Home-Liability

Probably the largest expense that you’ll ever have is the cost of your home. Small repairs, such as replacing a bad faucet, or even paying an electrician or plumber a few hundred dollars for a repair isn’t going to be a devastating hit to your bank account. However, if a pipe breaks and floods your house ruining the floors, carpet, and walls…or if a tree falls on (or through) your roof and destroys an entire section of your home, or a fire burns your home completely to the ground, would you have an extra $10,000 to $800,000 to repair or rebuild? Probably not, which is why it’s so important to have proper coverage on your property.

Liability isn’t just in case someone slips on your property and sues you. Liability insurance follows you wherever you go, so even if you’re away from your house and cause an injury to someone or damage someone’s property, liability insurance helps to protect you financially.

We’re an Idaho company, so we’re the best choice to insure your farm or ranch, your crops, and your farm equipment

Many large insurance companies won’t insure a home in protective zones (zones determined by how long it would take the fire department to get there) 9 or 10 (the highest zone). They also may not insure your home if you heat it with wood stoves. Farm Bureau considers homes with these situations.

Many things can cause damage while building a home…equipment being stolen, fire breakout while installing the electrical, rain, etc. Insuring your structure while being built helpls to protect it during that stage, then it’s reassessed with a policy that will cover the completed structure.

The landlord covers the structure, but renter’s insurance covers your contents up to the limit that you choose inside the structure…your items, furniture, etc. With renter’s insurance, you also have liability insurance with your choice of coverage to match your comfort level.

An umbrella policy covers you in $1 million dollar increments above the insurance coverage that you already have with Farm Bureau. For example, if you have $300,000 coverage liability, and you are at fault in a car accident and seriously injury or kill someone, once you liability policy has paid the maximum amount, your umbrella policy kicks in for an extra 1 or 2+ million coverage that you’ve chosen. A common misconception is that an umbrella policy covers you for anything that may happen, without having to have liability insurance…but again, it’s increased coverage to insurance that you already in place with us.