Auto Insurance Add-Ons To Keep You Safe on Idaho’s Roads

At Idaho Select Insurance, serving Meridian, ID, we want to ensure you are fully protected on Idaho’s roads with adequate auto insurance coverage. While standard car insurance policies are mandatory, they may not be enough to cover you in all situations. Therefore, we recommend you consider additional "add-ons" or extra coverage to keep yourself and your loved ones safe.

Uninsured/Underinsured Motorist Coverage

While Idaho law requires all drivers to have liability insurance, some drivers don’t comply, and others don’t have sufficient coverage. If you are in an accident with one of these drivers, you may have to pay for damages out of pocket. We suggest adding uninsured and underinsured motorist coverage to your policy. It protects you financially if you are in an accident with someone who doesn’t have enough or no coverage.

Personal Injury Protection (PIP)

PIP pays for medical expenses and lost wages if you or your passengers are injured in a car accident, regardless of who is at fault. This coverage can be valuable if you lack health insurance or high deductibles.

Roadside Assistance

Getting stranded on the road can be a hassle and can happen to anyone. Roadside assistance helps if your car breaks down, runs out of gas, or you get a flat tire. This coverage is often inexpensive and can save you time and frustration if you’re in a bind.

As your trusted insurance provider, Idaho Select Insurance, serving Meridian, ID, encourages you to consider these add-ons to your auto insurance policy for extra protection and peace of mind. Contact us today to discuss these options and how we can customize a policy for your unique needs.

All you need to know about umbrella insurance

Umbrella insurance is the type of insurance that provides you with extra coverage on top of your personal insurance, such as auto insurance, home insurance, boat/watercraft insurance, and more. Umbrella insurance kicks in and covers the additional costs once you reach the limits of your primary insurance policy. 

If you are thinking of purchasing umbrella insurance, here is a list of some things you should know about it:

What Should You Know About Umbrella Insurance?

Here are the most important facts about this type of insurance:

  • It applies to you and other people living in the household. If you have a spouse, children, or other people in your care, umbrella insurance also applies to them. 
  • There are certain things that umbrella insurance covers. A typical umbrella insurance policy covers injuries to someone else, damages to someone’s property, defamation, false imprisonment, landlord liability, and some other things. 
  • Umbrella insurance has limits and does not cover everything. For example, umbrella insurance does not cover the policyholder’s injuries and damages. Other types of insurance and coverage will cover them. It also won’t cover liability associated with your business unless you carry a special business umbrella policy. 

Idaho Select Insurance – Insurance Company in the Gem State You Can Trust

Suppose you live in Meridian, ID, or any other nearby town, like Boise or Eagle, and you are looking for an umbrella insurance policy to provide you with the additional coverage you need. In that case, you should contact Idaho Select Insurance. Our company specializes in different types of insurance, including umbrella insurance as well. Our qualified insurance agent will answer all your questions and help you find the perfect coverage based on your insurance needs. We serve clients in Meridian, ID, and other surrounding areas. Feel free to reach out to us for more information. 

How to Create an Inventory List When You Purchase Rental Insurance

At Idaho Select Insurance, providing residents in the greater Meridian, ID region, we want to help our customers with their insurance needs and questions. This is why we offer tips to help our customers if the unexpected occurs. If you are looking to purchase a rental insurance policy or have recently purchased one, we strongly recommend making an inventory list. Here are a few tips to help you create that list. 

Go Room By Room Listing Inventory

When creating an inventory list for rental insurance, you should go room by room, listing the general items in the room. Be sure to include any high-value items on your list, as these items need to be documented if you need to file a claim due to fire, theft, or other covered events. 

Take Pictures of High-Value Items

As you make an inventory list, take the time to either take pictures or videos of your high-priced items, including jewelry, electronics, and furniture. This is one of the best ways to document that you do own those items and show what condition the items were in. 

Save Receipts

Lastly, if you have receipts for high-value items or if you purchase new high-value items, be sure to save your receipts. This can come in handy, as it documents when you bought an item and how much you paid for it. 

Having an inventory list can be handy if you ever have to file a claim with your renters’ insurance company. It helps to show that you owned items of value and shows the condition those items were in. If you are looking for a renters’ insurance policy, Idaho Select Insurance, serving the greater Meridian, ID area, would love to be of service to you. Call our office, and let’s get started finding you a new policy. 

