Benewah Insurance Services
1311 N Northwood Center Ct, Coeur D Alene, ID 83814
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Coeur D Alene households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1311 N Northwood Center Ct, Coeur D Alene, ID 83814
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101 W Ironwood Dr, Suite 216, Coeur D Alene, ID 83814
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101 W Ironwood Dr, Ste 216, Coeur d'Alene, ID 83814
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1003 E Best Ave, Coeur d'Alene, ID 83814
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1042 W Mill Ave, Coeur D'Alene, ID 83814
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350 E Kathleen Ave, Suite 300, Coeur D'Alene, ID 83815
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350 E Kathleen Ave, Suite 300, Coeur d'Alene, ID 83815
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206 E Indiana Ave, Suite 207A, Coeur d'Alene, ID 83814
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1110 W Ironwood Dr, Coeur d'Alene, ID 83814
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418 E Lakeside Ave, Suite 218, Coeur D'Alene, ID 83814
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Learn about insurance coverage options specific to Coeur D Alene residents.
Coeur d'Alene insurance guide covering auto, home, and local agents. Learn Idaho requirements, costs, and North Idaho risks like wildlife and flooding.
Home InsuranceLearn about Coeur d'Alene home insurance costs, wildfire risk, lakefront coverage, and how to save. Kootenai County rates average $442-$601 annually.
General Insurance EducationComplete insurance guide for Coeur d'Alene: auto rates 50% below national average, flood risks on Lake Coeur d'Alene, wildfire coverage, and waterfront property needs.
Car InsuranceGet Coeur d'Alene auto insurance that covers I-90 risks and wildlife. Idaho's 25/50/15 minimums aren't enough. Learn what coverage you really need.
Idaho law requires 25/50/15 liability coverage: $25,000 per person for bodily injury, $50,000 per accident, and $15,000 for property damage. You must carry proof of insurance whenever you drive. A first offense without insurance costs $75, but repeat violations within five years can result in misdemeanor charges, fines up to $1,000, and jail time.
Coeur d'Alene drivers typically pay around $81 per month, which is about $35 less than the national average. Minimum liability coverage averages $344 per year, while full coverage costs around $970 annually. Idaho ranks as one of the most affordable states for auto insurance, with rates 35-38% below national averages.
It depends on your location. Lake Coeur d'Alene experiences seasonal flooding during spring snowmelt, and properties near the lake or creek drainages face higher flood risk. Standard homeowners insurance doesn't cover flooding, so you'll need a separate flood policy through the National Flood Insurance Program or a private carrier if you're in a flood-prone area.
Coeur d'Alene actually has the lowest wildfire risk among Idaho's major cities, but homes in forested areas near Hayden, Post Falls, or the mountains may face higher premiums. Creating defensible space around your property and taking wildfire mitigation steps can help lower your rates and improve insurability.
Both have advantages. Local agents (Coeur d'Alene has four agencies) understand North Idaho's specific risks like wildlife collisions and Lake Coeur d'Alene flooding, and they can bundle policies to save you money. Online carriers like Geico and Progressive often offer lower rates. Get quotes from at least three sources—one local agent and two national carriers—to compare.
Wildlife collisions are common on roads around Coeur d'Alene, especially during dawn and dusk. Comprehensive coverage protects against deer, elk, and moose strikes, which can easily cause $5,000+ in damage. It typically costs only $10-20 more per month and is worth considering even if you own your car outright.
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