Idaho Homeowners Insurance

Here in our Pocatello office, we ask more questions than your typical insurance agency. Taking a few extra minutes over the phone helps us make sure you are not over or under insured. It also helps us find additional discounts that you may qualify for. We have around fifteen homeowner's insurance options. We offer Local, Regional, National and Worldwide Insurance Companies. 

Here are some items homeowner's insurance companies are looking at before making you an offer for homeowners' insurance.  

• Scoring
• Insurance Bureau Score 
• Credit Score (Promotional Inquiry)
• Stability Score
• Fraud Score
• Territory Score
• Brush Hazard Score
• Flood Hazard Score

• New or Updated Systems 
• Roof System (Big Discount) 
• Plumbing System (Big Discount)
• Exterior System
• Electrical System 

• Pride of Homeownership
• Peeling Paint 
• Crumbling Stairs
• Missing handrails
• Missing Shingles
• Curling Shingles
• Trees Touching or Overhanging buildings.
• Clutter

COVERAGE

1. Fire & Lightning
2. Windstorm or Hail
3. Explosion
4. Riot or Civil Commotion
5. Aircraft
6. Vehicle
7. Smoke
8. Vandalism or Malicious Mischief
9. Falling Objects
10. Weight of Ice, Snow or Sleet
11. Accidental Discharge or Overflow of Water or Steam
12. Sudden & accidental tearing apart, cracking, burning, or bulging
13. Freezing
14. Breakage of glass or safety glazing material

OPTIONAL COVERAGE

• Equipment Breakdown    
• Central Air Conditioning  
• Furnaces, Heat Pumps, Heaters
• Boiler and Water Heaters
• Appliances electronics & Per Prop

• Water and Sewer Back Up
•  Water backup insurance provides coverage for damage to your property caused by a clogged sewer line, failed sump pump and backed up drains. 

• Service Line Coverage 

(A Must Have If Available) 

• Underground piping or wiring that connects a home to a public utility service provider or private. From the exterior of the home to the city connection. 
• Electric Lines
• Sewer Lines
• Water Lines
• Wear and Tear
• Rust
• Corrosion
• Decay 
• Deterioration
• Hidden or Latent Defects
• Freeze
•  Collapse (not Sinkhole or Subsidence Collapse)
• Electrical Breakdown
•  Mechanical Breakdown
• Pressure System Breakdown

•  Seepage or Leakage Coverage 

(A Must Have If Available)

•  Cost of tearing out and replacing building includes unknown or hidden damage. Does not cover loss to the system or appliance.

• INSPECTION ORDERED
•  An Automatic Exterior Inspection will be conducted after the purchase of your new homeowner's insurance policy. Inspections could take place the very next day and no later than 60 days thereafter. The insurance company will be looking for safety hazards and maintenance issues that increase the odds of a claim, for example:

• Peeling Paint 
• Crumbling Stairs
• Missing handrails
• Missing Shingles
• Curling Shingles
• Trees Touching or Overhanging buildings.
• Clutter

• HOMEOWNERS CANCELLATION 
• After a homeowners insurance policy has two or more claims with in a 3-to-5-year time period the homeowner policy may be subject to cancellation. The homeowner's insurance policy may then be considered high risk and need to be switched to a different insurance company. The premiums could double or triple depending on the severity of the claims. In some cases, the coverage is limited compared to your standard homeowner's insurance policy.