Homeowners Insurance for Idaho Falls Homes

What To Consider When Seeking Homeowners Insurance in The Idaho Falls Area

Getting a good Homeowners Insurance Policy is an important part of homeownership. While almost all standard mortgages require a basic Homeowners Insurance Policy, the variables even within a basic policy can make all the difference in the world for people who end up needing to make a Homeowner’s Insurance Claim.

Certainly, most people who buy a Homeowners Insurance Policy do not feel they will run into a major cataclysm that would cause a major claim, but often it can be the smaller insurance claims that happen more frequently that can end up being the most costly to repair in the short term.

Your House is Your Home. Protect it.

property insurance will protect your home in Idaho FallsWhile people in the Idaho Falls area are not as inclined to worry about tornadoes and hurricanes, there are a host of potential home claim situations that can readily arise. Situations such as downed trees from winter or summer storms is a common claim. But there are also a host of other potential concerns as well such as: excessive snow or rain, hail, damaging winds, flooding or even in the event of wildfires.

Homeowners should also be aware that aside from nature wreaking havoc on their home, there are plenty of other concerns that can cause need for a homeowners insurance claim as well, this includes; burst pipes, broken hot water heaters, roof leaks, and sewer or septic back-ups just to name a few.

When looking for a good Idaho Falls Home Owners Insurance policy, the two most important issues are getting a good policy and a good Idaho Falls Home Owners Insurance agent. Both of these issues can make a significant difference when it comes time to need to file a claim. A good Idaho Falls Home Owners Insurance policy will be comprehensive and reasonable in cost. However, it is also important that the policy have a good turn around time for any claims processes that may be necessary and no hidden clauses that could be of concern.

Additionally, when obtaining a Idaho Falls Home Owners Insurance Policy, ensuring that the agent is one that listens attentively to your concerns and is a person with whom you can establish a good relationship with is vital. Since any Homeowners Insurance Agent is directly involved in locating the best policy and knowing the fine print to help homeowners to make the best decision in their policy purchase, they play a key role in protecting often your most valued monetary asset-your home.

Not Your Dad’s Old Insurance…Better.

While some homeowners believe that all insurance companies and agents are the same, nothing could be farther from the truth. Understanding what a policy provides for and covers is an important part of buying a policy. A good homeowners insurance agent will sell their customers only what they need to cover their home’s mortgage obligations and only what the homeowner deems as of great concern above and beyond that. Unfortunately, more often than not it is often during a claim situation that a homeowner may find that they either bought too much unneeded coverage, or they bought not enough coverage. A good Homeowners Insurance Agent will help find the perfect balance of coverage needed within the homeowners budget.

Since Idaho is one of the largest states in the U.S. in terms of square miles, there are plenty of reasons to enjoy travelling throughout this scenic state by automobile. But it’s important to know and observe the insurance regulations set by Idaho state law so you can obtain the necessary auto insurance in Idaho Falls in order to drive legally anywhere in the state.

Dealing with a reliable and experienced agent when purchasing auto insurance in Idaho Falls can help to ensure that you not only meet all of the minimum requirements for driving legally but also get expert advice on how to customize your insurance policy to meet your specific financial needs. Anyone who operates a motor vehicle in Idaho, whether that vehicle is registered with the state or not, must obtain a minimum amount of liability insurance. The formula used in Idaho is considered 25/50/15, meaning that your insurance policy must include a minimum of $25,000 in liability coverage in the event of injury or death happening to one individual, $50,000 in coverage for the injury or death of two or more people, and $15,000 to cover any property damage you cause in a car accident. In addition, your policy must also include underinsured and uninsured motorist coverage to cover damages that occur if the driver of the other vehicle has no insurance in place or does not have minimum liability coverage.

