If you’ve considered getting life insurance in Meridian, ID, but have allowed misconceptions to deter you, Idaho Select Insurance wants to clarify some of the common misconceptions.

Misconception #1: It’s Only Necessary for Older People

This is one of the most common misconceptions, and it’s heartbreaking when younger people experience loss and have insufficient coverage (or none at all).

Life insurance protects you against the worst-case scenario – you lose a loved one. Accidents happen daily, and you don’t want to be left with all the expenses if the unthinkable happens.

Policies are available for people of all ages.

Misconception #2: It Only Covers Funeral Costs

While life insurance can be used to cover funeral costs, it’s possible to get policies that are worth $1 million or even more. This allows you to cover all sorts of the expenses once a family member passes away. You can ensure that a mortgage is paid off, kids get their college tuition covered, and so much more.

It’s all the more reason to talk about the necessary coverage with an experienced insurance agent.

Misconception #3: It’s Too Expensive

The reality is that life insurance may be a lot more affordable than you think. It’s based on such things as age, gender, and health. The younger you are when you seek coverage, the cheaper a policy can be – and free quotes are available.

Discuss Life Insurance with Professional Agents Today

Whether you want to discuss more life insurance misconceptions or are ready to discuss a customized policy for you and your family, we’re here to help. Contact us at Idaho Select Insurance today. One of our agents can answer your questions, guide you through the many insurance options, and ensure you have the coverage you need when it’s needed the most.

When insuring a motorcycle around Meridian, ID, most riders focus on coverage for the bike itself, but accessories and custom parts can also represent a significant financial investment. From saddlebags and upgraded exhaust systems to custom paint jobs and safety gear, these enhancements often aren’t fully covered by a standard motorcycle insurance policy. Accessory coverage is essential to protect these valuable additions in the event of damage, theft, or an accident.

Understanding Accessory Coverage

Accessory coverage provides protection for non-standard parts and gear that are added to your motorcycle after purchase. This includes items like custom handlebars, aftermarket seats, windshields, chrome accessories, and even safety gear such as helmets and riding jackets. In many cases, the standard motorcycle insurance policy only covers factory-installed parts, leaving custom upgrades vulnerable. Accessory coverage allows you to repair or replace these items without significant out-of-pocket expenses.

The Importance of Accessory Coverage

Motorcycle accessories can be expensive, and replacing or repairing custom parts can quickly add up in the event of an accident. Without accessory coverage, you might only be reimbursed for the bike’s original parts, leaving you responsible for the full cost of restoring your motorcycle to its pre-accident condition. Additionally, items like saddlebags and gear can be damaged or stolen, and accessory coverage ensures you aren’t left without compensation. Riders who enjoy upgrading their bikes or rely on specific gear for long trips should consider this additional coverage. It not only provides peace of mind but also helps ensure that your bike—and everything that makes it unique—can be restored if something goes wrong.

Contact Idaho Select Insurance for More Information

Idaho Select Insurance is here to provide the best explanations for answering your insurance questions as we serve Meridian, ID and surrounding cities. Call today.

Flood insurance for the Meridian, ID location is essential for protecting your property against water damage from natural disasters like hurricanes or heavy rain. However, like other types of insurance, flood insurance comes with exclusions—specific situations and damages it does not cover. Knowing these exclusions is crucial to ensure you have the right coverage and avoid unexpected costs.

Key Flood Insurance Exclusions

Flood insurance, offered through the National Flood Insurance Program (NFIP), covers direct damage caused by flooding. However, it does not cover all types of water damage. One common exclusion is sewage backups. It will only handle these types of situations when flooding causes the incident. Similarly, moisture or mold damage that occurs gradually due to neglect or poor maintenance is usually not covered.

Another important exclusion is damage to landscaping, patios, and outdoor structures like pools or decks. Flood insurance typically focuses on the building’s structure and its essential systems, such as electrical, plumbing, and HVAC, as well as some personal belongings, but it will not cover damage to areas outside the home.

Comparing Exclusions with Other Types of Insurance

Unlike homeowners or renters insurance, which often includes some coverage for water damage (such as from burst pipes or leaks), flood insurance is much more specific in areas that it covers. Homeowners insurance generally does not cover flooding at all, requiring a separate flood insurance policy. Conversely, other types of insurance may cover damage from weather events like wind or hail, but they won’t cover rising water due to floods.

Idaho Select Insurance For Better Understanding of Insurance

Idaho Select Insurance offers all of the information you need to get insurance. Our agency serves the locations in and near Meridian, ID. Call today.

If you’re planning on hitting the road with your boat on a vacation, you’ll want to make sure you do all you can to secure it. Below are the best tactics to put in place so that your boat is protected when traveling to and from your destination. 

1. Strap it Down

Even if you have one of the best and strongest boat trailers available, you still need to ensure you’re strapping your boat down to it. Traveling over long highways can hit bumps, and poor road conditions can cause your boat to bounce. If the boat isn’t secure with heavy straps, it could bounce off the trailer and be damaged. 

2. Cover Your Boat

Before you apply the final straps to your boat, you’ll want to put a cover on the boat first. This keeps debris and environmental elements from damaging the windshield and interior of the boat. A heavy-duty cover will protect the boat’s shell, even if you travel under low-lying trees along the highway. Once you park your boat trailer, you can leave the cover on it when you aren’t using it for additional protection until you head home. 

3. Make Sure Your Trailer is Locked

While you have your boat in a trailer while traveling, you want to keep it secure so it can’t be stolen at night. Lock the trailer and hitch so that a vehicle can’t be hooked to the trailer and carry the boat off. It’s also a good practice to set an alarm on the boat so that if there is movement or someone attempts to start the boat, you’re notified right away. 

If you’re in the Meridian, ID area and need boat insurance, contact our team at Idaho Select Insurance today for more information. 

Almost every parent will attest to how life changes after having a child. Adding a child to your family alters your sense of responsibility and priorities and brings about various practical considerations. For instance, a child has to be clothed, fed, protected, and educated. Consequently, having a child often triggers parents to consider life insurance.

At Idaho Select Insurance, we are here to support new parents in Meridian, ID. We can help you customize a life insurance plan that protects your newfound family now and in the future.

Replace Lost Income

Besides covering the insured’s final expenses, life insurance’s primary purpose is to replace potential lost income from a family breadwinner. Therefore, young parents should plan for income replacement in the event of an unthinkable situation.

Provide for a Child’s Care

As a parent, you want to ensure that basic childcare and protection needs are met. Life insurance can be instrumental in accomplishing this goal.

Future Education

Parents with foresight and financial resources may desire to establish provisions for their children’s future educational expenses. Given the significant cost of college, starting planning in advance is critical.

How Much is Enough?

If you’re a new parent wondering how much life insurance is enough, we’re here to help. We can guide you in planning for both immediate and future funding.

Get a Quote Today

If you’re a new parent in Meridian, ID, and are considering life insurance, we invite you to contact us at Idaho Select Insurance. We can address any questions you have and show you various options to meet your life insurance objectives.