How do farmers benefit from farm insurance?

Whether farming is your main source of income or simply a hobby, you might have already noticed how bad things can get if you are not adequately insured. The majority of Idaho Falls, ID dwellers depend on farm produce to feed their families. So, if you’re thinking of making farming your full-time job, it’s essential that you understand the ins and outs of farm insurance, including the benefits that come with the policy. Here are a few benefits we thought you should know.

Protects your farm equipment and machinery

Farming activities require the use of heavy equipment and machinery to get things done faster and efficiently. Farmers will benefit from the farm machine coverage that helps repair or replace their equipment if they are damaged or destroyed by a covered peril. At Insure It All, we recommend taking good care of your equipment as normal wear and tear, inappropriate use of machines or intentional equipment damage is not covered.

Protects your livestock and farm products

To be a farmer, you will need to deal with grains, seeds, livestock or all. Fortunately, all these items are covered in your farm insurance in case of a fire or disaster. Remember anything planted including trees and crops are not covered. Farm insurance offers broad coverage for your livestock if they’re injured or killed by a covered peril.

It comes with a liability coverage

Like home insurance, your farm insurance provides liability protection for bodily injury, property damage, and medical expenses. In addition, the coverage pays legal fees if you are sued for any farm-related injuries or damage. Remember, accidents are quite common on the farm, especially if you use complex machinery, or your farm animals decide to feast on a neighbor’s crops.

Looking to buy farm insurance in Idaho Falls, ID? You are in luck because Insure It All is here to make your dreams come true. Feel free to contact us today!

3 Top Benefits of Flood Insurance in Idaho

If you have a business or home in Idaho Falls ID, you may ask whether you really need flood insurance. While the state or your mortgage lender may not require you to purchase flood insurance, you need to flood insurance from Insure It All to enjoy the below benefits. 

Protection of your assets

Flood insurance protects your home and its contents from flood damage. The National Flood Insurance Program (NFIP) protects your home structure up to $250,000 and your assets up to $100,000, but you can increase your minimum coverage at an extra premium. 

While you may have home insurance, standard home insurance doesn’t cover damage resulting from floods. That being said, protect your prized asset from water damage by purchasing a flood insurance plan from us. 

For peace of mind

But I don’t live in a flood-plain area, why should I buy flood insurance? Whereas your area may not be classified as a flood-risk area, your house may still suffer damage by floods. You don’t believe it? According to FEMA, approximately 20% of flood insurance claims are made by persons living in low to moderate flood-risk areas!

To that end, if you don’t want to panic every time the weatherman indicates an imminent storm, buy flood insurance to keep you relaxed, knowing that your home is covered.

To protect your loved ones

Your home is a safe haven for your loved ones and pets. While you have protected your dear ones with home insurance, take the protection to the next level by acquiring flood insurance. Although flood insurance won’t stop floods, it ensures that your family will have a home even after floods strike. 

Buy flood insurance today!

Would you like to protect your Idaho Falls, ID home against flood damage? Please talk to Insure It All for a competitive quote. 

Why should I get toy insurance in Idaho?

Those that live in the Idaho Falls, ID area will enjoy all of the local parks and recreational areas to enjoy. If you would like to live in this area, owning a recreational toy and asset will give you something that you can enjoy throughout the year. Along with one of these assets, it is very important that you properly insure it. There are a few important reasons why you should get a toy insurance plan here.

Insurance Offers Liability Coverage

An important reason that anyone should get a toy insurance plan is to receive liability coverage. Those that are going to operate a recreational toy will take on the risk that they could cause an accident. If you do cause an accident that results in damages, it will be your responsibility to pay restitution. With a full toy insurance plan, you will obtain the coverage that you need to offset this risk. 

Insurance Protects Your Asset

You should also pursue a toy insurance plan as it can help to protect your assets. If you purchase a recreational toy, you will buy an expensive asset that you will want to enjoy for a long time. The best way that you can protect this asset is with toy insurance. If you have proper coverage, it will give the protection needed to repair or replace this asset if there is an accident or the toy is stolen. 

If you are shopping for toy insurance and you are in the Idaho Falls, ID area, it would be a good idea for you to call the team at Insure It All. The insurance professionals with Insure It All can offer you the guidance that is needed to choose an insurance plan for your recreational toy. This can help ensure that your asset is properly protected with a quality insurance plan. 

How Important Is it to Have Flood Insurance in Idaho?

