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.

Is whole life insurance right for you?

If you live in the Meridian, ID area and are wondering if a whole life insurance policy is right for you, it’s time to get to know the team at Idaho Select Insurance. A whole life insurance policy offers many advantages that can help protect your family now and in the future. Give us a call today and find out more!

Is a whole life policy the right move for you and your family?

One of the main advantages of a whole life insurance policy is the cash benefit. In addition to a death benefit, a whole life policy can build cash for as long as the policy is in force. This means that there are living benefits that you and your family could take advantage of. Many people use the cash proceeds from their whole life policies for significant life expenses like college tuition, home renovations, and retirement. 

Parents with young children are rightly concerned about protecting their families from the untimely death of either parent. But, with a whole life policy, there are benefits available throughout the insured lifetime. A whole life policy may be right for you and your family if you want to accumulate cash while preparing for an untimely death. The premiums can be greater than those of a term life insurance policy, but the benefits are also more significant. It can be a great way to prepare for the future.

Let us help you with all of your insurance needs!

Residents in the greater Meridian, ID area can rely on Idaho Select Insurance for all their insurance needs. If you have questions about life insurance, we are here to help. Contact our office today and set up an appointment to learn more. You’ll be glad you did!

Reasons you may need to increase your liability coverage

Homeownership comes with risks, but you can feel safe with the right home insurance. There are some things. However, that can increase the amount of risk you face. When you have increased risk, it is vital that you also raise the amount of liability coverage you have so that your assets are protected. At Idaho Select Insurance in Meridian, ID, we offer our customers the benefit of our experience in home insurance liability. As independent insurance agents, we also offer more options. 

Man’s best friend

So you’ve always dreamed of having a dog, and now that you have a home, the time seems right. It is hard to imagine that a dog could be why you need more liability insurance on your home. In reality, some dogs are considered so high a risk that your home insurance won’t even insure them. Hopefully, you need to check with your insurance agent before you get your dog. Choosing a breed that will at least be covered is a good idea, and realizing that you need more liability insurance is also vital for your financial security. 

A trampoline

Kids love them. There is no doubt about that. Even some adults can’t resist jumping on one if they see it. Unfortunately, injuries are too common as people bounce themselves off the trampoline and land on the ground, or land badly and injure themselves. It’s a lawsuit waiting to happen. 

Swimming pool

Even with fencing, making a swimming pool 100% safe is hard. Kids climb, and so do teens, and, in the warm weather, a pool is a great temptation. Injuries and drowning happen way too often. You need to protect yourself with enough liability coverage. 

Contact Idaho Select Insurance in Meridian, ID when you have questions about your home insurance coverage. 

4 Add-ons to Consider for Your Auto Insurance

While your auto insurance does an incredible job of protecting you and your vehicle, sometimes it can fall short. However, don’t worry because insurance has “add-ons” which can boost your auto insurance policy to make up for the shortcomings of your coverage. Considering auto insurance add-ons in Meridian, ID? Idaho Select Insurance gives a rundown of 4 “riders” you can consider to enhance your auto insurance policy.

Depreciation cover

Have you ever wondered about the value your insurer will compensate you if your car is totaled or stolen? The value will likely be less the depreciation factor, meaning you have to top up if you want a similar vehicle like yours. It’s never good news to know you will pay more out-of-pocket expenses beyond the deductible. Luckily, you can consider the deprecation cover “rider” to cushion you against depreciation when the insurer compensates you when your vehicle is stolen or totaled.

Roadside assistance

Suppose your vehicle acts up while miles away from your residence. The first instinct is to call your relatives and friends, but they may be too far to offer any help. But guess what? If you have a flat tire, dead battery, or run out of gas, you don’t have to spend hours stranded on the road. Invest in roadside assistance coverage, and car breakdowns don’t have to hold you hostage on the road.

Custom parts and equipment coverage

If you are into tuning or “modding” your car, you should invest in this coverage. Typical car insurance only covers built-in or “stock” parts. In light of this, if you have custom seats or a state-of-the-art sound system, consider custom parts coverage.

Gap insurance

If your car is totaled, your insurance will write you a check for the value of your vehicle at your time. If you have an outstanding loan that’s more than the insurance compensation, you will have to top up the difference from your pocket unless you have gap insurance.

Want to consider auto insurance add-ons in Meridian, ID? Please get in touch with Idaho Select Insurance.

