For North Idaho Rental Owners & Property Managers
Coverage built for your rentals, your tenants, your portfolio.
Dwelling, landlord liability, loss of rents, short-term rental coverage, and multi-property packages — placed by a Sandpoint family agency through Farm Bureau Insurance.
Verified Google Reviews
From the rental owners we already work with
“The Marks Agency has been a great partner for our business. From our early days as a food truck to growing into our own restaurant in Sandpoint, they’ve helped us make sure we had the right insurance coverage in place. We really appreciate working with a local agency that understands small businesses and is easy to reach when we have questions or need help. Their team has been there for us with great service, support with claims, and guidance as our business has grown. It means a lot to work with people who are part of the same community we serve, and we’d gladly recommend The Marks Agency to other local business owners.”
— Joel, Joel’s Mexican Restaurant
Sandpoint, Idaho
“Great hometown service. I’ve been with the Marks Agency for over 10 years. They handle all my insurance needs. Home, auto, contractor, and life insurance.”
— David M.
Sandpoint, Idaho
“If you value doing business with good, friendly, and honorable people, the Marks Agency is the place to take your insurance needs. In my experience, they look beyond the customer and treat you as a person. They respond promptly to my calls. It is so refreshing to have a person from my own community to discuss my insurance needs rather than some call center several states away. I highly recommend them.”
— Kurt K.
Ponderay, Idaho
“Great team and accommodating to my crazy schedule. Josh and Caiya were very clear about the change over process. and the entire staff is warm and friendly.”
— Richard N.
Sandpoint, Idaho
Who This Is For
From single rentals to property management firms
We work with rental owners and property managers across North Idaho — single homes, multi-unit buildings, vacation rentals, and full management portfolios. If your situation isn't on the list, we still likely write your coverage.
Why Marks Agency
Local agents who understand the North Idaho rental market
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Real people, every call
You call our Ponderay office, you talk to John, Josh, or Caiya. No menu trees. No 1-800 number routed three states away.
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Idaho-built coverage
Farm Bureau Insurance is Idaho-owned. Claims decisions are made in Idaho — not in a corporate office across the country.
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Three generations local
Our family has been in Sandpoint and Ponderay since the 1950s. We know the neighborhoods, the seasonal-rental market, and the realities of waterfront properties.
Coverage
What we cover for North Idaho rentals
We build coverage around how your rentals actually operate — single-family, multi-unit, vacation rental, or a mixed portfolio. The wrong policy type is one of the most common (and most expensive) gaps we see.
Dwelling Coverage
Replacement-cost coverage for the structure of your rental — covers fire, wind, hail, vandalism, and other named perils.
Landlord Liability
Protection if a tenant or visitor is injured on your rental property and holds you responsible — including legal-defense costs.
Loss of Rents
If your rental is uninhabitable after a covered loss, this pays the rent you'd have collected while repairs are made.
Multi-Property Packages
Bundle multiple rentals into one policy with consolidated billing, single deductible exposure, and easier annual reviews.
Short-Term / VRBO Coverage
Standard landlord policies often exclude short-term rental activity. We place coverage that explicitly handles VRBO/Airbnb-style operations.
Property Manager E&O
If you manage rentals for other owners, errors-and-omissions coverage protects you from claims that you misrepresented or mismanaged a unit.
How It Works
From first call to coverage in three steps
1.
Tell us about your rentals
Fill out the short form below — name, business, what kind of rentals you have, when's a good time to talk.
2.
We review what you have
If you have current policies, send them over. We'll go through them and flag gaps before our call — especially around short-term rental and liability limits.
3.
We talk it through together
Phone, in person at our Ponderay office, or however works for you. We'll quote what fits your portfolio.
Common Questions
Common questions from rental owners
Real answers to what we hear most often from North Idaho landlords and property managers.
What's the difference between a landlord policy and a homeowners policy?
Do I need landlord insurance for a short-term rental like a VRBO or Airbnb?
Should I require my tenants to carry renters insurance?
How does a multi-unit policy work if I own several rental properties?
What does landlord insurance cost in North Idaho?
Schedule a Call
Talk to a local agent about your rentals
Tell us about your rentals
Takes about a minute. One of our team will call to set up a time.
We've got it.
One of our team — John, Josh, or Caiya — will reach out to confirm a time that works for you.
Want to talk now? Call or text (208) 263-3161.