Health insurance is one of the most important types of insurance that people have. It allows you to mitigate your risk of medical problems and to have medical bills paid. However, there are so many choices in health insurance that it can be hard to pick just the right policy. Whether you are an individual or a business shopping for insurance, there are several insurance companies that offer health plans in Idaho. If you need more information about health insurance in Idado, call us now at Insure It All in Idaho Falls, ID. 

The Cost of Health Insurance

With several companies offering coverage in the state and the many plans they each offer, it can be hard to estimate what you will pay before you have compared rates between a number of companies. Your age and general state of health is usually the basis of a health care rate, though there can be other factors such as your occupation and hobbies. They may also consider the geography you live in as well as whether you smoke and what your family composition is. Some of these places you at more risk than others and come with a higher price tag. 

Types of Health Insurance

In addition to the many factors that go into a health policy and its price is the type of policy that you want. These can be for individuals or to employees via an employer. They can also be catastrophic policies, which only kick in after a high deductible is met. There are also plans that cover a lot of expenses and have smaller deductibles. The type you choose is all about the price and what is covered by the policy. Even if you have a small budget, catastrophic insurance may be able to fit into it. 

Your Health Insurance

If you need health insurance, call us at Insure It All in Idaho Falls, ID. 

Not everyone likes to think about how life will be for their loved ones when they pass away but it is very important to have life insurance in place and it has many benefits while a person is still living. The insurance agents at Insure It All in Idaho Falls, ID understand just how important life insurance is for people to have peace of mind.

While some people have a life insurance policy through their employment, it’s usually only enough for their funeral and burial expenses with not much leftover at all for their immediate family members. It is good to have a separate policy in place for that very reason.

Reasons to Have a Life Insurance Policy

There are many reasons to have a life insurance policy in place. One of the main reasons is to help your loved ones in the event of your untimely death, especially if you are the main breadwinner of your family. A life insurance policy can help them make car payments, utility payments, and the monthly mortgage payment when you’re gone. It will help them through their grief easier if they don’t have the added stress of financial worries. Life insurance policies can also help you while you are still living to pay off debts before you die depending on the type of policy you choose.

Types of Life Insurance Policies

Here are the three main types of life insurance policies that most people tend to choose from.

Universal Life Insurance

A universal life insurance policy seems to be the most popular choice since it offers a sort of investment-type savings account. While it is a permanent life insurance policy, you can actually borrow from it while you are alive so that you can pay off your house and other bills ahead of time. You can also choose for your loved ones to receive a death benefit from your policy after you die.

Term Life Insurance

A term life insurance policy what only be paid out to your family members if you pass away during the term that the life insurance policy is in effect. It’s a very simple and affordable type of life insurance policy and the length of the term can be anywhere from one to 40 years or longer depending on the term you choose. Keep in mind that once the term expires, though, it will cost you higher premiums to restart the plan.

Whole Life Insurance

A whole life insurance policy is also known as permanent insurance and it will pay a death benefit when you die. There are three major types of whole life insurance which include variable universal life, traditional whole life, and universal life so you can choose from many different versions.

To decide upon which type of life insurance policy is best for you and your family, contact the agents at Insure It All in Idaho Falls, ID today to get your policy started.

It is exciting to own, manage, and operate your own business and you will want to ensure that it is properly protected. You can do that by obtaining a commercial insurance policy and the agents at Insure It All in Idaho Falls, ID are ready to assist you in creating your policy.

When it comes to commercial insurance for your Idaho business, there are certain requirements you must meet to comply with the state’s laws. For example, you must have worker’s compensation and business auto insurance.

Workers’ Compensation Insurance

State law in Idaho states that all businesses must have workers’ compensation insurance on all employees whether they are full-time or part-time. This type of coverage will cover your employees if they are hurt on the job or become ill due to their work environment, including their medical bills and wages, while they are off work.

Commercial Auto Insurance

If you use business-owned vehicles for your Idaho business, you must obtain a commercial auto insurance policy. This type of coverage will ensure that your business vehicles, or personal ones used for business purposes, are in compliance with the state’s minimum insurance requirements of liability insurance. This will protect your business if you or one of your employees causing an accident while driving.

General Liability Insurance

This is an important type of coverage you should have in place for your business in case one of your products or services causes a person to become injured. You can also include the physical location of your business in the event someone comes into your business and becomes injured due to a slip and fall incident or some other incident.

Professional Liability Insurance

This type of coverage will help protect your business interests if there are any lawsuits filed against you and your business that are due to mistakes that are made and or even if major deadlines are missed.

Cyber Liability Insurance

This type of commercial insurance coverage helps protect your business in the event there is a data breach or a cyberattack. It can help you pay for the legal fees, client notification expenses, and any other related expenses incurred due to a security breach of information.

To get your commercial business insurance in place with the coverage you want and need right away, call or visit the commercial insurance agents at Insure It All in Idaho Falls, ID today!

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!

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. 

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. 

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.

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.