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Idaho Insurance

Get Help with All of Your Idaho Insurance Needs

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.


Why Work with an Independent Agent in Idaho?

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.

  • Captive agents: These agents are contractually bound to one company so they will provide you with policy details and rates only from that specific company. There may be cases where the captive agent's company simply does not offer the insurance products you need or they may not have options available that other companies may offer.
  • Independent agents: These agents are free to work with a number of insurance companies. This means that whatever your insurance needs, your agent can obtain quotes and rates from multiple companies. Thus, you can be sure you are getting the right coverage at a great price. Independent agents may be able to offer you a discount for having more than one policy with the same company. Or, they may give you best overall plan by providing different coverage options from more than one company.

Independent agents can save you time and money by doing your comparison shopping for you. All agents in the Trusted Choice network are independent.


Find the Right Idaho Car Insurance

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:

  • Bodily injury liability
  • Property damage liability
  • Uninsured/underinsured motorists coverage
  • Medical payments
  • Comprehensive coverage
  • Collision coverage
  • Coverage for towing, roadside assistance and emergency vehicle rental reimbursement

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.


Be Sure to Carry Sufficient Idaho Homeowners Insurance

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:

  • Dwelling coverage: This covers your dwelling and any attached structures. It usually includes unattached structures on the same premises up to 10% of the home's value. There is also limited coverage for trees, shrubs and plants included.
  • Personal property coverage: This covers property kept in the home, but there are limits on certain high value items like jewelry, furs, original artwork, money, securities and stamp and coin collections so you may need to purchase additional riders to achieve full coverage.
  • Additional living expense: This covers expenses for temporary living quarters if a covered peril causes damage to your home and you have to temporarily live elsewhere.
  • Liability insurance: This covers payments, court costs and legal fees in the event that you are responsible for bodily injury or property damage to another due to negligence on your property or if you are sued for libel or slander.
  • Medical payments: This covers medical costs to someone injured on your property even if you are not at fault.

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.


Put Together an Idaho Business Insurance Plan

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:

  • Building coverage: This covers the building in which your business is housed if you own it.
  • Contents coverage: This covers damage or loss to your business-owned property including such things as equipment, furnishings and merchandise.
  • Personal property off-premises coverage: This covers things like mobile equipment, goods in transit and property in storage.
  • Business interruption coverage: This provides you with a continuation of income if your business must temporarily close down due to a covered event.
  • General liability coverage: This protects your business from lawsuits if a third-party suffers bodily injury or property damage on your business property.
  • Products liability coverage: This covers you against lawsuits if the goods your business sells or produces cause injury or damage to another person.
  • Professional liability coverage: This covers your business against errors or omissions exposure.
  • Automobile liability coverage: This covers your business against liability claims if one of your company-owned vehicles is involved in an at-fault accident.
  • Comprehensive and collision coverage: This covers your company-owned vehicles against the cost of damages, regardless of fault.
  • Workers compensation coverage: This covers your employees' medical expenses if they have a job-related injury.
  • Umbrella liability coverage: This increases your liability coverage.
  • Employee benefits coverage: This includes coverage types like life, health and disability for the people on your staff.
  • Life insurance coverage: This covers insurance for key personnel and the cost of funding a business perpetuation plan.

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.


Consider Purchasing Idaho Life Insurance

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:

  • Term life insurance: This type of policy stays in effect only for a given number of years, or a term, and then it expires. These policies carry no cash value. Many people prefer term life because it provides a way to purchase high amounts of coverage at low, affordable rates. Most people buy term insurance with the expectation that by the time the term expires, their house will be paid off and their children will be grown and financially independent.
  • Permanent life insurance: This type of policy lasts for as long as you continue to make payments on your premiums. You can lock in low rates while you are young and healthy and maintain those rates throughout your life. These policies are more expensive than term life, but they have a cash value and can serve as an investment. You have the option to cash in your policy at any time during your life.

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.


Find Affordable Idaho Health Insurance

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.


Do You Need Idaho ATV Insurance?

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:

  • Liability coverage in case you injure another person or their property while operating your ATV
  • Comprehensive and collision insurance to cover repair or replacement costs if your ATV is damaged or stolen
  • Uninsured/underinsured ATV motorists coverage to pay medical bills and repair costs if you are struck by a driver who does not carry adequate insurance
  • Medical payments coverage to pay medical bills if you or a passenger is hurt on your ATV, regardless of fault

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.


Start Comparing Idaho Insurance Quotes Today

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.

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