Idaho Insurance: All Your Needs in One Place

Homeowners insurance in Idaho covers the following:

• Dwelling coverage: Covers your house and attached structures. It also covers items like plumbing, heating, permanently installed air conditioning systems, and electrical wiring.
• Other structures coverage: Protects other structures on the property such as detached garages, tool sheds, retaining walls, and so on. 
• Personal property coverage: Protects the contents of your home and other personal belongings owned by you or family members who live with you. 
• Loss of use coverage: Helps you with additional living expenses if your home is damaged by a covered peril (e.g., a fire) and you cannot live in your home while repairs are being made. It typically covers expenses like housing, meals, storage, and more, as long as they are in line with your usual living expenses. 
• Personal liability coverage: Provides coverage if you or a resident of your household is responsible for causing property damage or an injury to someone else. 

A local independent insurance agent can help you find homeowners insurance in Idaho. 

Car insurance is required by law for every driver in Idaho, yet the state still has a number of drivers who remain uninsured. 

• Uninsured drivers nationwide: 13%
• Uninsured drivers in Idaho: 8.2%

Fortunately, you can purchase uninsured motorist coverage in Idaho. It is not part of the mandatory minimum coverage in the state, but it's an important way to protect yourself from those who fail to purchase insurance.

If an uninsured driver hits you, uninsured motorist coverage will pay to fix your vehicle and handle your medical bills. You can also purchase underinsured motorist coverage in Idaho. It covers you if you’re in an accident and the at-fault driver does not have sufficient liability insurance to cover your injuries or property damage. 

Contact an independent auto insurance agent in Idaho to learn about all of your coverage options.  

No matter what kind of business you’re in, you can experience an unexpected fire, a break-in, or a weather event that damages your commercial property. 

And if you’re accused of harming someone else or damaging someone’s property as a result of your operations or your products, you can be expected to pay for property damage and medical expenses for the injured parties. It’s also quite common for businesses to be sued in these instances.

Business insurance in Idaho covers a wide range of costly problems like these. The policies and the amount of coverage you need depend on the type of business you’re in and the value of your inventory and assets. Most business owners in Idaho will need business property insurance, business interruption insurance, and general liability insurance at a minimum in order to properly protect their assets. 

In addition, if your business owns any vehicles or if you drive your personal vehicle for business purposes, you are required by law to purchase commercial vehicle insurance in Idaho.

And if you have employees, Idaho law requires you to purchase workers’ compensation insurance that protects workers who are injured on the job. 

Contact an independent business insurance agent in Idaho for the coverage you need. 

The workers’ compensation laws in Idaho require that all employers with one or more full-time, part-time, seasonal, or occasional employees maintain workers' compensation insurance unless specifically exempt from the law. Workers’ compensation is required to be in place before the first employee is hired.

The following are exempt from workers’ compensation coverage in Idaho:

• Employers of household domestic workers
• Family members living in the employer’s household (applies only to sole proprietorships)
• Owners of a sole proprietorship; working members of a partnership or LLC; individuals who are corporate officers and who own at least 10% of the stock and who are directors, if the corporation has directors
• Employees who are covered under federal workers’ compensation laws
• Pilots of agricultural spraying or dusting planes (under certain conditions)
• Associate real estate brokers and real estate salespersons when paid solely by commission
• Volunteer ski patrollers
• Officials of athletic contests in secondary schools only 
• Casual employees or work which occurs occasionally or at irregular times and which is not related to the type of business conducted by the employer

The workers’ compensation laws in Idaho also state that operating a business without workers’ compensation insurance is a misdemeanor and the employer may be subject to criminal penalties. If one of your employees is injured and you do not have workers’ compensation insurance in effect at the time of the injury, you can be personally liable for all benefits provided under the workers’ compensation laws in Idaho. 

Additional fines and penalties may apply.

The best way to ensure that you’re complying with the workers’ compensation laws in Idaho is to work with an independent insurance agent. 

