Motorcycles are a great way to get around and a great toy as well but you need to make sure they are fully covered if you intend to drive them. There are a few different factors that do affect the overall cost of your coverage and the type of bike is certainly one of them. For those that live in the Meridian, ID area, the agents with Idaho Select Insurance can help you to find the right coverage for you every single time.

A great way to determine what your potential payment each month might be is to first understand what factors do affect the price of coverage each month.  The first factor is of course the price of the bike. you are going to want to get an accurate valuation to make sure you are insuring your bike for enough so in case you need to replace it. You also want to take into account any safety features the bike may have. The last factor that is likely to have a significant impact on the price of your coverage each month is the type of bike. Those that are considered to be sport bikes or fast bikes are going to cost more to insure based on the way that people tend to drive this type of bike. Cruisers, or bikes that are typically driven slower are not going to cost as much based on the way they are driven.

You want to keep in mind that your specifics as a driver also make a difference in the overall cost of your monthly coverage. For those that live in the Meridian, ID area, the agents with Idaho Select Insurance can help you to find the right coverage for you.

When it comes to your home, there are many kinds of insurance options available. While you already have standard home owner’s insurance, there are other additions you need to consider. One of the most commonly selected insurance add on is flood insurance. However, you may wonder whether or not you need floor insurance. The team at Idaho Select Insurance is here to help you decide how to protect your home, whether you live in or around Meridian, ID. 

What Flood Insurance Protects

Naturally, flood insurance protects your home in the event of a natural disaster, such as heavy rain or even after a major thaw that leaves all the snow melting right on your property. 

Beyond an actual natural disaster through your home may flood from a burst pipe. Perhaps your pipes freeze and burst when you’re on vacation. Or the pipes leak next to your property and causes the foundation to slide and crack. All of these are major issues that regular home owner’s insurance may not protect. That is why you need to consider flood insurance. 

Damage To Your Property

Flooding isn’t about removing the water from your property. No matter how long the water has pooled up it will cause all kinds of damage to your home. You’ll need to replace flooring, carpet and even the wood and drywall. You might need to have mold spores removed from the property, and you’ll need the foundation checked. Whatever the issue might be, you need to have it repaired and restored before it does more damage. 

Flood insurance is a valuable investment when it comes to your home. Whether you live in or around greater Meridian, ID, the team at Idaho Select Insurance is here to help you determine what works best for your particular home.

As most boat owners already know, there’s really nothing as refreshing and exhilarating as zipping around a lake, nor is there anything as calming as just sitting on gently rocking waters. In order to truly enjoy these things, however, you shouldn’t be worrying about what you’re going to do if disaster strikes. But boat insurance is a bit of a different animal than car insurance, and there are some different steps to getting a policy for your boat. Those of us at Idaho Select Insurance are here to tell you what you need to know about getting the coverage you need in the Meridian, ID region:

Is Boat Insurance Required?

In Idaho, boat insurance is actually not mandated by law. That said, some lakes and private water areas still require boaters to have at least some form of coverage should they get into an accident of any kind. Likewise, those who plan on taking their boat on trips to other states will want to look into insurance for safety reasons, as well as cooperating with other state laws. 

You Must Have a Specific Boat Insurance Policy

Because boats are personal property, many people mistakenly assume that they can have their boat covered under their home insurance policy or even get it written into a general vehicle policy. But the truth is that boats are considered under the law and by insurers to be in a separate category of their own, and therefore you must have a specific boat insurance policy in order to have your vessel covered. Regardless of whether your boat is for business or pleasure, those who use their vessel even semi-regularly will want to protect their purchase with insurance.

Policies Are Not ‘One Size Fits All’

Let’s face it– there are many different kinds of boats, and people use them for a wide variety of purposes. Like other kinds of insurance policies, boat coverage is not generalized enough to cover everyone. When sitting down with an experienced insurance agent, such as those at Idaho Select Insurance, you should be ready with details like how much you use your boat and for what purposes, the size of the boat and the model, the boat’s age and maintenance records, etc. Serving the Meridian, ID area and beyond, we’ll help you find the perfect policy for your boating needs. 

