Lewiston Homeowners Insurance

Around 34,000 people live in Lewiston, Idaho. If you are among the property owners in this Coeur d’Alene suburb, you will want to be sure to protect the investment you have made in your house by buying a good homeowners insurance policy.

Independent insurance agents are available to help you find the best and most affordable coverage for your Lewiston home. Find an independent insurance agent near you to get answers to your policy-related questions and to start comparing a selection of customized homeowners insurance quotes.

How Much Does Homeowners Insurance Cost in Lewiston, ID?

The average cost of homeowners insurance in the state of Idaho is much lower than the national average. This is great news for area homeowners who are looking for an inexpensive policy.

• National average yearly premium: $1,211
• Idaho average yearly premium: $730

Your actual homeowners insurance cost is likely to differ from the average rate mentioned above because rates are calculated on a case-by-case basis. Insurance companies will take several factors into consideration such as the following.

• The age, size, and value of your house
• The type of home you are insuring (e.g., single-family detached house, condo, mobile home, rental property, etc.)
• The number of stories your house has
• The crime rate and weather risks where your house is located
• Your claims history and credit score
• The size of your deductible
• Whether you are bundling your coverage with other policies like car insurance or ATV insurance

Every insurance company has its own method for computing rates. Comparing a variety of quotes lets you choose the policy that offers the coverage you want at the most affordable price.

What Kinds of Damaging Events Are Covered by Lewiston Home Insurance?

Your homeowners insurance is designed to pay for repair or replacement costs if your property is lost or damaged by a covered event.

Unless you have purchased a named-peril policy (where you have to specify the types of hazards to want coverage against), you can expect your homeowners insurance to cover against the following.

• Severe storms, such as thunderstorms, windstorms, and microbursts
• Falling objects, such as hailstones and uprooted trees
• Damaging winter weather, such as blizzards, heavy snows, and ice accumulation
• Fires, such as accidental fires, lightning-induced fires, and wildfires
• Property crimes, such as burglary and vandalism

Dwelling insurance covers the structure of your house while contents insurance covers your personal property. You will want to be sure to have enough coverage in each category to enable you to fully repair, rebuild, or replace damaged property following a disaster.

What about Coverage against Floods?

Homeowners insurance does not cover flood damage. Unfortunately, FloodFactor has identified nearly 2,000 homes and businesses in this city that are at risk for flooding. This is 13% of all Lewiston properties.

That is why you may find it extremely beneficial to supplement your home insurance with a flood insurance policy. Affordable policies are available through the National Flood Insurance Program (NFIP), a program that is administered by FEMA.

Flood insurance policies take 30 days to go into effect so do not wait until heavy rains are imminent to buy coverage.

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What Is Loss of Use Insurance?

If a disaster like a hurricane or a lightning strike renders your home uninhabitable until repairs are made, loss of use insurance can help.

Loss of use insurance is a standard part of your homeowners insurance policy. If you are displaced from your home due to a covered event, this insurance can cover the cost of necessities.

• Accommodations
• Meals
• Temporary storage facilities
• Added mileage to get to and from work
• Pet boarding
• Moving costs

This coverage can continue until you are able to safely return to your home or until you have purchased an alternate home to move into.

Why Is Liability Insurance Important for Lewiston Homeowners?

Liability insurance is a standard part of every home insurance policy. It can save you from large financial losses by covering expenses like legal fees, settlements, and judgements if you or someone in your household is unintentionally responsible for injuries or property damage to others.

The Insurance Information Institute (III) reports that nearly one third of all homeowners liability insurance claims are due to dog bites, and the average cost of a dog bite liability claim exceeds $50,000.

Here are other things your homeowners liability insurance can cover against.

• Injuries sustained by visitors on your property for which you can be held accountable
• Unintentional injuries to someone else caused by you or a member of your household while away from home
• Accidental property damage caused to others by you or a member of your household
• Accusations of libel or slander

Most insurance companies offer between $100,000 and $300,000 in homeowners liability coverage. If you want to have more coverage than your policy can offer, you can also purchase an umbrella insurance policy. This is an affordable way to boost all of your personal liability coverage.

Does Lewiston Homeowners Insurance Cover against Burglaries?

The burglary rate in Idaho is lower than the national rate. Unfortunately, in Lewiston, rate is higher. Residents of this town report around 150 burglaries a year.

• Number of burglaries per 1,000 homes in the US: 3.76
• Number of burglaries per 1,000 homes in Idaho: 2.82
• Number of burglaries per 1,000 homes in Lewiston: 4.40

If your house is targeted by burglars, you may gain some peace of mind from knowing that your home insurance can reimburse you for your property losses as well as for any damage the burglars may have done to your home. You will need to have a copy of the police report when you file your claim.

If your home is equipped with a burglar alarm or other theft-deterring device, you may qualify for a discount on your homeowners insurance rates.

Why Work with an Independent Insurance Agent?

The easiest way to find the best and most affordable coverage for your Lewiston home is by working a local independent agent.

Independent agents work for you, not for a specific insurance company. This enables them to request customized quotes from a few competing insurance providers so ensure that you are getting the coverage you want at a reasonable price.

Discover the many advantages of working with an independent agent. Schedule an obligation-free consultation with an independent insurance agent near you today.