Author: agentinsure

What should I look for in a home insurance policy?

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If you own your home and live around the Ammon, ID area, then you are probably aware pf just about everything that could go wrong or being damaged on your biggest possession.  The insurance agents at Insure it All have seen tornados, fires, acts of crime, and a lot more happen to homes just like yours.  Fortunately, that experience has made them in experts in what you need to protect yourself and your family.  If you’re in the market for a new insurance policy, be sure that you pay attention to these three key points.

  1. Get enough coverage.  One of the most common mistakes people make is to underinsure their home.  This is usually because people tend to underestimate repair costs.  Trust your agent to know what the average repair costs are in Idaho.  Make sure your policy provides enough funds to replace the structure and everything in it.
  2. Update regularly.  Every time you buy a new appliance or jewelry you need to update your policy.  The same is true if you have done any type of structural improvements on the house.   Use the opportunity to shop around and find a better rate on your insurance. 
  3. Consider your replacement cost.  After a disaster, you’ll have to replace everything you lost.  Unfortunately, many policies only give you funds for the value of the items you lost.  If you have older appliances or you lost a lot of possessions, that amount can be thousands less than what you need to get back on your feet.

If you’re thinking about getting a new homeowner’s policy, or if you just want to save money on the policy you already have, call the agents at Insure it All.  They have years of experience helping Ammon, ID residents find the insurance policy that meets their needs.

Commercial Property Insurance with Insure It All

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Keeping your business running in Ammon, ID  is a long and arduous process. If your place is damaged, you may be without an income for a long period of time unless you have commercial property insurance. Commercial property insurance is a policy for businesses that give you protection if your building is damaged from unexpected circumstances.

Types of Commercial Property Insurance

  • Basic Business Insurance – generally covers the cost of replacing or repairing the building if it has been ravaged by fire, weather, and other natural and unnatural causes.
  • Broad Business Policy – can offer coverage from common damages, such as those caused by structural collapse, leaks, and water damage.
  • Specific Business Insurance – excludes risks that are covered under your basic insurance policies. Floods, hurricanes, acts of terrorism, tornados, nuclear disasters, and other extraordinary occurrences can be covered under the specific business policy.

Other Commercial Property Insurance Options

  • Business Interruption – insures you if you lose your business income from risks outlined in your policy.
  • Off-Premise Coverage – is available for items that are carried off your property, but are still used for business purposes, such as cell phones and laptops.
  • Newly Constructed Space – should be insured separately for complete structural coverage.

Replacement and Actual Cash Value

  • Actual Cash Value – is the current value to replace your damaged property. If your place of business were completely destroyed by a fire, then you would receive the fair market value for your business.
  • Replacement Value – is the amount you would receive for replacing, repairing, or rebuilding your property.

For more information, check out the independent agents at Insure It All in Ammon, ID. Not only will they be able to assist you with commercial property insurance, they are available to research other policies that you may be interested in, including home, health, auto, and life.

Finding a Used Car at the Best Value

Posted on by agentinsure

Insure It All in Ammon, ID  understands that finding the right car for your family is vital considering the precious cargo it’s going to haul. You need something safe that fits your needs. You also need to make sure that it’s reliable.

1. Decide What You Need

Determining your needs is the first steps to purchasing a new used family car. It’s easy to go to the lot and forget about what you actually need when you find a car for cheaper than you originally expected to pay.

2. Shop Around

Take a look at lots and ads private sellers have running. Look at the vehicles that match your needs and price range. Take them for test drives, look under the hood and ask questions. Request information regarding the maintenance done on them throughout the years.

3. Take Notes

Once you find an automobile that seems like one that fits your needs, take notes regarding anything wrong with it and make a rough estimate in your head of what the cost of the repairs will be. This is one time when you’ll benefit from bringing your phone because you’ll be able to look up prices to repair parts. Keep in mind that if you can repair it yourself and/or find used parts, you’ll save money.

4. Negotiate

Don’t let the asking price be a definite decision regarding what you pay. Bring up the negative aspects of the car and ask if there’s any way to get a reduced price or have the issues repaired. You could even go as far as to say you only have so much money to put down on the car and see if the person is ready to go lower.

After you select the car that’s in your budget and meets your needs, you’ll need to purchase insurance. You may even want to contact an insurance company prior to purchasing, so you know how much you can expect to pay. Contact Insure It All in Ammon, ID today to request a quote.