Home insurance
Home insurance experts, licensed nationwide.
Over 20 years of competitive homeowners rates for Montpelier, southeast Idaho, and homeowners nationwide.
Idaho is one of the more affordable states for home insurance in the U.S. — typically well below the national average. Low population density, no coastal exposure, and relatively few catastrophic-loss events keep premiums reasonable, though rates have been climbing as wildfire and rebuild costs rise.
As an independent agency we shop the whole ecosystem to find the best coverage at the best price, and we re-check the market at renewal so your rate doesn't quietly drift upward. Have something unusual in mind? We're happy to build a custom quote.
What we cover
- Dwelling and other structures — barns, shops, detached garages
- Personal property, with scheduled coverage for high-value items
- Personal liability and medical payments for guests
- Loss of use while your home is being repaired
- Wildfire, wind, hail, and water backup endorsements
- Renters and vacation-home policies
What neighbors say
Sharp Insurance is great! Jared and his son are reliable and good at their job. I would recommend them to anyone looking for a new insurance agent!
Sharp Insurance is phenomenal to work with! They are so kind and go above and beyond to help you.
Sharp Insurance has always gone above and beyond for our family. Their team is quick to communicate and proactive in finding the best options.
Let's price your home coverage.
Send your current declarations page and we'll compare it against 20+ carriers.