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.

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. 

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 http://www.coveryourstuff.com/ for more details. Our agents at Insure It All are ready to answer your questions.
 

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!