Month: March 2020

Three problems that home insurance can prevent

Posted on by AgentInsure

If you own a home in Sandpoint, ID, a good home insurance policy is essential. We offer area homeowners numerous home insurance options in our policy offerings at The Insurance Shop USA.

Owning a home is a major financial goal for many consumers. However, being a homeowner can also create some challenges. Home insurance can in many cases allow homeowners to overcome these problems by offering financial protections.

The following are three big problems homeowners can avoid by having the right home insurance policy.

Suffering an enormous financial loss because of a lawsuit

Homeowners are subject to lawsuits. If an injury takes place on their property, they could be held liable. Home insurance will cover any legal defense or settlement costs in the event of an accident on a policy holder’s property. 

Having no place to stay after a disaster destroys your property

One of the many benefits of home insurance is coverage for temporary shelter if an accident damages a policy holder’s property. This means that policy holders have the peace of mind to know that they’ll have a place to stay regardless of what happens to their home. 

Losing the money you invest in your home as the result of a natural disaster

A home is a big investment. In fact, it is the main asset of many homeowners. For many homeowners, losing everything that has been invested in a home could mean financial ruin. 

Home insurance protects homeowners from significant financial loss by compensating homeowners for the costs of damage to their home. 

You can learn more about the benefits of home insurance in Sandpoint, ID by contacting us at The Insurance Shop USA.  

Three auto insurance necessities

Posted on by AgentInsure

Auto insurance is an essential product for vehicle owners across the country. As a motorist in Sandpoint, ID, you need to make sure that you’re meeting all the auto insurance requirements put in place by the Idaho government. At The Insurance Shop USA, we’re here to help.

The following are three auto insurance necessities you need to consider when you’re on the market for the best policy for your needs. 

Meeting state-mandated liability requirements

Your number one priority when purchasing auto insurance is meeting any legal requirements in place in your state. Make sure that you’re aware of how much liability coverage you need to carry. If you fail to carry adequate insurance, you could be subject to numerous penalties including fines and license suspensions. 

Protecting the investment you make in your vehicle

If you don’t have collision coverage as part of your auto insurance policy, you could lose the investment you’ve made in your vehicle purchase if your vehicle is destroyed in an accident. It’s therefore important to invest in a collision or comprehensive coverage so that your insurance will compensate you for accident damages to your own vehicle. 

Understanding the terms of your policy

You should take the time to read the fine print of your policy. You want to understand your policy thoroughly. Be aware of exactly what coverage and features you get from your insurance policy. Also, make sure you understand the process of filing a claim when you take out your auto insurance policy. 

Have questions about auto insurance in Sandpoint, ID? Feel free to discuss your questions with one of our representatives at The Insurance Shop USA. 

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