Expertise.com

Best Homeowners Insurance Agencies in Boise

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Homeowners Insurance Agencies FAQs

Learn more
Associated Insurance Services logo
Visit WebsiteWebsite

License Verified:

License: 121437

Idaho Department of Insurance

Associated Insurance Services

2676 S Vista Ave, Boise, ID 83705
Visit WebsiteWebsite
  • Renter's Insurance
  • Flood
  • Homeowners

Business Description

Associated Insurance Services offers homeowners' insurance to residents of Boise. The insurance policy helps clients protect their personal properties from damages caused by disasters. It also includes medical coverage for injured visitors on the property. The agency also offers a wide range of personal and business insurance products, including auto, flood, boat, hotel, and commercial umbrella insurance. Associated Insurance Services' parent company, Associated Loggers Exchange, was founded by a group of logging and wood product hauling contractors in 1979.

License Verified:

License: 121437

Idaho Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (35)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Ballard & Co Inc Insurance logo
Visit WebsiteWebsite

Ballard & Co Inc Insurance

851 E Fairview Ave, Meridian, ID 83642
Visit WebsiteWebsite
  • Multiple Carriers
  • Personal Property Insurance

Business Description

Ballard & Co Inc Insurance is a family-owned and operated insurance brokerage in Meridian, Idaho. It works with Progressive, Metlife, and dozens of other insurance carriers. Founded by Sid Ballard in 1981, the agency provides home insurance to clients with traditional homes and condos throughout the Boise metro area. Policies generally deal with liability lawsuits, bodily injuries, and property damage, protecting clients from weather and other events with additional coverages available.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Boise Home & Flood logo
Visit WebsiteWebsite

Boise Home & Flood

894 E Boise Ave Ste. 100, Boise, ID 83706
Visit WebsiteWebsite
  • Multiple Carriers

Business Description

Boise Home & Flood offers insurance coverage to individuals in the metro. Its owner, Eric Jeglum, has been an agent for over 17 years and has served more than 2,500 clients. He helps customers and neighbors protect their most valuable assets through insurance plans and policies, including renters', condos, manufactured homes, rental property, and flood insurance. He also helps individuals insure mobile and vacation homes, secondary residences, and log cabins. Additional products include life, auto, and personal umbrella insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Christensen & Associates logo
Visit WebsiteWebsite

License Verified:

License: 30997

Idaho Department of Insurance

Christensen & Associates

6307 W Interchange Lane, Ste 100, Boise, ID 83709
Visit WebsiteWebsite
  • Landlords
  • Renter's Insurance
  • Homeowners

Business Description

Christensen & Associates is a locally owned and operated insurance agency based in Boise. It offers a wide range of insurance products, including auto, home, and life insurance. Its team of professionals helps clients select packages that suit their needs. Insurance options cover mobile homes, condos, and in-home businesses. Jan Christensen, the agency's CEO and president, possesses more than 40 years of experience in property and casualty insurance. He has been a recipient of the Safeco Award of Excellence for 34 consecutive years.

License Verified:

License: 30997

Idaho Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Collin Leino logo
Visit WebsiteWebsite

Collin Leino

4792 W Overland Road Suite 300, Boise, ID 83705
Visit WebsiteWebsite
  • Renter's Insurance
  • Multiple Policy Types
  • Homeowners

Business Description

Collin Leino has over a decade of experience in handling insurance concerns. He has been an agent for State Farm since 2012, and he serves clients in Boise and other communities in the Treasure Valley region. He handles insurance products for homes, automobiles, businesses, and pets. With over 20 years of combined experience among his team, additional types of policies available include life, health, and renters' insurance. Collin Leino also assists with annuities and banking.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (153)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Deb Williams Insurance logo
Visit WebsiteWebsite

Deb Williams Insurance

1112 5th St S, Nampa, ID 83651
Visit WebsiteWebsite
  • Multiple Policy Types
  • Homeowners

Business Description

Founded in 2008, Deb Williams Insurance is an independent insurance agency located in Nampa, Idaho, serving the Boise metro area. Specializing in insurance for homeowners, the agency is a broker for many carriers, including MetLife and The Hartford, which allows it to negotiate competitive rates for its clients. Typical home insurance will include coverage for its structure and associated buildings like a garage or shed, the home's contents, and liability coverage if a visitor is injured on the property.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (46)
Facebook
4.8 / 5 (40)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Edgar Insurance Agency logo
Visit WebsiteWebsite

Edgar Insurance Agency

4948 Kootenai St, Ste 103-B, Boise, ID 83705
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

Edgar Insurance Agency is a financial services company that caters to clients across the Boise metro. It provides homeowners with insurance solutions and educates clients on further protection options through liability and personal property coverage. The company offers renters insurance to help clients protect personal belongings. Its other insurance products include auto, motorcycle, and RV insurance. The company also deals with their clients' financial responsibility forms and maintains an online page where clients can check license status.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.1 / 5 (12)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Fuhriman Insurance Agency logo
Visit WebsiteWebsite

Fuhriman Insurance Agency

9603 W Chinden Blvd, Boise, ID 83714
Visit WebsiteWebsite
  • Renter's Insurance
  • Homeowners

Business Description

Fuhriman Insurance Agency is a Boise, Idaho, insurance agency that was founded in 1962 and caters to individuals and businesses. It offers homeowners and renters insurance, as well as policies for RVs and boats. The office also sells life, ATV, motorcycle, and auto insurance, plus pest control insurance for Idaho residents. Workers compensation and umbrella insurance are additional insurance services Fuhriman Insurance Agency offers so all areas of life are properly safeguarded.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (31)
Facebook
4.7 / 5 (17)
Yelp
2.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insure Idaho, LLC logo
Visit WebsiteWebsite

