Idaho Insurance Went Up 37%. One Farm Town Went Up 335%.
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Homeowners premiums across the Treasure Valley are climbing even where wildfire never reaches — and most buyers don't find out until they're already under contract.
🚨 Pull your street's risk layers before you write an offer — Treasure Valley Red Zone Map (free) → https://goodnewsrealtygroup.com/resources/red-zone-map/
A farming community west of Caldwell went from $1,234 a year to $5,374. Flat ground. Onion fields. No forest anywhere near it.
This month 6,600 acres burned in the foothills behind Boise and didn't take a single house — and it won't move your rate by a dollar, because your rate was never about that hill. It's about the borrowed fire: the ones burning in somebody else's state, on somebody else's worst day.
🛡️ The 35 Questions Buyer Protection Checklist — https://www.idaholoanguy.com/guide/35-questions/
🚚 Relocation Audit — https://goodnewsrealtygroup.com/resources/relocation-audit/
📞 Book a call with Rachael — https://calendar.app.google/j8194GosWX2J3DUV7
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💬 Owned here a while and your renewal just jumped? Drop the percentage in the comments — I want to see how uneven this actually is across the valley.
I sell real estate. I'm not a licensed insurance agent. Everything here is what I watch happen to buyers and sellers during fire season — any question about what your specific policy covers belongs with a licensed agent, not with me.
⏱️ Chapters:
0:00 $1,234 to $5,374 — and nothing burned
0:39 Why I'm spending 20 minutes on insurance
1:10 The borrowed fire
2:03 The state made every insurer open its books
2:47 Check your street before you write an offer
3:20 What the 37% actually did to real bills
4:02 28,000 policies canceled — and where they clustered
4:45 Why a flat farm town gets priced like the foothills
5:50 They paid out less. We paid more.
6:44 The Claremont fire didn't cost anyone a house
7:24 The correction I owe you
8:12 The year everyone's quoting was the wrong year
9:29 Paper carriers — the thing that kills closings
10:04 Three bills went in. One came out.
10:46 The transparency bill that died in committee
11:49 Idaho has no safety net
12:29 For my locals on a fixed income
13:17 It wasn't the newcomers
13:46 Get the quote before you write the offer
15:00 The report only the seller can pull
15:51 The five feet that matter most
16:37 How to prove you fixed it
17:15 Where my expertise stops
17:31 Why the panic is oversold
18:34 Bring me the address first
19:30 The fire that wasn't yours
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