Flood insurance for the Meridian, ID location is essential for protecting your property against water damage from natural disasters like hurricanes or heavy rain. However, like other types of insurance, flood insurance comes with exclusions—specific situations and damages it does not cover. Knowing these exclusions is crucial to ensure you have the right coverage and avoid unexpected costs.

Key Flood Insurance Exclusions

Flood insurance, offered through the National Flood Insurance Program (NFIP), covers direct damage caused by flooding. However, it does not cover all types of water damage. One common exclusion is sewage backups. It will only handle these types of situations when flooding causes the incident. Similarly, moisture or mold damage that occurs gradually due to neglect or poor maintenance is usually not covered.

Another important exclusion is damage to landscaping, patios, and outdoor structures like pools or decks. Flood insurance typically focuses on the building’s structure and its essential systems, such as electrical, plumbing, and HVAC, as well as some personal belongings, but it will not cover damage to areas outside the home.

Comparing Exclusions with Other Types of Insurance

Unlike homeowners or renters insurance, which often includes some coverage for water damage (such as from burst pipes or leaks), flood insurance is much more specific in areas that it covers. Homeowners insurance generally does not cover flooding at all, requiring a separate flood insurance policy. Conversely, other types of insurance may cover damage from weather events like wind or hail, but they won’t cover rising water due to floods.

Idaho Select Insurance For Better Understanding of Insurance

Idaho Select Insurance offers all of the information you need to get insurance. Our agency serves the locations in and near Meridian, ID. Call today.

If you’re planning on hitting the road with your boat on a vacation, you’ll want to make sure you do all you can to secure it. Below are the best tactics to put in place so that your boat is protected when traveling to and from your destination. 

1. Strap it Down

Even if you have one of the best and strongest boat trailers available, you still need to ensure you’re strapping your boat down to it. Traveling over long highways can hit bumps, and poor road conditions can cause your boat to bounce. If the boat isn’t secure with heavy straps, it could bounce off the trailer and be damaged. 

2. Cover Your Boat

Before you apply the final straps to your boat, you’ll want to put a cover on the boat first. This keeps debris and environmental elements from damaging the windshield and interior of the boat. A heavy-duty cover will protect the boat’s shell, even if you travel under low-lying trees along the highway. Once you park your boat trailer, you can leave the cover on it when you aren’t using it for additional protection until you head home. 

3. Make Sure Your Trailer is Locked

While you have your boat in a trailer while traveling, you want to keep it secure so it can’t be stolen at night. Lock the trailer and hitch so that a vehicle can’t be hooked to the trailer and carry the boat off. It’s also a good practice to set an alarm on the boat so that if there is movement or someone attempts to start the boat, you’re notified right away. 

If you’re in the Meridian, ID area and need boat insurance, contact our team at Idaho Select Insurance today for more information. 

Almost every parent will attest to how life changes after having a child. Adding a child to your family alters your sense of responsibility and priorities and brings about various practical considerations. For instance, a child has to be clothed, fed, protected, and educated. Consequently, having a child often triggers parents to consider life insurance.

At Idaho Select Insurance, we are here to support new parents in Meridian, ID. We can help you customize a life insurance plan that protects your newfound family now and in the future.

Replace Lost Income

Besides covering the insured’s final expenses, life insurance’s primary purpose is to replace potential lost income from a family breadwinner. Therefore, young parents should plan for income replacement in the event of an unthinkable situation.

Provide for a Child’s Care

As a parent, you want to ensure that basic childcare and protection needs are met. Life insurance can be instrumental in accomplishing this goal.

Future Education

Parents with foresight and financial resources may desire to establish provisions for their children’s future educational expenses. Given the significant cost of college, starting planning in advance is critical.

How Much is Enough?

If you’re a new parent wondering how much life insurance is enough, we’re here to help. We can guide you in planning for both immediate and future funding.

Get a Quote Today

If you’re a new parent in Meridian, ID, and are considering life insurance, we invite you to contact us at Idaho Select Insurance. We can address any questions you have and show you various options to meet your life insurance objectives.

Asset protection is crucial regardless of whether you own a business, a house, a vehicle, or all of them simultaneously. You’ve put in immense effort, spent countless hours, and dedicated years to acquiring your possessions – they genuinely represent the fruits of your labor. It’s only natural that you’d want to ensure they’re safeguarded. This reason explains why individuals throughout Meridian, ID, choose the experienced and friendly team at Idaho Select Insurance for their insurance needs.

Experience the Assurance of Additional Protection

Insurance can be a helping hand during difficult times, alleviating the financial burden of repair costs, medical bills, and more. We understand how much you rely on insurance and believe it should never be a source of uncertainty. After all, you’ve worked pretty hard to be left wondering if you have adequate coverage, right?

This is where our supplemental umbrella insurance plans come in. They offer that little extra protection for anyone who owns anything – from a business to a personal vehicle. These policies provide additional coverage beyond your standard policy limits, offering you peace of mind and the assurance of protection.

Umbrella Insurance Services in Meridian

Our skilled and friendly team at Idaho Select Insurance has your back for residents of Meridian, ID, and its environs who are interested in the extra protection an umbrella insurance policy can provide. Reach out to us to understand better how this coverage can benefit you. Let us help you get the coverage and assurance that insurance should provide. Get the protection you work hard for and truly deserve.

Considerations For Shared Renters Insurance Policies

Many companies offer renters insurance policies that roommates can share, making them a convenient and cost-effective solution for many. However, several factors must be taken into account before deciding on a shared policy. The Idaho Select Insurance team, serving the Meridian, ID area, is here to guide you through these considerations.

The Pros And Cons Of Roommates Sharing A Policy

Roommates commonly share renters insurance policies for the convenience of having a single bill and the potential for cost savings. However, difficulties may arise. For example, who is responsible for the continued premium payments if one roommate moves out? Disagreements on cost-sharing can ensue, particularly if one roommate owns more valuable items than the other.

Implications of Shared Policy on Your Insurance Record

Another crucial consideration is the impact of making a claim on a shared policy. When your name is on the shared policy, every claim becomes part of your seven-year insurance record; a roommate’s claim also forms part of your long-term insurance history. This element is particularly significant if you do not have a well-established relationship with your roommate(s), as a shared policy is a joint legal obligation.

Reach Out To Idaho Select Insurance

Idaho Select Insurance in the Meridian, ID, area is ready to help you formulate a plan tailored to your insurance needs. Protect yourself and your belongings by contacting us today.

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!

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.

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!