Commercial insurance is a way to make sure that your investment is protected from things like fire, theft, break-in, vandalism and more. A good commercial policy can help to protect your business and yourself from all manner of a difficult situation and can help to make the process of recovering after a disaster not only possible but easier as well. For those that live in the Sandpoint, ID area, the agents with The Insurance Shop USA can help you find the perfect commercial policy.
A good commercial policy is a difference between being able to recover after a disaster and not being able to. With a commercial policy, there is no requirement for how long you have to have the policy. Likewise, you can cancel your policy at any time given you do not owe money to a lender that requires you to hold an insurance policy. If you own your business outright, though it is not advised, you do not have to have any sort of commercial insurance policy to protect it. You can use a commercial policy to do a lot of things. If your store is vandalized, your property is stolen, your store is broken into, or your store burns down, you can use your commercial policy to help recover. You can also use a commercial policy to help cover the costs of your employees should they become injured on the job.
If you are worried about your commercial insurance policy, it is always best to talk with a professional to see what sort of policy is going to work best for you, and what sort of policy you need to have in place to fully protect your business. If you live in the Sandpoint, ID area, the agents with the Insurance Shop USA can help you find your perfect policy.
Life insurance is priceless. It is a way to make sure your family is taken care of after your passing. From covering burial costs, to paying off debt, and leaving your family financially secure, life insurance just makes sense. It’s never too early to purchase the right life insurance policy as we never know when our time will come. For that reason, read on to learn about three important tips for buying life insurance in Sandpoint, ID.
1. Bundle Your Insurance Policies
You most likely have other insurance policies, such as auto insurance, homeowner’s insurance, and even RV insurance or umbrella insurance. When you bundle all your insurance policies together under one insurance company they will reward your business with them by saving you money on your premiums and putting more money back in your pocket.
2. Compare Life Insurance Quotes
When purchasing life insurance, you’ll need to figure out how much you need and what you can afford. That’s why it is so important to compare quotes. Go through the fine detail of each one with a reputable agent who can give you their expert advice and help you find the best policy for the best price.
3. Work with a Reputable Agent
At The Insurance Shop USA serving the Sandpoint, ID area, the friendly, experienced, and knowledgeable agents are available to answer all of your questions about purchasing a life insurance policy. They will help you achieve the tips listed below and get you the best policy. Don’t wait to get life insurance. Be prepared by calling The Insurance Shop USA today at 208-263-0888.
A home is a huge asset and securing it must be a paramount decision. By now most of us have already learned the value of purchasing insurance, but very few know about premium coverages. Most people prefer purchasing premium policies for their home cover as most of them provide extra coverage.
Home insurance premiums are paid on a semi-annual basis, annual basis or monthly financing of premiums–done by some companies. Home insurance premium costs vary based on the type of coverage you want and the risk. That is why it is crucial that you shop for insurance premiums from a certified reliable insurance company like The Insurance Shop USA in Sandpoint, ID.
Home insurance premiums/ additional coverages
All homeowners in Sandpoint ID are required to purchase the following basic home insurance policies:
- Personal liability protection
- Personal property coverage
- Loss of use protection
- Dwelling coverage
- Other structures protection
If you own a big home, chances are that the basic coverage may not offer adequate protection as the standard coverages do not cover for stolen valuables or important documents in the home. You may be forced to take additional coverage in which the insurance company will charge you for the premiums you choose.
- Special personal property protection
- overflow or sump pump discharge and water back up
- Personal articles floater
- Content replacement cost
- Valuable and jewelry items
- Extra replacement cost protection coverage
- Green home coverage
- Identity fraud
The rule of the thumb is that you have to pay more money to get premium coverage and the more valuable your house is, the more costly the premium will be. Still need to know more about insurance premiums, visit The Insurance Shop USA today and you will get all your questions answered.
If you are new to the state of Idaho, welcome! The Idaho Department of Motor Vehicles (DMV) requires registration of a vehicle in the state of Idaho within 90 days of moving to the state. You must be a resident of Idaho and the vehicle must be physically in the state in order to register it with the DMV.
Minimum Auto Insurance Required by Law in Idaho
Idaho also has minimum auto insurance requirements, which are required to operate a vehicle in the state.
These Idaho auto insurance requirements are:
- Liability Coverage for Bodily Injuries: $25,000 for each person and $50,000 for each accident.
- Liability Coverage for Property Damage: $15,000 for each accident.
If you are planning a move Idaho with your vehicle, contact an agent at The Insurance Shop USA, serving Sandpoint ID and the surrounding area, to get auto insurance coverage. Most people need more than the basic legal minimums to have adequate insurance protection. Since the law only requires minimal levels of coverage for injuries and property damage, most people increase these amounts and add comprehensive coverage for more protection for themselves and their vehicle.