Who Needs Umbrella Insurance in Meridian, ID?

Umbrella insurance is extra liability protection that steps in when your other coverages deplete. Its commonly referred to as personal or excess liability. Everyone needs to think of liability risk and what they should do in the event of a considerable accident. Without a proper policy, significant liability claims can deplete your assets. If you live in Meridian, ID, one way to protect yourself against these liability risks is to have umbrella insurance. But is umbrella insurance for everyone? Let’s look at who needs umbrella insurance prepared by Idaho Select Insurance.

  • Anyone at risk of non-covered occurrences: Your other home and auto insurance policy only covers some liability risk. Umbrella insurance will be good for you if you risk non-covered liabilities like libel or slander.
  • If you have assets: If the insurance you carry is less than the total value of your assets, then you need umbrella insurance to protect your investments.
  • If you own a business: Besides commercial insurance, umbrella insurance is also ideal for business owners. Your services or products may cause harm to your customers, which may result in costly lawsuits. Your umbrella insurance will step in such cases.

Other reasons why you need umbrella insurance include:

  • If you own a pet, swimming pool, or have a teenage driver, then umbrella insurance make sense for you
  • If you entertain people in your home, you are also at risk of lawsuits
  • If you participate in dangerous sports

Umbrella Insurance in Meridian, ID

Umbrella insurance is worth the investment. Besides the many benefits it comes with, it is pretty affordable. If you are in Meridian, ID, and looking for umbrella insurance, look no further than Idaho Select Insurance. Call us today for a quote.

What does renters insurance cover?

Renters insurance is similar to any insurance policy in that it’s designed to protect you and your belongings. However, unlike homeowners insurance, renters insurance isn’t designed to protect the structure/dwelling itself, just the property within the structure. Many renters opt out of investing in this type of coverage. However, there are many benefits and protections that this form of insurance provides. Our team at Idaho Select Insurance is committed to educating Meridian, ID renters on the protection and benefits that renters insurance can provide. 

What is Covered Under Renters Insurance?

Renters’ insurance is designed to provide three different forms of coverage/protection. It provides coverage for your personal property, additional living expenses if you have to leave your dwelling due to damage or if it becomes uninhabitable, and liability coverage and protection for injuries or damages to other people’s property while at your dwelling. 

Renters insurance also provides coverage for damage or losses you may incur as a result of certain natural disasters or perils. These natural disasters include windstorms, hail, fire, lightning, snow/ice collapse, and rain. Other coverage includes smoke damage and damage caused by falling objects. Theft is also covered under a renters’ insurance policy. 

In other words, if you’re forced to leave your location or dwelling because it’s uninhabitable, renters insurance will cover your displacement by paying for your living space. It will also cover the theft of items outside of your home. It also provides liability protection for people who visit your home and get injured or suffer damage to their personal property. If you have questions about renters insurance, give us a call. We’d be happy to answer your questions and discuss your options. 

How does customizing a motorcycle affect insurance coverage?

How does customizing a motorcycle affect insurance coverage?

When you customize a motorcycle, you can affect the insurance coverage, counsels Idaho Select Insurance, serving Meridian, ID. If you’ve owned a bike before or you used an online quote or estimate service, you still don’t have an accurate idea of the cost of insurance. If you customized after purchasing the bike and the insurance policy, you may have invalidated your policy, or your customizations aren’t covered.

You can fix both of those situations easily by phoning us to let us know you altered your motorcycle. We can help you update your insurance.

Now, we’re not talking about something like putting a trunk on the back of your bike so you can haul a couple of bags of groceries. You’re safe in that. Let’s say you had a custom paint job done. Your beautiful artwork remains uncovered by your insurance until you update it. The same remains true with custom handlebars, custom framework, or engine upgrades.

You definitely don’t want just the minimum coverage on a custom bike. Why? Because minimum insurance, as required by the state, only covers the other guy, so to speak. It consists of liability and property damage insurance that only pays for damage that you caused to another individual’s vehicle or ride.

You need full coverage to cover all the possible damage that could occur to your bike. Collision and comprehensive cover damage to your bike in a no-fault, single vehicle, and named peril situations. You’d have repair or replacement covered if you hit a fencepost or lighting struck your bike.

Before you buy a custom bike or customize your existing bike in Meridian, ID, call us at Idaho Select Insurance. We’ll let you know what the premiums will cost with a custom quote to fit your custom bike.