Insure Idaho, LLC

1693 S Spring Valley Ln Ste 200, Meridian, ID 83642
Visit WebsiteWebsite
  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood
  • Homeowners

Business Description

Insure Idaho LLC in Meridian, Idaho, is a full-service and family-owned independent insurance agency that sells home insurance throughout the Boise metro, Treasure Valley, and Idaho. The agency tailors its quotes for home insurance by tweaking such things as deductibles, previous claims, occupation, type of roof and siding, and updates. Insure Idaho provides cost-effective coverage for individuals, families, and businesses through its partnerships with over 27 insurance carriers, including Safeco, Travelers and Metlife. Additionally, Insure Idaho specializes in Commercial General Liability, Commercial Property and Work Comp Insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Jim Waters Insurance logo
Visit WebsiteWebsite

Jim Waters Insurance

Nampa, ID 83686
Visit WebsiteWebsite
  • Renter's Insurance
  • Condos
  • Flood
  • Personal Property Insurance
  • Homeowners
  • Landlords

Business Description

Jim Waters Insurance is located in Nampa, Idaho, and serves residents in surrounding areas, including Boise. Since 1984, the agency helps clients secure and maintain home insurance policies through companies like Progressive, Safeco, and Austin Mutual. Home insurance policies provide property, liability, medical payments coverage. Insurance plans protect owners of homes and condominiums, along with renters, against damage to the home or personal belongings due to natural disasters. Additionally, Jim Waters Insurance offers auto, boat, motorcycle, and umbrella insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.2 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
March Insurance Group logo
Visit WebsiteWebsite

March Insurance Group

1036 E Iron Eagle Dr Ste 120, Eagle, ID 83616
Visit WebsiteWebsite
  • Renter's Insurance
  • Condos
  • Personal Property Insurance
  • Homeowners
  • Landlords

Business Description

March Insurance Group is a locally owned insurance broker based in Eagle, Idaho. Licensed specialists help homeowners throughout Idaho and Oregon state find policies that protect their homes, valuables, and families. The group offers custom packages to fit any home type and style, from houses in an Eagle area subdivision to lakeside cabins in McCall and family farms in Kuna. Other home protection options include renters, condo, dwelling, ranch, and landlord insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Midtowne Insurance Agency logo
Visit WebsiteWebsite

Midtowne Insurance Agency

6618 Cleveland Blvd Ste A, Caldwell, ID 83607
Visit WebsiteWebsite
  • Renter's Insurance
  • Condos
  • Flood
  • Homeowners
  • Landlords

Business Description

Founded in 1995, Midtowne Insurance Agency is an independent insurance company located in the Boise, Idaho, metro area. Home coverage specialists research coverage options and rates from top insurance carriers to help clients get the best policies at competitive prices. Choices include property and dwelling policies that cover home repair and replacement costs, items in the house, and other buildings on the property, such as detached garages and sheds, medical liabilities, and additional living expenses following a loss.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Randy Klein logo
Visit WebsiteWebsite

License Verified:

License: 77203

Idaho Department of Insurance

Randy Klein

1108 W BOISE AVE SUITE 102, BOISE, ID 83706
Visit WebsiteWebsite
  • Renter's Insurance

Business Description

Randy Klein is a State Farm insurance agent who serves clients in Boise and the surrounding areas. He offers a homeowners' insurance policy that covers losses and damages to an individual's residence, including furnishings and other assets. Klein has more than 30 years of experience with State Farm, focusing on auto, life, and financial services. He also offers an assortment of insurance products that include baking, annuities, and mutual funds. Klein is an Ambassadors for Life National Convention qualifier.

License Verified:

License: 77203

Idaho Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (122)
Richardson Insurance Services, Inc logo
Visit WebsiteWebsite

Richardson Insurance Services, Inc

940 E Carol St, Meridian, ID 83646
Visit WebsiteWebsite
  • Renter's Insurance
  • Condos
  • Earthquake
  • Flood
  • Personal Property Insurance
  • Homeowners

Business Description

Founded in 1988, Richardson Insurance Services Inc. assists clients in the Boise, Idaho, metro area with home insurance policies, helping them to procure coverage for structures, personal property, liability, medical expenses, and living expenses. It also educates clients on special coverages they may need, such as flood and earthquake protections, which are not included in standard policies, as well as jewelry floaters. Auto insurance services can be purchased also, and if desired, combined with home insurance coverage under an umbrella policy.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (59)
Facebook
4.5 / 5 (11)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Three Rivers Insurance logo
Visit WebsiteWebsite

Three Rivers Insurance

10159 W Overland Rd, Boise, ID 83709
Visit WebsiteWebsite
  • Earthquake
  • Fire
  • Flood
  • Multiple Carriers
  • Multiple Policy Types
  • Homeowners

Business Description

Three Rivers Insurance is an insurance company based in Boise, Idaho, with three additional offices across the state. The locally owned and operated agency provides insurance coverage including homeowners liability, property insurance, renters insurance, and condo and mobile home insurance. Its insurance specialists help clients to coordinate programs that determine the best coverage for their specific needs. The company's additional personal insurance products also include identity theft, umbrella insurance, and data backup.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.9 / 5 (73)
Google
5.0 / 5 (16)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs