Types of Coverage for Idaho Home Insurance
Having the right homeowners coverage in place is key to recovering from the unexpected. Here are some common events a homeowners policy in Idaho covers:
- Falling objects
- Frozen interior plumbing
- Water damage from plumbing, heating or cooling system
- Weight of ice, snow or sleet
Finding the best coverage to protect your home starts with understanding your options. Here are some common coverages to get familiar with:
Coverage A: Dwelling
Pays to rebuild or repair your home.
Coverage B: Other Structures
Pays for damage to other, detached structures on your property such as garages, gazebos, sheds and fences.
Coverage C: Personal Property
Covers your personal belongings, including furniture, clothing and appliances, if they are stolen, damaged or destroyed.
Coverage D: Loss of Use
Pays for additional living expenses if your home is uninhabitable due to a covered loss.
Coverage E: Personal Liability
Protects you against financial loss if you are sued and found legally responsible for someone else’s injury or property damage.
Coverage F: Medical Expense
Covers medical payments to others, injured on or off your property, regardless of your legal responsibility.
Optional Coverages for Idaho
We also offer a variety of optional coverages you can purchase to better protect your home — often at an affordable price. For instance, if you live in Idaho you might want to consider adding some of the following coverages.
Idaho Home Insurance for Flooding
Your standard homeowners policy doesn’t cover damage to the structure of your home or your personal property if damaged by flooding. American Family offers flood insurance from the National Flood Insurance Program. This coverage will protect your home and its foundation, your personal belongings and everything else that makes your house a home. Whether you live in a flood zone or not, it’s a good idea to have this coverage.
View Flooding Insurance >
Idaho Home Insurance for Earthquakes
Did you know damage from earthquakes isn’t covered on your homeowners policy? Albeit mostly low-level, residents of Idaho experience hundreds of earthquakes a year! Whether the seismic hazard average is low, medium or high, having earthquake coverage is a great idea to protect your home’s structure and personal property.
View Earthquake Coverage >