Failure to have a valid and current policy with at least minimum liability coverage can result in fines for the first offense, and heavy fines and even jail time for the second offense. But responsible drivers understand that having auto insurance in Idaho Falls is about more than simply meeting the state’s minimum requirement for liability insurance. An experienced insurance agent can advise you about the benefits of expanding your policy with other coverage options that will prevent financial disaster in the event of an accident or other damage happening to your vehicle when driving in and around Idaho Falls.

Anything Can Happen

Comprehensive auto insurance is important to invest in because it covers you for repairs and replacements related to incidents beyond accidents. These include damage that occurs to your vehicle due to vandalism, theft, falling objects, severe weather conditions, fire and animals on the roadway. If the car you drive is leased or financed, you may be required to have comprehensive coverage on your policy. Collision insurance is another option available that pays to fix or replace your vehicle if it is damaged or destroyed in a crash, if someone else hits into your vehicle while it is parked, or you run your vehicle into a stationary object like a lamp post or bridge. Medical payments coverage is a third option that helps to cover expenses from accident injuries that may not be covered by your own individual healthcare insurance.

A knowledgeable insurance agent can help you get the type of auto insurance you need, not only to meet the state’s liability coverage requirements, but also other options that prevent you from incurring extensive expenses should you become involved in an accident causing physical injury or property damage or encounter an incident in which your car sustains damage.

Ring. Ring. It’s Mother Nature Calling. Can Your Insurance Agent Answer?

The World is Full of Uncertainties

There is no guarantee that what is here today will be here tomorrow. This is especially true when it comes to the aftermath of a devastating storm. It is common for homeowners to encounter damages to their property due to the effects of in climate weather. When this happens, it is too late to call your insurance agent. The time to call an Idaho Falls Property Insurance agent is now, before the storm strikes your residence.

Idaho Falls Property Insurance is a Certainty

As an Idaho Falls Property Insurance agency, we offer our clients protection for their belongings from the smallest of jewels to the largest of yachts. Our highly specialized staff is ready and eager to assist you with any of your insurance needs. Quotes are always free, and our advice is always sound. Your satisfaction is our main concern. Get in touch with us! We want you to feel confident that in the face of disaster, we are in your corner. Our team includes our quick response team in the field to address your claim in the shortest amount of time possible. Our goal is to get you back on your feet and back to normal once again.

Not only do we cover your property as an Idaho Falls Property Insurance agency, we also offer many different types of coverage for other items in life that need protection. Offering you a wide variety of insurance options that cover a number of your insurance needs, allows you to cover all of your needs with one policy. Covering all of your needs in this manner will also lead to lower monthly premiums and greater piece of mind. We are driven to keep you protected while saving you money on the coverage of such things as boats, ATVs, cars, trucks, personal property, tools, RVs and much more.

Your Are More Than a Customer to Us

Senior couple with insurance agent at Floyds Insurance in Idaho FallsWhen you hire an Idaho Falls Property Insurance group to create your safety net of insurance policies, you will get more than just an insurance agent. You will be receiving the complete attention that you deserve as a customer. It does not matter what your exact insurance needs are, we will develop a policy that is perfect for your situation and belongings. However, all of this information is no good to you if you procrastinate. You need to call today to set up an appointment to discuss your insurance needs with an agent. Mother Nature is not going to wait for your call, and she may show up uninvited to your residence. The time to act is now, before she gets to town.

Your happiness and sound living is our ultimate goal when dealing with your insurance needs. Offering a multitude of insurance coverages at affordable rates, your local Idaho Falls Property Insurance group is the agency to call. You will find our free quotes, friendly service, coverage options, low cost, and personal attention that we extend to each of our clients is unmatched in the insurance industry. Let us be your white picket fence around your property, before Mother Nature blows into town and blows your house down.

