Flood Insurance
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Affordable Boise Idaho Flood Insurance Quotes, Rates & Information 

Do you know if you need Flood Insurance? Living by the Boise river you just may. But there are other flood zones in and around Boise, Nampa, Meridian, Eagle, and Caldwell. Get affordable flood insurance pricing estimate and find out if you qualify for a preferred risk policy which could save you hundreds of dollars. 

We are experts and specialists in flood insurance at our office. Give us a  quick call and we can run you a free quote and let you know what flood zone you are currently in. Flood zones are changing, it may be possible to grandfather yourself into a better rate. 

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Boise Flood Insurance - Do I need it? What to know and how much

Your homeowner's insurance program does not cover a flood?

Yes, that is correct! Traditional policies excluding flooding. I'm talking about the river that overflows, hurricanes, tornadoes and the like. It is your responsibility to obtain and pay for the flood insurance policy. If you live in a mandated flood zone. When you purchase your home the lender will require a flood policy in force before they will finalize the loan. But some residents live in a zone where it is not required by the lender. In that case, you may still live in a flood zone and it could be wise to consider the purchase of a contract. 

Here at Boise Home & Flood, we are flood insurance specialists. We will quote your property for coverage based on the current flood map the national flood insurance program and FEMA guidelines. Let you know what flood zone you currently reside in and how much the policy will cost your monthly or annual. Not all agents sell flood policies, so feel assured when you work with us your getting the best. Any agent who sells these plans will write the progam through NFIP "national flood insurance program". This is the entity that underwrites the policies.

The floodplain maps are changing here for our area in December of 2019, for Boise, Ada County, and other surrounding areas. Take advantage of possibly getting a preferred risk policy before the update. The water damage from a flood can be financially devastating to your financial well being and home. Call the office today for no-obligation flood insurance rate quote or personalized review of your current plan. 

We have been selling these contract for many years. Although, every agent quotes on the same system it is amazing to see the variances in the premiums. What that means is the agent is not familiar quoting the policy. Although the Boise River may not flood very often it still happens from time to time! We are here to help our homeowners either online, over the phone or in the office. 
Quick Boise Flood Zone Map Changes Update, Dated 2/27/20

Things to know before you purchase 

  • Your community must participate in the NFIP program. Do worry, we will help you determine if your community does indeed participate. 
  • What is the flood zone that I live in, what does that mean in terms of risk? 
  • After you purchase it takes about 30 days for the contract to be in force.
  • Your lender will require a declaration page depending on the zone you are in. Beware, we have customers come to us all the time angry that this was a last-minute requirement. They have to buy or the lender will not lend.
  • You may be able to get an elevation certificate completed to lower your premiums. Ask the prior owner if they ever had one completed. What this means is although you may be in a flood zone. Your property may be elevated enough for less risk. Resulting in a lower premium. These cost about $500 to complete depending on where you live in the nation.
  • What exactly is and is not covered? Also, we will make sure we cover the structure of the home adequately. 
  • Is the policy written at replacement cost or actual cash value? We will review your needs and make sure you have the plan that fits. 

Other considerations Contents Coverage & Building/Structure

You must add content coverage to your contract. It also comes with a different deductible from the structure. We will help you determine what each deductible should be and how much coverage for them both. 
Here is some of what could be covered under Building/Structure: 
  • Typically the electrical and plumbing systems
  • Water heaters & furnace 
  • Appliances 
  • Carpets & flooring 
  • Foundation & Walls 
  • Garage & detached garage "with limits" 
Examples of Contents Coverage: 
  • Your personal belongings such as clothing, furniture and electronics 
  • Portable items like A/C units and dishwashers 
  • Washing machine and the dryers
  • Artwork and valuable belongings - up to limits, we will make sure you know what the coverage amounts will be
  • Food and freezers for food storage 
Examples of Items not covered: 
  • Vehicles and cars 
  • Valuable metals like silver and gold - stock certificates 
  • Landscaping, septic tanks, decks etc. 
  • Loss of income due to the flood 
  • Additional living expenses 
The above list is not all-inclusive, it's only to highlight some of the major questions we receive. Our staff will review your needs and the policy coverage. Any and all questions will be answered to your satisfaction. 

If you own rental property or are a landlord you need a landlords insurance policy. Please click on the link to visit the page. 
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