Do you really need to have flood insurance if you live in Idaho? It may not be required by your landlord or mortgage lender, but there are some reasons it may benefit you in the long run. Talk to an agent from Insure it all of the Idaho Falls, ID region to determine if it’s a good choice for your situation.

Protection of Your Dwelling and Belongings

Homeowner’s insurance doesn’t necessarily cover everything in your home. If there’s a big storm or some other disaster that leads to flooding in your house, you don’t want to find out that there’s nothing you can do to repair or replace parts of the building or your personal items. This is why it’s important that you’re prepared by getting a flood insurance policy before this occurs.

National Flood Insurance Program

FEMA does offer coverage under a National Flood Insurance Program to people who are in flood zone areas. You would get this through an insurance company and your independent agent can find out if you’d be eligible for it. Otherwise, there are other options you can look into and the costs vary depending on where you live and how severe of a risk it is there. Once you have good coverage, you’ll want to stay covered for as long as possible.

Assistance You Can Rely On

It’s important to have an insurance provider you can trust. With Insure It All, you’ll get to sit down and discuss your concerns and needs, and they’ll work with you to determine the best insurance policies including flood insurance. Contact us right away if you’re in the Idaho Falls, ID area and would like to make an appointment.

Group Benefits Insurance Options in Idaho Falls, ID

If you live in Idaho Falls, ID, you might be curious about group benefits insurance and how it applies to you. If you want to know more about this topic, you can consider Insure It All and what this agency has to offer.

There are benefits packages that individuals in the state of Idaho can receive if they are employees of political subdivisions, state agencies, colleges, and universities. These benefits packages include all sorts of insurance coverage, such as medical and dental insurance, life insurance, and disability (both short and long-term). Additionally, people can obtain flexible spending accounts that they can use for health-related expenses.

The state of Idaho is completely insured for some coverage is, such as dental and medical. Every medical plan includes prescription drug coverage and vision benefits, as well as an Employee Assistance Program. Employees who are eligible for these benefits will receive basic life insurance as well. This will include accidental death and dismemberment, as well as both short and long-term disability. They can also take the option to buy additional voluntary term life coverage. There is an additional option for them to be able to obtain a flexible spending account, which can help quite a bit with medical and daycare expenses if this is needed.

If you live in any city in the state of Idaho, you have many options in terms of group benefits insurance. There are certain coverages that you can opt-out of if you do not think that they are useful for you.

If you want to know more about group benefits insurance in Idaho Falls, ID, you should feel free to contact the professionals at Insure It All. They will be able to answer your questions about group benefits insurance and perhaps point you in the right direction to be able to choose a policy that will help you.

Health Insurance To Protect Your Future

There are a lot of different insurance products available to protect your home, car, business, and more. But what about your health? That’s a precious commodity that’s worth protecting, and yet many people don’t have the right coverage for their needs. If you’re in the Idaho Falls, ID area and aren’t sure about the health coverage you have or need, Insure It All can help. We understand that this type of insurance can be confusing. There are many different policy options and a lot of choices to make. But with a knowledgeable agent on your side, it’s easier to make the right choices and have coverage that truly offers you protection.

Taking good care of your health can mean a better, happier future. It can also give you the chance to do more of the things you want and need to do in life. Taking good health for granted is common, but focusing on protecting it is the way to go. Our agents are committed to helping you find the right policy for your health coverage, so you don’t have to worry about it anymore. Then you can feel safe and secure in the coverage level you have, and get back to enjoying life.

Reach out to us today at Insure It All. If you’re in the Idaho Falls, ID area and need health insurance, we can help. We’re also here to answer questions or go over an existing policy to see if it needs to be changed. Often, even people who already have insurance aren’t completely sure about what’s covered or what kinds of other options they might have. We can make sure you get the coverage you truly need when you work with our professional agents and get good information about your health policy options.

A Thorough Overview Of What Groups Benefits Insurance Entails

Based in Idaho Falls, ID, Insure It All serves the community by helping residents find insurance coverage. We are committed to providing our clients with excellent customer service. We hope to establish long-lasting relationships with our clients.

Group Benefits Insurance Overview

If you are a business owner in the Idaho Falls, ID area, consider researching group benefits insurance. Group benefits insurance allows you to cover all of your employees under one plan. If you have a large business, group benefits insurance is an efficient way to cover your employees. As an employer, you can help protect your employees in multiple ways through this policy.

The policy primarily covers your employees if they are ill and have to see a doctor. You can amend the policy to cover your employees if they have to undergo an emergency stay in the hospital. The policy also covers routine preventative care such as yearly screenings and checkups. Group benefits insurance also provides health coverage to the families of your employees.