Be The First One To Get Idaho Falls Life Insurance

Love Your Loved Ones

Nobody wants to think about death, let alone talk about it, but dying is inevitable, and one has an obligation to arrange for disposal of his remains. One never knows what can happen, so he needs to be ready with a will, funeral arrangements and life insurance. This means thinking about how loved ones, on the worst day of their life, must make all the decisions if the deceased did not. If one has invested in life insurance, then this will lift a huge financial burden. The best affordable coverage for Idaho Falls life insurance is right here in Idaho Falls.

As a matter of fact, several agents have been in the insurance business for a long time in Idaho Falls. There should be no problem in finding a reputable agency for Idaho Falls life insurance. A broker can provide explanations about what choices he can offer to solve the client’s problem. One type of life insurance that one may want to invest in is called term life insurance. Term coverage comes for periods of 5 years or more, and the policy is done once that date has passed.

What Does “Whole Life Insurance” Mean?

all about life insurance conceptsWhole life insurance is good for all of one’s life and this is the common life insurance chosen in Idaho Falls. It is a permanent policy that can be paid up then borrowed from. So, one can use it for many different things such as education for kids. Also, another type of insurance policy that is available by most Idaho Falls insurance companies, is that of Universal life insurance.

Find the Best Insurance

What is more, get quoted, estimated amounts of life insurance policies from Idaho Falls life insurance businesses. This can be done over the telephone, by email, or in person. Do not hesitate to ask what the payments would be, determine what amount per month, and what type of plan is needed. One can find out fast by doing searches online for life insurance companies, but it is better to talk directly to an agent because they can best answer any questions one may have. Compare one company to another, coverage to coverage and price to price.

Making arrangements for one’s final resting place can induce much grief and stir many feelings. but it does not have to be that way, so take care of the problem today. It is not as hard to do as one may think. Idaho Falls life Insurance is the ultimate tool in helping one prepare for the unknown. Be the first one in the family to get final arrangements done. Grab some free quotes now.

Single? Life Insurance May Still Make Sense

Not married? No kids? Well then, you just might need life insurance.life insurance- money

Of course, life insurance often provides for a family after a loved one passes. There are also sound reasons why single people with no dependents should consider a policy.

1) Are there other family members who might have to cope with unexpected costs if you die? If a parent, brother or sister will have to pay for funeral or estate costs, a policy could help them with that burden.

2) If you’re planning to marry and have kids later, it can be less expensive in the long run to buy a whole life policy when you are relatively young and healthy. You can change the beneficiary when you marry or become a parent.

3) If you have a favorite niece, nephew or even friend who you plan to help out later in life, an insurance policy can help ensure that your intentions are carried out.

4) If you own a business or partnership, your life insurance can provide vital financial support when you are no longer available.

An independent insurance agency can help you determine when you need insurance and how much coverage you should obtain. Floyd Insurance Group supports Idaho Falls families, singles and businesses with their commercial insurance, property insurance and auto insurance needs. Visit us online at www.floydins.com or give us a call today to learn more!

Take Action to Avoid Common Car Accidents

accident stressStatistics are kept concerning automobile accidents every year.  Insurance companies want to know the causes for claims in every community across the nation.  Drivers are wise to make adjustments to avoid the most common situations where accidents occur.

  • Rear-ending – Distracted driving that results in hitting the car in front of you is the cause of almost one third of all car accidents.  Pay attention whenever your vehicle is in motion.
  • Hitting a parked car – Parking lots are crowded and most movement happens in reverse.  Park your car further away from the door to reduce the risk of being hit.
  • Hydroplaning – Tires can lose contact with the pavement whenever water is on the road.  The driver has no control over the car’s direction in this situation.  Slow down whenever the roads are wet.
  • Animal collisions – Wildlife moves around during the early morning and evening hours to find water.  Drivers must be cognizant of these natural habits in certain areas to avoid a car accident.
  • Side collisions – Over 25 percent of all car accidents are the result of drivers “t-boning” another car.  These broadside collisions are avoidable through careful decision making.

For all of your auto insurance, commercial insurance and property insurance needs in Idaho Falls, Idaho, visit us online at www.floydins.com or give us a call today!

