Lawsuits and a Safety Net with Umbrella Insurance

In today’s litigious society, the threat of lawsuits looms large for individuals and families in the Sandpoint, ID region. While standard insurance policies provide valuable protection, they may not always be sufficient to cover the full extent of damages in a lawsuit. This is where umbrella insurance steps in, offering additional financial security and peace of mind.

Understanding Umbrella Insurance

This liability insurance provides coverage beyond the limits of standard home, auto, or watercraft insurance policies. It serves as a safety net, protecting policyholders from terrible financial losses in lawsuits where damages surpass the limits of regular insurance coverage. 

Comprehensive Coverage

Umbrella insurance offers broad coverage for various liability risks, including bodily injury, property damage, personal injury, and legal defense costs. It extends coverage worldwide, providing protection wherever the policyholder goes, whether at home or traveling abroad.

Protection Against Lawsuits

Umbrella insurance shields policyholders from the consequences of lawsuits. When a lawsuit happens, umbrella insurance kicks in when all resources are exhausted, providing additional funds to cover legal expenses, settlements, and judgments.

Peace of Mind

Umbrella insurance offers peace of mind for individuals and families, knowing they have an extra layer of protection against unforeseen events and legal liabilities. With umbrella insurance, policyholders can go about their daily lives confidently, knowing they are financially protected from the risks of lawsuits and legal claims.

Cost-Effective Coverage

Despite its comprehensive coverage, umbrella insurance is relatively affordable, especially considering the significant financial protection it provides. The cost of umbrella insurance premiums is typically low compared to the potential economic losses it helps mitigate, making it a cost-effective safeguard against lawsuits.

Let Selkirk Insurance Services Give You Information

Selkirk Insurance Services answers your umbrella insurance questions and serves the Sandpoint, ID, region. Call us today.

Three Things to Know About Insuring a New Sailboat

Owning a new sailboat brings the promise of new adventures on the water. Amidst the excitement of getting a new boat, however, it’s important to take a moment and make sure the boat is properly protected. Here are three key things about adequately insuring a new sailboat with boar insurance.

1. Protection Against Damage: Sometimes Required

One of the most important aspects of boat insurance is protecting your vessel, especially when it’s new. 

You’ll likely be required to insure against vessel damage if you’re financing your boat. Most lenders require this when underwriting boat loans to ensure the vessel used as collateral against a loan is protected. However, it’s broadly recommended that you get damage coverage regardless of whether you’re required to.

2. Coverage for Onboard Gear: Protecting Your Equipment

In addition to protecting your boat against damage (and theft), it’s also important to protect what’s on it. Make sure any tackle, safety equipment, electronics, and other gear is protected against fire, theft, and other perils. This coverage is usually distinct from damage coverage.

3. Trailer Coverage: Safeguarding Your Transport

If you’re getting a trailer for towing your sailboat, you’ll also want to insure the trailer against car accident damage, theft, and other risks. This third protection is usually distinct from what a boat insurance policy offers for your sailboat and gear.

If you’ll only occasionally trailer your boat locally around the Sandpoint, ID area, we at Selkirk Insurance Services can help you find basic trailer coverage that’ll meet your needs. Of course, we can also assist with more extensive trailer coverage if you regularly tow.

Get Boat Insurance for Your New Sailboat

If you’re getting a new sailboat this season and will keep it around Sandpoint, ID, let us at Selkirk Insurance Services help you set up a boat insurance policy to protect it well. Contact us today to get a policy.

Protecting Your Condo Begins with Insurance

Protecting the place we call home is something everyone thinks about, and for condo owners, the first step usually begins with condo insurance. It doesn’t matter if you live in a mansion, a single-room apartment, or a luxurious condo with all the amenities. Home can look different for everyone. However, protecting the place we call home looks very much alike to everyone. If you are a condo owner in the Sandpoint, ID area and have questions about condo insurance, the friendly and professional team at Selkirk Insurance Services can help.

Condo Insurance for the Place You Call Home

In many ways, a condo is as susceptible as a traditional home in terms of concerns about safety and protecting your home. From theft to liability claims and more, condo owners share many common concerns with other homeowners. It isn’t surprising that people who call home everything from an apartment to a house to a condo use insurance as a first line of defense to protect the place they call home.

At Selkirk Insurance, our team can help owners find condo insurance solutions that fit their needs, condos, and budgets. Protecting your home is important, regardless of where you live, and protecting your condo begins with the right condo insurance solutions. 

Condo Insurance in Sandpoint

If you are a condo owner in or around the greater Sandpoint, ID, area and have questions or want to learn more about condo insurance, our professional and trusted team at Selkirk Insurance Services can help. Contact us today to find out more and get the condo insurance you need to protect your place of residence.

