The Importance of Motorcycle Insurance for Rider Safety

Making Sense of Motorcycle Insurance for Riders

Motorcycle insurance doesn’t solely cater to the motorcycle operator. Idaho Select Insurance, serving Meridian, ID, and adjacent areas, insists that all responsible motorcyclists and their passengers understand how motorcycle insurance also guards riders.

Understanding Financial Protection

Beyond safeguarding drivers’ belongings, motorcycle insurance also covers riding passengers. For example, if a passenger’s possessions left in a saddlebag are stolen while you dine at a restaurant or shop at a store, the losses incurred by your passenger get covered just as your losses would be.

Ensuring Peace of Mind

Those unfamiliar with motorcycles often harbor apprehension about riding. Thus, until your driving skills and safety measures become evident, your bike passengers gain added peace of mind knowing that they get coverage for liability for bodily injury and property damage, comprehensive and collision coverage, and potentially uninsured/underinsured motorist coverage, depending on the policy you choose.

Seeking Legal and Medical Support

Speak to your insurance representative for specifics about your unique situation, but largely, motorcycle insurance policies offer additional benefits like legal representation in claims occurrence and medical payments coverage.

Projecting Responsible Riding

The presence of a robust motorcycle insurance policy signals to your passengers that you take your riding seriously. Apart from insisting that all your riders wear helmets, you can safeguard your passengers further by carrying sufficient motorcycle insurance. For assistance, reach out to Idaho Select Insurance. We hope to be your insurance partner!

Four Things to Ask Your Agent About Flood Insurance

If you’re buying a house or looking to update coverage on one you already have, it’s essential to ask your agent about flood insurance. At Idaho Select Insurance, we want to help every homeowner in the Meridian, ID, area get the quality coverage they need to protect themselves and their belongings. That’s why we offer flood coverage from several different insurers. We can provide you with quotes and answer your questions so that you can get the proper type and level of protection.

Homes that are in flood zones and have mortgages on them are generally required to have flood policies. Other homes won’t require them, but that doesn’t mean they shouldn’t have them as added protection. Not only do these policies give additional coverage, but they can also increase your peace of mind and feelings of security so you can more fully enjoy your home.

Before getting a flood policy, be sure to ask your agent:

  • Does my home require flood insurance?
  • How much coverage is recommended?
  • How often should I update my policy?
  • What do I do if I have a claim?

Once you have the answers to these questions, you can have more confidence that you have the right policy for your needs. Depending on the exact location of your home, its size, its age, and other factors, there may be several good insurance options to protect you from flooding. Don’t settle for less than the right level of protection for all your needs.

Contact us at Idaho Select Insurance today if you’re in the Meridian, ID, area and need a flood insurance policy. We’re here to make it easy and convenient for you to get the coverage you need. Then, you can return to living your life and put your worries to rest.

Why Umbrella Insurance Is Important for Meridian Area Businesses

Company owners in the greater Meridian, ID area turn to the team at Idaho Select Insurance for their commercial insurance needs. We’re here to provide you with all the details you need to make informed decisions about your insurance. Now’s an ideal time to learn more about the benefits of umbrella insurance and the policy options that are available in our area.

Benefits of Umbrella Insurance for Area Business Owners

If you own a business, you know all the hard work and dedication necessary to build and sustain a successful company. As your firm grows, you might find that your liability risk also increases. Fortunately, adding an umbrella insurance policy to your existing primary policy can often provide the protection you need.

Having a supplemental umbrella policy can be a lifesaver when your primary policy meets or exceeds its coverage limit. Liability coverage is especially important for business owners whose companies operate in industries that experience a lot of lawsuits. Slip and fall cases and their associated damages can add up rather quickly. If your industry requires heavy interaction with the public, you’ll want to review your current liability coverage carefully.

Our team of friendly and well-informed agents can help you determine which types of policies and coverage amounts are appropriate for your needs. Contact our office today to learn more and to schedule an appointment to review your current insurance protection needs.

Contact our office today to schedule your appointment

Idaho Select Insurance is proud to serve the Meridian, ID business community. If you’re interested in learning more about the ways that an umbrella insurance policy can help protect your business, schedule your appointment today. We look forward to working with you!

Tiny House Renters Insurance: Coverage for Compact Living

The tiny house movement has gained momentum in the Meridian, ID area as people seek a simpler, more sustainable lifestyle. While the charm of small living is undeniable, tiny house renters must consider the unique insurance needs associated with these compact dwellings. 

