With Idaho’s magical landscapes and beautiful roads, you’ll enjoy riding your motorcycle in the state. But before you get your motorcycle on the road, you must first get motorcycle insurance. And this is where you’ll need a reliable insurance partner like Idaho Select Insurance.

Here’s why you should have motorcycle insurance in Idaho.

Mandated by Idaho’s law

You must carry minimum liability motorcycle insurance for you to legally ride your motorcycle in Idaho. Riding without insurance will attract hefty fines, and you can also lose your license.

Protect Your Motorcycle

Collision coverage or comprehensive coverage protects your motorcycle against damage from collision and other forces such as floods, hurricanes, and vandalism. Collision and comprehensive coverage may vary depending on your insurance company and the amount of deductibles. That’s why you should seek professional help from an Idaho Select Insurance agent in Meridian ID.

Motorcycle Insurance Covers Medical Expenses

According to the NHTSA, motorcyclists and their passengers are 29 times more likely to die or sustain severe injuries in a crash compared to car occupants. That’s why you should carry medical payment coverage to cover your medical costs in the unfortunate event you’re involved in an accident.

Covers Rental Costs

When your motorbike is stolen or getting repaired, motorcycle insurance will cover the rental costs you’ll incur when you hire a temporary motorcycle. This gives you peace of mind any time you experience downtimes with your motorcycle.

Let Insurance Experts from Idaho Select Insurance Help You

It’s risky to carry minimum liability motorcycle insurance only. You need extra coverage to protect your motorcycle, yourself, your passenger, and third-party property damage.

With the many options for motorcycle insurance, it’s hard to select the most suitable one. But worry not, we have your back. Call us today to get a customized policy.

Your living situation determines whether you need a contents-only flood policy, a structure-only policy, or both. You might not have realized that three types of flood insurance exist. Until they go to buy it, most people think there is only one. Idaho Select Insurance wants you to fully understand how to choose the flood policy you purchase, so you can protect your Meridian, ID home or business.

Everything you read from the National Flood Insurance Program (NFIP) states that you need flood insurance if you live in specific areas. It does not mention that you need the right kind for your living situation. That means you purchase flood insurance depending on whether you own your home or you lease it.

A homeowner purchasing a flood insurance policy for their primary residence or vacation home needs to protect their home’s structure and its contents. That means they need a flood insurance policy that provides both coverage options – contents and structural.

A homeowner purchasing a flood insurance policy for their rental property or investment property needs to protect their home’s structure only. That means a structure-only flood policy. The exception to this is when they lease a furnished home. In an unfurnished structure, they would choose a structure-only policy since they only need to cover potential damage to the building itself.

A renter purchasing a flood insurance policy for the home or apartment they rent only needs contents only coverage. That’s because their landlord’s insurance policy covers the structure. The renter or leaser only needs to cover their own belongings.

Businesses obtain flood insurance, too. A business that owns its building and furnishes it needs a structure and contents policy. A business that leases its office space but owns its equipment needs a contents-only policy. An office building owner that leases its space needs a structure-only policy.

Contact Idaho Select Insurance serving Meridian, ID for more information on flood insurance. Let us help you protect your home and business.

You buy boat insurance to protect your watercraft while on the water, but it protects your boat everywhere else, too. Your boat insurance policy protects your boat on its trailer or in drydock or moored at the marina, too. Idaho Select Insurance serving Meridian, ID wants you to understand how boat insurance protects you and your watercraft.

Also called hull insurance, this policy works similar to the one on your car. You can pack a lot of coverage into one policy under one premium. Your collision coverage does protect your boat in the water. Your other types of coverage, though, protect your boat and the people in it, everywhere.

The comprehensive coverage protects you from hail, theft, vandalism, etc., while the liability protects you on and off the water. Let’s say you tow your boat from your home to the lake or ocean. On the way there, your trailer sways into another vehicle and causes an accident. You’re fine, but the other vehicle isn’t. Your vehicle liability does not cover this accident, but your boat insurance liability policy does.

If you cause an accident, you can rely on your medical payments coverage. It could also help pay the medical bills of those in the boat. If someone else causes an accident, on or off the water, and your boat incurs damage but they did not carry insurance, your uninsured/underinsured boater insurance kicks in to cover the damage. Adding personal belongings coverage means you can easily replace items stolen from or lost that you stored in your boat. This includes items like radar, small appliances, or fishing equipment. It applies whether you store your boat at your home, in drydock, or at the marina.

