Month: February 2020

Do I need auto insurance in Sandpoint?

Posted on by AgentInsure

For many people that live in the Sandpoint, ID area, having a car is a necessity to get around town and to and from work. For those that have a car in this area, it is important to carefully consider all of your insurance needs. There are many reasons why you may need to have an auto insurance policy in this area.

Meet State Requirements

One of the reasons why you need to have an auto insurance policy in Sandpoint is so you can meet the state requirements. All drivers take on risk that they could cause an accident when they are behind the wheel. If they are at fault in an accident, the may owe a lot of money to cover damages. Due to this risk, the state wants to make sure that you have auto insurance to cover your liability damages. 

Need to Replace Vehicle

If your vehicle is damaged or stolen, your base auto insurance policy may not cover you. To ensure that you are fully covered for all situations that could result in an loss, you should get a full policy that also has collision and comprehensive auto insurance coverage. This will ensure that you are covered for almost any situation that could cause a loss. 

If you own a car in the Sandpoint, ID area, you always need to make sure that you have auto insurance. To ensure that you are getting into a good policy that gives you the right type and level of coverage, you should call The Insurance Shop USA. When you work with The Insurance Shop USA to get into any auto insurance policy, you can be assured that you are working with someone that understands your situation and gets you into the right policy. 

What is wedding insurance?

Posted on by AgentInsure

If you are getting married in the Sandpoint, ID area soon, the last thing you want to think about is something going wrong on your big day. However, weddings are not immune to disasters, and a wedding policy will protect you in the event something goes wrong. The agents at The Insurance Shop USA are here to put together a wedding insurance policy that is right for you. 

What is Wedding Insurance? 

Wedding insurance will protect you financially in the event certain things go wrong. Some types of events that would be covered include:

External events that lead to the cancellation of the wedding.

Extreme weather that leads to extra expenses due to changes that need to be made to the wedding plans.

Issues with the vendors you hire or the event space you have booked.

Types of wedding coverage

There are two types of wedding converges, and you can choose to purchase them separately or together as a bundled package. 

Liability coverage 

Liability coverage covers damage to the venue that was caused as a result of your wedding. It will also cover the medical bills if someone is hurt or gets sick as a result of the wedding. You should also check with the venue to see if they offer any amount of liability coverage as part of the contract.

Cancelation or postponement coverage
Cancelation and postponement coverage will pay for the expenses, to cancel or change the date of your wedding due to a covered event. It is important to remember that this coverage will only apply to events that are beyond your control, so if you get cold feet, you will not be protected. 

You can also purchase additional coverages to add on to your policy, such as honeymoon coverage and stolen gift coverage. 

If you would like to learn more about wedding insurance, reach out to an agent at The Insurance Shop USA today. We proudly serve the Sandpoint, ID area. 

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