Coverage Elements for Tiny House Renters Insurance

When seeking insurance for a tiny house rental, renters should consider the following coverage elements:

  • Personal Property Coverage: Protects personal belongings within the tiny house, including furniture, appliances, and other possessions.
  • Liability Coverage: Provides protection if a guest is injured on the property, helping cover medical expenses and potential legal costs.
  • Additional Living Expenses Coverage: If a covered event makes the tiny house uninhabitable, this coverage assists with temporary living arrangements and associated costs.
  • Transportation Coverage (if applicable): Coverage for tiny houses on wheels should extend to transportation-related risks, including accidents during relocation.
  • Off-Grid System Coverage (if applicable): If the tiny house relies on alternative energy sources, specialized coverage may be needed to protect these systems.

Choosing the Right Insurance Provider

Selecting the right insurance provider for tiny house renters insurance involves considering the unique features of small living. Providers with experience in insuring non-traditional dwellings and understanding the specific risks associated with tiny houses can offer tailored coverage.

Premium Considerations

Factors influencing insurance premiums for tiny house renters may include:

  • Location: The geographical location of the tiny house can impact insurance costs, considering factors like climate and environmental risks.
  • Security Measures: Implementing security measures like alarms and locks can lower insurance premiums.
  • Claims History: A clean claims history demonstrates responsible living practices and may result in lower premiums.

Idaho Select Insurance Can Help You

At Idaho Select Insurance, we can help answer questions concerning renters’ insurance. We serve the Meridian, ID area. Contact us today. 

Smart Riders Ride with Motorcycle Insurance

It is hard to compare anything to the feeling, freedom, and joy of being on the open road in places like Meridian, ID with the wind in your face and that engine between your legs. And it is also difficult to argue the importance of motorcycle insurance, and that is where our team at Idaho Select Insurance can help.

Not only does motorcycle insurance keep you legal and protect that beautiful ride beneath you, but it is also a smart thing to do. There are many reasons to hit the open road on your favorite ride and just as many reasons to consider insurance with trusted insurance partners like Idaho Select Insurance.

Another Part of Your Equipment

Whether riding the trails, taking in the beautiful scenic wonder that Meridian, ID offers, or taking your favorite two-wheeled ride to work that day, safety is always first for smart motorcyclists.

We all know the numbers, and the media hasn’t been shy about sharing the dangers of riding a motorcycle. So, safety isn’t ever far from the mind of those who ride safely. That also means including motorcycle insurance on your list of safety equipment. 

Eye protection, check. Helmet, check. Mirrors aligned, check. Proper footwear, check. Motorcycle insurance? With Idaho Select Insurance, you can say "check" with confidence. You take the necessary precautions when riding, and you can let the pros at Idaho Select Insurance take care of you if you ever need them.

Ride Smart with Idaho Select Insurance

Thank you for taking the time to visit Idaho Select Insurance and our helpful team. We are here to help riders stay safe and protect their rides with motorcycle insurance they can depend on. Contact us to learn more, and ride smart and be safe with Idaho Select Insurance today.

What Is Flood Insurance Supposed to Cover?

Do you need flood insurance? If you have flood insurance, what does it cover?

These are common questions for homeowners, even in Meridian, ID. In light of that, we at Idaho Select Insurance want to give you some quick and easy answers.

Types of Flood Insurance

The first thing to understand is that a flood insurance policy does not cover damage from all water sources. It is intended to cover against damage brought on by a flood. Specifically, that means water from weather events. If a pipe bursts in your house and causes a flood, flood insurance usually does not cover that.

Things get even more complicated when a weather-related flood causes a plumbing problem that floods a house. This type of thing is assessed on a case-by-case basis.

The short answer is that extreme weather events that cause flooding are covered while other sources of water and flooding typically are not.

Types of Damage from Flood Insurance

Flood insurance also looks at different types of damage. It might cover building damage or building contents (or both).

Building damage refers to the building and its infrastructure. This type of coverage might help you repair damaged plumbing, replace walls, and carry out any other repairs related to the structure itself.

Content damage refers to things you own in the house, like clothing or furniture. Plenty of flood policies offer help with this type of coverage, too.

There is one exception to note. Generally, flood insurance does not cover flood damage within a basement.

Remember That Policies Vary

That’s the gist of what you can expect from flood insurance, but it’s important to remember that policies always vary. On top of how they vary by provider, flood policies vary by location. After all, a place like Miami has different flooding risks and concerns than Boise or Meridian, ID. Considering that, it’s always important to review your exact policy.

