Top 5 Home Insurance Claims in Idaho (And How to Avoid Them)

Owning a home in North Idaho is a dream for many—but it comes with risks unique to our area. Understanding the most common home insurance claims can help you take steps to prevent them, keeping both your home and your wallet safe.

1. Wind & Hail Damage

Idaho sees its fair share of windstorms and hail. These can damage roofs, siding, and windows. Prevention Tip: Trim trees near your home, secure outdoor furniture, and keep your roof in good condition with regular inspections.

2. Water Damage (Frozen Pipes & Leaks)

Our harsh winters often lead to frozen or burst pipes. Even a small leak can cause thousands in damage. Prevention Tip: Insulate pipes, let faucets drip during extreme cold, and know where your water shut-off valve is.

3. Fire Damage (Including Wildfires)

From kitchen fires to wildfire season, fire is one of the most devastating risks homeowners face. Prevention Tip: Keep fire extinguishers on hand, maintain defensible space around your property, and check smoke alarms regularly.

4. Theft & Vandalism

While North Idaho is generally safe, theft and vandalism still happen. Prevention Tip: Install security cameras, use smart locks, and avoid advertising travel plans online.

5. Liability Claims

Slips and falls on your property can lead to costly lawsuits. Prevention Tip: Keep walkways clear of ice and clutter, and consider an umbrella policy for extra liability protection.

 Takeaway: Many risks can’t be eliminated, but being proactive reduces the likelihood of a claim. And when something does happen, having the right insurance in place makes all the difference.