Is Toy Insurance Necessary for ATVs?

If you own an ATV or similar recreational vehicle, you’ll want to ensure it to prevent losses and liability. Anyone wishing to learn more about toy Insurance in the Idaho Falls, ID, area can count on Insure It All to provide them with the support and services necessary to protect their investments.

Toy Insurance Coverage 

Toy insurance is designed to cover the outlined risk for recreational vehicles and related items with a higher value. If you have an ATV, you may be required to carry insurance if it is used on the road or can exceed a specific speed. To find out if you need toy insurance in your area for the activities you use it for, you should consult one of our expert insurance agents. 

Keep in mind that anyone investing in ATVs or similar recreational vehicles should consider getting quality insurance to protect their investment. This insurance protects these recreational vehicles much like auto insurance. If there is a covered event, it can prevent any losses.

When you want top-quality toy insurance, our agents can help identify your current and future needs and match you with insurance policies that meet or exceed those needs. We can also provide exceptional customer support after the policy purchase to assist with any changes or submission of claims details. Our goal is to provide superior customer service to each and every individual who looks to us for quality insurance products and services.

Learn More 

If you’re ready to learn more about toy Insurance coverage, contact one of the expert agents at Insure It All. We proudly serve Idaho Falls, ID, and the surrounding areas. Find out how we can help provide security and protect against various risks with high-quality insurance coverage.

Does Flood Insurance Cover Other Buildings on my Property in Idaho Falls, ID?

If you live in Idaho Falls, ID, you may wonder whether your flood insurance policy will cover other buildings or structures on your property. Here’s a quick guide to help you understand flood insurance.

Types of Flood Insurance Coverage for Structures on Your Property 

The type of coverage you need depends mainly on the structure you are insuring. Generally speaking, most policies will cover the following types of structures: 

  • Primary Residence – Most flood policies include coverage for your primary residence. This includes damage caused by both sudden and gradual flooding events.  
  • Secondary Structures – A flood insurance policy may also cover secondary structures such as detached garages, sheds, gazebos, and other outbuildings.  
  • Additional Living Expenses – Depending on your policy type, you may also be eligible for additional living expenses if your home is damaged by a flood and needs to be temporarily vacated while repairs are being made.  
  • Contents – Many policies cover any contents inside a structure damaged by flooding (including furniture, clothing, electronics, etc.).  
  • Liability Coverage – Liability coverage helps to protect you from any legal claims that might arise out of a flood-related event (such as if someone slips and falls in a flooded area). Again, this should be verified with Insure It all before purchasing a policy.  

It’s essential to understand what kind of coverage you need based on where you live and any relevant local laws or regulations when purchasing flood insurance for other buildings on your property in Idaho Falls, ID. If you’re looking for more information about the specifics regarding different types of coverage available under these policies or want advice on which option might work best for you, contact Insure It All today!

Will RV Insurance Cover a Television Inside the RV?

Owning an RV is a fantastic experience. You can take the RV anywhere and check out national parks, campgrounds, and more. RV insurance is one of the more necessary insurance types because there is so much value the RV brings and initial buy-in with their high costs. Owning an RV in Austin, TX, and abroad requires research on RV insurance and understanding if it covers things like televisions inside. The Policy Source can help increase your education about what RV insurance covers and does not.

Contents Coverage

RV insurance brings with it a lot of different coverage types. One of the things that you can add to your RV insurance is what is known as content coverage. With contents coverage, you purchase coverage for the contents inside the RV.

Some of the things that content coverage will insure include electronics, personal effects, and even your television(s).  

With an RV, you will likely spend considerable time within it. You invest in the RV, so it is as comfortable as possible. This can include expensive televisions, sound equipment, furniture, and more. If something happens to the RV, that contents coverage can assist in helping recover the losses.

RV Insurance Before Hitting the Road

You want to have RV insurance before you make a move to hit the road. Whether you are driving from Austin, TX, or elsewhere in the United States, RV insurance can provide you with the necessary protection to help in an unforeseen event. The Policy Source can help further educate you about RV insurance and its benefits.

Importance of Group Benefits Insurance

Many businesses offer employee benefits such as health insurance. They can do that through a group benefits deal from their insurance company. Group benefits insurance is helpful for the employer, the employees, and the insurance company in many ways.

Importance of group benefits insurance for employers:

There are several benefits that the employer gets when offering a group benefits package to their employees. Companies with group insurance show they care more about their employees and attract more potential workers than similar companies that don’t offer group insurance. Employees are more productive, knowing their employer cares for them through their work and benefits. This benefits the employer because confident and happy employees are more productive, which makes the business more money.

