Common questions Idaho residents ask about home, auto, and related insurance — with plain-English answers from a licensed independent agency.
Idaho requires drivers to carry liability coverage of at least 25/50/15: $25,000 in bodily injury per person, $50,000 in bodily injury per accident, and $15,000 in property damage. These are state minimums set by the Idaho Department of Insurance, and most agents recommend carrying higher limits given today's medical and vehicle replacement costs.
Generally yes — a standard HO-3 policy in Idaho lists fire as a covered peril, and that coverage typically applies to wildfire, subject to the policy's terms, exclusions, and any applicable endorsements. What is changing is availability and pricing in higher-risk areas, particularly the wildland-urban interface around the Boise foothills. Some carriers now require defensible space or a Class A roof to write or renew coverage. Working with an independent agent gives you access to multiple carriers if one declines.
Standard homeowners insurance does not cover flooding anywhere in Idaho. Flood coverage is sold separately through the National Flood Insurance Program (NFIP) or private flood insurers. Even if you are not in a FEMA-designated flood zone, properties near the Boise River, Snake River, and irrigation canals carry meaningful flood risk and should consider coverage.
Maxwell Insurance Group is headquartered at 1900 N Lakes Place, Meridian, ID 83646. We serve clients throughout the Treasure Valley — Boise, Meridian, Nampa, Caldwell, Eagle, Star, Kuna — and across the rest of Idaho, with face-to-face meetings available at our Meridian office.
We are licensed across all of Idaho. Most of our clients are concentrated in the Treasure Valley (Boise, Meridian, Nampa, Caldwell), but we also serve Twin Falls, Idaho Falls, Pocatello, Coeur d'Alene, McCall, and the surrounding areas.
Earthquake damage is excluded from standard homeowners policies and must be added separately. Idaho experiences regular seismic activity — most notably the 2020 magnitude 6.5 Stanley earthquake felt across the Treasure Valley — and central Idaho is identified by the U.S. Geological Survey as seismically active. Earthquake coverage typically carries a percentage-based deductible (10% to 20% of dwelling coverage), so it is most valuable as catastrophic-loss protection rather than coverage for minor cracks.
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