Idaho Select Insurance serves Meridian, ID, as well as the surrounding areas by offering residents multiple types of insurance coverage. We want to help our clients find policies that will allow them to live comfortably.

Umbrella Insurance Myths To Avoid

As you navigate life’s challenges as a Meridian, ID resident, an unexpected event may occur that causes problems. Umbrella insurance is beneficial because it offers a safety net if a disaster occurs. Primarily, the policy will cover you if you are involved in a potential liability dispute. While you are researching policies, avoid some of the misinformation out there regarding umbrella insurance.

Umbrella Insurance Is Only For Wealthy People

This is incorrect. Umbrella insurance is an asset regardless of your income. Accidents can occur regardless of your income level. Umbrella insurance protects your assets if someone falls while visiting your home or if your pet accidentally bites someone.

I Can Use Umbrella Coverage As A Substitute For Another Policy

This is incorrect. Umbrella Insurance does not act as a substitute for another type of policy. Umbrella insurance assists you if you are involved in a serious liability issue that could potentially impact your home or auto policy. Umbrella insurance does not actually take the place of your home or auto insurance policy.

Umbrella Insurance Covers Personal Items

This is incorrect. Umbrella insurance does not cover any damages to your personal items. The policy is not intended to cover your personal items if they are stolen. You can only use umbrella insurance to protect your assets if you are involved in a serious liability dispute.

Consult With Idaho Select Insurance

For more information on umbrella insurance, visit our website today!

They say the holidays are the most wonderful time of the year. This may be true, but it can also be a season filled with unexpected damage and mishaps. In order to make sure your rental home makes it through the holidays, it is important to have renter’s insurance activated. At Idaho Select Insurance, we understand that you can’t make good insurance choices without good insurance information. Keep reading to find out why you should consider purchasing renter’s insurance before the holidays. 

Some Holiday Traditions Can Be Dangerous 

Around the holidays we start doing stuff we don’t normally do. We are lighting more candles. We are putting a new strain on our electrical systems with fancy light displays. We are moving large evergreen trees right into our living spaces. These holiday traditions can carry with them a certain risk factor if we are not very careful. Renter’s insurance is there to protect you in the event that a disaster strikes this holiday. 

More People Equals More Accidents

We love having our families come in for the holidays, but let’s be honest, sometimes disaster can follow our families right on into town. The fact is, the more people you have in your home the greater the risks are for accidents. The personal liability coverage you’ll find with most renter’s policies will make sure that you are not held liable if someone gets hurt this holiday season. 

When Alcohol Is Involved

Another risk factor of the holiday season revolves around the fact that more people are "making spirits with bright," with actual spirits, ie. alcohol. Whenever alcohol is involved the risk factor for accidents and disaster ratchets up quite a bit. Make sure your rental home is covered from any and all holiday mayhem with sufficient renter’s insurance. 

If you would like to learn more about renter’s insurance, please contact us at Idaho Select Insurance, serving Meridian, ID. 

Owning a motorcycle can be a great option for anyone that is in the Meridian, ID area. If you are going to purchase a motorcycle in this area of Idaho, you will have a vehicle that is fun, efficient, and reliable. If you do purchase a motorcycle here, you should also spend time considering your insurance needs. There are several reasons why someone here needs to get a motorcycle insurance policy.

It’s a Legal Requirement

One of the reasons that you need to have an insurance policy for your motorcycle is that it is a legal requirement. In Idaho, anyone that is going to operate a vehicle on public roads needs to carry valid liability insurance. This includes people that want to operate a motorcycle. If you do not have motorcycle insurance and are caught without it, you could lose your license or be otherwise penalized. 

Protects Asset

Anytime you purchase a motorcycle you are going to be making a big investment and purchase. Due to this, you should look for ways to protect your investment as much as you can. A great way that you can do this is by getting a motorcycle policy that will also include collision and comprehensive insurance as it can protect against a variety of risks. 

There are many reasons why someone in the Meridian, ID area should get a full motorcycle insurance policy. If you would like to get this type of insurance, you should make sure that you get proper guidance and support. The team at Idaho Select Insurance knows how important it is to get proper insurance coverage for this asset. Idaho Select Insurance can answer any questions that you have, address your concerns and help you to build a personalized policy that meets your needs. 

Although Idaho does not have a legal requirement that boat owners must carry insurance on their vessels, it is highly recommended given the risks associated with boating and the investment made into the watercraft. Let’s take a look at three reasons why boat insurance is a no brainer purchase.

1. Inclement Weather

Contrary to public opinion, bad weather doesn’t have an offseason and can strike at any time leading to costly repairs on your boat. Even if you store your boat during the winter months, that doesn’t mean that a flood, fire, or another type of natural disaster cannot damage your vessel. Consequently, having boat insurance means that you are covered for natural disaster-related damage up to your policy limit and minus your deductible.

