Home Insurance

Your home is likely your biggest investment. Borgman Agency helps Boise and Treasure Valley homeowners find the right coverage at a price that makes sense — shopping across Travelers, Liberty Mutual, Stillwater, Nationwide, Mutual of Enumclaw, and more to find the best fit for your home, your neighborhood, and your budget.

What Does Homeowners Insurance Cover?

A standard HO-3 homeowners policy in Idaho typically includes the following coverage types. Every policy has its own terms, conditions, and exclusions — we'll walk you through exactly what yours covers.

• Dwelling coverage (Coverage A): Pays to repair or rebuild the structure of your home after a covered event such as fire, windstorm, lightning, or wildfire
• Other structures (Coverage B): Covers detached garages, fences, and sheds
• Personal property (Coverage C): Replaces your belongings — furniture, electronics, clothing — after theft or a covered loss
• Loss of use (Coverage D): Pays for hotel, meals, and temporary housing if your home becomes uninhabitable after a covered loss
• Personal liability (Coverage E): Covers legal costs and damages if someone is injured on your property
• Medical payments (Coverage F): Pays a guest's medical bills after an injury on your property, regardless of fault

What Boise Homeowners Should Know About Wildfire Risk

Idaho ranks among the top states in the country for wildfire risk exposure. Ada County — home to Boise — faces meaningful wildfire exposure, particularly in areas near the Foothills. As a result, some carriers have tightened underwriting in higher-risk ZIP codes. As independent agents, we have access to multiple carriers and can help you find solid coverage even in higher-risk areas. We'll also advise you on wildfire mitigation steps — such as Class A roofing or cleared defensible space — that may improve your eligibility and options.

How Much Does Home Insurance Cost in Boise?

Homeowners insurance rates vary based on your home's age, construction, location, and the coverage limits you select. Idaho has historically been among the more affordable states for homeowners insurance, though rates have been rising in recent years due to wildfire reinsurance costs and inflation. The best way to know your actual rate is to compare quotes across carriers — which is exactly what we do for you.

What's NOT Covered by a Standard Policy?

Every homeowners policy has exclusions. Common ones include:

• Flood damage — requires a separate NFIP or private flood policy, especially relevant near the Boise River
• Normal wear and tear or maintenance issues
• Sewer backup — available as an add-on endorsement on most policies

Carriers we use for this line

Frequently Asked Questions