Home insurance requirements in Idaho

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Minimum mandatory home insurance in Idaho

Idaho doesn’t have homeowners insurance requirements. However, some lenders may ask you to buy coverage as a loan stipulation (Insurance Information Institute).

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Standard home insurance coverages for Idaho residents

The following coverages are typically included in a standard homeowners insurance policy.

Mudslides, Landslides, & Earthquakes

How does homeowners insurance cover landslides, mudflows, earthquakes and geophysical events? Keep reading to find out.

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Optional add-on homeowners coverages

Adding optional coverages to your homeowners insurance may be especially helpful if your home is at risk for events like flash floods, which are not typically covered by standard policies. They add an additional layer of protection from unexpected losses.

The information on this webpage represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions. We are not responsible for the content of any third-party sites that may be linked in this article.

References

Insurance Information Institute. (n.d.) Can I own a home without homeowners insurance? https://www.iii.org/article/can-i-own-home-without-homeowners-insurance