Group benefits insurance also includes life insurance coverage. You have the option to help your employees prepare for the future. A group benefits life insurance policy covers your employees as they establish a foundation for their loved ones after they pass away.

Dental and vision coverage is another option that you can add to the group benefits policy to help protect your employees and ensure that they are healthy. The more coverage that you add to the policy, the more attractive the package will look to potential employees. Having a strong well-rounded policy can help your business attract the best talent.

Consult With Insure It All

Visit our website today to learn more information about group benefits insurance.

Why do I need health insurance in Idaho?

People that are in the Idaho Falls, ID area are going to have plenty of different insurance needs. One form of insurance that all people should take seriously is their need to have health insurance. There are several reasons why someone here may need to get health insurance.

Health Insurance Provides Access to Affordable Care

One of the main reasons that you need to get health insurance in this area of Idaho is that it can provide you with access to affordable care. To ensure that you are healthy, you will need to be able to see a doctor from time to time while also getting access to necessary medications. Further, if you are ever hurt or become seriously ill, getting the appropriate care is very important. While this care could be extremely expensive without coverage, those that have health insurance will have access to it at a far more affordable cost.

Insurance is a Requirement

Another reason that people need to get health insurance is that it is now a requirement. For the past few years, all people have been obligated by law to carry some form of health insurance. Normally, you will provide evidence of this coverage at the end of the year. If you are not properly insured, you could be penalized. 

Everyone in the Idaho Falls, ID area needs to get proper health insurance. If you are looking for a new policy here, you should call the team at Insure It All. When you do reach out to Insure It All to discuss your health insurance needs, you can learn a lot more about the way this insurance can protect you and your dependents. They can then help you build a policy that is ideal for your situation. 

How life insurance functions in Idaho

How life insurance functions in Idaho

The state of Idaho has some specific rules and regulations related to life insurance like every other jurisdiction in the United States. However, the state has also made changes in recent years that may affect how life insurance is purchased and maintained by some individuals. In 2009, the state started to regulate who can sell interests in life insurance policies more heavily. Anyone who sells these interests must now be subject to certain testing and licensing requirements. People looking to purchase life insurance in Idaho Falls, ID should also check to see if they are dealing with a company or agent who has met these legal requirements, such as the professionals at Insure It All. 

The death benefit

The main purpose of most life insurance policies is the death benefit. This is because the policyholder wanted to protect their family from sudden financial losses that may affect their ability to function shortly after their death. This benefit is the sum of the money named in the policy that will be paid to the beneficiary or the deceased person’s estate. A large sum can be paid out if the policyholder invested in a higher cost policy. 

Naming beneficiaries

Most policy owners will name a spouse or one of their children as a beneficiary, but it is possible that any other individual can be named under Idaho law. The beneficiary designation can also be changed at a later time if necessary. 

Speaking with an agent for more information

There are local agents with Insure It All who serve the area of Idaho Falls, ID. They can answer any questions related to the life insurance policy and activate a new policy that matches your needs. 

What are the Consequences for Not Having Commercial Insurance?

Failure to maintain commercial insurance in Iowa can have a significant impact on the business, the business owner, and employees. To be clear, Idaho requires commercial businesses to maintain two types of insurance at the state minimum- workers’ compensation and commercial auto insurance. Workers’ compensation is required for any business that employs one or more full-time, part-time or seasonal employees which helps cover the cost of medical bills for work injuries and illnesses that occur while working or at a location belonging to the business. As the name implies, commercial auto insurance is required for any vehicle that is owned by the business. Additionally, if employees are required to drive their personal vehicles while conducting work business you may need to have hired and non-owned insurance because most personal auto policies will not cover accidents that occur while the person is on the clock.

Failure to have adequate commercial insurance coverage means that you are in violation of Idaho state law and you could be subject to substantial fines that may ultimately result in the closure of your business. Additionally, if an employee is injured while at work or during work hours than you may be on the hook for the entirety of their medical expenses and any fees or penalties resulting from legal action that is taken. 

Consequently, having adequate commercial insurance can help safeguard your investment, livelihood, and your employees. When it comes to finding coverage, let the professionals at Insure It All in Idaho Falls, ID lend a hand. Our friendly and knowledgeable team will take the time to answer your questions, learn about your business, and present a personalized insurance product that best meets your needs. Give us a call today to schedule a complimentary consultation.