Category: Insurance

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.

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.

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.

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.

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.

Winter Storage Tips: Protecting Your Boat During the Off-Season

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As the boating season winds down, it’s time to consider safely storing your vessel for the winter months. At Selkirk Insurance Services, serving the community in and around Sandpoint, ID, we understand that proper storage is crucial to protecting your investment and ensuring smooth sailing next season.

Preparing Your Boat for Winter

The first step in winterizing your boat is a thorough cleaning. Remove any dirt, grime, and salt to prevent corrosion. Draining all water from the engine, pipes, and any onboard systems is essential to avoid freezing damage. Applying a coat of wax to the hull can provide an extra layer of protection against moisture.

Choosing the Right Storage Option

Deciding where to store your boat is a significant consideration. Indoor storage is ideal for maximum protection against the elements, but a high-quality cover is essential if that’s not possible. Ensure the cover is snug and secure to prevent any water from seeping in. Outdoor storage should include a sturdy frame to support the cover and prevent snow accumulation.

Maintenance During the Off-Season

Even while in storage, your boat needs occasional attention. Check on it periodically to ensure the cover remains secure, and there are no signs of pests. Ventilation is also important to prevent mold and mildew, so consider using a dehumidifier or moisture-absorbing products.

Let Us Help You Protect Your Boat Year Round

Protecting your boat during the off-season is vital for its longevity and performance. At Selkirk Insurance Services, we provide boat insurance in the greater Sandpoint, ID region. We offer comprehensive boat insurance to safeguard your vessel year-round. Contact us today to learn more about how we can help keep your boat safe and ready for your next adventure.

What Type of Liability Events Does Renters Insurance Cover?

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As a renter, you could be financially responsible and liable for certain situations. Even if you don’t own the property, you could be held liable since you’re renting the property. In these cases, the liability portion of your renter’s insurance comes in handy and helps you cover these expenses so you don’t have your assets frozen.

Pet Attack

One of the most common situations that happens with renters is pet attacks. If you’re a pet owner and you have visitors coming to your home, the potential for a pet attack is high, especially if your pet doesn’t do well with visitors or that person brings a pet onto your property. You can cover any medical expenses or personal property damages resulting from your pet attack with liability coverage.

Falling

If you have guests over, ensuring your home is tidy and that you’re in a secure area is essential. If your guests happen to fall because you were negligent with your property, like leaving furniture out or not mopping up spills, you could be found liable for someone falling and getting hurt while visiting.

Theft or Damage

If the home you’re renting is vandalized or stolen while someone is visiting, you could be held liable for replacing their property. As a tenant, you have the guest over, which means you’re responsible during that visit and could be held accountable in court for damages. This is where you’ll need liability coverage from your renter’s insurance, even if it wasn’t your fault.

These events may make you question whether you want guests, but don’t let that deter you from enjoying your life. With a renter’s insurance policy, you can have financial protection should an incident happen where you could be found liable. If you rent in the Sandpoint, ID area and surrounding communities, contact us at Selkirk Insurance Services today for more information.

Insurance Coverage for First Time Condo Owners

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Are you getting ready to move into a new condo that you have recently purchased? If so, consider the condo insurance coverage you may need throughout your ownership.

Temporary Living Expenses

If you encounter a situation that will require you to live outside the condo on a temporary basis, you will be responsible for the cost of securing an alternate residence. Your condo insurance policy can cover temporary living expenses. The insurance coverage will reimburse you for the cost of staying in a hotel or another type of dwelling. It will also cover out-of-pocket costs for food and other essentials you need while you are unable to occupy your condo.

Structural Materials

As a new condo owner, you will need to familiarize yourself with the responsibilities of the condo association that oversees the property where your condo is located. The paperwork the association furnishes you with will outline the property for which the association is responsible. Interior walls, flooring, and ceiling materials that comprise your condo may be your responsibility. The structural materials that you are responsible for maintaining should be added to your condo insurance policy.

Personal Possessions

Furniture, clothing, and household goods can be added to your condo insurance policy. Before your insurance documents are prepared, inventory the items you plan on storing within your condo. Take into account if any of the items are at risk of being stolen or vandalized. Assess the risk of a weather event destroying your possessions. Plan on insuring items of value that would be difficult to repair or replace.

Condo Insurance Plans in Idaho

Contact an agent who serves Sandpoint, ID. One of our agents at Selkirk Insurance Services will prepare your new condo insurance policy.

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