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Our approach
This is the part of insurance that surprises people the most: your homeowners policy, the one that covers fire, wind, theft, and dozens of other perils, specifically excludes flood and earthquake. Completely. If the Boise River floods your basement, your homeowners won't pay. If an earthquake cracks your foundation, your property policy won't respond. These are two of the most catastrophic things that can happen to a home, and they require their own separate coverage.
Idaho's geography includes river corridors, irrigation canals, flood plains, and seismic fault lines. We evaluate every client's exposure as part of their property review. Flood coverage is available through the National Flood Insurance Program (NFIP) and private markets that often offer better terms. Earthquake coverage is available as a standalone policy or endorsement. Both are more affordable than most people expect, especially compared to the losses they prevent.
coverage
NFIP flood insurance
Federal flood coverage through the National Flood Insurance Program. Available for homes and businesses in participating communities. Residential limits up to $250K dwelling/$100K contents. The baseline for flood coverage in Idaho.
Private flood insurance
Flood coverage through private carriers that often provides higher limits, broader coverage (including loss of use, which NFIP doesn't cover), and faster claims handling. Increasingly competitive pricing in many Idaho zip codes.
Earthquake insurance
Covers structural damage, foundation cracking, chimney damage, and contents damage from seismic events. Deductibles are percentage-based (typically 10 to 20% of dwelling value). Idaho sits near active seismic zones, and this is worth evaluating for every homeowner.
Excess flood
Additional coverage above NFIP limits for homes where the property value exceeds the federal program's $250K cap. If your home would cost $450K to rebuild, NFIP leaves a $200K gap. Excess flood fills it.
Preferred risk policies
For properties in lower-risk flood zones, NFIP offers Preferred Risk Policies at very affordable premiums, sometimes as low as $300 to $600/year. Over 25% of flood claims come from outside high-risk zones. Low-risk doesn't mean no-risk.
Commercial flood and earthquake
Business property, inventory, and income protection from flood and earthquake. These perils can permanently shut down a business. We coordinate separate coverage alongside your commercial property program.
We evaluate your exposure
Flood zone, proximity to waterways, seismic risk, property type. We determine what you're actually exposed to, not what you assume.
We quote NFIP and private options
We compare federal and private flood coverage and evaluate earthquake endorsements to find the best protection and price for your property.
We integrate with your property program
Flood and earthquake sit alongside your homeowners or commercial property policy. We make sure there are no gaps between them.
The two biggest exclusions in your property policy are the two that can destroy everything.
Flood and earthquake damage isn't theoretical in Idaho. Rivers rise. The earth moves. Your standard policy won't pay for either. We fill those gaps with dedicated coverage that's more affordable than most people expect.
What Business Owners Ask Us Most
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Let's find out if your property is exposed.
Tell us about your home and we'll check your flood zone, seismic risk, and what coverage would cost.
We'll be in touch within 24 hours. That's not aspirational. It's a guarantee.
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