Basin is a first-generation independent agency in Coeur d'Alene. Auto, home, renters, life, and the backcountry toys — quoted across 18 carriers by the same person who'll stand in your driveway on claims day.
Habitat: Hwy 95, forest service roads, school pickup lines
Daily drivers to mud-season rigs. Multi-car, teen drivers, and winter-rated comp & collision.
Habitat: town lots, forest edges, snow country
Replacement cost with wildfire and snow-load review standard. Water backup always on the table.
Habitat: first apartments, in-law suites, cabins-for-now
Everything you own, from about $12 a month. The cheapest smart decision in this guide.
Habitat: mortgages, kids, business partners
Term life sized to the actual obligations, quoted in minutes. No drama, no upsell.
Habitat: lakes, trails, staging areas, the shop bay
Boats, sleds, UTVs, campers, motorcycles — agreed value, layup rates, trail liability.
Habitat: over everything above
$1M+ liability canopy, plus landlord, small business, and the odd stuff. Just ask.
Every agency is friendly at quote time. Basin is built for the other day — so here's exactly what happens when the tree meets the roof.
My cell, not a claims hotline. We talk through what happened and what's urgent.
Tarp crew, board-up, tow — I have the local numbers and make the calls with you. Photos done right the first time.
I file it with the carrier myself and flag every coverage that applies — including the ones people forget, like loss of use.
I'm in the driveway for the inspection. Numbers get argued in person, not by voicemail.
I ride the claim until the money lands and the repairs are real. Then it goes in the file, and we adjust the policy so round two goes even smoother.
Basin is my first agency, opened in 2025. I'm Reid Mercer — ten years working claims for a national carrier, which taught me exactly where policies fail people. I started Basin to sit on your side of that table: 18 carriers quoted honestly up front, and on the bad day, an agent who's already standing in the driveway. No inherited book, no shortcuts. Every client is one I earned.
"Windstorm dropped a fir across the fence and the sled trailer. Reid was at the house before the adjuster and knew the policy better than the adjuster did."
"He re-quoted everything we own against 18 companies and showed us the spreadsheet. New agency, old-school effort."
"Asked about insuring the raft and the dirt bikes. Got one bundle, one bill, and a guy who actually rafts."