Preventing Workers Compensation Fraud and Abuse

Commercial insurance programs usually include workers compensation (WC) coverage. Many states require it, so businesses have no choice but to buy this protection.filling up a work injury claim form

You may heard or read articles discussing workers compensation fraud, but, if you’re like many others, remain unsure of what forms this abuse takes or how to prevent it. Here is a brief primer about workers compensation fraud and how to avoid it.

Common Fraud Types

  • Faking a covered workplace injury.
  • Working for a different employer, but collecting benefits from a former employer.
  • Using a non-work injury as a workplace injury to collect benefits.
  • Returning to your job, but still collecting workers compensation payments.
  • Claiming treatment someone never received.
  • Misinforming about the seriousness of your injury.

Avoiding and Preventing WC Fraud

  • Thoroughly investigate all accidents, identifying danger points at your workplace.
  • Identify common fraud indicators, including
    • Workplace rumors.
    • Long time periods between injury and claims.
    • Employees the employer cannot reach at home, while he/she is receiving benefits.
    • Employees changing doctors after the prior physician released them to return to work.
    • Inconsistencies and changes of employee accident reports.
    • No witnesses to the injury or accident.

Workers compensation fraud hurts everyone, including other employees and employers. Avoiding WC abuse requires employer diligence by investigating claims and understanding common indicators of improprieties.

When you need WC insurance in the Idaho Falls area, contact the Floyd Insurance Group, your trusted experts in all commercial insurance areas in Idaho. Representing many of the top companies in the nation for auto insurance, property insurance and commercial insurance solutions, the Floyd Insurance Group will find you the affordable coverage you need.  For more information on insurance services in Idaho Falls, Idaho, visit us online at www.floydins.com or give us a call today!

Protect Yourself From Identity Theft at Tax Time

Tax DayTax time is just around the corner, and it is the time of year when companies and charitable organizations will be sending out all kinds of official tax forms. Because many of these papers contain Social Security numbers, legal names, addresses, and other sensitive, private information, you should be very careful to safeguard yourself and your family against identity theft. Here are three tips to help you protect your family’s personal information.

  1. Watch your mailbox. Most paperwork is sent through snail mail, so keep a close watch on your mailbox. It would be simple for a thief to pilfer an important paper right out of the box. If your important papers are not in the mailbox by January 31, call your employer. If you still haven’t seen them by mid-February, call the IRS. They can get the information for you after February 14.
  2. Carefully store paperwork. Be careful with the hard copies of your tax papers after you receive them. Don’t leave them in the car or on a desktop in view of a window. A locked file box or a safe is the best place for these papers.
  3. Know the warning signs. If a thief has your information, he could file a fraudulent claim in your name. If anything strange happens in the course of filing your taxes, don’t hesitate to call the IRS. If there is odd information in your tax history or a record of an employer that you don’t recognize, be sure to make the call. It’s also not a bad idea to periodically check your credit report to make sure that no one has taken out a credit card in your name with your information.

For more information about property insurance, commercial insurance, and auto insurance in Idaho Falls, Idaho, visit us online at www.floydins.com or give us a call today!

Tips for Keeping Your Heart Healthy

americna heart monthBecause of Valentine’s Day, February is the month when hearts are on everyone’s mind. For this reason, the American Heart Association has designated February as American Heart Month. This campaign is designed to raise awareness about heart disease, its causes, and how it can be prevented and treated.

Every year in the United States, about 600,000 people die from heart disease. Heart disease is a broad category that includes illnesses like heart attack, coronary heart disease, and arrhythmias. Cardiovascular disease includes heart attacks and strokes, and it costs the United States over $312 billion every year.

Certain lifestyle choices can put you at increased risk for heart disease. Use these tips to keep your heart healthy this February.

