When you choose to get home insurance from YR Insurance you are getting the coverage, service and trust you can count on!
Quality & Trusted Homeowners Insurance
We are determined to bring you security and adequate coverage for your home. Our coverage will protect you against a loss and bring you peace of mind knowing you are well taken care of.
We work hard to give you the best coverage and liability so you do not need to stress.
Homeowners Insurance Services
Your Policy Explaind
Your home insurance is broken into five major categories. Each category is has its own job and coverage amount.
- Other Structures
- Loss of Use
Your dwelling coverage, Coverage A is the coverage that protects your actual home structure. It also provides coverage to anything permanently attached to the structure like an attached garage.
If your home was to burn to the ground, or suffer any damage, it would be this that your policy that would pay to replace or repair.
Example: My Insurance policy covered the cost to replace my home after it burned doown.
Your other structures coverage, Coverage B is the coverage that protects any sort of unattached portion or structure.
This coverage is typically found to cover items such as a fence, a shed, or a detached garage.
Example: My home burned down and it also burned down my fence around my property and shed. My insurance covered the cost to rebuild both!
Your contents coverage, Coverage C is the coverage that protects your personal belongings. Personal property coverage tends to range from 50% to 70% of the total replacement cost under Coverage A.
Did you know that if your personal property was to get stolen out of your car, your auto insurance wont cover it but your homeowners insurance will!
Example: My homeowners insurance covered the cost of all my personal property in my house when it burned down. I had TV’s, furniture, and much more.
Loss of Use
If your home is damaged from a loss and you can’t stay there, loss of use covers hotel, rent, and food expenses above what you’d normally pay.
Example: When my home burned down my policy covered the cost for our hotel and food while our home was being rebuilt.
If someone sues you, personal liability will pay for your lawyer, court fees, and certain damages you have to pay, subject to your policy.
You must purchase these optional coverages in order to be covered.
Water damage from backed-up sump pumps and sewer systems, Jewelry / Guns / Valuable Collections, Equipment breakdown, Identity Recovery, and much more.
Home Insurance – Protecting Idaho and Oregon
Your home is the center of your daily life, and likely your most valuable asset. When your home is damaged or destroyed, you need your claim settled by an insurance company that understands this simple fact. YR Insurance can help you find the homeowner’s insurance that will best meet your needs and provide the most valuable combination of tailored coverage, quality service and fair pricing.
Insurance for All Kinds of Homes
Depending on where you live – a house, apartment, or condominium – the right home insurance policy can provide you peace of mind as well as the money you need to repair or replace your home and/or belongings. Contact us for more information today!
Idaho & Oregon – What you need to know about homeowners insurance
Whether you own or rent, insuring the place you call home can help protect you financially if you suffer a loss due to fire, theft, vandalism, or other covered events. It will also cover you in the event someone is injured while on your property and wins a legal judgment against you.
Homeowners policies differ by which losses are covered, which coverages you choose, and what type of residence you own. You choose which policy is best for you, whether it’s a comprehensive policy that cover losses such as fire, hail, smoke, falling objects, vandalism and theft of personal property, or whether it’s a policy that covers only specified losses.
YR Insurance is here to help you find the right insurance for your home
Whether you’re a home or condo owner, a renter, or a landlord, YR Insurance will work with you to find a home insurance policy that fits your needs. We specialize in making it easy to choose the insurance coverage that gives you the best value for the best price.
Your home insurance policy is most often made up of the specific options you choose, so how much you’ll pay for your policy depends on:
- What you select. Oftentimes homeowners insurance options are priced individually, so how much you’ll pay for your policy depends on what coverages you buy.
- How much you want to cover. Higher deductibles usually lower your premium price by shifting part of the loss payment to you. For example, if you had a $500 deductible, you would be responsible for paying the first $500 of the covered loss.
- Where you set your limits. You may choose to set higher limits than the recommended amount if appropriate to your situation and needs.
- Worried you aren’t completely covered? Consider an umbrella insurance policy that extends your coverage.
The Right Coverage. The Right Price. The Right Value
The amount you pay for your homeowners insurance depends on many factors. Think of your personal housing situation, and the assets you want to protect.
Protection for Your Home
Property or Dwelling Coverage typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event like a kitchen fire or windstorm.
Protection for You and Other People
Personal Liability Coverage applies if someone is injured or their property is damaged and you are to blame. The coverage generally applies anywhere in the world.
- When choosing your liability coverage limits, consider things like how much money you make and the assets you own. Your personal liability coverage should be high enough to protect your assets if you are sued.
This covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover health care costs for you or other members of your household.
Additional Living Expenses
If you can’t live in your home because of a covered loss, your home insurance policy will pay additional living expenses—commonly for up to 24 months—while damage is assessed and your home is repaired or rebuilt.
Protection for Your Belongings
Your home is filled with furniture, clothes, electronics and other items that mean a lot to you. Personal Property Insurance helps replace these items if they are lost, stolen or destroyed as a result of a covered loss.
Scheduled Personal Property Coverage
If you have special possessions such as jewelry, art, antiques or collectibles you may want to talk to your agent about this additional coverage. It provides broader coverage for specific items.
If You Rent Out Your Home
Landlords may have the option to buy optional liability coverage for the risks posed by tenant-occupied dwellings. Visit our Landlord Protection Insurance page for more information.
Idaho & Oregon– Protect the Things that Matter to You
Make an inventory of your home and personal belongings. If possible, make a list as well as take photos or video – using two inventory methods can help expedite the claim resolution process. Keep this list somewhere other than your home. Keep in mind that your policy doesn’t cover damages caused by poor or deferred maintenance on your part.
Every home is unique – talk to us today to find out how to get the best price and value on homeowners insurance for you.
YR Insurance is an independent insurance agency and we work hard to provide the coverage you need. When it comes to protecting your autos, don’t leave it up to chance. Speak to one of our agents today for a free home insurance quote.