Category: Insurance

If you are looking to move into a rental apartment, condo or home, you may be looking to obtain renters insurance. One of the questions that we are often asked at The Insurance Shop USA, serving the greater Sandypoint, ID area, is whether you can set up a renters insurance policy before you actually move in. Here is some information you will want to know. 

Wait Until You Have a Signed Lease

If you are looking to take out a renters insurance policy, make sure you have a signed lease in place before you attempt to get a policy. Many people make the mistake of attempting to take out a policy before the lease is a done deal. Unfortunately, until things are signed, they may fall apart. If you take out a policy and your lease falls through, you may be stuck with a non-refundable first payment and wasted time. 

Your Policy Can’t Start Until Your Lease Start Date

Next, it is important to understand that while you can set up your renters insurance policy before you actually move in, the effective date must match the effective date on your lease. Some people begin to move their belongings in a few days before their lease actually starts and try to start their renters insurance a few days early to protect the items they have moved there. However, your policy only protects you while are under an effective lease. If your lease is not yet valid, your policy will not yet be either. 

If you are preparing to move and looking for a new renters insurance policy in the greater Sandypoint, ID area, let The Insurance Shop USA help. Call us today to get a free quote or to get started putting the perfect policy for you together. 

When people plan a wedding, there is so much time and energy spent on the important details such as the guest list, the food, the band and the flowers. With so much going on during the process, many couples neglect to think about protecting the significant financial investment of the wedding itself. However, there are some great insurance policies available to make sure one is protected financially in case something goes wrong on the big day.

Many people wonder what wedding insurance protects against. There are two types of coverages available in the marketplace. The first coverage is referred to as cancellation and postponement coverage. In the event, that your wedding must be canceled or postponed, this policy will protect you from any financial loss. It is important to note that this coverage is not meant to reimburse you should you decide not move forward but for reasons out of your control such as the venue closing or severe weather. If you are planning a winter weather in Sandypoint, ID,  it is critical to protect against a delay due to weather!

The second coverage available is a liability policy that will protect you financially in the event someone is injured at your wedding or damage is caused by one of your guests. You will also want to check the contract you have with the venue as many businesses will require this coverage. If it is necessary, you should share the contract with your agent at The Insurance Shop USA to ensure you are carrying the required limits.

No bride or groom wants to think of a situation in which a wedding could be canceled or a guest being injured. However, it is important to remember that a wedding is a significant financial investment and should be protected. If you would like to learn more about wedding insurance, please reach out to us at The Insurance Shop USA, we proudly serve the Sandypoint, ID area.

Coverage for your farm combines elements of a homeowner’s policy with commercial property insurance, as many farmers live where they work. If you farm in the Sandpoint, ID area, The Insurance Shop USA may have just what you are looking for. Here are some different types of insurance you may encounter when seeking coverage for your farm.

Crop Insurance

There are a couple of different kinds here.

• Crop-Hail Insurance- This one is pretty self- explanatory. It protects your crops in the event of hail. Many farmers purchase this for high-yielding crops.
• Multiple Peril Crop Insurance (MPCI)- In some cases government subsidies are offered to farmers to offset the costs of insurance. The MPCI is part of the Federal Crop Insurance Program. It covers loss of crops from a number of natural causes such as drought, moisture, disease and extreme cold. MPCI also includes price protection to cover farmers’ revenues in the event of a low crop yield or changes in the market.

Livestock Insurance

Much like crop insurance, livestock insurance protects your investment in your cattle should a covered accident occur. If a fire, blizzard or other natural disaster should strike, you will be covered.

Property and Casualty Insurance

This covers your property against things like theft and vandalism. It provides liability coverage if someone who works for you gets injured on the job. This may also be called commercial property insurance.

In the state of Idaho, if you have one or more employees, you must also carry Idaho Worker’s Compensation insurance.

Home Owner’s Insurance

Because farmer’s tend to live where they work, homeowner’s insurance should be a part of your package. Make sure that not only your Sandpoint, ID home but out buildings are covered. Depending on their use, out buildings may also be covered by commercial property insurance.

