Home Insurance

Access Your Safeco Online Account   

HOME INSURANCE - PROTECTING ALL OF IDAHO

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.

Castle Rock 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.

WHAT YOU NEED TO KNOW ABOUT HOME OWNERS 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.

Whether you’re a home or condo owner, a renter, or a landlord, Castle Rock 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.
o Worried you aren’t completely covered?
Consider an umbrella insurance policy that extends your coverage.

THE RIGHT PRICE. THE RIGHT VALUE. THE RIGHT COVERAGE.
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.

Medical Coverage
This covers medical expenses for guests if they are injured on your property, and in certain cases, it 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.

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.

Call for a quote today at 208-678-2048

 

Latest News

Back to School

Is Your Home Ready for Back to School?

Read more

Christmas Tree Debate

Live vs Artificial Christmas Trees

Read more

Condo Insurance

Important Information on Condominium Insurance

Read more

Emergency Kit

Be Prepared for Anything

Read more

Energy Efficient Home

Is Your Home Energy Efficient?

Read more

Gem State Insurance

About Gem State Home Insurance

Read more

Home Energy Waste

Do You Waste Energy at Home?

Read more


Home Inventory

Why You Need an Inventory of Your Home

Read more


Home Safety for Halloween

Make Sure Your Home is Safe for this Halloween Season

Read more


Home Security Tips

DIY (Do It Yourself) Home Security

Read more

Landlord Protection Insurance

What You Need to Know about Landlord Protection Insurance

Read more

Protect Your Valuables

How to Protect Your Valuable Possessions

Read more

Renters Insurance

Important Information to Know about Renters Insurance

Read more

Safeco Insurance Company

Accident Forgiveness &Vanishing Deductibles

Read more

School Safety Tips

Here are some safety tips for back to school

Read more

Securing Fall Trees

Secure Your Fall Trees

Read more

Umbrella Insurance

Protect Yourself from the Unknown

Read more

 

Winter Storms

Are You Winter Storm Ready?

Read more

 

Site Map

Website by Hoopes Tech

1225 Overland Ave Burley, ID 83318

Phone: (208) 678-2048
Fax: (208) 678-2906
E-mail: cade@castlerockidaho.com

© 2019 Castle Rock Insurance

We serve all of Idaho - Including, but not limited to:

Aberdeen Acequia Albion AmericanFalls Ammon Arco Arimo Ashton Athol AtomicCity Bancroft Basalt Bellevue Blackfoot Bliss Bloomington Boise BonnersFerry Bovill Buhl Burley ButteCity Caldwell Cambridge Carey Cascade Castleford Challis Chubbuck ClarkFork Clayton Clifton Coeurd'Alene Cottonwood  Council Craigmont Crouch Culdesac DaltonGardens Dayton Deary Declo Dietrich Donnelly Dover Downey Driggs Drummond Dubois Eagle EastHope Eden ElkRiver Emmett Fairfield Ferdinand FernanLake Filer Firth Franklin Fruitland GardenCity Genesee Georgetown GlennsFerry Gooding Grace GrandView Grangeville Greenleaf Hagerman Hailey Hamer Hansen Harrison Hauser Hayden HaydenLake Hazelton Heyburn Hollister Homedale Hope HorseshoeBend Huetter IdahoCity IdahoFalls Inkom Iona Irwin IslandPark Jerome Juliaetta Kamiah Kellogg Kendrick Ketchum Kimberly Kooskia Kootenai Kuna Lapwai LavaHotSprings Leadore Lewiston Lewisville Mackay Malad Malta Marsing McCall McCammon Melba Menan Meridian Middleton Midvale Minidoka Montpelier Moore Moscow MountainHome MoyieSprings MudLake Mullan Murtaugh Nampa NewMeadows NewPlymouth Newdale Nezperce Notus Oakley Oldtown Onaway Orofino Osburn Oxford Paris Parker Parma Paul Payette Peck Pierce Pinehurst Placerville Plummer Pocatello Ponderay PostFalls Potlatch Preston PriestRiver Rathdrum Reubens Rexburg Richfield Rigby Riggins Ririe Roberts Rockland Rupert Salmon Sandpoint Shelley Shoshone Smelterville SodaSprings Spencer SpiritLake St.Anthony St.Charles St.Maries Stanley Star StateLine Stites SugarCity SunValley SwanValley Tensed Teton Tetonia Troy TwinFalls Ucon Victor Wallace Wardner WarmRiver Weippe Weiser  Wendell Weston WhiteBird Wilder Winchester Worley