 I suppose it is good that your homeowner's insurance policy is not something you think about every day. But if you're like me, when you see natural disasters on TV, and some that are not so natural, you wonder if your insurance would take care of you in a similar situation. Here's some help. Brett Murphy with Boise River Insurance is local and independent. You can talk with him face-to-face and ask questions about your existing policy and if it has what you currently need. If Brett is not your agent, it's okay.