Safe riding tips for motorcycle riders

Motorcycle riders can enjoy the freedom of the open road in the Meridian, ID area, but it’s essential always to remember to ride safely. Here are a few tips from us at Idaho Select Insurance for staying safe while riding your motorcycle:

  1. Wear the Right Gear: Make sure you have all the proper safety gear for riding a motorcycle, such as a helmet, gloves, and protective clothing that covers your skin. This will help protect you from injury should you ever be involved in an accident.
  2. Maintain Your Motorcycle: Regular maintenance is vital for staying safe on the road. Keep your bike in top shape with regular oil changes and checking of tire pressure and other parts. Doing so can help you avoid breakdowns or other mechanical issues while on the road. 
  3. Drive Defensively: Always practice defensive driving techniques when riding your motorcycle; be aware of your surroundings and stay alert for potential hazards like potholes or debris in the road. Give yourself plenty of time to react if an unexpected obstacle is ahead of you on the road. 
  4. Avoid Distractions: Don’t let distractions like cell phones or music divert your attention away from driving safely. Being distracted behind the wheel can cause accidents, so keep any devices out of reach while riding and focus solely on the task at hand – arriving safely at your destination! 
  5. Follow Road Rules: Obey all traffic laws and rules while riding, including speed limits and lane changing regulations which are especially important when sharing roads with other vehicles or pedestrians who may not be aware of motorcycles on the road around them. 

For more tips, give us at Idaho Select Insurance a call today. We proudly serve the Meridian, ID area.

Who Needs Flood Insurance?

Meridian, ID residents do not need to purchase flood insurance as a requirement of the law. Still, your lender may compel you to buy a policy, particularly if the government backs them. 

Even if your home is paid for, it’s vital to understand that flooding is not covered under a standard homeowners policy. Your knowledgeable Idaho Select Insurance agent can assess your situation to determine the needed coverage.

It’s essential to identify your property on the FEMA map, a resource created by the government that records the topography of the United States and contains information related to flooding history. 

This is updated every five years to reflect changes to the climate and resulting rainfall and erosion. It will also contain data regarding the past frequency of flooding and the elevation to assist us in making predictions for future events, their prevalence, and their intensity. 

People who live in low-lying areas, categorized as flood planes, need to consider flood insurance, and this is especially true if you live close to a river or a creek that can rise. Torrential rain can also cause wet water streams to appear suddenly in certain places. 

Spring thaws after significant snow accumulation can create conditions where gullies overflow their boundaries, and ditches and culverts on roadsides can also flood during heavy downpours. People at the bottom of hills on city streets may experience flooding when there is insufficient drainage or sewage systems to move water away from the asphalt. 

Idaho Select Insurance is Here to Help

We specialize in providing you with quality insurance products and services to meet your everyday needs, and we invite you to reach out with any questions you may have. We serve clients who live in the Meridian, ID region. 

Make The Most Of Your Umbrella Insurance

The best insurance is the insurance you never have to use. This sounds paradoxical, but it’s a real thing. If you never have to use your insurance, it’s still there, giving you peace of mind, and it’s always in the background. Idaho Select Insurance serves Meridian, ID, and we can help you find the umbrella insurance coverage right for you. Here’s how to make the most of your umbrella insurance.

Minimize Access to Attractive Nuisances

A swimming pool in your yard is a great way to beat the heat. But without adequate protection to keep people out when it’s not in use, it can be, legally speaking, an "attractive nuisance," something that can cause harm. Make sure that access to it is controlled if you have a pool, a home basketball court, or another large outdoor exercise area.

Have enough umbrella insurance to cover your entire net worth

If you are sued, ensure your umbrella insurance covers your entire net worth. It’s a simple step you can take, but it requires a lot of work to find where your limits are. Umbrella insurance may also be necessary to cover future earnings if you have or are studying for a graduate degree, which may further affect your income. Income can be garnished as part of a legal judgment if you can’t pay immediately.

Know what umbrella insurance does and doesn’t cover

Idaho Select Insurance serves Meridian, ID, and our licensed and bonded insurance advisors can help you find exactly what umbrella coverage you need and discuss what it covers and can’t. Call us or come in today to start the conversation and protect your assets from liability today.

Common Areas Not Covered by Renters Insurance

If you are a tenant in Meridian, ID, you should consider renters insurance from Idaho Select Insurance. Renters insurance covers your personal assets and protects you when faced with liability claims. While renters insurance can be a lifesaver, you should know that it doesn’t cover you against all risks. Here are the common renter’s insurance exclusions.

Flood damage

Like home insurance, renters insurance doesn’t cover you against flood damage. You can boost your renter’s insurance by purchasing flood insurance from the National Flood Insurance Program (NFIP) or private providers. This insurance covers your assets, lessening your financial burden when disaster strikes.


Renter’s insurance doesn’t cover sinkholes, mudslides, or earth movement damage. However, like flood insurance, you can purchase earthquake insurance to boost your renters insurance.

Your roommate’s possessions

Renters insurance covers your assets when damaged inside or outside your dwelling. However, renters insurance won’t extend to your roommate’s possessions. As such, your roommate should have their own coverage, or you can opt for a shared policy.

High-value items

Like home insurance, renters insurance provides limited coverage to your high-priced items like jewelry, cash, and art. However, you can purchase supplemental insurance to provide optimal protection for your valuable assets. 

Mold and pest infestation

Most renter insurance policies won’t cover damage from pests, rodents, or mold. These are considered maintenance-related issues that can be prevented with proper care for the property.

