Idaho Home Insurance – What Isn’t Covered?

Idaho home insurance probably isn’t at the top of your list of priorities. But what would happen if a flood, earthquake or other disaster should destroy your home and you learn that your Idaho home insurance policy doesn’t cover it?

Don’t let that happen. This article will help you learn exactly what Idaho home insurance covers—and what it doesn’t.

What Home Insurance Covers

Idaho home insurance covers a wide range of perils. In addition to liability coverage, standard Idaho home insurance policies protect your belongings and your home against damage caused by the following disasters:

• Rain, snow, hail and other storms
• Tornadoes
• Fire
• Lightning

Sheds and other structures on the property are covered. Identity theft coverage, a relatively new addition to home insurance, may also be included.

What It Excludes

Since Idaho home insurance can’t safeguard your home from every disaster imaginable, you must purchase additional coverage for these perils:

• Sewage backup
• Aggressive dog breeds (Pit bulls, Doberman Pinschers)
• Floods
• Earthquakes
• Luxury items (usually covered up to $1,500)

An exhaustive list of exclusions can be found in InsWeb’s 10 Perils Home Insurance Won’t Cover.

Winter Storms

Severe winter storms are a reality for Idaho homeowners. Storms like the 1961 ice storm that struck Idaho can damage or destroy homes in a flash. Fortunately, Idaho home insurance covers for winter storm damage, including ice, rain and snow damage.

Find cheap Idaho home insurance by shopping around for home insurance quotes with InsWeb.