Home Insurance

The Weather In Idaho: Which Area Specific Weather Conditions Affect Your Home Insurance Policy

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What’s The Weather Like?

Ammon, ID is situated near Idaho Falls and has a good deal of snowfall during the year. With annual average snow accumulation reaching near the 500 inch mark, state homeowners have to make certain their home insurance policy reflects to protect against the damage that much snow can inflict on a home. Policies should reflect special attention on roofs and gutters which take a tremendous hit with so much snow. Special care should be taken in underwriting the heating systems in the home where Idaho temps often get to below freezing in the winter months of the year. 

All of that snow has to melt and that brings us to the other major weather concern in Idaho. Floods during the early spring time due to snow melt is a major problem. At Insure It All we also offer flood insurance for your home. 

Fortunately, Idaho does not have to worry about hurricanes and has a very low percentage of tornadoes on record. Insure It All also has umbrella insurance for those items not covered by flood or home insurance.  

When it comes to Insure It All, we are housed in Ammon, ID but we serve more than 40 states. Of course we have an affinity for our home state and appreciate sitting down with our clients face to face to discuss their insurance needs. However, if you live in one of the more than 40 states we and our partners serve, you can always contact us by email or phone to get quotes for the myriad of insurance policies we offer. Insure It All, insure everything and every aspect of your life. 

Can Increasing Home Security Lower Insurance Costs?

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Increasing your home security is a smart and practical means of saving on home insurance costs. Improved security will safeguard your home against theft, vandalism and trespassers to keep you and your goods safe from harm.

At Insure It All, Ammon, ID, we can provide you with valuable counsel on home security measures you can take to qualify for an insurance discount. The following are just a few ways you can upgrade the security of your property to protect your investment.

  • Install a security system that includes motion sensors on windows and doors that trigger a burglar alarm to alert you and your neighbors when someone is trying to enter your home.
  • Place security cameras in key locations as a deterrent to thieves and vandals coming near your property, especially when you’re not at home.
  • Replace antiquated locks on windows and doors with secure dead-bolt locks. Repair broken glass on windows that can facilitate thieves entering your home. If your windows are old and worn, replace them with new, modern windows that improve your security.  
  • Install motion sensor lighting at the entryway, sides and rear of your house to alert you when someone is on the property at night.
  • Join your local Neighborhood Watch Program to benefit from the help of others in watching over your home. This can be particularly helpful when you’re away on vacation or business travels.
  • Invest in a quality safe to lock up cash, jewelry and other valuable goods, making them less accessible to anyone who unlawfully enters your home.   

By putting these security measures in place, you can better protect your home and personal belongings which will help offset high home insurance costs. For additional information on home security and how to lower the cost of your insurance premium, contact one of our representatives at Insure It All, Ammon, ID.

 

Ammon ID Home Insurance That Meets Your Needs

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Remember when you were handed the keys to your first home? It was an exciting moment which might have felt a little scary as well. Home ownership comes with opportunities and responsibilities. While you no longer have to ask permission to hammer a nail into a wall, you do need to protect your investment. Home insurance coverage might seem like a ho-hum topic, but really, it’s only a bit dull if you have the right coverage and you feel safe and secure. When you don’t have proper coverage, then the feeling you experience may be more like a vague anxiety or worry about the future. What-if questions might pester you during the night: when there’s a heavy storm, or when you hear about burglaries in your area. So why not ease those anxieties? Enjoy the satisfaction of knowing you have the home insurance that meets your needs and you can just shrug off those worries with a ‘ho hum’ and go about enjoying your day. Serving the Ammon ID area, Insure It All stands ready to provide peace of mind when it comes to your investment in your home. Contact us today at 208-522-3380 or drop by our address at 919 South 25th East, Ammon, ID. 83406.

Are you about to close on your very first home? Or have you lived in your home for decades, with a recent addition on the south side? Perhaps you finally have your dream kitchen. Protect those items and more with sensible home insurance coverage. Our insurance agents can sit down with you and discuss Idaho state insurance requirements. We can help you inventory your possessions. Our agents at Insure It All can assure you that you have real coverage in case something unthinkable happens.

What should I look for in a home insurance policy?

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If you own your home and live around the Ammon, ID area, then you are probably aware pf just about everything that could go wrong or being damaged on your biggest possession.  The insurance agents at Insure it All have seen tornados, fires, acts of crime, and a lot more happen to homes just like yours.  Fortunately, that experience has made them in experts in what you need to protect yourself and your family.  If you’re in the market for a new insurance policy, be sure that you pay attention to these three key points.

  1. Get enough coverage.  One of the most common mistakes people make is to underinsure their home.  This is usually because people tend to underestimate repair costs.  Trust your agent to know what the average repair costs are in Idaho.  Make sure your policy provides enough funds to replace the structure and everything in it.
  2. Update regularly.  Every time you buy a new appliance or jewelry you need to update your policy.  The same is true if you have done any type of structural improvements on the house.   Use the opportunity to shop around and find a better rate on your insurance. 
  3. Consider your replacement cost.  After a disaster, you’ll have to replace everything you lost.  Unfortunately, many policies only give you funds for the value of the items you lost.  If you have older appliances or you lost a lot of possessions, that amount can be thousands less than what you need to get back on your feet.

If you’re thinking about getting a new homeowner’s policy, or if you just want to save money on the policy you already have, call the agents at Insure it All.  They have years of experience helping Ammon, ID residents find the insurance policy that meets their needs.