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Your home is your biggest investment. We shop homeowners insurance across 10+ carriers to make sure it's protected at the best possible price — from wildfire to winter storms and everything in between.
Your home is more than just a building — it's where your family lives, grows, and makes memories. Whether you own a lakeside property in Idaho, a family home in Washington, or a place in any of the 12 states we serve, the right homeowners insurance gives you peace of mind knowing you're protected when something goes wrong.
At O'Brien Insurance Services, we compare home insurance rates across Travelers, Safeco, Nationwide, Hartford, Liberty Mutual, and more. Because we're independent, we can find the carrier that offers the best coverage for your specific home — not just whatever one company decides to charge.
Every region has its risks, and we know them well across the states we serve. In Idaho and the Pacific Northwest, wildfire is a real concern, especially during dry summers. Smoke damage alone can cause thousands in losses even if the fire doesn't reach your property. In California and other western states, wildfire coverage is critical. We'll make sure your policy covers wildfire and smoke damage properly.
Flooding is another concern nationwide. Standard homeowners insurance does NOT cover flood damage — you need a separate flood policy for that. If you're near a lake, river, or any waterway, we strongly recommend looking into flood coverage. Keep in mind there's a 30-day waiting period, so don't wait until storm season.
Heavy snow loads, hurricanes, hail — whatever risks your region faces, we'll review your policy to make sure you're properly covered.
This is one of the most important decisions in your homeowners policy. Replacement cost pays to rebuild or replace at today's prices. Actual cash value deducts for depreciation, meaning you could get far less than it costs to actually replace what you lost. We typically recommend replacement cost coverage — it costs a bit more but provides significantly better protection when it matters most.
If you've renovated your kitchen, added a bathroom, finished your basement, or made any major improvements, your coverage should reflect that increased value. Many homeowners forget this step and end up underinsured. Give us a call whenever you make improvements — we'll update your policy so you're fully protected.
One of the easiest ways to lower your home insurance premium is to bundle it with your auto policy. Most of our carriers offer multi-policy discounts that can save you hundreds per year. We'll look at your complete insurance picture and find every discount available — security systems, new roof, claims-free history, and more.
Already have homeowners insurance? Let us take a look. We'll review your current coverage at no cost and shop it across our carriers to make sure you have the right protection at the best price. Many of our clients save money just by letting us compare — call (208) 966-4374 or fill out our online quote form to get started.
Current homeowners reviewing their coverage
First-time home buyers
Homeowners planning renovations
Landlords with rental properties
Homeowners in wildfire-prone areas
Anyone with a mortgage (required by lender)
We work for you, not the insurance company. With access to 10+ carriers, we shop around to find the coverage and rate that actually fits your life.
30+ years of personal service. When you call, a real person picks up — not a call center. We're your neighbors, not a faceless corporation.
Our clients save an average of $1,000/year by switching from captive agents. More carriers means more competition for your business.
Coverage across Idaho, Washington, Oregon, California, Montana, Nevada, Arizona, Florida, and more. Wherever life takes you, we can help.
Get a free, no-obligation quote in minutes. Or call to speak with a local agent today.