Rating: +1

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Bill Summary:

House Bill 282 amends Idaho’s homestead exemption laws to strengthen protections for homeowners. It clarifies that each spouse may claim a separate homestead exemption as outlined in Section 55-1003, Idaho Code, even when the property is community or jointly owned. However, it ensures the total exemption amount does not exceed the allowable limit when applied to the same property.

The bill also reinforces that proceeds from the voluntary sale of a homestead—if intended for acquiring a new residence—or from insurance covering its destruction are exempt from seizure for up to one year. These protections apply unless overridden by federal bankruptcy law. Additionally, the bill affirms that all homestead exemptions are presumed valid unless contested in court and declares an emergency, making the law effective July 1, 2025.

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Reason for Rating:

H0282 strengthens private property rights and promotes family financial security by expanding and clarifying Idaho’s homestead protections. It shields homeowners from forced sale due to personal debts and supports the continuity of homeownership through transitions like selling or rebuilding after loss. The bill upholds foundational Republican principles of property rights, self-reliance, and government restraint, earning it a +1 rating under the Idaho Republican Party Platform.