Do You Have to Have Commercial Insurance on a Home Business?

Home businesses are a great way to make an income without having to take out a huge loan to get a storefront and hire employees. They do however come with some hidden costs and you need to be aware of what insurance coverages you need to have in place to make sure that your home business is protected no matter what. For those that have a home business in the Ammon, ID area, the agents with Insure It All can answer your questions and help you get the perfect coverage.

The first thing that you should understand about home businesses is that it is not mandatory that you have a commercial policy to protect them. In most cases, your home business is going to be protected by your homeowner’s policy so that you are not going to have to worry if something does happen to your inventory. You may want to declare it on your homeowner’s policy so that you can get the added coverage that you need but you do not have to have a separate policy to protect your home business.

Depending on the size of your business, you may want to look into incorporating your business or taking out a small commercial policy but for the most part, a home business is going to be adequately covered on your homeowner’s policy. You also want to consider what it is that you have in your home business and how much you might need to keep insured. For those in the Ammon, ID area, the agents with Insure it all can help you to find the perfect policy for your home business and can help answer any questions that you may have about needing an extra commercial policy on top of your home coverage.

How Home Insurance Protects You From Personal Injury Lawsuits

When you first think of home insurance, you generally think of coverage for things like tornadoes, water damage, theft, and other basic accidents. What you likely do not think about are personal injury lawsuits. However, these are very real lawsuits that can be pinned against anyone. It’s smart to have home insurance protection that features liability protection, and we’ll explain why below.

What Is Liability Coverage?

Liability coverage refers to insurance coverage that protects you and your finances against personal liability claims. For example, let’s say that you are receiving a package as a delivery. The delivery person comes to your house, walks up to your front steps that lead to your front door and slips on a patch of ice.

If they slipped, fell, and were seriously injured, they may be able to bring a lawsuit against you for personal injury damages. That’s because they would be assuming that it was your fault that the ice was there. Naturally, you didn’t create ice on your front steps. The thought behind liability is that any reasonable homeowner would have known that there was ice on their front steps and would’ve cleaned it up in a timely manner so that no one slept and fell.

Going to court with people who might sue you in these situations is extremely expensive. Liability coverage protects you by either covering all or some of the damages you’ll ultimately have to pay if you are found liable or by covering the legal costs of going to court.

Contact Insure It All to Learn More

If you are an Ammon, ID resident and are interested in learning more about home insurance coverage options, Insure It All is here to assist you!

We offer home insurance for all residents of Ammon, ID and can certainly assist you in finding exactly what you’re looking for in terms of coverage. Stop by our nearest office location today, or give us a call at your earliest convenience. We look forward to helping you find the best possible home insurance for your home!

The importance of getting an annual health exam

Hopefully, you are lucky enough to have your health. However, as Insure It All, serving Ammon, ID would like to remind you, getting your annual exam from your primary care physician is an important part of remaining healthy. Your doctor will be able to administer a number of tests, including blood work and urine cultures, which are designed to ascertain if an illness may be developing. The key to surviving a serious disease, such as cancer, is catching it early so that it can be treated more effectively.

If you do have medical issues, such as a heart condition, high blood pressure, or something else that is considered a chronic disease, your annual exam will be part of monitoring what is going on with your body. Is your condition getting worse? Do you need a new course of medications? Maybe it is time for a surgical procedure. Medical technology is making advances all the time, so your primary care physician may be able to point you in the right direction to access new medicines and procedures.

If you have a good, long-standing relationship with your doctor, he or she will likely know in detail about your medical history and thus will know what to look for during the exam. If something cones up that requires further attention, your doctor will be able to refer you to a specialist. Your annual exam may, in any case, involve a visit to one or more specialists if you have a chronic condition or your medical history suggests a more detailed exam.

For all questions concerning health insurance, feel free to contact Insure It All, serving Ammon, ID.

Does Umbrella Coverage Cover Worker’s Compensation Insurance in Ammon, ID?

Residents of Ammon, ID who have questions about commercial insurance and the benefits of umbrella policies can contact the agents of Insure It All. They offer a comprehensive list of policies that are designed to protect every aspect of your business from fleet coverage to Workers Compensation coverage.

What Does Umbrella Coverage Include?

Umbrella coverage includes many different types of policies, including Workers Compensation coverage. It also extends the amount of coverage you have in case one or more policies are pushed past their limits. An umbrella policy is designed to cover you in many different ways. You choose the policies that your company needs in the amounts that work best for the size of your company. A smaller company may need less coverage, while a large corporation may require numerous policies to provide adequate coverage.

