Protection You Deserve
Are you looking for home insurance in Post Falls, ID? Post Falls has a population of 44,192 as of 2022, and it’s a popular place to hike, golf and rock climb. Post Falls Idaho is one of the fastest growing regions in Idaho. Residents can also enjoy luxurious shopping and fine dining. About 68 percent of the residences in Post Falls are owned by homeowners, and if you’re one of those homeowners, you should have a good homeowners insurance policy. Let’s take a look at what’s included in home insurance coverage.
Home Insurance in Post Falls
Homeowners insurance includes various coverages that help financially protect homeowners from various covered losses. The most common types of losses include burglary or theft, vandalism and fires.
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Personal Property
Your home insurance or homeowners insurance policy covers your personal property, which typically includes your clothing, electronics, furniture and lawn care equipment. It even covers jewelry and collections up to a certain dollar amount. If any of your personal property is damaged by a covered event, your homeowners insurance is designed to help pay for the replacements.
Personal Liability
Homeowners insurance policies typically cover liability claims. These types of claims may occur if a third party is injured or their property is damaged while visiting your home. These are people who don’t live at your house. Your personal liability coverage may also include medical payments, which help pay the costs of any medical services that may be needed.
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Dwelling Coverage
Your dwelling coverage covers the physical house, which can include the garage if the garage is fully attached to the home. If a covered event damages or destroys your home, this coverage helps pay for the repairs or the replacement of the house.
Outbuilding Coverage
Outbuilding coverage or other structures coverage helps pay for repairs or the replacement of any other structures that may be on your property. Common buildings that many homeowners have on their properties include detached garages, sheds, playhouses, greenhouses and gazebos.
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Additional Living Expenses
If your home is damaged so severely that you cannot live in it until it’s repaired, rebuilt or replaced, your homeowners insurance policy may be able to help you pay for additional living expenses. These expenses could be nights in a hotel, getting a temporary rental home, food expenses and boarding your pet. You may also be able to recoup laundry expenses and extra utility expenses.
Optional Coverages
Some homeowners insurance policies include debris removal, landscaping replacement and credit card coverage. However, it’s important to ask if these things are included in your homeowners insurance policy.
- Debris Removal – If there is debris that needs to be removed from your property after a covered event, your homeowners insurance policy will typically include some coverage.
- Landscaping Coverage – If your plants and trees were damaged, your homeowners insurance policy will typically have some coverage for removal and replacement.
- Lost/Stolen Credit Cards – if your credit cards are stolen and unauthorized charges are incurred, your homeowners policy may include some coverage for this type of event.
- Sewer Backup – Sewer backup is not typically covered on a homeowners insurance policy. However, homeowners can ask about adding this coverage to their policy.
Homeowners Insurance Exclusions
It’s important to understand that homeowners insurance typically does not cover floods, earthquakes, landslides or mudflows. Homeowners can purchase separate policies to cover floods and earthquakes. To cover earth movement, like landslides and mudflows, homeowners should look into getting a “Difference in Conditions” policy.
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How to Get Affordable Homeowners Insurance
If you’re worried about the cost of a homeowners insurance policy, there are steps you can take to make sure that you get the best possible price.
- Make Sure Your Deductible Is Accurate – Your homeowners insurance deductible should be something you can always afford, but low deductibles often result in high monthly premiums.
- Make Sure Your Home Insurance Is Accurate – The price you paid for your home may not be the money needed to rebuild your home if it were a total loss. Make sure the limits on your policy are accurate so that you receive the right coverage at the right price.
- Check Your Credit Score – If your premiums have increased for seemingly no reason, it might be your credit score.
- Get More Than One Policy With the Same Insurer – This is sometimes referred to as a multi-line discount or bundling. Common bundles include homeowners or renters insurance along with car insurance.
- Compare Insurance Prices – Another way to save money is to compare the prices of insurance from multiple carriers. Different insurance carriers underwrite policies differently, which can result in different premium amounts.
Getting Homeowners Insurance in Post Falls with Help from Boyd Insurance Brokerage Inc.
Boyd Insurance Brokerage Inc. can help you find the right policy for your needs in Post Falls. We have the ability to look through hundreds of policies from multiple carriers, including Progressive, Liberty Mutual and Safeco, in order to find you the best possible coverage at a price you can afford. We can also help you find farm insurance policies and renters insurance policies.