Contact Idaho Select Insurance serving Meridian, ID today for more information on boat insurance. Let us help you protect your investment.

Did you know that life insurance goes beyond term and whole life insurance? Well, there are many types of life insurance policies designed to provide financial security to your loved ones. It’s easy to feel overwhelmed over which policy to buy, especially if it’s your first time. At Idaho Select Insurance, we recommend going through the two main types before breaking them down to other policies. Once you know which type fits your needs, you can check other products in that category to determine what works for you. 

Your needs

Many people in Meridian, ID buy life insurance to provide for their families once they are gone, but that is not the only reason. In fact, you can buy life insurance for any financial reason under the sun. Knowing your life insurance needs will guide you into the type of policy that matches your financial goals. 

Your age

Age is often a factor when buying insurance, as it affects almost every aspect of your policy. If you are a senior parent, you may want to buy permanent life insurance instead of term life insurance. Younger people on a budget tend to choose term life insurance to match their future financial goals.

Your state of health

Most life insurance providers in Meridian, ID will require you to take a medical exam or answer specific medical questions to determine the state of your health. Typically, the healthier you are, the longer you’re likely to live and the less expensive the policy. For this reason, you may want to go for a policy that is more flexible and allows you to live your life as you wish. For instance, if you buy permanent life insurance, you don’t have to worry about losing money when the expiration date approaches.

Talk to us

Get a customized life insurance policy and protect your loved ones at Idaho Select Insurance. Our dedicated team of professionals is always ready to handle any challenge you might have when choosing coverages. Call us today.

If you rent a property in Meridian, ID, you should have renters insurance. It is essential that you make sure that you have protected your personal belongings in the house against theft, fire, and other uncertainties. At Idaho Select Insurance, we have been getting some critical questions from our insurance customers with regard to the cost of renters insurance. 

How Much Renters Insurance Do I Need?

This is a very generic question with regard to renters insurance. The most obvious answer is that the cost of renters insurance depends on the company you want to work with. Most of the insurance companies in the market charge different insurance premiums. That is why you need to make sure that you work with an insurance company that offers affordable premiums.

However, it is worth indicating that the cost of the renters’ Insurance may depend on how much you want to cover. Some people want to cover their properties to a certain limit. Others want to make sure that everything has been covered. There are some factors that you need to know when buying renters insurance. 

Consider Enough Coverage

You’re not required to cover the entire cost of your personal belongings. However, to avoid financial liabilities in the future, it is good to have comprehensive coverage that will give you other items if something wrong happens. Cover everything, including electronics, furniture, and personal items. 

Cover Valuable Items

Renters insurance is a very basic insurance policy. This means that most of the valuable items are not covered by this policy. To cover jewelry and other valuable items, it is worth it that you get a special type of insurance coverage.

Idaho Select Insurance stands out as the leading renters’ Insurance in Meridian, ID. You can call our insurance experts today for guidance on the best renters insurance policy.

You have your auto insurance, homeowners insurance, flood insurance, among others. But have you considered what would happen if you were sued for an amount larger than your current liability limits?

Umbrella insurance is what you need to deal with liability that exceeds the limits of your coverages. Note that umbrella coverage is not the same as excess liability coverage. The former may include risks that are not covered in the base insurance policies. For instance, if you’re accused of slander or libel, you may need to pay some amount in legal fees and damages. While the common insurance policies have no allowance for such risks, umbrella insurance will offer protection.

Would you like to learn more about umbrella insurance in Meridian, ID? Read on as our insurance experts at Idaho Select Insurance expound on this topic.

What Does It Cover?

Umbrella insurance will cover your household or business against lawsuits that touch on personal injury, property damage, defamation, landlord liability, among others.

The advantage of umbrella insurance is that it goes beyond paying your liability. It will pay for the legal costs as well. If the lawsuit ends up with you paying $1 million, umbrella insurance will go overboard and pay the legal defense fees. 

Other cases where umbrella insurance may apply are:

• Your son is involved in an auto accident, and the liability from the accident exceeds your auto liability limit
• A business sues you for defamation
• A guest visits your home, falls down the stairs, and sues you for medical costs that exceed your homeowners’ liability limit

Do You Need It?

Umbrella insurance isn’t mandated by law. However, you need it for your own good. If you own high-value assets, or you’re at a high risk of being sued, umbrella insurance is necessary.

