Home Insurance Quote
HOME INSURANCE COVERAGE & RATES
You’re at the right place. We’ll help you find the best rates and coverage available by shopping multiple companies to find you the best policy. At Financial Insurance Group, you get the cheapest price for homeowners insurance without sacrificing great local service. Protect your home and family. Give us a call today.
Reaching the status of a homeowner is a wonderful achievement. Take the next step in that responsibility and protect yourself with the best homeowners insurance in Boise. You need the right protection at the right price, right now. Build up a net of financial security around the property by coming into our office and speaking with one of our experts. We would love the pleasure of your company and will help you find the best deals around.
Homeowner’s insurance is a policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory.
Which Type do you Need?
Shop multiple carriers to get the best home insurance policy for you. A basic Idaho homeowner’s insurance policy will cover:
- The structure of your home
- Replacement costs
- Personal possessions (up to a designated limit)
- Living expenses in case of disaster
In addition, supplemental policies can benefit the homeowner even more by adding to theiR protection. These policies can include:
- Valuable articles/floaters (i.e. Jewelry Insurance)
- Umbrella (additional liability)
- Animal liability
Renters insurance acts as a homeowners insurance policy for those who rent their place of residence. A landlord’s policy covers only the physical structure of the rental property, not your belongings. Having renter’s insurance can help devoid costs of damages should anything happen to a rental property that you are living in.
Condominiums and Townhouses
If you own a townhouse or condo, you have different insurance needs than the typical homeowner. Although your association dues help pay for upkeep of the common areas, they do not typically cover your personal property within your own unit, or your liability if someone is injured on your property. Condominium insurance provides protection where condo associations do not.
Mobile home insurance, or manufactured home insurance, not only covers your mobile home itself. It can also cover:
- Detached structures such as a shed or garage
- Personal belongings
- Living expenses if your homes is severely damaged (by a covered loss)
- Injuries that might occur on your property (up to a designated limit)
Farms and Ranches
Our farm/ranch insurance policies provide broad, flexible coverage that addresses both your personal and commercial farming demands.These policies can be tailored and expanded to match your exact needs and can include a combination of these basic coverages:
- Property: covers farm-related buildings (including residence)
- Inland Marine: covers machinery and equipment
- Liability: protects against damage or injury
- Umbrella: provides a higher level of liability protection
- Combination: bundle stand-alone coverages into a single package
If you’re renting out a house, you may not have as much covered as you think. In case of a fire, it is important to have the right coverage. Dwelling fire insurance is specifically designed to protect landlords from losing rental income as a result of fire. In most cases, this coverage will provide you with a year’s worth of rental income, providing you the time and resources to rebuild and rent.