need!

Idaho Home Insurance: The Protection You Need

Idaho home insurance provides much-needed protection for both your home and personal possessions. It also protects you against liability from accidents in which others are injured or their property is damaged due to your negligence.

Your Idaho homeowner's insurance covers your home and property at either "replacement cost" or "actual cash value." Replacement cost coverage pays to replace your home and belongings with materials of like kind and quality at current market prices; actual cash value policies reimburse you only for your home's depreciated value. In other words:

Actual Cash Value = Replacement Cost Value - Depreciation

Most Idaho home insurance reimburses you at actual cash value, rather than replacement cost. However, if you feel you need replacement cost value added to your policy, you may do so for an added fee. Just let Idaho home insurance agents know of your desire when you shop for your home insurance quotes.