Frequently Asked Questions

Here in our Pocatello office we ask more questions than most insurance agencies. From our experience, taking a few extra minutes over the phone can help find additional discount and make sure you are adequately insured. We have around fifteen homeowners insurance options. We have Local, Regional, National and Worldwide Insurance Companies. 

Insurance companies classify homeowners Insurance policies by High Risk, Standard Risk, Preferred Risk, and Ultra Low Risk. Here are some of the things they may consider when determining where your account qualifies: 

• Scoring
• Insurance Bureau Score 
• Credit Score (Promotional Inquiry)
• Stability Score
• Fraud Score
• Protection Class 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 hand Rails
• 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

• POTENTIOAL CACELLATION 
• After a homeowners insurance policy has two or more claims with in a 3-to-5-year time period the homeowner's policy may then be considered high risk. The homeowner's insurance policy may then need to be switched to a high-risk carrier. The premiums could triple depending on the severity of the claims. In some cases, the insurance company may offer higher deductibles or exclude certain coverages to mitigate certain types of claims.