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. 

Future Insurance Considerations: How Business Interruption Insurance May Benefit Your Business in the Future

In the dynamic business landscape of the greater Sandpoint, ID area, The Insurance Shop USA is your dedicated ally in commercial insurance coverage. Today, we explore more information about the future benefits businesses can derive from proactive considerations of business interruption insurance.

1. Enhanced Resilience to Disruptions

Business interruption insurance serves as a resilient shield, offering financial support during unforeseen interruptions. Looking to the future, businesses can benefit from enhanced resilience, knowing they have a safety net to navigate interruptions caused by various factors.

2. Adaptability to Evolving Risks

The business landscape is ever-evolving, with new risks emerging. Business interruption insurance can adapt to evolving risks, providing coverage for scenarios that may arise in the future, such as technological disruptions, supply chain challenges, or health crises.

3. Safeguarding Revenue Streams

Future-proofing your business means safeguarding revenue streams. Business interruption insurance ensures that even during interruptions, your business can continue to meet financial obligations, protecting your revenue and financial stability.

4. Supporting Remote Work Dynamics

The future of work includes remote dynamics. Business interruption insurance can be tailored to support remote work scenarios, covering potential interruptions related to remote operations, cybersecurity, and other remote-specific challenges.

Connect with The Insurance Shop USA for Future-Ready Coverage

For personalized insights into the future benefits of business interruption insurance and tailored commercial coverage in the greater Sandpoint, ID area, connect with The Insurance Shop USA. Our committed team is dedicated to providing comprehensive solutions to protect your business against future uncertainties. Call us today or visit our website for more information and confidently embrace a future-ready approach to business protection.

Expecting the Unexpected: Why Wedding Insurance Matters

Weddings are expensive, and while the time leading up to the wedding is full of excitement and joy, it’s normal to feel stressed. Protecting your investment is critical, and here, we’ll take a look at how wedding insurance can help you rest assured that you’ll be in the clear if something goes wrong at the last minute. 


Many wedding insurance plans protect against the illness of the couple or the illness of their immediate family members (including their parents). Typically, policies only cover unexpected issues, not pre-existing conditions. 


If you’ve planned a gorgeous outdoor wedding that’s brought to a halt due to extreme weather conditions that prevent the couple, wedding party, immediate family, or the majority of guests from being unable to make it to the wedding, your wedding insurance policy will allow you to reschedule the wedding. An important note: many policies require that you pay for the policy in full at least two weeks before the wedding to be eligible to file weather-related claims.

Wedding Site Issues

Sometimes, unpredictable issues with the wedding site, such as a fire or a flood, require event postponement. Wedding event insurance will allow you to recoup your investment if unexpected conditions have caused your wedding site to no longer be available for your event. 

The Insurance Shop USA: Serving Sandpoint, ID Customers with Wedding Insurance Policies

You’re spending months, or even years, planning for your big day, and your investment and hard work must be protected. Reach out to The Insurance Shop USA, serving Sandpoint, ID, for more information about how we can help you relax and remember that you’re protected before your wedding day.

Why You Need Liability Protection for Your Vehicle

If you drive a vehicle in Idaho, you’re required to have an active auto insurance policy to cover it. You need to have an auto insurance policy in place from the moment you buy your car and keep it for as long as you own it. Several types of auto insurance coverage are required to be in your auto policy. Some of these include different types of liability coverage. Call us at The Insurance Shop USA in Sandpoint, ID to learn more. 

Accidents and Liability

Many don’t think much about car accidents or what could happen afterward. However, it’s important to be prepared. This is especially true for accidents in which you were the cause. You may not think you would cause an accident, but mistakes do happen, and you could be found at fault. That’s why you need liability coverage for your vehicle. If you cause an accident, this insurance will pay for the damages. 

Bodily Injury and Property Damage

Your liability coverage is divided into two types. One of these is bodily injury liability, and the other is property damage liability. Both coverage types pay the other party when you cause an accident. Bodily injury pays for the medical bills and other associated costs that the injured party has. For some, this could include lost wages. Property damage liability is for damage you cause to another vehicle or any other type of property. Both of these liability coverage types come with very small minimums in Idaho. That makes it a good idea to get more coverage than the minimum. 

Get Auto Insurance

If you don’t have an auto policy yet, don’t wait to get it. Call us at The Insurance Shop USA in Sandpoint, ID. We can tell you exactly what’s required in the state and help you choose the right policy for you. 

Bridging the Gap: How Umbrella Insurance Secures Your Sandpoint Lifestyle

The Insurance Shop USA in Sandpoint, ID, understands the unique needs of residents who want to protect their homes and property in this idyllic environment. 

Getting umbrella insurance can help you add a layer of financial protection and coverage to your home and auto insurance policies to ensure that all your favorite assets are secure.  

Why Sandpoint ID Residents Need Umbrella Insurance

Safeguard Against Outdoor Activities and Recreational Risks 

Sandpoint is a haven for outdoor enthusiasts passionate about boating on Lake Pend Orville, hitting the slopes of Schweitzer Mountain, and hiking in the vast wilderness. 

Accidents can happen in even the most serene environments, leading to costly liability claims or lawsuits. While primary insurance policies for home and auto can provide a limited level of coverage, they are not enough to fully protect your assets against a major lawsuit. 

Idaho umbrella insurance acts like a safety net, covering the costs of claims exceeding your primary policies’ limits. 

Hosting Events and Liability 

The vibrant local cultural scene often involves hosting events that range from small music festivals to massive private gatherings. Umbrella insurance can help cover unexpected accidents or Personal injuries if a guest is injured on your property and decides to sue. 