Restaurant insurance in Idaho typically consists of a group of business insurance policies that respond to unexpected events that can cause a financial loss. Restaurant insurance in Idaho protects your business from things like fire, theft, vandalism, severe weather, worker injuries, accidents on your premises, and more. 

Most restaurants need a customized package of the following types of restaurant insurance in Idaho:

• Commercial property insurance
• General liability insurance
• Business interruption insurance
• Commercial vehicle insurance 
• Equipment breakdown coverage 
• Contamination and spoilage coverage
• Crime coverage
• Liquor liability insurance
• Workers’ compensation insurance

You may even need other restaurant insurance policies in Idaho that protect you from a variety of unique risks. It’s a good idea to work with an independent insurance agent in Idaho to help you find the best restaurant insurance. 

Commercial vehicle insurance in Idaho covers cars, trucks, and any other vehicles used in business operations. Similar to personal auto insurance, commercial vehicle insurance provides liability, collision, comprehensive, personal injury, uninsured and underinsured motorist coverage, and more for the business owner. 

Commercial vehicle insurance in Idaho must have the following types of coverage, at a minimum, for each business-owned vehicle:

• Bodily injury liability coverage: 
  • Pays for other drivers’ and passengers’ injuries when the policyholder is at fault in an accident. 
  • $25,000 per person and $50,000 per accident 
• Property damage liability coverage:
  • Pays for damage to someone else’s property when you are at fault for that damage.
  • $15,000 

Certain large vehicles, those that carry hazardous materials, and those that participate in interstate commerce may be required to carry higher liability limits. 

Contact an independent insurance agent in Idaho to learn more about your commercial vehicle insurance options. 

Umbrella insurance in Idaho works by providing excess liability coverage on top of the coverage provided in your other personal insurance policies. 

Liability insurance protects you when you or a covered family member causes some type of property damage or physical injury to another person. It pays for repairing or replacing damaged property of others. It also pays for medical expenses for injured parties, and it even pays your attorney fees, court costs, and any financial settlements or judgments that you have to pay if you are sued. 

Your car insurance, home insurance, renters insurance, condominium insurance, and boat insurance have liability coverage limits that are specified in the policy. If you’re sued, your policy limits may not be sufficient to cover a large financial settlement. 

Umbrella insurance in Idaho offers excess liability coverage that kicks in when the limits of an underlying policy have been exhausted. 

Renters occupy nearly 30% of homes in Idaho. When you’re a tenant in a rental property, you need protection from events that can damage your personal property. Your landlord’s insurance only covers the building you live in, not the contents of your rental unit that belong to you. 

Renters insurance in Idaho is a type of personal insurance policy that covers your personal belongings if they’re damaged or lost after events like fire, theft, or severe weather. It also protects you if someone is injured as a result of your negligence. 

Renters insurance is not required by law in Idaho, but your landlord may require you to have it as a condition of your lease. 

Talk to a local independent insurance agent to find renters insurance in Idaho

Life insurance in Idaho is an important way to protect your family’s financial security even after you’re gone. In general, life insurance pays a lump-sum death benefit to your beneficiaries in the event of your death. This money can help your family pay your debts, final expenses, and estate taxes. It can even be a source of inheritance for them. 

The two main types of life insurance available in Idaho are:  

• Term life insurance: Provides protection for a certain period of time (e.g., 10, 20 or 30 years) and is typically used to provide for some final expenses and income replacement for your dependents. 
• Permanent life insurance: Offers a long-term savings or investment component along with survivor death benefits. Permanent life insurance is a complex investment tool. The types of permanent life insurance that are typically available include universal life, whole life, variable universal life, and variable life. 

Contact an independent insurance agent to learn more about life insurance in Idaho.

Searching for the best and most affordable insurance products can be frustrating and confusing. That’s why it pays to have an experienced insurance professional in your corner.

Instead of getting an online quote, find an independent insurance agent in Idaho now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.  

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

Contact an agent today for a free, no-obligation consultation.