2. Homeowners Insurance Doesn’t Cut It

If you store your boat on your property, it may be tempting to believe that your homeowner’s insurance policy will cover the vessel; however, this is largely not true. While it will offer some form of coverage while it is on your property, the amount will be significantly less than the boat’s value and nowhere close to what a traditional boat insurance policy will cover which includes comprehensive, property damage, bodily injury, and collision.

3. The Marina May Require Boat Insurance

Even though Idaho does not require boat insurance, it may be required by the storage facility to include a boatyard or marina. Consequently, it is important to double-check the rules and regulations of where you are storing the boat during both the summer and winter months to ensure whether or not insurance is needed.

At Idaho Select Insurance in Meridian, ID, our friendly and professional team of insurance specialists will happily answer your questions and help you find the perfect policy for your needs. Give us a call today and we’ll help you find your next boat insurance policy. 

Anyone that is in the Meridian, ID area will have a variety of insurance needs that they should consistently evaluate. One form of insurance that all people in this area should consider getting is life insurance. There are several reasons why getting life insurance is a good idea for someone to acquire.

Provides Protection for Dependants

The main benefit of getting a life insurance policy is that it can provide you with protection for your dependents. If you have people that depend on you and your income, it is always a good idea to have life insurance. This will ensure that they are cared for from a financial perspective if you were to pass away. Even if you do not have any dependents, it would still be a good idea to get this insurance as it will provide a financial benefit to others that could also cover any funeral or medical expenses.

Investment Option

Another advantage of getting a life insurance policy is it can provide you with a unique investment option. If you choose to get a whole life insurance policy, a portion of your monthly premium payments will accumulate in an account. This will be an asset that will continue to grow in value and could be liquidated at any time. This is also a great asset as you could use it as collateral to borrow against.

When you are shopping for life insurance in the Meridian, ID area, you should contact the team at Idaho Select Insurance. The insurance team at Idaho Select Insurance can help you to better determine your insurance options. They will be able to explain the pros and cons of each option to ensure you pick a policy with a coverage amount that is right for you. 

People who have an increased chance of liability for personal property, whether it be a home or even a boat, could benefit from umbrella insurance. This type of coverage is designed to offer protection that goes above and beyond the limits of insurance that is already in place.

Umbrella Coverage

Umbrella insurance is designed to protect a property owner from potential liability as a result of an accident or any other covered event. It is a smart way to gain peace of mind and help secure your financial future. In some cases, however, there may be a time when the liability risk may increase and additional coverage may be necessary. In this instance, the course of action would generally be to purchase an additional policy. Most umbrella insurance is not adjustable mid-term, but the purchase of another policy will add that extra layer of security and can allow the buyer to tailor the coverage adequately before the actual policy purchase. 

A Helping Hand

There are many terms and conditions to be aware of when it comes to shopping for insurance. Umbrella insurance is no exception, which is why it is wise to have an insurance agent from a reputable company, like Idaho Select Insurance, to help navigate the process. They can answer your questions and explain exactly how the coverage works for residents of Meridian, ID and then help file the paperwork. They can also help with any claims that may occur in the future. 

People who are currently looking for ways to help protect them from liability should call or stop by Idaho Select Insurance, serving Meridian, ID, and speak with one of the knowledgeable agents on duty. They can help you get the peace of mind you need and present options that work for your individual situation. 

Whether you have renters insurance in Meridian, ID or not, it may be time to learn more about what a smart policy actually looks like. Idaho Select Insurance wants everyone to protect themselves and their things before they have to worry about how they’ll cover the necessary expenses. 

Look for Policies That Cover Temporary Living Expenses 

What happens when your apartment floods or a fire breaks out? If you don’t want to rely on family or friends while everything is being repaired, then you’re going to want to have a policy that covers the costs of temporary living. Before you choose a specific coverage level, make sure you’re comfortable with the benefits of each plan. For example, some policies may cover just residential expenses while others will cover food and incidental charges. 

Double-Check the Liability Limits 

Most renters insurance policies will extend some degree of coverage in case you’re accused of being at fault for an accident or injury. You just need to be careful about the limits of your policy. If you want to make sure you have enough in the case of a serious accusation, it makes sense to increase your coverage level. 

Choose a Company That Cares 

Idaho Select Insurance wants the people of Meridian to feel secure, no matter what happens to come their way. Few renters expect for their things to be vandalized or lost in a fire, but these things can and do occur on a regular basis. 

If you have questions about how to craft a renters insurance policy in Median, ID, we’re to help. Maybe you have specific concerns about certain items in your home, such as a table that you lovingly restored from scratch. We’re here to chat before finding a policy that can cover you.