Author: AgentInsure

How to Update Your ATV Insurance Policy for Summer Fun

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As the weather begins warming up, you might spend more time outdoors. Riding ATVs is a fantastic way to unwind before returning to the hustle and bustle of the workweek. However, before planning your next outdoor adventure, it’s crucial to consult with Safechoice Insurance Agency of Rochester, MN, on how to update your ATV insurance policy for summer fun.

Quick Reminders on ATV Insurance

Remember that your ATV cannot be added to your current auto insurance policy. You’ll want to have a separate policy that includes liability coverage. It’s your responsibility to specify the terms of your intended use of your ATVs in the policy agreement. Also, confirm if you want an age restriction on who can operate a recreational vehicle off-road. If not, you may want to include additional coverage to your existing ATV insurance policy.

The Most Common ATV Insurance Policy Additions

ATV owners typically change their insurance policy before taking their vehicle out of storage. In the off-season months, policyholders temporarily remove collision and liability coverage. However, each should be reinstated to active status before taking your ATV out of storage.

Collision covers all repairs and replacement of your ATV if you collide with another recreational vehicle or hit an immovable object during an off-road ride. Liability coverage assists with all injuries sustained by the rider in an accident. Other owners will add comprehensive coverage to their existing ATV insurance policy. It protects them against events that occur beyond their control. The coverage includes protection from theft, vandalism, striking an animal, fire, or extreme weather damage.

Updating your ATV insurance policy is the first step to summer fun. The staff at Safechoice Insurance Agency of Rochester, MN, can ensure your coverage needs are met. Call and schedule an appointment today.

Will Renters Insurance Cover Water Damage?

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Water can potentially damage many of your belongings, such as furniture, rugs, electronics, and tools. It can be particularly harmful if it causes mold to grow. Fortunately, renters insurance can protect Sandpoint, ID residents against losses associated with certain types of water damage.

What’s Covered?

Renters insurance often covers water damage caused by wind-driven rain, ice dams on roofs, vandalism, burst pipes, or overflowing plumbing fixtures. However, there are some exceptions for negligence. Sewer backup coverage is frequently offered as an optional rider. Remember that one insurer may not cover the same things as another.

What’s Not Covered?

A renters policy probably won’t cover your belongings if they’re damaged by flooding associated with a body of water, such as an overflowing stream, river, lake, or ocean. If you risk flooding in your location, you can purchase separate flood insurance for a rented house or apartment.

Keep in mind that renters insurance covers most of your dwelling’s contents but not the building. If water damages things like doors, windows, flooring, or electrical fixtures, your landlord is generally responsible for the repairs. Separate building insurance is available for landlords.

Documentation

If your policy covers water damage, it’s important to have proof of the losses. Take photos that clearly show the damaged or destroyed belongings. Keep your receipts for the original items, replacements, and any repairs. If you lose a receipt, you might be able to print it from an email message or your account on a retailer’s website.

Selkirk Insurance Services has served the people of northern Idaho for more than 15 years. Our friendly Sandpoint, ID staff can help you find the right renters policy. To learn more about Selkirk Insurance Services, please call 208-263-0888 or text us at 208-427-3341.

Does Religious Institute Insurance Cover Legal Costs in the Event of a Lawsuit?

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Churches in Sandpoint, ID, can be sued for several reasons. Common lawsuits include abuse, property disputes, insurance disputes, and zoning issues. However, any religious institution can also be held legally liable for accidents, breaches of private information, and other incidents. Thankfully, religious institute insurance can cover many of the legal costs associated with a lawsuit, enabling a religious institute to avoid financial ruin in the event of an unfortunate incident.

Understanding Legal Costs Coverage

Legal costs covered by a religious institute insurance policy will vary depending on the policy you pick and your deductible. However, generally speaking, many policies cover both property and liability insurance. This includes potential accidents on the premises, on outings, and during organized activities that take place off the property. Liability covers damage to valuable items belonging to visitors if these items are stolen, lost, or damaged.

Religious institute insurance can also cover legal costs that may arise in the event of a cyberattack. This is an important form of coverage because cyberattacks against religious organizations have been on the rise since 2020, and anyone who loses personal information as a result of a breach can sue you for failure to protect their information.

Contact Selkirk Insurance Services for More Information

Selkirk Insurance Services offers religious institution insurance to religious organizations in and around Sandpoint, ID. Our team will help you assess your needs, recommend policies, and provide information on getting top-tier coverage at the best possible price. Contact us to learn more about how to protect your organization or get price quotes on specific policy options.

How Farm & Ranch Insurance Helps Protect Livestock from Unexpected Event

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Farmers and ranchers invest countless hours and resources into caring for their animals, but unexpected events can put that investment at risk. At Selkirk Insurance Services in Sandpoint, ID, we understand the challenges of raising livestock and know how important it is to have the proper protection in place. Farm and ranch insurance can help safeguard your animals from unforeseen threats, ensuring that your operation stays strong even when the unexpected happens.

Guarding Against Natural Disasters

Severe weather can strike at any time, and livestock are particularly vulnerable to events like storms, floods, wildfires, and extreme temperatures. Without the right coverage, these disasters can lead to devastating financial losses. Farm and ranch insurance helps cover losses caused by natural disasters, giving you the support you need to recover and rebuild.

Insurance for Accidents and Illness

No matter how carefully livestock are managed, accidents and illnesses can still occur. Whether it’s an injury from an unexpected predator attack, disease outbreaks, or transportation-related incidents, these situations can take a toll on both your animals and your bottom line. Insurance can help offset veterinary costs or even compensate for the loss of valuable livestock, ensuring that your business doesn’t suffer a major setback.

Financial Security for Your Livelihood

Livestock are more than just animals—they are a crucial part of your livelihood. Having the right insurance in place means you won’t have to bear the full financial burden when something goes wrong. Instead, you can focus on keeping your ranch running smoothly.

If you’re looking for reliable farm and ranch insurance to protect your livestock, Selkirk Insurance Services in Sandpoint, ID is here to help. Contact us today to learn more about your coverage options.

Three Times You Might Need to File an Auto Insurance Claim

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While collisions with other vehicles are perhaps the most common car insurance claims, they’re not the only ones. Here are three other situations where you might need to file an auto insurance claim.

1. Accidents Involving Pedestrians

Striking a pedestrian on Main Street is undoubtedly a reason for an insurance claim. There’s a high likelihood that the pedestrian might suffer injuries, which would typically be covered under your auto insurance’s injury liability protections. These claims can become quite costly if the injuries are severe.

Accidents involving pedestrians occur more frequently than drivers might think. A momentary distraction by the shops in Sandpoint, ID, and you could hit someone crossing the street.

2. Damage from Falling Trees

While many homeowners are aware of potential tree hazards that could damage their house, drivers often overlook the risk of trees falling on their cars. High winds and damaged trees can cause a branch or an entire tree to fall onto your vehicle, causing significant damage to the windshield, other windows, roof, and hood.

Damage from falling trees is a non-collision claim that falls under comprehensive coverage. Comprehensive auto insurance coverage generally protects against non-accident damage.

3. Mechanical Failures

A failed alternator will leave you stranded on the roadside. The alternator recharges your vehicle’s battery as you drive, and if it fails, you’ll lose power. (Note: Electric vehicles don’t have alternators).

Roadside assistance coverage is designed for situations where you’re stranded due to mechanical failure. While it’s not a standard protection, many auto policies offer it as an add-on. We at Selkirk Insurance Services can help you add this to your policy.

Review Your Auto Insurance

Of course, these claims are only valid when you have the appropriate auto insurance coverages in place. If you’re in Sandpoint, ID, we at Selkirk Insurance Services can help you review your coverages.

How Much General Liability Insurance Does My Business Need?

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Business liability insurance safeguards your business against most unexpected events. However, did you know it’s possible to have too much insurance? Over-insuring isn’t necessarily harmful, but it means you’re paying for coverage you don’t need. At Selkirk Insurance Services in Sandpoint, ID, we understand local businesses’ insurance needs and can help you determine the right amount of general liability insurance for your business.

Liability Coverage Tailored to Your Business Type

A business that frequently interacts with the public needs substantial coverage to handle accidents and incidents that can occur. Conversely, a business closed to the public with few employees still requires liability coverage, but to a lesser extent.

Property Insurance to Safeguard Your Assets

Property insurance is designed to protect your physical assets, such as buildings and their contents. This coverage shields you from losses due to certain types of damage and theft. It also provides financial support if you’re sued and need to defend your business.

Appropriate Coverage Limit for Your Business Size

Consider how much money you would need if you lost your entire business. This will help you decide whether to purchase a $1 million or $2 million general liability policy or whether you need more coverage.

Ensure You Have the Correct Coverage

It’s crucial to have a general liability insurance policy that helps you recover from adverse events. At Selkirk Insurance Services, we’re ready to help businesses of all sizes in Sandpoint, ID, secure a policy that delivers peace of mind. Contact us today to learn more about business insurance and what it covers, and let us find the right policy for you.

Understanding the Allure of Universal Health Insurance Plans

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Healthcare has been a hot topic in the US for several years, with much discussion around universal health insurance plans. But is all the hype justified? What’s the real appeal of health insurance plans, and should you be interested? Health insurance is a top priority for nearly everyone, as it’s irreplaceable when you’re sick or injured. That’s why many people and families in the greater Sandpoint, ID area trust the professional team at Selkirk Insurance Services for their healthcare needs.

Is Universal Health Insurance Right for You?

Universal health insurance plans aim to provide access to healthcare for all. However, it’s important to consider both sides of the coin. Will universal health insurance guarantee faster service, better care, or more control over your healthcare? Probably not. The real allure of universal healthcare is financial. But does that mean it’s the right plan for you and your family? That’s a discussion best had with your insurance agent, highlighting the importance of working with an experienced agent for your healthcare questions and concerns.

Health Insurance Solutions in Sandpoint, ID

If you live in or near Sandpoint, ID, and have questions or want to learn more about your healthcare options, we can help. Contact us at Selkirk Insurance Services to find out more and schedule an appointment for the health insurance solutions you deserve.

How Wedding Insurance is Beneficial for Destination Weddings in Sandpoint, ID

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Planning a destination wedding is a dream for many couples, though it can be a unique venture that comes with even more challenging risks. If you’re planning a wedding in Sandpoint, ID, it’s important to consider investing in wedding insurance. With wedding insurance from Selkirk Insurance Services, you can maintain your peace of mind while protecting your investment on your special day to ensure it goes as smoothly as possible, even if you experience the unexpected.

The Benefits of Wedding Insurance for Destination Weddings in Sandpoint, ID

Wedding insurance can help cover the following if you’re interested in destination weddings in Sandpoint, Idaho:

  • Vendor Issues: If you are struggling with out-of-town or out-of-state vendors, wedding insurance can help reimburse expenses or, with some assistance, provide help in finding replacement staff or vendors.
  • Weather-Related Issues: Unfortunately, predicting the weather is not always possible, especially when planning a destination wedding. Wedding insurance can help cover rescheduling costs if you experience extreme or unexpected weather.
  • Accommodation/Travel Protection: The right wedding insurance policy may cover flight cancellations, disruptions, or even mishaps at a local hotel.
  • Liability Coverage and Protection: Liability insurance can help cover injuries and damage that may occur during your destination or the celebration you are planning during the ceremony itself.

Whenever you’re planning a destination wedding in Sandpoint, ID, it’s important to cover your bases in advance, especially regarding insurance. With wedding insurance, you can ensure coverage for unexpected cancellations, travel, liability, and weather incidents so you can enjoy the planning process as much as possible. For more information on wedding insurance available to you in Sandpoint, ID, contact Selkirk Insurance Services for your quote and consultation today.

Is Vandalism Covered By Your Car Insurance Policy?

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The most common type of damage that auto insurance companies pay out is damage caused by auto accidents. However, this isn’t the only type of damage that is covered. Here at Selkirk Insurance Services, serving the greater Sandpoint, ID region, we want to help you understand what is and is not covered. Here’s more information about whether your car insurance policy covers vandalism.

What Is Vandalism?

There are many ways that an automobile can be vandalized. Some of the most common include windows being broken out or shattered, the body being keyed or scratched, spray paint being used on the car, or tires being slashed. Your vehicle is also considered to have been vandalized if someone attempted to break in to steal it but failed, potentially damaging elements in your car, like the steering wheel column.

Does Your Car Insurance Policy cover Vandalism?

If you carry comprehensive coverage, sometimes called full coverage, your vehicle is protected against vandalism. If you have state minimum insurance, also known as liability-only policies, your vehicle will not be protected against vandalism. If you have a loan out on your car, your lender requires you to carry full coverage, and you will be covered. If you’re unsure if your policy covers vandalism, your insurance agent can read through your policy and help you better understand what is and is not covered.

Ready to Get the Auto Insurance Coverage You Need? Call Selkirk Insurance Services Today

Here at Selkirk Insurance Services, serving the greater Sandpoint, ID area, we want to help you find the insurance products you need. Call us today to discuss your auto insurance needs.

How Umbrella Insurance is Beneficial for Sandpoint’s Small Business Owners

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If you’re a small business owner in Sandpoint, ID, protecting your investment and commercial property against unexpected risks is essential to maintaining financial stability. Umbrella insurance can help provide an additional layer of liability coverage to cover high-cost incidents and extend beyond standard policy coverage solutions. If you’re interested in adding more protection and coverage to your business, Selkirk Insurance Services can help.

The Importance of Umbrella Insurance for Small Business Owners in Sandpoint, Idaho

If you’re a small business owner living in Sandpoint, Idaho, it’s important to know why you need umbrella insurance, whether you’re running a start-up or looking to grow an existing small to medium-sized business. Here are a few reasons why small business owners need umbrella insurance in Sandpoint:

  • Large Settlement Coverage: If you’re facing high settlement costs, it’s vital to have an umbrella insurance policy that can help cover what you may not be able to afford out-of-pocket. This can include lawsuits involving defamation, personal injury, or even property damage.
  • Protection: If you’re dealing with a lawsuit of any kind, umbrella insurance policies can provide additional protection and peace of mind by offering protection beyond standard insurance policies for businesses.
  • Risk Management Solutions: Whether you offer services as a professional freelancer or you own a retail store, umbrella insurance can support various small businesses in most industries today. The right umbrella insurance policy from Selkirk Insurance Services can cover liabilities that general commercial insurance policies don’t.

Assessing the specific challenges your particular business faces and may encounter is crucial when obtaining a suitable umbrella insurance policy that’s right for you. At Selkirk Insurance Services, we’re here to help protect your hard work by finding the right umbrella insurance policy that always offers adequate protection. For your quote and to learn more about umbrella insurance policies for your Sandpoint, ID business, contact Selkirk Insurance Services directly today.

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