Importance of group benefits insurance for employees:

Group benefits insurance has a cheaper premium than individual insurance because there is less risk for the insurance company. Paying less for your premium helps save money while still having the needed coverage. There is less to worry about when you don’t have to worry about the cost of insurance and whether a family member will need medical care. Getting group benefits is easier than buying an individual policy and the cheaper premium.

Importance of group benefits insurance for the insurance company:

Insurance companies prefer group benefits because there is less risk involved with a larger group of people. They still get the premiums but have less of a chance of needing to pay out for a claim.

Contact us

For more information about group benefits insurance, contact us or visit us at Insure It All in Idaho Falls, ID.

Four tips to stay healthy

Staying healthy is one of the most important things you can do in your life. Not only does it help you feel better physically, but it also helps you lead a more productive and happier life. There are plenty of different tips that people can use to stay healthy, and here are just a few of them:

1. Eat well. This means eating foods high in nutrients like vitamins and minerals while avoiding lots of processed ingredients or excess sugar or fat. Eating a balanced diet will give you more energy to keep going throughout the day and help prevent any health issues down the road.

2. Stay active by moving around regularly. Whether doing some physical exercise every day or just getting up and walking around the office a few times throughout the day, staying active can help you stay healthy.

3. Get enough sleep each night. Not getting enough sleep can lead to all sorts of health problems, including issues with your immune system and mental health. Ensuring you get at least seven or eight hours of sleep every night can help keep you feeling happy and healthy for years to come.

4. Manage your stress levels by taking time to relax each day. Whether it’s spending time in nature or practicing meditation or another form of relaxation, ensuring that you take some time out from work and other stresses is essential to staying healthy. If you let your stress levels get too high, you may struggle to remain physically or mentally healthy.

If you would like more tips to stay healthy, call Insure It All a call today. We proudly serve the Idaho Falls, ID area. 


Five Reasons Why You Need Health Insurance

1.) Future preexisting conditions may disqualify you from obtaining health insurance.

Depending on the company and other contributing factors, you may not be allowed to receive health insurance coverage once you have been diagnosed with a preexisting condition. This can include but is not limited to, cancer and other life-altering illnesses.

2.) Medical costs are constantly skyrocketing.

Due to the vast improvements in medical technology, scientists are more equipped to discover diseases and, in turn, find treatments or possible cures. With health insurance, you are more likely to afford any treatments you or your family may need.

3.) You can receive tax benefits for having health insurance.

Every year, your tax forms should include a question pertaining to health insurance, specifically whether or not you received health coverage throughout the year. This is included in the forms as an incentive, and you can receive a tax credit that will increase your tax return.

4.) You can protect your family.

If something were to happen to a member of your family, would you be able to pay for their medical care out-of-pocket? If not, you need to consider getting a health insurance policy seriously. 

5.) As you age, it may become more challenging to qualify for health insurance.

You can be diagnosed with nearly anything at any age, but it is well-known that getting older increases your chances of certain diseases. Be proactive and safeguard your future self.

Insure It All in Idaho Falls, ID has insurance professionals who can assist you in learning the ins and outs of health insurance. Call Insure It All today, or if you are in the Idaho Falls, ID area, stop by to discuss the process with one of their agents.

What type of life insurance is right for me?

Anyone living in the Idaho Falls, ID area will want to know that they are adequately insured. While there are many important forms of insurance to consider obtaining, having a life insurance plan is an excellent option as it can offer financial support and protection for those you care about. When looking at your options for coverage, you will find there are many choices to consider. You should consider the features and benefits of both term and whole-life coverage to determine which is right.

Term Life Coverage

One type of life insurance that is ideal for many people is term life insurance coverage. With a term life insurance plan, you will get to build a policy that is curtailed to meet your needs in terms of coverage and term length. This is also an ideal form of coverage as premiums tend to be affordable compared to other forms of coverage.

Whole Life Insurance

For many, whole life insurance is also an excellent option to consider. When you have a whole-life plan, you will get coverage for the rest of your life as long as you stay current with premiums. Further, some of your payment will accrue in an account and grow with interest. Eventually, you will be able to close and liquidate this account, which can also make it a good investment. 

As you are looking for a way to properly insure yourself in Idaho Falls, ID, calling Insure it All is a great way to start the process. There are a lot of choices to consider when looking for insurance, and Insure it All can offer the support you need. This will give you the comfort you need to select the right insurance plan properly. 

Is Commercial Insurance a Form of Liability Insurance?