Coverage for Uninsured and Under-insured Drivers
Idaho is an “at-fault” state, which means a driver of a vehicle is responsible for any damages, injuries, or deaths caused by an accident that is determined to be their fault. While there is no legal requirement to have uninsured or under-insured motorist coverage in the state of Idaho, it is still a good idea to have it. The reason is that just because someone is at fault, and therefore has the legal liability to pay for damages, this does not guarantee that they have the financial ability to do so. Winning a lawsuit may be possible, however, collecting the judgment for damages may be difficult.
Consult with your agent at The Insurance Shop USA in Sandpoint, ID to discuss these matters and get any questions answered that you may have about auto insurance in Idaho.
Living in Sandpoint, ID, your car is exposed to all types of weather. Proper maintenance will ensure that your vehicle consistently performs its best at all times, no matter what the temperature or weather condition. The agents at The Insurance Shop USA can offer tried and true maintenance tips to help you keep your car in top shape.
Engine and Drivetrain Maintenance
Maintaining your engine is essential if you want your car to last. This includes changing the oil every 3,000 to 5,000 miles and keeping a close on your coolant, brake fluid, and transmission fluid. When you take your car in for an oil change, have your entire engine checked to make sure everything is functioning as it should. This includes your fuel injectors and all of the electrical components.
Your tires are extremely important, especially in the winter when snow and ice may be on the roads and highways. Always make sure the tires are at the proper air pressure. This will give you maximum traction and also help to improve your gas mileage. It’s also important to check your tires’ tread occasionally. Bald areas where the tread is completely gone or areas in which there is very little tread left are indicators that new tires are needed.
The agents at The Insurance Shop USA are always available to discuss all of your auto insurance needs. If you live in the Sandpoint, ID area, call and talk to one of their reputable agents today. They can review your policy to make sure you have just what you need and also provide you with maintenance tips to help you keep your car in good condition for years to come. Call today!
Agents of the Insurance shop USA located in Sandpoint ID will establish a wedding special event insurance package with insurance riders. A wedding celebration is full of tradition and pleasant memories that the new couple will share with their future children. While a wedding is an emotional investment, it is also a financial investment that the parties are willing to pay. What could go wrong to risk this investment? A sophisticated wedding planner is probably in the best possible position to understand the multiple risks of a wedding event that has gone wrong.
The wedding planner may need a lawyer because this person sometimes is the principal source of advice to those bearing the financial burden of a wedding event. Not all the wedding risks are insurable, such as the bride or groom refusing at the last minute to be married or the financial loss of an engagement ring while the wedding ring may be insurable if the wedding does not go forward, but a rainy day is not covered.
There are many parts at a wedding, that must run smoothly. Wedding risks are associated with
- the delivery, and integrity of the wedding cake,
- timely arrival of the wedding dress,
- a safe environment for the wedding reception,
- the containment of alcohol consumption,
- a safe limousine and competent driver,
- the rented place for the wedding reception was not available within days of the wedding,
- vendors who fail to show up
- the caterer served spoiled food,
- slip and fall of guests at the reception
- bad weather and natural disasters
The types of insurance should include liability insurance, with riders, to pay medical costs for a guest who may be injured, liquor host liability insurance for drunken guests who harm others, cancellation or postponement coverage, deposit coverage, and coverage if gifts are stolen.
The agents of the Insurance shop USA located in Sandpoint, ID will advise you how to cover any wedding risks that insurance will cover. Please call for an appointment!
Umbrella insurance is a kind of coverage that can affect total coverage for your home, cars, and other assets. This can be very helpful for people who experience significant losses due to an accident or disaster, beyond what a standard policy would protect. Umbrella insurance often includes different kinds of coverage against accidents that can protect against various kinds of civil lawsuits. This can be very beneficial for business owners or other high profile individuals who have greater exposure due to their net worth or number of transactions. The state of Idaho also recommends that businesses dealing with high-risk activities may want to look into umbrella insurance. There are also limitations on umbrella policies which may prevent policyholders from receiving additional protections if their business fails, work contracts are not paid, or their personal property is lost. Because this is a more complex type of insurance reserved for those who think they may be subject to higher losses, it is important to discuss the specifics with a knowledgeable insurance professional in the Sandpoint, ID area.
Those who suspect that the standard insurance policies may not cover large enough amounts for additional damages or lawsuits may want to look into an umbrella policy to provide more comprehensive coverage. Please contact The Insurance Shop USA to learn more about umbrella insurance, how it benefits you, and reasons why you may need coverage to protect various kinds of assets. Our agency serves Sandpoint, ID and surrounding areas with plans that cater to the needs of the local community. Visit The Insurance Shop USA website for contact information and give us a call when it is convenient for you.
