Idaho insurance
Idaho insurance from an agency that actually lives here.
Our office sits on Washington Street in Montpelier. We write auto, home, farm and ranch, business, and life coverage across all 44 Idaho counties.
Idaho is a mix of high desert, mountain valleys, and irrigated farm ground — and premiums move accordingly. A home in Bear Lake County carries a very different wildfire and winter-load profile than one in Ada County, and the carriers that price each one competitively are rarely the same company.
Because we're independent, we're not defending one carrier's rate card. We put your address, vehicles, buildings, and history in front of more than 20 A-rated companies and bring back the options side by side, in plain English.
Idaho's minimum auto liability is 25/50/15 — enough to satisfy the state, rarely enough to protect a house and a retirement account. We start with what you own, then set limits that stand between an accident and your savings.
Coverage we write in Idaho
- Auto, truck, RV, boat, motorcycle, ATV, and snowmobile
- Homeowners, renters, condo, and seasonal or cabin properties
- Farm and ranch — outbuildings, machinery, livestock, and farm liability
- Commercial general liability, property, and Idaho workers' compensation
- Pet and livestock mortality coverage
- Term and whole life, plus final expense
- SR-22 filings for Idaho drivers
- Umbrella liability layered over auto, home, and farm
What Idaho drivers and owners should know
Idaho auto minimums are 25/50/15
$25,000 bodily injury per person, $50,000 per accident, $15,000 property damage. Uninsured motorist coverage is offered and must be rejected in writing — we recommend keeping it.
Wildfire and brush scoring
Carriers score Idaho properties on wildfire risk. Defensible space, roof material, and access road width can change both eligibility and price. We know which carriers stay open in scored areas.
Snow load and freeze losses
Winter claims in eastern Idaho are dominated by frozen pipes and roof collapse. Check that your policy includes water backup and doesn't exclude collapse on outbuildings.
Workers' comp is a private market
Idaho uses a competitive private market with the Idaho State Insurance Fund as one option — meaning we can shop your class code rather than accept a single quote.
Communities we serve in Idaho
We work with clients across the entire state — these are simply the towns we hear from most. Everything can be handled by phone, email, or secure upload.
- Montpelier
- Paris
- Soda Springs
- Preston
- Pocatello
- Idaho Falls
- Rexburg
- Blackfoot
- Twin Falls
- Boise
- Meridian
- Driggs
Your Idaho contact
Jared handles Idaho accounts directly.
Office hours: Monday–Friday, 9am–5pm Mountain Time · 868 Washington Street, Montpelier, Idaho 83254
Idaho insurance questions, answered
The questions we hear most from Idaho clients — answered plainly by a licensed independent agent.
Ready for a second opinion on your Idaho policy?
Upload your current declarations page securely on the quote form and we'll tell you honestly whether we can beat it.