Your vehicle

Renters insurance will cover the loss or damage to the assets inside your car, but not the vehicle itself. You should file a claim with your car insurance when your car suffers damage.

Renters insurance in Idaho

Want to learn more about renters insurance? If you are in Meridian, ID, please get in touch with Idaho Select Insurance for personalized advice.

Three common misconceptions about motorcycle insurance

Purchasing the right motorcycle insurance policy is vital to provide financial protection for buyers. Unfortunately, there is some misinformation out there about motorcycle insurance that could lead bikers to make poor decisions about insurance coverage. 

At Idaho Select Insurance, we can assist you with finding the information you need about motorcycle insurance in Meridian, ID. The following are three common misconceptions to be aware of about motorcycle insurance. 

You should cancel your motorcycle insurance policy in the winter.

Canceling your motorcycle insurance policy in the winter if you do not use your bike during this season is not a good idea. Remember that the DMV will be notified if you cancel your insurance policy. This could make it so that your registration is no longer valid.

Canceling your motorcycle insurance in the off-season can create some complications for you that could make this a bad idea. 

A motorcycle insurance policy continues to provide coverage when another biker uses a motorcycle.

You cannot assume that your motorcycle insurance policy will still be valid if you loan your bike to a friend. The incident might not be covered if a claim is filed for an incident that occurred when your friend was using your bike.

If you plan on loaning your bike to other riders, discussing this with your insurance company is essential. 

Minimum coverage is adequate when it comes to motorcycle insurance.

Bikers sometimes think their motorcycle is small and won’t cause much damage. This leads them to believe that minimum coverage is adequate.

Remember that minimum coverage only provides liability insurance. This does not protect the value of your motorcycle. That’s why it’s always good to invest in more than minimum coverage. 

To learn more about motorcycle insurance in Meridian, ID, browse our website at Idaho Select Insurance. We’re eager to assist you with finding the ideal motorcycle insurance solution for your needs. 

Have questions about flood insurance? We are here to help!

Meridian, ID area residents can turn to the team at Idaho Select Insurance with all of their questions and concerns relating to insurance. We are dedicated to providing our clients with the information they need to make the right decisions for their unique situations.

Common questions about flood insurance

The most common question about flood insurance is, do I need it? While homeowners whose property is located in a flood zone have an easy answer of yes, for others, the question isn’t as straightforward. Even if your lender doesn’t require you to have a floor policy, there are still several good reasons to do so. Flood damage can be pervasive and difficult to remediate. Having a flood policy in place can help you repair a home that a flood has damaged.

Another common question is, doesn’t my homeowner’s policy provide coverage for flood damage? This is typically not the case. Even the most comprehensive home policies usually have exclusions related to damage and losses caused by flood water. This is not something that everyone knows, and it is a fact that can cause a lot of stress when they find out they are lacking coverage after an event has occurred. 

If you are wondering if you should add a flood insurance policy to your current homeowner’s protection, it’s worth researching the topic. Sitting down with your local agent is an effective way to learn more. 

Give us a call with all of your insurance questions!

Idaho Select Insurance is here for the Meridian, ID community. Let us help with all of your insurance needs. If you have questions about flood insurance, we are here to answer them! Contact our office today.

What Kind of Coverage Is Included With Most Boat Insurance Policies?

Owning a boat is a great way to enjoy the outdoors and spend time with family and friends. However, it’s important to remember that boats are also a significant investment. That’s why insurance is important in case something happens to your boat. But what kind of coverage is included with most boat insurance policies? This blog post will look at the types of coverage typically included with boat insurance policies.

1. Liability Coverage

This is the most important type of coverage for boat owners. It protects you from financial responsibility if you accidentally injure someone or damage their property while operating your boat. Most boat insurance policies include liability coverage for bodily injury and property damage.

2. Physical Damage Coverage

This type of coverage protects your boat from damage caused by weather, fire, theft, or collision. Having physical damage coverage is essential because it can be costly to repair or replace a damaged boat. Physical damage coverage can either be all risk or named perils. All risk coverage protects your boat from all types of damage, while named perils coverage only protects your boat from damage caused by the specific perils named in your policy.

3. Personal Property Coverage

If your belongings are lost, damaged, or stolen while on your boat, personal property coverage will reimburse you for the cost of replacing them. Most policies limit the amount of personal property coverage, so it’s essential to check with your insurer to see what is included in your policy.

4. Medical Payments Coverage

The coverage helps pay for the medical expenses of anyone injured while on your boat. It can help cover hospital bills, ambulance fees, and prescriptions. Medical payment coverage is typically limited to a certain amount, so it’s important to check with your insurer to see what is included in your policy.

Get Boat Insurance in Meridian, ID

As you can see, many different types of coverage are typically included in most boat insurance policies. This coverage can help to protect you financially if something happens to your boat or someone is injured while on your boat. If you’re looking for boat insurance, check out Idaho Select Insurance. We offer various policy options to choose from so you can find the perfect one for your needs.