Month: March 2026

Does Religious Institute insurance cover parishioners?

Posted on by AgentInsure

If you manage a religious institution or help make operational decisions, understanding religious insurance is an important part of protecting your organization. With proper planning, you will find that religious insurance is essential for faith-based institutions of all types and sizes.

Understanding Coverage for Parishioners

When an incident occurs at your religious institution, the primary concern is often the safety of parishioners and visitors. Many leaders wonder whether their insurance policy will help cover injuries that occur on the property.

Selkirk Insurance Services in Sandpoint, ID recommends liability coverage for unexpected accidents. Liability insurance can help cover medical expenses or legal costs if a parishioner or visitor is injured while on the premises. This type of protection helps ensure your institution is not responsible for paying these expenses on its own.

Reducing Liability for Your Institution

An injury on the property can expose your organization to legal claims and financial strain. Without proper insurance, covering medical bills or legal fees out of pocket can have long-lasting consequences for the institution.

General liability insurance covers bodily injury, property damage, and related expenses. This coverage serves as a financial safety net so your institution does not bear the full cost of damages or legal action. With the right policy in place, you can hold services, meetings, and events with confidence, knowing your organization is protected.

Get a Quote From Selkirk Insurance Services

Our team in Sandpoint, ID is ready to help you secure the right protection for your religious institution. Contact us today at 208-263-0888 to request a customized quote and learn more about religious insurance options.

Does Homeowners Insurance Cover Farm Equipment?

Posted on by AgentInsure

Most farmers in the Sandpoint, ID, area rely on valuable equipment that helps them work efficiently. Tractors, combines, and other machinery are expensive to replace, so it’s important to understand how your insurance policy protects them and what types of coverage may be available.

Potential Risks

The right insurance coverage can protect your farm equipment investment in several situations. You may be able to file a claim if your machinery is damaged or lost due to fire, theft, vandalism, or another covered peril. Insurance can also offer liability protection if you accidentally injure someone or damage their property while operating this equipment.

Home Insurance

Most home insurance policies do not cover farm machinery. A homeowner’s policy may cover a small tractor used only for personal, non-commercial purposes such as mowing your own lawn or clearing your driveway. However, these policies often include limits, such as restrictions on engine horsepower. Larger farm equipment is typically excluded.

Better Coverage

Farm and ranch insurance is usually the best way to protect equipment used for agricultural work. These policies can include coverage for machinery, outbuildings, mobile homes, and personal property. Depending on how the equipment is used and whether employees operate it, farmers may also need commercial vehicle insurance or workers’ compensation coverage.

Is It Required?

Idaho law does not generally require farmers to insure agricultural equipment. However, lenders often require borrowers to carry coverage if the machinery was purchased with a loan. This helps protect the lender’s financial interest.

Selkirk Insurance Services helps farmers throughout northern Idaho find the coverage that fits their needs. Our local agency has more than 16 years of experience, and we are here to answer your insurance questions. Contact Selkirk Insurance Services in Sandpoint, ID, by calling 208-263-0888 or texting 208-427-3341.

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