The Benefits of Additional Coverage

One of the main benefits of umbrella coverage is that everything is included in one location. Umbrella coverage also has the capability of covering amounts that extend past the original policies limitations. This is especially beneficial in Workers Compensation cases when the amounts paid out exceed the limitations of the policy. This additional coverage protects your company from financial loss when the incident in question ends up being much worse than first expected.

If you own a business in Ammon, ID and are trying to find information about umbrella coverage and Workers Compensation insurance, call the agents at Insure It All. Their ultimate goal is to provide you with the information you need to make the best possible choice for your company. Call them today to find out what policies and options are available to you!


What Factors Should You Consider When Selecting a Health Insurance Plan?

With numerous health insurance providers providing different plans and coverage options, choosing a suitable health insurance plan can be a daunting task. However, Insure It all makes it easier by providing quality health insurance plans. There are important factors that you should consider before settling on any health insurance policy as explained below.

One of the basics that everyone looks at is the premium. Many people will look for an affordable plan because the premiums are paid partly by the employer and partly by the employee. By norm, the premiums should not exceed 9.5 percent of the total income earned. The premium rise could scare people off. The other costs that come with health plans are deductibles and out of pocket maximums, which have been noted to have drastic increments compared to the premiums.
Due to increase in the cost of deductibles and the introduction of expensive health plans, companies have come up with a way of having their clients fund their health through a Health Savings Account. This is a very important factor to look out for.

The number of plans available is also important, but that should not cause worry because many companies in the industry such as Insure It All in Ammon, ID have divided their plans into different categories. These plans grant employees the opportunity to enroll in an affordable plan even if it does not meet the Affordable Care Act (ACA) requirements. Again, as you look at the plan, make sure it meets Minimum Essential Coverage (MEC) and that there are no ambiguous terms with the insurance provider. A good plan should cover more than half of the total allowed cost of the benefit.

If you are choosing a health care plan, this list should be of help to you. If you have questions that you need to clear up, visit Ammon, ID offices where an agent will take you through the whole process.


What Is and Isn’t Covered by Condo Insurance

If you live in a condo, your association fees help cover the cost of master insurance to protect the exterior structure of your building. In the event of storm damage to the outside of your building, your master insurance will cover the cost of repairs. This same policy often includes coverage for common areas such as a clubhouse, pool, tennis court and landscaping.

Master condo insurance policies, however, don’t provide coverage for the interior of your condo or your personal belongings. They also won’t protect you for accidents that may cause injury to others while on your property. 

In contrast, a personal condo insurance policy from Insure It All, Ammon, ID, can provide you with the personal protection you need. With personal condominium insurance, you can receive coverage for the following:    

Interior of Dwelling: to include repair or replacement costs of drywall, flooring, bath and kitchen cabinets, light fixtures and plumbing. This coverage will also protect custom renovations or major upgrades you have made to your unit.

Personal Property: protects your personal goods to include furnishings, clothes, electronics, appliances, etc., if they are stolen or suffer damage or loss due to a covered peril. With replacement cost coverage, your insurance will pay the full cost of replacing expensive goods at current prices.

Personal Liability/Medical Payments: pays for medical expenses of those who have been injured in an accident while on your property. It also covers property damage sustained by others while on your property as well as legal expenses to cover a lawsuit by an injured party.

Loss of Use and Additional Living Expenses: covers your living expenses to stay in another location while your condo is being repaired, if interior damage makes it an unlivable environment.

For more information about condo insurance options, contact us at Insure It All, Ammon, ID. 

What to expect during the total solar eclipse

If you are a resident of Ammon, ID, then you must be aware that a total solar eclipse is coming soon. There are a number of things you can expect to occur on or around Aug 21, 2017, one being a high influx of visitors. The current population of 30,000 people has been projected to rise to almost 1,000,000 during this period. With these massive crowds, hotels and campsites will be in high demand.You should take all the necessary safety precautions during this period. For roughly two minutes, there will be total darkness which will have some effects on humans as elaborated below.

Weather changes

When the moon blocks the sun, you should expect temperatures to drop. According to NASA, this drop will be the difference between night and day temperatures; if the day temperature is 60 degrees and the night temperature is 40 degrees, you should expect a temperature drop of 20 degrees during the eclipse period.

Human psyche

The solar eclipse will have a significant level of impact on the human psyche. For many years, total solar eclipse has been viewed as a sign of doom triggering the feelings of bewilderment and awe. Therefore, as you wait to witness the historic event, you should be aware that it will have some influence on your psyche.

Safe Viewing of the Eclipse

It is advisable not to view eclipse with your naked eyes. A direct view can cause eye problems due to the harmful rays emitted by the sun. For this reason, you should purchase eclipse glasses which are fitted with specially manufactured protective filters. These glasses will enable you to look directly at the sun without putting your eyesight at risk.

