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Your home is most likely your most significant and most expensive investment. To make sure it is protected well, you should obtain a homeowner's insurance. Even if you are a tenant, you will also need to protect your furniture and other personal property. In both cases, a homeowner's insurance also protects you from bearing liability should accidents happen in your home that lead to damage to property or injury towards other people.

Home insurance provides for property protection. The better your coverage, the lesser the amount you will need to pay out of your own money should disaster happen. Of course, better coverage will mean more expensive premiums. A home insurance also provides for self protection and liability coverage to protect yourself from lawsuits which result from your personal negligence. There are a wide range of homeowner's insurance policy. They are basically universal in all states. The more important concern will be the kind of policy and how much coverage you need. For inquiries like this, it is always best to consult with an insurance agent.

Presented below are the most common homeowners insurance policies in Idaho and their respective coverages:

• HO-2. Fire, Lightning, Explosion, Windstorm, Hail, Riot, Civil Commotion, Vehicles, Aircraft, Smoke, Theft, Vandalism, Malicious Mischief, Falling Objects, Volcanic Eruptions, Weight of Ice, Snow, Sleet, Disacharge of Water or Steam, Sudden Accidental Rupture, Artificially Generated Electrical Current, Freezing of Plumbing and other Related Systems
• HO-3. Includes perils in HO-2 along with ther perils specified except for flood, earthquake, nuclear hazard or war.
• HO-4. Policy for renters of houses or apartment. This covers perils in HO-2 along with additional liability coverage, additional living expense and possible medical coverage.
• HO-6. Policy for condominum owners. Insures personal property and alterations not provided for by the condominium association. This also covers everything stated in HO-2 perils.
• HO-8. Policy for older homes where replacement value exceeds current market value. Excludes the following perils: Falling Objects, Weight of Ice, Snow, Sleet, Disacharge of Water or Steam, Sudden Accidental Rupture, Artificially Generated Electrical Current, Freezing of Plumbing and other Related Systems

Additional provisions which you can purchase in your policy include:

• Dwelling. This insures structures which are attached to your dwelling, garage, outdoor equipment permanently installed, materials or supplies found on or beside your premises used for construction, and so on.
• Personal Property. This will cover for physical injury, destruction or loss of personal property. This can refer to furnitures, appliances, even as personal as clothing. This do not include provisions for jewelries, computers, antiques, guns, and so on. It is best to ask your agent on how to cover your priced possessions.
• Additional Living Expense. This pays for living expenses should there be a time where you can not live in your home due to damage, repair, or related causes.
• Optional Coverage. You can also purchase additional coverage such as replacement cost coverage, inflation guard, flood insurance, replacement of lost contents, and personal property endorsement.