  • Eat a healthy diet that includes plenty of whole grains, fruits, and vegetables.
  • Keep your body at a healthy weight.
  • Keep track of your blood pressure. If you’ve been diagnosed with high blood pressure, manage it by taking your medications.
  • Regularly exercise.
  • Stop smoking.
  • Be moderate in alcohol consumption.
  • Property manage diabetes if you have it.
  • Keep an eye on your cholesterol.

For more information about property insurance, auto insurance, and commercial insurance in Idaho Falls, Idaho, visit us online at www.floydins.com today!

Should You Insure a Valentine’s Gift? It Heart-ly Matters

Should you insure Valentine’s Day jewelry or other gifts? It might seem a little awkward to place a cash value on a gift from the heart. Consider how you might feel if your gift was lost or stolen, however, and insurance makes sense.

You might assume that your homeowners, renters or other property insurance will cover your new jewelry. In fact, if the item is valuable, your existing policies may specifically exclude coverage, or may limit the amount reimbursed to much less than actual value. You can address this by having a rider added to your policy, or purchasing new coverage just for the item.

If the gift is very valuable, you might be encouraged to add security, such as a lock box or home alarm. Your insurance company may also want to see the receipt for the item or ask you to have the gift appraised before issuing insurance. If you seek an appraisal, get the value in writing, and keep a record with the appraiser’s name and the date. It’s a good idea to have items revalued every few years, too, to make sure your insurance coverage remains sufficient.

The Floyd Insurance provides insurance advice for Idaho Falls and the surrounding areas in Idaho. To learn more or to get a quote, contact us today! 

Satisfy Your Hunger Cravings in Idaho Falls by Visiting These Popular Restaurants

Satisfy your hunger cravings in Idaho Falls by visiting restaurants such as The Snake Bite, Sandpiper Restaurant, Morenita’s Mexican Restaurant & Bakery, Smitty’s Pancake & Steak House, and Jaker’s Bar and Grill. These eateries are popular with the locals and make quite an impression on folks passing through Idaho Falls.

The Snake Bite is a popular restaurant known for its juicy burgers, steaks, and seafood. This is a great place to satisfy those hunger cravings!

The Snake Bite

401 Park Ave
Idaho Falls, ID 83402

(208) 525-2522

Sandpiper Restaurant is known for their steaks, seafood, and pasta dishes. The menu offers selections that promise to please the masses.

Sandpiper Restaurant

750 Lindsay Blvd
Idaho Falls, ID 83402

(208) 524-3344

Morenita’s Mexican Restaurant & Bakery is a nice family restaurant that welcomes groups and also children. Their aromatic dishes offer hefty portions and will please everyone in the mood for Mexican flavor.

Morenita’s Mexican Restaurant

450 Whittier St
Idaho Falls, ID 83401

(208) 522-9319

Smitty’s Pancake & Steak House is known for the friendliest service in town. The "little restaurant by the river" maintains its menu and doesn’t shift with the fads. The delicious food and the warm, family style, customer service brings with it a steady flow of returning customers.

Smitty’s Pancake & Steak House

645 W Broadway St
Idaho Falls, ID 83402

(208) 523-6450

Jaker’s Bar and Grill is a nice restaurant with a casual ambiance, a full bar, and a variety of lobster dishes. Come in for lunch or dinner. This is a great place to celebrate an anniversary, birthday, or hold a business meeting.

Jakers Bar and Grill

851 Lindsay Blvd
Idaho Falls, ID 83402

(208) 524-5240

When searching for property to commercial insurance coverage in Idaho Falls, contact the Floyd Insurance Group. Find out about full coverage for auto insurance, property insurance, and commercial insurance. The professionals at Floyd Insurance Group will help you match the best provider to the highest level of coverage for your needs, while finding you the best rates. Coverage is extended from known providers such as MetLife, Hartford, Travelers, Progressive, and more. The Fisher Group services both Idaho and Utah. Call 208-524-2163 today!