When your home and livelihood are both on the line, it is important to make sure you have the right coverage. Don’t be afraid to ask your insurance agent about discounts for bundling policies. And if you are looking for farm insurance in Sandpoint, ID, be sure to check out The Insurance Shop USA.

A religious institution performs a truly priceless service for a community by helping to bring everyone together with one common purpose. The leaders there share in all the major celebrations in one’s life, from beginning to end. They give members advice and guidance during difficult times, and they help to instill a set of values about how to treat ourselves and one another. It’s worth taking the time to protect an organization, so see if you need religion institution insurance for your organization in Sandpoint ID. 

Evaluating Your Assets 

Religious institutions that operate out of the most famous cathedrals in the world already know they need some form of insurance. With all of the art and history, they keep under their roof, there are so many reasons to make sure that it’s protected from vandalism, theft, or natural disaster. But there are other organizations that aren’t quite so straight-forward. Let’s say you hold a community bake sale and one of your members is injured or robbed. Do you have a way to step in and provide help?

The Insurance Shop USA has seen how devastating it can be not to have any coverage at all (or the wrong level of coverage.) Religious leaders take on a lot of liability when they work with any given neighborhood, so it helps to have safeguards in place if something does go wrong. 

Seeking Help 

When you seek help for your insurance needs, make sure you have all the details in front of you. The Insurance Shop USA serves the people of Sandpoint ID so they can understand if they need insurance, and what type of policy will work best for their goals. Let us give you a helping hand if you think you may need religion institution insurance when you call us today. 

To have a productive and happy family, you need to protect them from any health problems. You need to be sure that even if one of your loved ones fall sick, they can get the best treatment without having to worry about the expenses. We as The Insurance Shop USA, are committed to serving the people of Sandpoint, ID with the best service because we understand the importance of family.

We have different health insurance options to cater for your needs depending on your preference. We can insure your health as an individual as well as that of your family. All you need to do is see one of our specialists to get guidance in choosing the best cover for you and your family.
But what is the importance of getting a health insurance cover for your family? Here is a glimpse of some of the benefits of insuring the health of your family.

• Accessibility to medical care

As long as you have a medical insurance cover, you and your family can access the best medical care services regardless of your background. Also, with a health insurance cover, you can get a timelier care compared to a person with no cover.

• Peace of mind

With a medical insurance cover, you can relax wherever you know that your family is protected. You don’t have to be there for them to get medical services. You just need to call your insurance company, and everything you need such as an ambulance is availed to you. You don’t have to worry which hospital to go.  You can just visit any hospital of your choice or one that you think can provide the best services.

If you are in Sandpoint, ID , You have the opportunity to get health insurance from The Insurance Shop USA which is an insurance company that cares for you. Don’t hesitate: Contact us today or visit our website to get more information on the benefits of health insurance

As a business owner, you have an assortment of insurance options available. Some coverage your business will not need, while other forms are vital in protecting your business. Depending on the kind of company you run you may want to consider Product Liability Insurance. At The Insurance Shop USA, we want to help educate you and make sure your Sandpoint, ID business is properly protected. That is exactly why you need to know why Product Liability Insurance is an important commercial insurance policy. 

What is Product Liability Insurance

If your company produces or manufacturers products for sale, this is an insurance coverage you need to consider. You likely do everything in your power to ensure the highest quality product is constructed within your business. However, there may be times where the product causes some kind of health or safety problem with a consumer. Whether they simply did not handle it properly or it is just a one-off defected product, a customer may be able to sue your company due to the damage or health concern it caused. Without Product Liability Insurance, you may be left paying for legal fees and settlements out of pocket. Based on the situation, this can add up. 

Product Liability Protection

As is the case with many other forms of commercial insurance, this is not one size fits all. You can have it tailor constructed to fit your business needs. 

Depending on the kind of business you run, Product Liability Insurance may be a valuable investment for your company. At The Insurance Shop USA, we want to help educate you on the insurance coverage and point you in the right direction for your insurance needs, regardless of if you run a Sandpoint, ID business or one in the surrounding communities.