Get the best coverage and rates for your home with Redding Insurance

If you’re like most homeowners in Idaho, your home is your most valuable asset, and should be protected as such. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands the importance of the place you call home.

*Note: if you are looking for homeowners insurance for a rental property, or home that is un-occupied, you cannot use traditional homeowners insurance. You need a “specialty dwelling” policy which we can also help you with.

Homeowners insurance covers a wide range of options to fit the needs of your home and needs. Many policies have options to include some of the following, but some require a separate policy. To find out what is best for you, please contact us at 208-467-4000.

  • Personal Liability

  • Personal Property
  • Property Damage
  • Additional Living Expense
    (Loss of Use)

  • Medical Expenses

  • Jewelry, Fine Arts, Guns, Collectibles, Furs, etc.
  • Personal Injury
  • Water Back-Up

  • Umbrella
  • Wine Collection

  • Off Premises Theft

  • Flood, Fire, Theft, etc.
  • Secondary Home
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Redding Insurance is here to help ensure the protection of your assets.

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Redding Insurance Agency

12400 Whitechapel Way
Nampa, Idaho 83686
Phone: 208-467-4000
Fax: 888-851-1055
Email: leroy@reddinginsurance.com

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Redding Insurance Agency - Leroy, Leah, and Liz

Nampa, Idaho Homeowners Insurance

Regardless of whether you live in Nampa or any other part of Idaho, homeowners insurance is one of the most important insurance policies you could ever own.

It’s important to understand that no two homeowners insurance policies are created equal though. Different insurance companies offer different levels of coverage, different endorsements and riders, and have different conditions and limitations.

Common Homeowners Coverages

These are some common coverages you typically see on a policy:

Dwelling

This is the portion of your policy that covers the actual structure (main house). The cost to replace your home can fluctuate from time to time based on the cost of raw material and labor, and of course, supply and demand.

We’ll run a replacement cost analysis on your home to see how much it would actually cost if the worst happened and you had to rebuild.

Personal Liability

Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.

Other Structures

This covers any structure on your property that is not permanently attached to your house, like fencing, driveways, sidewalks, and detached buildings like sheds and garages.

Personal Property

This covers all of your personal belongings like clothing, furniture, electronics, and appliances.

Loss of Use

This covers your living expenses if you need to live somewhere else temporarily because your primary home is uninhabitable due to a loss.

How to Get a Homeowners Insurance Quote

Getting a homeowners insurance quote is easy. Here are some of the important questions we’ll ask:

  • Who lives with you? Determine who will be on the property, and if you’ll be running a business from home.

  • How is the home built? Provide details about your home’s construction, such as when the roof and utilities were last updated.

  • Who will own the home? Let us know if there will be a co-owner/co-applicant (usually a spouse).

  • Do you have home insurance now? Tell us who your carrier is and how long you’ve been insured.

Do you own a home with unique architecture or worth more than $1 million? We represent many carriers that specialize in high net worth properties.

Homeowners Insurance

How to get started with your homeowners quote

Every home is unique, and therefore requires a carefully crafted policy. If you’d like us to review your current policy and provide you with no obligation quotes, call our office, enter some basic information in the fields below to get started online. Either way, we make the process super simple!

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