Why every renter should have renters insurance

Owning a home isn’t for everyone. Many people opt for renting and letting someone else maintain and worry about the building. Only about 60 percent of renters actually have renters insurance, which is risky. At Selkirk Insurance Services in Sandpoint, ID, we ensure our customers understand the value of insurance on their rental. 

If you have any assets, renters insurance provides liability insurance that can protect your assets. If someone is hurt in your rental or by a family member away from your rental, it will provide coverage to pay for legal fees and a judgment against you. This can give you the peace of mind you need.

As a renter, you may assume that your landlord’s insurance protects your personal property, but that would be a mistake. The landlord’s insurance only covers what belongs to them, not what belongs to you. Renters insurance will provide the coverage that you need to protect all the things that you own. It covers theft as well as loss through a covered hazard. You can cover the items for their replacement cost or their current value. 

In addition to liability and personal property coverage, renters insurance may have a loss of use coverage. If your rental becomes uninhabitable, loss of use coverage will pay to stay in a hotel or temporary rental, and if you are unable to cook, it will pay for meals. 

If you live in or near Sandpoint, ID, Selkirk Insurance Services is your local independent insurance agency. We are here to help renters understand the benefits of having renters’ insurance. Give us a call to set up an appointment to discuss your needs. 

Religious Institute Insurance: For Your Clergy, Staff, and Parishioners

We pass by them every day, in every town, everywhere. Sometimes, these towering works of architectural wonder are testaments to the glory and reverence of the divine. Sometimes, these are quaint, beautiful, and pristine structures that are emblematic of the wonder, awe, and love of a humble King. Unfortunately, these religious institutions, like any other home, office, or establishment, are still subject to several risks. On the other side of the coin, however, religious leaders from in and around Sandpoint, ID can rely on religious institute insurance options from the caring team at Selkirk Insurance Services for protection from risks and unexpected events.

Protecting Your Religious Institution

Those who lead churches are members of religious institution boards, and others in the clergy always strive to care for their staff, other clergy members, and their beloved parishioners. That is also a big responsibility that religious institute insurance plans can help cover. 

Additionally, buildings of religious significance and worship are no less susceptible to events like theft, flooding, storm damage, or fires. These are among the few considerations the right insurance solutions for your religious institution can help protect. From large religious institutions to small church buildings, religious institute insurance can help restore stolen items, repairs, and more. 

Contact Selkirk Insurance Services Today

If you are a leader or belong to the leadership staff of a religious institute in or around Sandpoint, ID, and are considering insurance options that fit your needs, we can help. Our experienced and professional agents at Selkirk Insurance Services can help assess and protect your religious institution. Contact us to learn more and get the insurance solutions you need to protect your clergy, staff, parishioners, and religious institute today.

Insurance Coverage Guidelines for Farming Essentials

Seek adequate insurance coverage for the farmland that you recently purchased. Have an assessment of your property conducted first. The assessment will help you determine how much insurance is needed.


An insurance representative will assess your farmland, determining your risk level and whether any changes need to be made to the land or its existing structures.

Prepare your property before the assessment is conducted. Make sure that the insurance representative can access each area where they will be conducting the assessment. 

Land Assessment

The insurance representative will view the outdoor property. The drainage conditions and layout of the land will be assessed during this process.

The representative will consider whether soil erosion or flooding could be a concern. Notes may be taken during the assessment, which will pertain to the present condition of the farmland.


An assessment of your farming equipment will be done. Machinery, vehicles, and any other possessions used to operate your farm will also be inspected now.


The buildings that are on your land will be examined. The condition of the structural materials will be inspected. The representative will look for signs of damage. They will also determine if any of the structural materials are weak and at risk of becoming damaged in the future.

Reach out to Selkirk Insurance Services

You will be provided with the results at the end of the inspection process. These results will indicate if you need to make any repairs to your property.

Once your farmland is in adequate shape, contact one of our agents who represent Sandpoint, ID. A Selkirk Insurance Services agent will prepare your farming insurance documents.

Add an Auto Insurance Review to Your Spring Cleaning List

Spring Cleaning: A Great Time to Revise Your Auto Insurance

With the arrival of spring comes the tradition of spring cleaning. It often signifies a time of renewal – a time to declutter, clean, organize, and prepare for the coming year. This same spirit of renewal should be applied to your auto insurance policy. Are you situated in the Sandpoint, ID area and considering upgrading your existing auto insurance policy? The Insurance Shop USA has got your back.

Why Regularly Review Insurance Policies?

