Edgar Insurance Agency (agencia De Seguros Edgar)
4948 W Kootenai St, Ste 103B, Boise, ID 83705
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Boise households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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4948 W Kootenai St, Ste 103B, Boise, ID 83705
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2399 S Orchard St, Ste 202, Boise, ID 83705
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6206 N Discovery Way, Ste 102, Boise, ID 83714
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1661 W Shoreline Dr, Ste 100, Boise, ID 83702
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1818 W State St, Boise, ID 83702
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10588 W Business Park Ln, Boise, ID 83709
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9196 W Emerald St, Ste 180, Boise, ID 83704
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Learn about insurance coverage options specific to Boise residents.
Boise home insurance costs average $1,396/year but rates jumped 18% in 2024. Learn about wildfire risk, flood coverage, and finding affordable insurance.
Car InsuranceBoise drivers pay $1,354/year for full coverage—9% below Idaho's average. Learn about 25/50/15 minimums, at-fault laws, and I-84 winter risks.
General Insurance EducationComplete insurance guide for Boise residents. Learn about Idaho's minimum auto coverage, rising home insurance costs, wildfire risks, and affordable life insurance options.
Wildfire risk is the primary driver. Nearly 60% of Boise homes face wildfire risk over 30 years, and Ada County expects $25 million in annual wildfire losses. After California's catastrophic wildfire losses, insurers are reassessing Idaho's similar terrain and pricing in higher risk. This led to an 18% rate increase in Boise in 2024—higher than Idaho's statewide 17% average.
Standard homeowners insurance doesn't cover flood damage at all. If you have a federally insured mortgage in a special flood hazard area, flood insurance is required. Even if not required, it's worth considering for properties near the river or in low-lying areas. The Boise River has exceeded flood stage ten times since 1982, with major floods in 1983 and 2017.
First, shop multiple insurers immediately—some companies are still writing policies in high-risk areas. If you can't find standard coverage, ask about Idaho's FAIR Plan, which serves as a last-resort option for properties that can't get insurance elsewhere. Document any wildfire mitigation work you've done (clearing brush, fire-resistant materials) as some insurers do consider these factors.
Your dwelling coverage should match your home's current replacement cost—not what you paid for it. With Ada County home prices hitting $555,000 in early 2024 and construction costs rising, you may need to increase coverage limits. Review your policy annually and adjust for inflation, renovations, and market conditions to avoid being underinsured if you need to rebuild.
It depends on the insurer. Creating defensible space, clearing brush, and using fire-resistant materials definitely protect your home, but not all insurers factor these improvements into rates. Some use broad risk models that don't account for individual mitigation. Still, document your efforts with photos—the market may shift to reward proactive homeowners, and you're protecting your property regardless.
Boise participates in FEMA's Community Rating System with a Class 6 rating, earned through floodplain management efforts. This automatically qualifies residents who buy flood insurance for a 20% premium discount. You don't need to apply separately—the discount is built into quotes from participating insurers. Average flood insurance costs $500-$1,500 annually depending on your flood zone.
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