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.

 

 

What’s The Weather Like?

Ammon, ID is situated near Idaho Falls and has a good deal of snowfall during the year. With annual average snow accumulation reaching near the 500 inch mark, state homeowners have to make certain their home insurance policy reflects to protect against the damage that much snow can inflict on a home. Policies should reflect special attention on roofs and gutters which take a tremendous hit with so much snow. Special care should be taken in underwriting the heating systems in the home where Idaho temps often get to below freezing in the winter months of the year. 

All of that snow has to melt and that brings us to the other major weather concern in Idaho. Floods during the early spring time due to snow melt is a major problem. At Insure It All we also offer flood insurance for your home. 

Fortunately, Idaho does not have to worry about hurricanes and has a very low percentage of tornadoes on record. Insure It All also has umbrella insurance for those items not covered by flood or home insurance.  

When it comes to Insure It All, we are housed in Ammon, ID but we serve more than 40 states. Of course we have an affinity for our home state and appreciate sitting down with our clients face to face to discuss their insurance needs. However, if you live in one of the more than 40 states we and our partners serve, you can always contact us by email or phone to get quotes for the myriad of insurance policies we offer. Insure It All, insure everything and every aspect of your life. 

Increasing your home security is a smart and practical means of saving on home insurance costs. Improved security will safeguard your home against theft, vandalism and trespassers to keep you and your goods safe from harm.

At Insure It All, Ammon, ID, we can provide you with valuable counsel on home security measures you can take to qualify for an insurance discount. The following are just a few ways you can upgrade the security of your property to protect your investment.

• Install a security system that includes motion sensors on windows and doors that trigger a burglar alarm to alert you and your neighbors when someone is trying to enter your home.
• Place security cameras in key locations as a deterrent to thieves and vandals coming near your property, especially when you’re not at home.
• Replace antiquated locks on windows and doors with secure dead-bolt locks. Repair broken glass on windows that can facilitate thieves entering your home. If your windows are old and worn, replace them with new, modern windows that improve your security.  
• Install motion sensor lighting at the entryway, sides and rear of your house to alert you when someone is on the property at night.
• Join your local Neighborhood Watch Program to benefit from the help of others in watching over your home. This can be particularly helpful when you’re away on vacation or business travels.
• Invest in a quality safe to lock up cash, jewelry and other valuable goods, making them less accessible to anyone who unlawfully enters your home.   

By putting these security measures in place, you can better protect your home and personal belongings which will help offset high home insurance costs. For additional information on home security and how to lower the cost of your insurance premium, contact one of our representatives at Insure It All, Ammon, ID.