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. 

First Time Home Owners Guide: Owning Your First Home in Idaho

Purchasing your first home in Idah is a significant financial decision, and you need to get everything right. Understanding the process and the available options ensures you make an appropriate decision. This guide has helpful insights if you plan to buy your first home. 

Insurance is a complex subject, and many first-time homeowners don’t understand it well. The insurance premiums depend on the associated home risks, and working with a local insurance company is better. A company within your locality understands the area and will guide you accordingly to know your needs and risks. 

Here is what you need to know:

Understand Your Budget

When buying a home, the first step is to evaluate your budget. This allows you to know your affordable monthly expenditure on your home. To understand this, you should:

  • Assess your savings mode
  • Tally your monthly debts and expenses
  • Know what you earn monthly

Save for Your Down Payment

You’ll need a specific cash amount to fund the purchase. Your down payment should be between 3% and 20% of the buying price. Other expenses include money to cater for closing costs and moving. 

Gather Mortgage Paperwork

While you don’t require a loan before accepting a home offer, starting the mortgage process earlier is best. Most lenders need considerable paperwork to show your monthly payment ability. Gathering the required documentation takes time, but doing it earlier prevents unnecessary delays. You want to prepare the following:

  • Up-to-date W-2s
  • Tax returns for the past two years
  • Recent pay stubs
  • Up-to-date bank statements
  • Other investment and asset statements

Engage a Reputable Insurance Agency

Purchasing a new home is an excellent investment endeavor, and you don’t want to get anything wrong throughout the process. If you want to avoid pitfalls, engage insurance professionals. Contact us today at Insure It All for assistance. 

Do I Need More Insurance if I Make Deliveries With My Car?

If you drive your car to make money, you may have concerns about your insurance coverage. Most people don’t go their vehicles for a living, making coverage terms a little trickier to navigate. Insure It All presents this article for all Idaho Falls, ID personal delivery drivers.

Delivery Contractors Are Different From Employees

Delivery contractors are covered by a different set of insurance requirements than employees. In the eyes of the law, self-employed individuals are their bosses. As a result, they’re not entitled to the same benefits as an employee, such as car insurance.

If Your Delivery Partner Offers Insurance, It’s Probably Not Enough

If you’re a delivery driver, you need to check with your app partner about insurance coverage. Some companies, such as Amazon and Door Dash, will offer an excess range if you are in an accident with damages exceeding your policy limit. However, you are required to have a personal policy first. Others, like GrubHub, need you to have your policy and offer zero coverage.

Coverage You Should Have

Some insurance companies will insist you get a commercial auto policy for using your car as a work vehicle. Business use has risks that aren’t usually faced by personal service. Even if you aren’t required to get commercial insurance, you might need added coverage for your existing policy. Some companies even offer a particular type of insurance just for delivery drivers.

Bottom Line

Keep in mind that there is no one-size-fits-all solution for insurance. Your specific needs will determine what kind of coverage you need. Ask your Idaho Falls, ID agent at Insure It All for more information.

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.

4 Benefits of Toy Insurance

If you have a boat, ATV, snowmobile, or any other toy in Idaho Falls, ID, you know the fun these assets give. Unfortunately, your happy moments can easily be ruined when faced with accidents. However, when you purchase toy insurance from Insure It All, you can have all the fun without worrying about mishaps. Here are the benefits of toy insurance.

Liability protection

While using your toy, you can cause injuries and property damage to other people. Suppose you are using your ATV, only to hit a rock and veer off the road, injuring the bystanders. Without liability coverage, you will have to pay for the ensuing medical expenses from your pocket. Liability claims can easily wipe out your finances.

Asset protection

Your toy doesn’t come cheap. And because it’s valuable to you, you must invest in insurance that protects your asset. Toy insurance pays you for the repairs and even the replacement of your toy when calamities happen. And the best thing is that toy insurance covers you even when parked. So, when burglars break into your property and vandalize your toy, toy insurance can come to your rescue.

Medical payments coverage

You don’t always expect accidents, but they can occur even when having fun. Worst yet, the aftermath of an accident can leave you reeling from injuries. Thankfully, toy insurance can pay for your medical bills to help you recover from your injuries.

Peace of mind

When you have invested in toy insurance, you don’t have to worry about the safety of your asset. You don’t have to keep your mind occupied worrying about liability claims. Toy insurance gives you peace of mind by assuring you everything will be okay even after calamities.

Toy insurance in Idaho Falls, ID

Ready to get started with toy insurance? Please get in touch with Insure It All for affordable coverage.

Who Can Buy Flood Insurance?

Floods are one of the most common natural disasters in the United States. They can cause significant damage to your home belongings and even put your life at risk. Flood insurance is a must for homeowners with federally backed mortgages and who live in Special Flood Hazard Areas. However, those are not the only homeowners that need to purchase flood insurance. The following are four additional reasons why you should purchase flood insurance.

1. You Live In A High-Risk Area

The Federal Emergency Management Agency (FEMA) designates two types of areas as being the highest risk for flooding – Special Flood Hazard Areas are those that have a 1% or greater chance of being flooded each year. The second type is a Moderate-to-Low Risk Area for flooding. If you live in either of these areas, you will need to purchase flood insurance.

2. You Have Experienced Substantial Damage From Flooding Before

If you have experienced damage due to flooding in the past, then it would be wise to purchase flood insurance for your home. This is because homeowners’ insurance policies do not cover the damage from flooding.

3. You Live In Areas With Undetermined Risk

If you live in an area where the risk of flooding is undetermined, it would be wise to purchase flood insurance. While being in this area doesn’t mean that your home is at high risk for flooding, it doesn’t mean that it isn’t either.

4. You Would Like Extra Protection On Your Property

Although flood insurance is not required for all homeowners, it does provide extra protection against the many risks of flooding. This can be a great asset to have in addition to a homeowner’s insurance policy. Remember, flood insurance covers your home and possessions from damage caused by flooding, not other events such as earthquakes, fires, and robberies. Be sure to check with your insurance company for more details on how flood insurance interacts with your current homeowner’s policy.

Need Flood Insurance in Idaho Falls, ID?

Flood insurance is an important type of insurance for homeowners in any location. If you would like to learn more about getting flood insurance for your home, contact Insure It All today.