Progressive covers dwelling, personal property, and liability, typically $100,000-$300,000. Includes damage from fires, storms, and theft. Excludes floods and earthquakes.

Manufactured home insurance isn’t legally required but is often mandated by lenders or park owners. Protects against financial loss. Learn more at manufactured home insurance.

Coverage should match home value, averaging $150,000, plus 20 percent for rebuild costs. Liability at $100,000 is standard. Adjust for personal property.

An HO-5 policy offers broader coverage than HO-3, costing $1,000-$1,500 yearly. Covers open perils for dwelling and property. Excludes floods and earthquakes.

Older homes, pre-1980, can be insured with Progressive, costing $900-$1,400 yearly. Requires inspection for condition. See insurance Idaho.

Progressive averages $800-$1,200 yearly in Idaho, varying by location and home age. Rural areas may have lower rates. Compare for savings.

Higher deductibles save 10-15 percent on premiums. Safety features like tie-downs reduce rates by 10 percent. See how to lower your car insurance rates.

Progressive offers multi-policy and claims-free discounts, saving 10-20 percent. Mobile home park residents save 5 percent. Common in Idaho.

Good credit lowers rates by 10-20 percent in Idaho. Poor credit increases premiums significantly. Rates reflect financial stability.

Bundling auto and manufactured home insurance saves 15-20 percent. Simplifies payments and maximizes discounts. See Progressive insurance in Idaho.

Snowstorms and wildfires in Idaho raise premiums by 10-15 percent. Comprehensive coverage mitigates weather-related losses. Common in rural areas.

Flood insurance, $500-$1,000 yearly, is separate for flood-prone areas like Coeur d’Alene. Standard policies exclude floods. Learn at Idaho homeowners insurance.

Theft in urban Boise increases premiums by 5-10 percent. Comprehensive coverage protects against property loss. Common in city areas.

Earthquake coverage, $100-$300 yearly, is not included in standard policies. Necessary in Idaho’s seismic zones. See insurance Idaho.

Mobile home park locations with safety features lower rates by 5-10 percent. Riskier areas increase premiums. Common in Idaho.

Liability coverage, $100,000-$300,000, protects against lawsuits, costing $100-$200 yearly. Essential for guest injuries. Available through Progressive.

Personal property coverage, 50-70 percent of dwelling value, averages $50,000-$100,000. Covers theft and damage. Adjust for high-value items.

Vacation home coverage, $1,000-$2,000 yearly, protects seasonal properties. Requires special endorsements. See manufactured home insurance.

Home business coverage, $500-$1,000 yearly, protects equipment and liability. Standard policies exclude business risks. See business insurance.

Sewer backup coverage, $50-$150 yearly, protects against drainage issues. Not included in standard policies. Common in urban Idaho.

File claims with photos and receipts for faster processing. A Plus Insurance assists with submissions. Learn at home insurance explained.

Denied claims require appeal with documentation within 60 days. A Plus Insurance reviews policies. Common for underinsured homes.

Switching to Progressive is seamless with continuous coverage. Compare rates for savings. See Progressive insurance in Idaho.

Review policies annually to adjust for home value changes. Updates prevent underinsurance. A Plus Insurance offers free reviews.

Cancel Progressive insurance with 30 days’ notice, refunding unused premiums. Lenders may require new coverage. See how to cancel car insurance.

RV insurance, $800-$1,500 yearly, covers liability and damage. Ideal for Idaho camping. See Idaho recreational vehicle insurance.

Modular homes, $800-$1,300 yearly, are insured similarly to manufactured homes. Requires specific endorsements. Available through Progressive.

Renters coverage, $300-$600 yearly, protects personal property and liability. Ideal for tenants. See Denver renters insurance.

Short-term rental coverage, $500-$1,000 yearly, protects Airbnb properties. Standard policies exclude rental risks. Common in Idaho resort areas.

Military discounts save 10 percent with Progressive or partners. Applies to active duty and veterans. See car insurance discounts.