When it comes to owning a boat or watercraft you need to know the water laws and requirements for the vehicle. In the state of Idaho you do not need to have boat insurance, but this doesn’t mean you should. In many cases, it is far better to have boating insurance than to avoid it. If you own your boat in or around Sandpoint, ID The Insurance Shop USA is here to help you find the right boating insurance for your vessel.
Some Marinas Require Boat Insurance
While the state may not require boat insurance some marinas and docks do require it. So unless you want to limit yourself to where you can take your boat and where you can dock, it is a better idea to invest in boating insurance, no matter what kind of vessel you own.
When Does Boat Insurance Cover You
Boat insurance doesn’t just cover you when you’re out on the water. It also protects you when you are towing the boat to the final destination or when it is in storage. In fact, your boat is more likely to be damaged during prolonged storage or when in transit than when on the water. Due to this, it is important for you to protect your investment. You don’t want to be forced to pay for all damages and repairs out of pocket.
No matter what kind of vessel you own it is important for you to protect it with boating insurance. This boat insurance doesn’t just protect it when it is in water but when it is in transit or in storage. So whether you live in Sandpoint, ID or in the surrounding area, The Insurance Shop USA is here to help you find the right boating insurance for your vessel.
Are you currently renting a home? Do you need a renter’s insurance policy? The Insurance Shop USA has the policy you need. Renters insurance can protect your belongings in the event of a tragedy and also allow a relocation coverage if you are required to leave your home.
Protecting Your Belongings
Unfortunately, landlords are not required to cover those renting from them and their belonging in policies. If you do not have a policy, then everything you own is at risk. Several tragedies can result in renters losing all of their belongings and have to replace them out-of-pocket, which could be very expensive. The tragedies below are situations that are covered under a renter’s insurance policy.
- Accidental Fires
- Burglary/ Theft
- Structural damage
Accidental fires happen every day in the USA, and while there are methods to prevent, accidents can still happen. In the event of an accidental fire, all of your belongings that are insured can be replaced under a renter’s insurance plan.
Burglary and thefts are also situations in which renters cannot control and most items are not recovered. While you can utilize all prevention from burglaries, unfortunately, theft can still happen. Whether the theft takes place in the home or in your vehicle, if items insured on your policy are stolen, renters insurance will cover these items.
Structural damage is another tragedy that most renters often do not consider. While it is the responsibility of the landlord to maintain the property, sometimes something as simple as a pipe bursting or a structure collapse can require tenants in an apartment building to leave immediately and relocate, causing damage to their items.
If you are forced to relocate due to an accidental tragedy, renter’s insurance can cover the cost of your relocation fees. If you are required to relocate, your landlord is not responsible for finding a place for you or covering the cost. Attempting to replace lost items and pay for temporary relocation can be stressful on a household.
Come Visit Us Today!
Located in Sandpoint, ID, The Insurance Shop USA has a renter’s insurance plan just for you. Contact us here to schedule an appointment with an agent today!
You may think that your membership with the homeowner’s association is enough to keep you from financial ruin when things go awry. The reality, however, is that the homeowner’s association is only interested in protecting the property grounds. You are completely on your own when it comes to guarding things inside of your condo in Sandpoint, ID. The Insurance Shop USA can help you find the condo insurance plan that works for your budget and overall lifestyle.
Condo insurance vs. homeowners’ assurance: Similarities
Condo insurance closely resembles that of traditional homeowners’ assurance. Both homeowners and condo policy types pay for tragedies related to theft and common wear and tear. Condo and homeowners’ indemnity plans work to ensure that you receive full recompense for items lost so that you do not have to start from scratch when replacing such goods.
Condo insurance vs. homeowners’ assurance: Is there really a difference?
In actuality, there is not much difference between having insurance for a single-family home in Sandpoint ID and with acquiring an assurance plan that guarantees your residence in a communal building. The only real difference between homeowners’ and condo insurance is perception. Some people believe it unnecessary to have condo assurance all while paying dues to the homeowners’ association. Such persons are under the false perception that their membership dues are enough to cover every potential loss.
The truth, however, is that the amount you pay in membership fees only covers the grounds. A house guest who injures herself while using your restroom would need to rely on your financial standing to pay her medical bills. She would not go to the homeowners’ association for assistance. The possibility of a lawsuit grows when your policy limits are not enough to pay for all expenses in an at-fault accident. Imagine how much more susceptible you are to a significant financial loss when you are completely uninsured.
The Insurance Shop USA can help
There is a reason why many lenders require you to have condo insurance. Contact us today to find the policy that is right for your lifestyle!