Traffic Jam

Due to a large number of visitors, Ammon, ID will be congested days before, during and after the eclipse. You should expect heavy traffic on all the major highways and feeder roads. If you have any travel plans during this period, be cautious.

Due to the massive crowds expected during the total solar eclipse, there will be a high probability of auto accidents and personal injury. Hence, you need to stay insured in case of any liabilities. To get more information on how to stay safe and protected during this historical event you can contact our agents at Insure It All or visit our website for more details. Our agents at Insure It All are ready to answer your questions.

Determining How Much Homeowner’s Insurance Coverage You Need

Every homeowner’s needs are different, which is why it is important to figure out how much insurance coverage you are going to need to protect your belongings adequately without overpaying on premiums.

How much is enough?

One of the first things you should consider when trying to figure out how much coverage you need is the cost to rebuild your home completely. In the event your home becomes a total loss, you want to make sure that you buy enough coverage to replace it and the contents. This price doesn’t factor in depreciation and the cost of the property. You can estimate how much it costs to build per square foot locally and multiply that number by the square feet in your home.

In addition to figuring the cost to rebuild your home, you should also calculate the cost of any new additions as well as the total value of all of your possessions. It is best to document all of the items factored into the value assigned to the contents of the home. Save receipts and take photos of the items in your home and make sure that you date them. If you have any extraordinary or especially expensive items in your home, you should take care to document their value carefully, and if they have an appraisal, you should include it with your insurance paperwork.

Tips for having just the right amount of coverage

Carefully select the amount of coverage you need and don’t overbuy homeowner’s insurance. Go over your policy thoroughly and make any necessary changes immediately to avoid serious issues during the claims process. It is also important to use a reputable company such as Insure It All, serving the residents of Idaho Falls and Ammon, ID.

We have quality home insurance products to cover the individuals living in the Idaho Falls and Ammon, ID area. Insure It All can help you save money on your premiums in addition to helping you through the entire process of choosing the appropriate coverage. Call or stop in for more information about our high-quality insurance products.

When buying home owner’s insurance, make sure you buy enough to cover the total replacement cost of your home and select a respected insurance company so you can have a peace of mind.



In Ammon ID, Does Commercial Insurance Cover Worker’s Compensation Claims?

When owning a business, it is extremely important to protect not only the company assets but the employees as well. This is the reason that most states require businesses to carry Worker’s Compensation insurance. It is also recommended that they carry liability insurance to pick up where a Worker’s Compensation policy leaves off. It is important to have your existing commercial business insurance evaluated to ensure you have the proper coverage to meet all of your needs, especially if an accident occurs. Business owners in the Ammon, ID area who need advice on Worker’s Compensation and other types of commercial insurance can call Insure It All and talk to a licensed agent.

Worker’s Compensation insurance is mandatory in most states. The problem is that, in most cases, it only covers accidental injuries that occur while a person is performing their duties. It does not cover accidents that involve visitors to the facility or workers who are not "on the clock." 

Certain types of injuries like slip and fall accidents or other types of falls are commonly covered under commercial liability policies. Commercial insurance policies can be written to include Worker’s Compensation, Liability, and other types of coverage that will fully protect your business from financial loss.  

At Insure It All, the agents offer a wide range of commercial insurance policies to business owners who live throughout the Ammon, ID area. Having your commercial insurance reviewed and updated periodically is extremely important to ensure you have sufficient coverage if an emergency arises. Call an agent today to find out what you need to keep your insurance up to date and your business safe from financial loss. Don’t let an accident catch you off guard!

How To File A Basic Claim

Auto insurance is confusing no matter who you are or how well versed you are on the subject. You can have all your information laid out, but without having a plan, filing even the most basic claims can be difficult. For those that live in the Ammon, ID area, the agents with Insure It All can help you file every claim you have no matter how simple or complex.

The first step to every claim is to assess the damage. If you have called the police, odds are they will take photos of the accident and will help you file a police report so that you can document what happened. They will also help you get to the hospital if you need it and there you will fill out forms and information that you can use to start the claims process.

The second step after you have filed a police report and have been treated medically is to take the time to call your agent. Your agent will help you fill out the necessary paperwork and schedule the consultations that you need to get your claim processed and on the road to being paid out. Your agent will help you fill out the forms and schedule the meetings with adjusters to start the repair process.

You will then need to wait for the claim to process and for your car to be repaired or replaced so that you can get back to living. Filing a claim does not have to be difficult. If you live in the Ammon, ID area, the agents with Insure It All can help you file and complete your claims so that you can get back to living your life without worrying about your auto claims. For any other insurance questions, reach out to us by phone or stop by our office to talk with an agent.