By allowing trusted insurance agents like The Insurance Shop USA to review your auto insurance policy annually, you’re ensuring comprehensive protection for your vehicle. Auto insurance claims can be painstakingly complex; hence, having the correct coverage for your vehicle is vital. Our team offers a thorough review of your existing auto insurance policy, ensuring that it delivers the quality coverage you need now and in the future.

Stay Updated with The Insurance Shop USA

Intrinsically tying your annual auto insurance review with your spring cleaning ritual can prevent future complications and ensure that your policy stays up-to-date. We recommend at least an annual review, but more frequent reviews may be required in case of changes in the household. Contact us at The Insurance Shop USA in Sandpoint, ID, for suggestions and detailed information about auto insurance reviews.

With our team of dedicated agents at your service, whether it is making required updates to your policy or offering need-based assistance, our goal is to ensure you’re fully protected while on the road.

Valuable Collections: Are They Covered by Your Home Insurance?

Navigating the Maze of Homeowners Insurance with The Insurance Shop USA

A common misunderstanding among homeowners in Sandpoint, ID, is assuming that their standard homeowner’s insurance policy provides absolute coverage. Many times, people find that their prized collections of antiques, art, jewelry, or other valuables are only partially covered. At The Insurance Shop USA, we want to eradicate these misconceptions and guide you towards comprehensive insurance protection.

Recognizing the Limits of Existing Coverage

Often, the content coverage of a standard policy is contingent upon the value of your primary structure. This means that the pricier your home, the more coverage extends to your belongings. However, a valuable collection can easily exceed this limit. Even a spell of bad luck leading to total loss could deplete your coverage quicker than expected. Regularly reviewing your home insurance can help check if your coverage is adequate.

The Implications of Valuable Collections

When it comes to coverage, one size rarely fits all. Things become trickier when valuable collections are involved. The cost may wildly surpass your content coverage limit. In such scenarios, a tailor-made insurance rider or attachment can fill any gaps.

Maintaining Transparency with Your Insurance Agent

A proactive approach to communication with your insurance agent is key to efficient coverage. In this journey, The Insurance Shop USA is your experienced travel mate in Sandpoint, ID. By informing us about your valuable collections or changes in their value, we can ensure that your insurance coverage is adjusted accordingly.

Insurance is a crucial safety net for your cherished belongings. Hence, they always opt for insurance coverage that reflects their true worth. Reach out to The Insurance Shop USA today for personalized assistance and strategic insurance solutions.

Selkirk Insurance Services Rebrand

We are excited to share some important news about the future of our company. After 15 years of serving the North Idaho community as Insurance Shop USA, we have made the decision to rebrand our company as Selkirk Insurance Services. This new name better reflects our local focus and dedication to serving the unique needs of our community. It’s a name that speaks to our roots in this region and our commitment to continue growing alongside it.

We want to assure you that this rebranding does not affect the ownership, management, or the way we operate. Our team remains the same and as dedicated as ever to providing you with the excellent service you have come to expect from us. The only change is in our name, a change that more accurately reflects our identity and our commitment to the community we proudly serve.

As Selkirk Insurance Services, we renew our commitment to you, our valued clients. We will continue to offer the same high-quality insurance products and personalized service that have defined our business for the past 15 years.

Thank you for your continued trust and support. We look forward to serving you under our new name and continuing our journey together.


Travis Smith
Selkirk Insurance Services

The Two Main Types of Life Insurance

There are different types of life insurance policies that people can choose from depending on their own needs. Often, the chosen one comes down to the budget of the person seeking the policy. When people rely on you, having something to leave them when you’re no longer around is important. When you know the types of life insurance available, it’s easier to choose exactly what you want to protect your family. You can call us at The Insurance Shop USA in Sandpoint, ID to get your insurance policy.

Whole Life Insurance

This type of life insurance is one that you can keep for the rest of your life. It’s called whole life because it stays active for your whole life. Even if you become very elderly, you can keep your policy. All you have to do is to keep paying for it as agreed. If you do this, it can’t be canceled. These policies also have a cash value that becomes available. If you should have a financial emergency, you can borrow this amount to help yourself through it. This cash value starts small and builds over the years you have the policy. 

Term Life Insurance 

This type of policy doesn’t necessarily stay good for the rest of your life. It’s good for a very specific term. It’s set for several years. If you haven’t passed away during that term, the policy will expire at the end of it. The trade-off is that this type of life insurance is much less expensive. Many people choose to get a term life policy because it best fits their budget. 

Get Life Insurance

Call us at The Insurance Shop USA in Sandpoint, ID to learn more about life insurance. We can help you get started with a policy of your own.