Idaho Homeowners Insurance

You might not live exactly like your parents. Why should you insure your home in the exact same manner? Whether you own a modern split-level in Boise or a cozy wood cabin in the Sawtooths, with a Farmers FlexSM Personal Home policy, choose quality coverage for your lifestyle today, with new ways to help you save.

What are the three basic types of home insurance coverage?

A standard homeowners insurance policy typically includes three major types of coverage: dwelling coverage, which helps pay to repair or rebuild your home if it’s damaged or destroyed by a covered, sudden, accidental event; personal property coverage, which helps pay to repair or replace your belongings; and liability coverage, which helps in case you're financially responsible for injury to others or damage to their property for incidents covered by the policy. 

Home Insurance Coverage Options in Idaho

The new Farmers FlexSM Personal Home policy in Idaho gives you three highly customizable packages as a starting point:

  • Standard - Basic coverage for an affordable price
  • Enhanced - Provides higher coverage limits and additional optional features
  • Premier - Coverage with higher limits and the broadest choice of optional features

Read more about other types of Home insurance coverage

Optional coverages

Within each Farmers Flex customizable package, you have the flexibility to adjust coverage types, select coverage options and choose policy limits.

Guaranteed Replacement Cost
Don’t worry about escalating construction costs – for covered losses, with Guaranteed Replacement Cost, we’ll guarantee coverage for the full cost to rebuild your home, even if it exceeds your policy limits.

This coverage pays to rebuild your damaged roof to enhanced standards to help resist severe storms.

Water Backup and Sump Overflow
This coverage can help pay to fix water damage caused by water backing up through drains and sumps.

Cyber and Identity Shield
Coverage for many forms of identity theft and cyberattacks, and monitoring services to help you prevent them from happening.

Emergency Mortgage Assistance
This option can provide three months of mortgage payments, up to $10,000, while your home is uninhabitable when you rebuild after a covered loss.

Home Businesses
If your house is more than just your home, get coverage for your home business, too.

Home Sharing
Coverage for renting part or all of your home through a home-sharing business.

Flex Features

When you purchase a policy with Farmers, you’re not just getting insurance backed by almost a century of experience. You can also get other benefits and savings, such as:

  • Declining Deductible
    Earn $50 toward your applicable deductible each year your home policy remains in force.

  • Multi-Policy Discount
    Save by purchasing Home, Auto and select other policies with Farmers.

  • Claim Forgiveness
    When you’ve been claim-free with Farmers for five years, we won’t increase your premium for a single claim.

Idaho home insurance discounts

Farmers Flex Personal Home also offers a variety of savings opportunities for our eligible home insurance customers in Idaho. For example:

Welcome Discount

Home Buyer Discount

Multi-Policy Discount

Theft Protection Discount

Loyalty Discount

Claim Free Discount

Fire Protection Discount

Water Protection Discount

You might qualify for additional discounts on your home insurance. Ask your Farmers agent about discounts available in Idaho.

This information provides only a general description of coverages and potential discounts. Not all products, coverages and discounts are available in every state and they can vary by state. Eligibility requirements can vary by state. Coverages and discounts are subject to the terms, limits, provisions, exclusions, restrictions and conditions in the policy including applicable endorsements. Contact Farmers for details and additional information.

View more coverage options in Idaho

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Auto insurance

Find minimum state requirements for auto insurance in Idaho, available discounts and more.

View car insurance details and discounts for Idaho

Learn From Experience

Read real-life stories about insurance, renovations, home safety and more from pros and homeowners like you.

In a Flash, Lightning Can Fry Every Appliance (and More) in a Home. But Saving Homes From Lightning Strikes Isn’t Impossible.

These homeowners saw expensive electronics zapped and meteor-sized holes appear in their yards after a lightning strike — just a few examples of the $900 million in damage lightning causes to homes in the U.S. every year.

There’s Meat in the Freezer and a Bear Outside. Will Home Insurance Cover Damage If He Breaks In?

It might be fun to watch wild animals from a safe distance, but it’s a different story when the carousing goes on inside your home. Even the cuddliest creatures can wreak havoc when no one’s looking.

Why Did My Homeowners Insurance Go Up?

You live in the same house, on the same block, in the same town as last year. So why would your home insurance premium go up?