How Roof Age Affects Insurance Costs in North Idaho
While 2025 saw fewer overall roof claims nationwide, the cost of repairing and replacing roofs continues to climb—and that’s a trend every North Idaho homeowner should be paying attention to. According to a recent Verisk report, residential roof claims generated approximately $23 billion in replacement costs in 2025. While that figure was slightly below recent…
The #1 Insurance Mistake: Letting Coverage Lapse
If there’s one mistake I see over and over as an insurance agent, it’s letting coverage lapse. It might seem harmless at first. Maybe you forgot a payment. You might have switched carriers, sold a vehicle, or just got busy. But from an insurance standpoint, a lapse can create bigger problems than most people realize.…
Insuring Wood Stoves in North Idaho Shops and Garages
In North Idaho, it’s common for homeowners to heat shops, garages, and other detached structures with a wood-burning stove. The region experiences long winters. Many properties are located on acreage. As a result, a wood stove is often the most practical way to keep a workspace warm in areas like Coeur d’Alene, Hayden, Rathdrum, Post…
