Protecting your home structure is important, but it’s also important to protect yourself from lawsuit.
Your Home and Liability
Property
For most people, their home is the largest expense they’ll ever have. Minor repairs—like replacing a faucet or paying a few hundred dollars for an electrician or plumber—are usually manageable. But if a pipe bursts and floods your home, a tree crashes through your roof, or a fire destroys your house entirely, the cost to repair or rebuild can be overwhelming. That’s why having proper coverage on your property is so important.
Liability
Liability insurance isn’t only for accidents on your property. It follows you wherever you go, helping protect you financially if you accidentally injure someone or damage their property—even when you’re away from home.
Farm and Ranch
As an Idaho company, we understand local agriculture—making us the best choice to insure your farm or ranch, crops, and equipment.
Mountain and Country Homes
Many large insurance companies won’t insure homes in high fire protection zones (zones 9 or 10, based on fire department response time). They may also decline coverage if a home is heated with a wood stove. Farm Bureau is an option that does consider homes in these situations.
Building Under Construction
Building a home can come with many risks, including equipment theft, fires during installation, or weather-related damage. Insuring your home while it’s being built helps protect it throughout the building process. Once construction is complete, the policy is reassessed to provide coverage for the finished home.
Renter’s Insurance
The landlord’s insurance covers the building itself, while renter’s insurance protects your personal belongings—such as furniture and other items—up to the coverage limit you choose. With renter’s insurance, you also have liability insurance with your choice of coverage, allowing you to select a level of protection that matches your comfort and needs.
Umbrella Policy
An umbrella policy provides additional liability coverage in $1 million increments on top of the insurance coverage that you already have with Farm Bureau. For example, if you carry $300,000 in liability coverage and are at fault in a serious car accident, your auto policy would pay up to its limit first. Once that limit is reached, the umbrella policy steps in to provide an additional $1 million—or more, depending on the coverage that you’ve chosen.
A common misconception is that an umbrella policy covers any situation on its own. In reality, it extends the liability coverage you already have in place.