Commercial insurance programs feature liability elements to protect employees and owners against injuries and legal matters. Generally, these policies cater to small businesses in Idaho Falls without protections provided by corporations. The built-in liability insurance of these business entities stops customers and other parties from taking the personnel assets of directors and workers. 

What Type of Commercial Insurance do I Need?

There are several components to add to a commercial insurance policy. The most important ones depend on your business. For instance, a print-on-demand company needs less liability than a refinery.

At a minimum, a commercial policy must have general liability, which covers potential medical costs and legal fees. In some situations, firms like Insure It All cover "advertising injury" within their commercial programs. It helps protect businesses deflect claims against copyright infringement and libel. An Idaho Falls, ID organization should reach out to its insurance provider to see if the program is included in its commercial policy. 

Additional Liability Insurance

There are other forms of liability coverage within a commercial policy. For instance, workers’ compensation covers employees when they’re injured. The program pays for medical expenses and lost wages while they recover. 

Commercial auto insurance also includes liability protection. Similar to a standard policy, it pays for damages related to single or multi-vehicle accidents. Usually, it applies to vehicles driven by company employees during the work day. Therefore, a worker who gets into an accident transporting business-related materials in their vehicle receives coverage. 

There are numerous components to a commercial insurance policy. Contact a representative at Insure It All if you need more information on where to start. They will work with you to find the right policy. 

Are There Any Discounts Available On Farm Insurance?

If you operate a farm as a business and not just a hobby, you may be eligible for a commercial policy that is generally less expensive than a standard policy. If you grow crops instead of raising livestock, you may be able to reduce your insurance costs further by purchasing a crop insurance policy. As with other types of insurance, the more risk you can reduce by implementing safety precautions, the lower your premium will be. You can consult Insure It All at Idaho Falls, ID. 

Discounts on Farm Insurance

You may be eligible for a reduced premium through the Farm Risk Reduction Program if you own a farm. To qualify, your farm must have a minimum value of $500,000. You must also meet one of the following criteria:

You must have a minimum gross income of $5,000 from the farm over a 3-year period. You may need a total of $1,000,000. If you are a tenant farming a property you do not own, you may be eligible for a reduced premium through the Tenant Farm Program. To qualify, your farm must have a minimum value of $250,000. You must also meet one of the following criteria: You must have a minimum gross income of $5,000 from the farm over a 3-year period. 

You may be able to save money on your premium by taking steps to prevent claims. Some common ways to get discount points include keeping your policy up to date, installing safety equipment on your property, and installing preventive measures like storm shutters on your windows. 

Contact us

Some insurance companies offer a multi-year discount if you renew your policy before the cutoff date. This can save you up to 10% on your premium. While these policies may be required, they may also offer the opportunity to bundle them with other types of insurance to reduce the overall cost. For help in Idaho Falls, ID, call Insure It All.

What size business needs workers’ comp?

Each state in the US passes its own workers’ compensation insurance laws. These laws detail which businesses must purchase the insurance and which, if any, industries the state exempts from purchase. Insure It All explains which Idaho Falls, ID businesses must buy workers’ comp insurance to comply with state law.

Businesses Who Must Purchase Insurance

In Idaho, any business with at least one employee must purchase workers’ comp insurance, according to the National Federation of Independent Business (NFIB). While some solopreneurs purchase this insurance to protect themselves, the state doesn’t require it. If a solopreneur hires an assistant or other employee, the business has to buy a policy.

Exemptions to Purchase

Exemptions to the requirement to purchase do exist. They include very specific situations, including:

  • a household hiring domestic workers, such as a housekeeper or butler
  • sole proprietors employing members of their own family who reside in the same home
  • agricultural plane pilots (crop-dusters)
  • realtors working on commission
  • businesses hire casual employees for occasional or irregular work unrelated to the employer’s type of business

The exemptions require some clarification. If your business is bed and breakfast, you can’t claim that the domestic workers qualify as home housekeepers. The exemptions for sole proprietors do include some family members living outside of the home, but not typically. You should first check with the Idaho Industrial Commission to ensure that you will not violate the law.

Example of Casual, Occasional Employees

Here’s an example of a business hiring a casual, occasional employee unrelated to its type of business. Suppose you hire a landscaping service or groundskeeper to upkeep your commercial building’s hedges and lawn, but your solopreneur business caters for events with fabulous cakes. In that case, you do not have to purchase workers’ comp insurance to cover the lawn crew who mows the grass every two weeks.

Let Insure It All help you properly insure your Idaho Falls, ID business. Contact us today about workers’ compensation insurance for your company.