Month: August 2026

Will I Be Required to Get Full Coverage When I Buy a New Car?

Posted on by AgentInsure

You probably know that insurance is required to drive on the road, but not everyone is required to carry full-coverage insurance. Full coverage is the most comprehensive auto insurance option available, and for some drivers, it’s more coverage than they actually need. Knowing when full coverage makes sense can help you navigate the car-buying process. If you’re buying a new car, the insurance professionals at Selkirk Insurance Services, serving Sandpoint, ID, can help. Our experienced team can help you sort through the various options to find the best choice for you.

What Is Full Coverage?

Full coverage insurance combines several other types of coverage, including liability, collision, and comprehensive insurance. This means your vehicle is protected in many circumstances, including collisions and non-collision events such as theft and vandalism. People buying a new car often seek out full coverage because new vehicles are valuable enough that replacing them out of pocket would be difficult.

Is Full Coverage Required to Buy a New Car?

Full coverage is typically required if you’re financing your new car with an auto loan, since most lenders make it a standard requirement. It’s worth confirming this when discussing your loan, but expect it to be part of the package unless your lender says otherwise. If you’re not financing the vehicle, you’ll have more flexibility to decide whether full coverage is the right choice for you.

When Should I Get Insurance When Buying a Car?

Get your insurance lined up before you buy by contacting Selkirk Insurance Services, serving Sandpoint, ID. Our insurance professionals can help guide you through the process. Call today.

A Pipe Burst In My Home! Will Home Insurance Cover It?

Posted on by AgentInsure

A burst pipe can cause significant damage to your home. Having home insurance can help during the recovery process, as long as you understand what’s covered and how to file a claim.

Are you a customer of Selkirk Insurance Services, serving Sandpoint, ID? If so, we can help you understand what’s covered under your home insurance policy. When it’s time to file a claim, our team is here to help you navigate the process.

Is a Burst Pipe Covered?

Coverage varies from one home insurance policy to another, but a typical policy will cover damage caused by a burst frozen pipe. To learn more about your specific level of coverage, review your policy documents, or reach out to your insurance agent with any questions. Most home insurance policies cover damage to both the structure and belongings inside the home. If you need to move out temporarily while repairs are made, your policy may cover those additional living expenses as well.

Filing a Claim? Here’s What to Do

Take photos of the damage right away. Your insurance company will want to see these when you file your claim. If you have any documentation related to the burst pipe, such as receipts for expenses incurred, hold onto that as well.

File your claim with the insurance company as soon as possible. Your insurer may have a preferred vendor for cleanup and repairs. Water damage from a burst pipe can lead to mold growth within hours, so it’s important to start repairs quickly by contacting your insurance company right away.

Have Questions About Your Insurance? Call Today

The professionals at Selkirk Insurance Services, serving Sandpoint, ID, are here to help you start the claims process with your insurance company. To get started, call today.

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