Life insurance is a golden opportunity to plan your future and leave your dependents on a higher fiscal ground. We at Meridian, ID, Idaho Select Insurance are certain it is your perfect moment to stay informed about the cover for the better decision making. We provide you with these handy tips as you sign up for the policy. Read on…

State provisions for life insurance

Idaho State doesn’t regulate life insurance as a policy just like the State Department of Insurance does with auto and health covers. However, some provisions vary, just like in many states across the nation and Idaho is no exception. This affect underwriting, sign up and medical examinations requirements. The insurance industry is regulated through the state Insurance code of Idaho. 

The Specifics in your favor  

‘Free look’ provision in the cover grants you the right to change your mind and cancel the policy for whatever reasons you see fit. This is regardless of having signed up and in receipt of policy documentation. A ‘free look’ period is at least ten days within which no penalties will apply. But, you might come across insurers who offer up to 30 days. While the grace period can span up to 30 days, you can be late paying up premiums without facing policy cancellation. After which, the insurer has the right to terminate the policy for non-compliance. 

What does life insurance cover? 

The policy accommodates term insurance usually within a specified term and pre-determined age or permanent insurance which extends throughout the lifetime of a policyholder. You can specify the favored years for term insurance, but for permanent protection, the age limit can be extended for up to 80 years. If you die before the term policy matures, your beneficiaries receive the policy’s full compensation. 

Also, the state laws allow you to purchase temporary protection until you can afford permanent protection. Therefore, signing up for term life insurance competitive premiums is an excellent idea for all including those who are young and healthy. Do you want to know more? Call and talk to Meridian, ID, Idaho Select Insurance today. Our certified agents and professionals will help you plan and care for your loved ones in the nick of time.

The agents of Idaho Select Insurance have years of experience when it comes to renters policies and other types of property insurance. Residents who live in the Meridian, ID area need to understand what their policies cover and who is liable for certain types of damages if they occur. In some cases, the landlord may be ultimately responsible if items are broken inside the apartment.

Renter’s Insurance

Your renter’s insurance is written to cover your possessions if they are damaged and destroyed by fire or other means. In most cases, your policy will cover a wide variety of damages, including broken items or things that need to be repaired. It also carries some degree of liability protection in case someone is injured while visiting your apartment. This includes the landlord if the injury was caused by something that you could have possibly prevented.

Commercial Insurance

On the other hand, if the landlord enters your apartment to perform an inspection or to make repairs to the plumbing or an appliance and is injured in the process, their commercial insurance will cover the costs. Their insurance will also be responsible if they are in your apartment and they break something of value. It will be up to you to make sure a claim is filed in a timely fashion in case a deadline needs to be met.

At Idaho Select Insurance, the agents can answer questions concerning many different types of insurance policies. If you live in the Meridian, ID area and are curious about what your renter’s insurance covers, call and schedule an appointment with your agent today!

We all know that there are endless benefits to bundling your insurance policies with one agency. Bundling home and auto and even in some cases, life insurance, can save you hundreds each year and can help you to spend less on something that you have to buy anyway. That being said, there are a ton of different policy types that can be bundled, you just have to ask. For those that live in the Meridian, ID area, the agents with Idaho Select insurance can help you to create the perfect insurance bundle.

Adding things like motorcycle policies to your auto policy is fairly common, adding them to your home policy may not be as common. It is still completely possible, however. If you have a home policy and a motorcycle policy odds are you will be able to bundle the two into one policy. This helps to reduce the number of monthly payments you have to make and can also help reduce the cost as well. Bundling policies saves you money for one simple reason, insurance companies want your business. If they have a home policy with you that is great if they can have a home and a motorcycle policy that is even better.

By allowing you to have a discount and bundle these policies they are still making money and they are enticing you to use their service. Bundling a motorcycle and home policy is a great way to save money and to help make the entire process of paying your insurance each month simpler. For those in the Meridian, ID area, the agents with Idaho Select Insurance can help you find the perfect bundle for your needs each and every time with no problems or issues to speak of.