Home insurance
Replacement cost review, wildfire exposure and deductible options across all our carriers.
Independent since 2007
One call, twelve carriers, real comparison
We are not tied to one company, so we shop your home and auto across a dozen carriers and show you what each one actually covers.
18 yrsin the Treasure Valley
12carriers we quote
24 hrquote turnaround
Freepolicy review
Coverage we write
Personal and commercial lines
Bundling home and auto with the same carrier saves most Idaho households real money, and we check that automatically.
Auto insurance
Liability, collision and uninsured motorist compared side by side, not just by price.
Business insurance
General liability, property, commercial auto and workers compensation for local trades.
Umbrella liability
An extra million or more of liability above your home and auto limits.
Life insurance
Term and permanent coverage quoted across carriers with underwriting handled by us.
Annual policy review
We re shop your policies each renewal and tell you when staying put is the better move.
Why independent
We work for you, not for one insurance company
A captive agent can only sell you what their company offers. As an independent agency we place your policy with whichever of our carriers fits best, and when your renewal comes in with an increase we can move you instead of just apologizing. Nine of our agents live in the valley and know which neighborhoods carriers are pulling back from.
•Licensed in Idaho, Oregon and Washington
•Twelve carrier appointments including regional and national companies
•We handle claims advocacy at no charge to clients
•Renewals re shopped automatically each year
Reviews
From policyholders
“My renewal jumped four hundred dollars. They moved me to another carrier with better wildfire coverage for less than I was paying before.”
Greg S., Home and auto, Eagle
“When we had the hail claim they called the adjuster for us twice. That is not something my old agent ever did.”
Tasha W., Home claim, Meridian
FAQ
Insurance questions
Does using an independent agent cost more?
No. Carriers pay agent commissions out of the same premium whether you buy direct, through a captive agent or through us. What changes is that we can compare across companies rather than quoting one. You pay the same rate the carrier would charge you directly.
How much home coverage do I actually need?
Enough to rebuild your house at today's construction cost, which is often well above what you paid or what the county assesses it at. Materials and labor in the Treasure Valley have moved a lot in recent years, and underinsured homes are the most common problem we find in policy reviews.
Is an umbrella policy worth it?
For most households with assets, savings, or a teenage driver, yes. An extra million in liability typically costs a couple hundred dollars a year because it only pays after your underlying home and auto limits are exhausted. One serious at fault accident can exceed a standard auto limit easily.
How long does a quote take?
We usually return comparison quotes within one business day. Bring your current declarations pages so we match coverage rather than quoting a cheaper policy with thinner limits, which is the most common trick in insurance advertising.
Contact
Get a real comparison
Send us your current declarations page and we will show you what a dozen carriers would charge for the same coverage.
Phone(818) 555-0118
Address950 West Bannock Street, Suite 400, Boise, Idaho
HoursMon to Fri 8am to 5:30pm, Sat by appointment
AreaBoise, Meridian, Nampa, Caldwell, Eagle, Star