Idaho Homeowners Insurance

Here at Guzman Insurance Agency, we are an Idaho insurance broker. We have an office in Pocatello Idaho and a remote office in Burley Idaho. We offer local, regional, national and worldwide Insurance companies. When shopping for your car insurance we ask more questions than your typical agency. These questions help us fill out the application 100% right the first time. It also helps us apply discounts we otherwise may have missed. Our goal is to find you the best price, coverage, service, Ez of doing business and peace of mind.

 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 or within the next 60 days. Insurance companies like to see pride of homeownership. The insurance company will be looking for safety hazards and maintenance issues that may increase the odds of you filing a claim. 

• The inspector will look for:
• Peeling Paint 
• Crumbling Stairs
• Missing handrails
• Missing Shingles
• Curling Shingles
• Trees Touching or Overhanging buildings.
• Clutter

• Filing to many claims on your homeowner's Insurance policy. 
• 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.

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.