Homeowners Insurance in Post Falls, ID

Why you need coverage, which types are included, and more in Post Falls, ID.

Luxury home on the Spokane River in Idaho. Find Post Falls, Idaho home insurance.

Post Falls, ID comes with higher house and condo values than the state. Houses and condos in Post Falls currently average $257,145. Consider a homeowners insurance policy to better protect your home and property against many types of disasters.

An independent insurance agent in Post Falls, ID can help you get protected with the right type of home insurance. They'll make sure you walk away with all the coverage you need. But for starters, here's a breakdown of homeowners insurance in Post Falls, ID. 

What Is Homeowners Insurance?

Homeowners insurance is designed to cover your home's structure, personal belongings, and liabilities. Your family members and other home inhabitants can also be protected by homeowners insurance. Standard policies cover common property perils like lightning, fire, theft, vandalism, certain types of water damage, and more.

What Does Homeowners Insurance Cover in Post Falls, ID?

Standard homeowners insurance policies come with protection for different aspects of the home. These include:

  • Dwelling coverage: Covers the home's structure against many perils like fire, falling objects, vandalism, etc.
  • Contents coverage: Covers the contents or your personal property, such as furniture, against many perils like theft, fire, etc.
  • Liability coverage: Covers you in case of third-party lawsuits for bodily injury or property damage claims.
  • Additional living expenses: Covers you in case of extra costs related to staying somewhere else while your home undergoes extensive repairs. 

Your local independent insurance agent in Post Falls, ID can help your home get equipped with all its coverages in a comprehensive homeowners insurance policy.

What's Not Covered by Homeowners Insurance in Post Falls, ID?

Homeowners insurance comes with its own set of exclusions just like any other type of policy. Coverage does not include protection for:

  • Flooding from natural water sources
  • Earthquake damage
  • Malicious or intentional acts
  • War or nuclear fallout damage
  • Insect, termite, or other pest infestation

Separate flood insurance and earthquake insurance coverage are required to protect your home against natural disasters, including water damage from storms like hurricanes. Your Post Falls, ID independent insurance agent can help your home get all its protection, even adding more coverage to an existing policy.


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How Much Does Homeowners Insurance Cost in Post Falls, ID?

Homeowners insurance in Post Falls, ID is considerably cheaper than the national average. Residents in Idaho pay an average of $730 per year, versus the overall US average of $1,211 annually. Idaho as a whole actually ranks as the state with the second-lowest average home insurance premiums in the nation.

The Most Common Home Disasters in Post Falls, ID

Post Falls, ID is not without its disasters. Homes in this city are especially prone to:

  1. Wildfires and residential fires
  2. Flooding and water damage
  3. Severe storms and lightning damage
  4. Earthquakes and tremors
  5. Burglary and other property crimes

Since Idaho is prone to both flooding disasters and earthquakes, make sure to talk with your independent insurance agent about getting flood insurance and earthquake insurance if you haven't already. Otherwise, homeowners insurance provides coverage for most of these top disasters in Post Falls, including burglary, fires, lightning, and more. 

Cheap Homeowners Insurance Near Me

Cheap price tags on homeowners insurance can be extremely tempting, but it can be worth it to shell out a bit more for a quality policy. 

Why it can be worth it to pay more for homeowners insurance:

  • Trustworthy coverage is the priority: While not always true, sometimes more reliable insurance carriers charge more for their coverage than the no-names. Regardless, make sure to check existing customer reviews for a carrier before purchasing their home insurance.
  • High coverage limits help cover claims: You might have to pay more for higher coverage limits, but it can be worth it if your policy is able to pay a whole claim amount when you need it to. Cheaper policies with lower coverage limits might not cover an entire claim after a hefty disaster.
  • Lower deductibles can mean more expenses: Cheaper policies often come with higher deductible amounts, which means you'd have to pay more out of pocket if you needed to file a claim. It can be worth the tradeoff to opt for a policy with a higher monthly or yearly premium and a lower deductible.

Your Post Falls, ID independent insurance agent can help you find quality coverage in your area that's still affordable.

Who Are the Best Homeowners Insurance Companies in Post Falls, ID?

Though you can find homeowners insurance from many carriers in Post Falls, ID, we'd recommend starting here.

Top Homeowners Insurance Companies in Post Falls, ID Star Rating
Central Insurance
5 star rating
5 star rating
5 star rating
5 star rating
4.5/5 star rating

Why Work with an Independent Insurance Agent in Post Falls, ID?

There's no such thing as a one-size-fits-all homeowners insurance policy. With a wide variety of products and options at your disposal, you can put together a solid home insurance package that's custom-built for you and your family.

Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best homeowners insurance companies in Idaho to find you the right coverage at a great price.

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TrustedChoice.com Article | Reviewed by Paul Martin

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