Buy Umbrella Insurance Today

It’s rare to purchase umbrella insurance on its own. Most insurers offer it alongside major coverages such as auto, homeowners’ and renters insurance.

To buy umbrella insurance in Meridian, ID, reach out to Idaho Select Insurance for more information.

Do you rent an apartment or a home in Meridian, ID? If so, it is a wise idea to have a renter’s insurance policy. However, one of the most common questions we get from our policyholders is whether or not this type of coverage is required. Here’s what you need to know about getting a renter’s insurance policy from Idaho Select Insurance.

Is Renter’s Insurance Required?

Unlike auto insurance, there’s no specific law stating that you have to carry renter’s insurance. Frankly, the State of Colorado doesn’t care if you don’t have protection for your personal stuff.  However, your apartment complex or leasing company could still require that you have it. Why is this possible?

Most property managers specifically add this to their lease contracts to protect tenants. If there’s a fire, serious storm, or other incidents that renders your home unlivable, they want to make sure that you have protections in place to find temporary lodging and replace your personal belongings. 

What If Your Property Manager Doesn’t Require Renter’s Insurance?

If your lease doesn’t specifically require renter’s insurance, it is still a good idea to go ahead and get a policy. This type of insurance helps replace your personal property in the event of a claim, which can be helpful if you ever experience theft or otherwise have to replace these items.

In addition, there’s a very good chance you could save money on your auto insurance. A lot of major carriers offer a discount for those who have multiple policy lines, which means you could find yourself saving money just for adding this extra layer of protection.

Do you have more questions about buying renter’s insurance in Meridian, ID? Please contact our team at Idaho Select Insurance today to schedule an appointment.

Idaho which is well known for its incredible canyons, rivers, and deserts has some of the best motorcycle riding in the country. In order to safely enjoy your motorcycle riding and to protect your investment in your motorcycle, you should be aware that Idaho has a “fault-based” liability system. Therefore, if you only carry minimum liability insurance and do not have sufficient additional insurance coverage, you could be personally liable and personally responsible for all losses due to an accident. Read on to learn more about the importance of having comprehensive motorcycle insurance and other optional motorcycle insurance coverages that are available from Idaho Select Insurance in Meridian, ID.

Minimum Liability Motorcycle Insurance is Required in Idaho

In Idaho, state law requires that motorcycles carry a minimum amount of liability coverage for injuries and damage to property.

This means that all motorcycles must be insured for at least $15,000 for property damage per accident, $25,000  for death or injury to one person per accident, and $50,000 for death or injury to two or more persons per accident.

Optional Motorcycle Comprehensive Coverage

Motorcycle comprehensive coverage can be purchased to pay for vehicle repairs or to replace the motorcycle if it has been stolen. It also covers fire, flood and hail damage.

Uninsured or Underinsured Motorist  

Uninsured or Underinsured Motorist coverage for motorcycles covers accidents with drivers who either have no coverage or who have too little coverage to be responsible for the losses you incur from the accident.

Med Pay

Med Pay covers medical benefits and costs for you and any passenger.

Call Idaho Select Insurance today for a free motorcycle insurance quote. Idaho Select Insurance serves both Meridian, ID, and the surrounding Ada County Idaho area.

The Meridian, ID area can be a wonderful place to live. Due to this, those that come here and want to stay should consider buying their home. If you do decide to purchase a home when you are in this area of Idaho, you will want to get the right insurance for it. One type of insurance that you may need for your home is flood insurance. There are several factors that could determine whether or not you should get flood coverage for your property. 

Home is in a Flood Zone

One factor that will determine if you need flood insurance for your property is if your home is located in a flood zone. If you do have a property that is located in a designated flood zone, there is a good chance that your mortgage provider will want you to have flood insurance in place at all times as it will give great protection for their collateral.

Flood is a Concern

Even if you are not in a flood zone, or you are not required by a lender to carry coverage, there are still situations when you will need to have flood insurance. If there are rivers, lakes, or other waterways located nearby you, they do pose a risk of a potential flood. If you do not have any coverage through home insurance, you may need to get flood insurance to properly protect your home and provide you with peace of mind. 

There are plenty of situations when someone in the Meridian, ID area will need to have flood insurance. If having flood coverage is necessary for you, it would be a good idea to call Idaho Select Insurance. The team with Idaho Select Insurance can help you to understand your needs and options and give you support in picking a new policy.