Insurance in Idaho

Coverage Requirements in Idaho

Idaho requires 25/50/15 auto liability ($25,000 per person bodily injury, $50,000 per accident, $15,000 property damage). Idaho is at-fault with modified comparative negligence at a 50% bar — a driver more than 50% at fault recovers nothing. UM/UIM matching 100/300 is strongly recommended given ~13% uninsured drivers. Standard homeowners excludes flood and earthquake and carries tightening wildfire underwriting in Kootenai, Valley, Blaine, Custer, and foothill ZIPs. There is no state-run FAIR Plan — surplus-lines wildfire dwelling fire plus admitted HO liability wrap is often the only path in high-hazard addresses. Coverage A must be audited against current Treasure Valley and North Idaho rebuild costs. Idaho employers must carry workers' compensation from the first employee, with narrow exemptions for domestic service, certain agricultural labor, and sole proprietors/partners. Idaho Industrial Commission penalties for non-coverage are severe. Idaho is a community-property state — life and disability beneficiary designations should be reviewed alongside title and estate planning.