If anything is unclear, you can always speak with an expert. You can talk with your Idaho Select Insurance representative and discuss any questions you have regarding flood insurance. We’ll be happy to hear from you.

Do I Need Boat Insurance in Idaho?

According to the law, you’re not required to have boat insurance in Idaho. However, boating has many risks, and it’s good to know that you don’t have to pay for damages out of pocket in case of an accident. At Idaho Select Insurance in Meridian, ID, we are happy to help you understand the different policies available to cover your vessel.

Advantages of Boat Insurance Coverage

There are many advantages to maintaining coverage for your small or large watercraft. Although you don’t have to have boat insurance in Idaho, your lender will probably require it if you’re still paying off the loan. Additionally, you can add coverage to pay for damages inflicted by an uninsured boater.

Taking a boater safety course can significantly lower the cost of insurance. For more information on optimizing your boat insurance coverage, contact one of our knowledgeable agents.

Types of Boat Insurance

There are three basic types of boat insurance: property, liability, and medical. However, there are other policies available to meet your preferences.

Property Insurance for Your Boat

Your property insurance covers the physical components of your boat, including the hall, furnishings, permanently attached equipment, machinery, and fittings.

Liability Coverage

If you cause an accident on the water, liability coverage can prevent financial losses by paying for related damages to other vessels.

Medical Payments Coverage

If you or your passengers sustain injuries while enjoying time on your boat, medical payment coverage can pay for the resulting hospital bills and other medical expenses.

Uninsured Watercraft Coverage

If an uninsured watercraft collides with your boat, you can pay for damages out of pocket. However, you can also add uninsured watercraft coverage to handle this contingency.

Contact Idaho Select Insurance in Meridian, ID to learn more about boat insurance or to get your coverage started today!

Exploring Different Riders and Add-ons in Life Insurance Policies

Life insurance is essential to any sound financial plan, especially if you have loved ones in Meridian, ID who depend on your income. Idaho Select Insurance explores some of the life insurance policies’ most common riders and add-ons. 

1. Accelerated Death Benefit Rider

The Accelerated Death Benefit Rider is an additional feature that enables you to obtain a part of your death benefit before you die if you have less than 12 months to live due to a terminal illness. This rider can assist you in covering medical costs or other expenses you might incur in your last days.

2. Waiver of Premium Rider

The Waiver of Premium Rider is an additional option to add to your life insurance policy. If you become disabled and cannot work, this rider will waive your premium payments. This means that you don’t have to worry about losing your life insurance coverage if you can’t pay your premiums due to a disability.

3. Child Rider

A Child Rider is an add-on that provides coverage to your children in the event of their death. This rider typically covers the policyholder’s biological, adopted, or stepchildren at a lower cost than a standalone policy.

4. Accidental Death Benefit Rider

The Accidental Death Benefit Rider provides additional payment if your death is caused by an accident. 

5. Long-Term Care Rider

The Long-Term Care Rider is an add-on that provides financial coverage in case of chronic illnesses such as Alzheimer’s, Parkinson’s, and other similar conditions. This rider can give you financial assistance for nursing home care or home health care.

Riders and add-ons can be added anytime during the policy term, providing great flexibility to policyholders in Meridian, ID. Contact Idaho Select Insurance today to learn more.

What Are the Different Types of Home Insurance Policy Options?

There are several different types of home insurance policies on the market. The trick to choosing the right one is getting the professional assistance necessary to understand and match the policy to your specific needs. Our team at Idaho Select Insurance are committed to helping the residents of Meridian, ID find the right insurance they need for their homes.

Types of Home Insurance 

There are three types of home insurance available for most homeowners. The first is actual cash value, which covers the cost to replace your home in the event of a total loss calculated when your home is built. According to the market, replacement cost insurance factors in the current price to replace the house. The most comprehensive insurance policy is the guaranteed policy or, as it’s also known, the extent of the replacement cost policy. This policy will guarantee that you can rebuild your home exactly like it was when it was new, despite the house’s current market value.

If you need help deciding which policy works best for your situation, our team can help. They can carefully assess your situation and recommend insurance options that meet or exceed your current and future needs. Not only do we assist you with purchasing an insurance policy, but we will also provide exceptional customer service for the lifetime of that policy. Our services include assisting with any changes, submission of documents, and even helping with claim submissions.

Find Out More 

If you want to learn more about home insurance and your options, please call or stop by Idaho Select Insurance to speak to an insurance agent. We can provide answers to any questions and hope you get started on the process of finding insurance policy options that offer the residents of Meridian, ID some peace of mind.

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.