Boise Home & Flood Insurance

Yes, that is correct! Traditional policies excluding flooding. I'm talking about the river that overflows, hurricanes, tornadoes and the like. It is your responsibility to obtain and pay for the flood insurance policy. If you live in a mandated flood zone. When you purchase your home the lender will require a flood policy in force before they will finalize the loan. But some residents live in a zone where it is not required by the lender. In that case you may still live in a flood zone and it could be wise to consider the purchase of a policy.

If you own a home, condo, town home and rent it out. The policy you need for coverage is a landlords. Call our office today. Our staff will help you with a plan that covers your investment and fits in your budget.

Make sure your renters have a renters insurance plan. We recommend you make it part of the lease agreement. This ensures if an accident happens. Your not liable for their possessions.

Manufactured and mobile home is a synonymous term. These properties are typically built somewhere in a factory and then moved to a location. They sometimes can be put on a foundation as well. If sited on a foundation you may be able to purchase a typical home owners type of policy. We will let you know how your policy works don't worry. But not all of the insurance companies continue to offer this type of plan. Some, will not offer coverage if the property is over a certain age as an example. Due to the increased risk and the materials used at that time to build the structure.