From downhill skiing to backpacking to white water rafting, there is a lot to do in Idaho. Its mountains and rivers beckon natives and tourists alike. You may own an Idaho home or a business or both. Whatever you own and whatever you do, you will need a good Idaho insurance plan to protect your assets and shield you from liability claims.
You can work with a professional agent in the Trusted Choice® network for help with all of your insurance needs. These agents can offer you a variety of Idaho insurance quotes so you can find the plan that is right for you at an affordable rate. With 135 Trusted Choice member agents to serve 1,595,728 residents, Idaho ranks 18th nationally in agent-to-population ratio. You should therefore have no problem finding a member agent with an office near you. Contact a Trusted Choice agent today to learn more about your various Idaho insurance options.
You may not know that there is more than one kind of insurance agent. You can opt to work with either a captive or an independent agent.
Independent agents can save you time and money by doing your comparison shopping for you. All agents in the Trusted Choice network are independent.
Idaho requires that all vehicle owners carry liability coverage in the minimum amounts of $25,000 per person and $50,000 per accident plus $15,000 property damage. These are the minimum liability requirements, but many car owners elect to carry much higher limits to adequately protect their assets.
A fully-comprehensive Idaho automobile insurance policy will provide the following coverage:
You may have one car or several. You may live in an urban or rural area of the state. You may use your vehicle for business or personal purposes. You may have young drivers in your family. All these factors can affect your insurance premiums.
Be sure to shop around for insurance rates before selecting a policy. Ask about policy discounts for safe drivers and multiple policies with the same carrier.
Virtually every homeowner will have a homeowners insurance policy not only because it is required by mortgage companies but because it makes sense to protect the large investment you have made in your home. However, industry statistics show that many homeowners do not get the full benefit of their policies because they fail to carry enough coverage to fully replace their property in case of a total loss. A standard homeowners policy will cover the following:
You should know that a homeowners policy does not cover floods or earthquakes. You will have to buy separate policies to insure your home against those risks. Also, you will have a deductible on your property coverage. An independent agent can offer you Idaho insurance quotes from several different companies so you can pick the homeowners insurance policy that works best for you.
Business insurance can be very complex. If you are a business owner in this state, it is best to work with an experienced agent who can help you through the many different choices you will have to make when designing the Idaho insurance plan that is right for you.
A typical Idaho business insurance provider will offer the following:
These are the basic coverage options that should be considered by any business. If your business faces any unusual exposure, there are likely specific policy options available that can address it.
An Idaho life insurance policy can protect your loved loves by providing them with a financial security blanket in the event of your untimely death. There are two basic types of life insurance policy:
Many people find it difficult to choose between the two policy types. Discussing your options and reviewing rates with an insurance professional can help you determine which is best for you.
With the imminent implementation of the Affordable Care Act (ACA), the U.S. health industry is going through many changes. If you currently have health insurance through an employer-sponsored plan, it is likely that your plan will continue, but there may be a change in coverage or rates starting in 2014. If you do not have coverage through your employer, then starting on October 1st of 2013 you can access coverage through Idaho's health insurance exchange.
You also have a third alternative, which is to shop for health insurance on the open market. You will have many different choices like an HMO or a PPO, a full coverage plan or a high deductible plan. You may also be able to establish a Health Savings Account (HSA) and have other policy choices.
There are many advantages to having a health insurance plan. It can prevent medical expenses from throwing you into bankruptcy, you will be more likely to receive preventive care and health screenings, and you can take advantage of tax incentives. If you fail to purchase health insurance coverage you will be subject to a fine.
ATVs are very popular in Idaho, but they come with inherent risks. The Idaho Department of Motor Vehicles reports that there were 174 deaths associated with ATV use in the period 1982 to 2011. Idaho requires you to title and register your ATVs but does not require you to insure them. Nonetheless, it is a wise decision to obtain the proper insurance protection. An Idaho ATV insurance policy will offer you the following protection:
If you take an approved ATV safety course, most insurers will offer you a discount on your policy. You should also be aware that in this state, all drivers and passenger under the age of 18 are required to wear a helmet.
Whatever you do in Idaho and whatever you own, whether business or personal, you will want a professionally-designed and competitively-priced insurance policy to protect you from financial losses. Your needs could be as simple as a renters policy or as complex as a complete insurance program for your business. Either way, you can contact a Trusted Choice agent and work with a professional who both understands your needs and knows the market.
Allow an agent in the Trusted Choice network to help your assess your Idaho insurance coverage needs. These agents can answer your coverage-related questions, explain policy options and recommend coverage that is right for you. Contact an agent near you today to learn more and to start comparing a variety of Idaho insurance quotes.