Home Insurance in Idaho
Congratulations on your recent purchase of a home in Hailey, ID! The next item on your to-do list should be making sure your investment is protected by home insurance by Harrison Insurance and Financials. We understand exactly how the right insurance policy can help you to build a better quality of life by providing the peace of mind that comes with the proper protection.
Replacing Your Home and Goods After Disaster Strikes
In Idaho, we face extreme weather every summer and winter with blizzards and thunderstorms wreaking havoc on the landscape. If your home is damaged in an ice storm or is struck by lightning, your home insurance will help you to rebuild or replace the home. Your policy also extends to include your personal possessions and is able to help you replace furniture, soft goods, appliances, and electronic equipment if you should lose everything in a fire.
Understanding the Difference Between Market Value and Replacement Value
While you might want to create an inventory to receive full replacement value on your jewelry, art, or collectibles, we also understand that insuring your home for its market value may not allow you to rebuild when the market goes down in Idaho. We will conduct an independent appraisal of your property and provide options in your coverage so you will receive proper compensation should you ever have to file a claim.
The Right Liability Coverage for Just in Case
Accidents do happen. The liability portion of your home insurance policy means that a visitor who trips and falls on your property will have their medical bills taken care of while leaving your savings account intact. Work with your agent to determine just how much liability protection is right for your lifestyle and budget.
Would you like some help building the proper home insurance policy to protect your new home in Hailey, ID? Give us a ring at Harrison Insurance and Financials and we will be happy to answer all your questions.