Get umbrella insurance to protect your home and assets against major legal claims and liability that can cause irreparable damage to your finances. 

Find Umbrella Insurance in Sandpoint, ID

The knowledgeable and friendly insurance agents at The Insurance Shop USA in Sandpoint, ID, can answer your questions about umbrella insurance and offer advice based on your needs. 

Contact an agent to learn more about extending the limits of your current home and auto insurance with umbrella insurance today! 

Why All Boaters Need Boat Insurance

If you own a boat, you know how freeing it can be to get out there on the water. You’ve invested a lot into your boat, so it’s vital to ensure your boat is taken care of if there is an accident or other incident. To do this, you need specific types of boat coverage. No boat owner should be without it because of the high cost of accidents. When you need boat insurance, call us at The Insurance Shop USA in Sandpoint, ID to learn more.

Boat Liability Coverage

Like an auto insurance policy, your boat policy should include liability coverage. This coverage can take care of the costs of accidents that you cause. No one intends to have an accident, but plenty of accidents on the water do happen. When you cause harm to someone else’s watercraft or cause them to be injured, this coverage can pay for those bills. Make sure you have plenty of this coverage so that you’ll be covered even if the accident is serious. 

Other Boat Coverage

Boats often have a lot of personal property and expensive equipment on them. Boat insurance can cover your personal property so that you can get your items replaced if they’re destroyed in an accident. It’s also a good idea to get collision coverage in your policy. This covers the damage the accident caused to your own boat. In addition, comprehensive coverage covers the costs of other incidents that can happen to your boat when it isn’t on the water. 

Get Your Boat Insurance 

If you’re buying a boat or want to protect the boat you already have, call us for a policy. You can contact us at The Insurance Shop USA in Sandpoint, ID.  

How Does Condo Insurance Differ From Home Insurance?

When insuring your residence, it’s crucial to understand the differences between condo insurance and home insurance. Here are some of the key differences provided by The Insurance Shop USA, serving the greater Sandpoint, ID area. 

Condo Insurance

Condo insurance is designed for individuals with condominium units within a larger building or complex. It typically covers the condo unit’s interior, personal property, and liability. Condo insurance policies often include:

  • Interior Coverage: This protects the interior structure of your condo, including walls, floors, ceilings, and fixtures. It may also cover upgrades and improvements you’ve made.

  • Personal Property: Condo insurance covers your personal belongings, such as furniture, electronics, and clothing. It safeguards these items against theft, fire, or other covered perils.

  • Liability: Liability coverage protects you if someone is injured while in your condo and you are found responsible. It also covers damage you may cause to other units in the building.

Home Insurance

Home insurance, also known as homeowner’s insurance, is intended for those who own standalone houses. It provides a broader range of coverage, including:

  • Dwelling Coverage: This insures the entire structure of your home, including the roof, walls, and foundation. It covers damage from various perils, such as fire, vandalism, and natural disasters.

  • Personal Property: Home insurance also includes coverage for your personal belongings, much like condo insurance.

  • Liability: Liability protection is similar to condo insurance and covers injuries on your property or damage you may cause to others’ property.

While condo and home insurance protect personal belongings and liability, they differ in the scope of coverage. If you want to purchase condo insurance in Sandpoint, ID, the Insurance Shop USA team can help. Call us now for an estimate.

Why Every Renter Needs Renter’s Insurance

Renter’s insurance is essential to have if you rent your home. There’s no substitute for this valuable protection. Every renter needs to have a policy of their own because these policies protect you in many ways. They offer the type of protection you need when you rent your home. Call us at The Insurance Shop USA in Sandpoint, ID if you don’t have a renter’s policy.

Protect Your Belongings

When you have this type of insurance policy, it protects you against the loss of your belongings. The policy contains coverage that makes it easy to keep your possessions safer. If some damaging event happens to your home, that policy can pay for replacing your items. It covers everything in the house, and the prices of these policies are quite low. You won’t pay much for much coverage that will come in handy if your things are destroyed or otherwise damaged in your home. 

Liability Protection

You’re in charge of what goes on when you rent the residence. If someone comes in and has an accident there, they may become injured. The costs associated with that injury would be yours to pay for. When you have renter’s insurance, it covers those costs. It will pay for the person’s medical bills and may even pay for legal expenses and other bills resulting from the accident. This can save you an enormous amount of money. It also gives you better financial peace of mind when you know that you have this coverage and that an injury will be taken care of financially. 

Get Your Renter’s Insurance

Your landlord likely requires you to keep this type of insurance policy. Call us today at The Insurance Shop USA in Sandpoint, ID, to get one. 

What Institutes Can Purchase Religious Institute Insurance?

If you’re interested in securing religious insurance for your organization, you need the guidance of a trusted insurance provider. You can count on The Insurance Shop USA experts, proudly serving the residents in and around the Sandpoint, ID area. Let us help you choose a policy that suits your specific needs. 

Learn about Religious Institute Insurance in Idaho

Religious institute insurance is designed to protect the property of religious groups and organizations. Some coverage protection includes papers and records, the structure, stained glass, equipment, personal property, and any other items related to or used for religious organization purposes. Other additions can be chosen to offer a better layer of protection.

If you are currently seeking religious institute insurance or want to learn more about coverage options, our insurance experts can help. They can provide education regarding the products we offer, and we can also assess your current and potential future needs. We use the details we gather about your religious Institute to determine which policies best match your needs.

We can assist you with determining which policies offer the most coverage and can provide security against losses associated with covered risks. Our goal is to give the religious institutes in and around the area with high-quality insurance products and services.

Reach Out to The Insurance Shop USA Today

If you would like assistance finding religious institution insurance or to get more details about the various insurance products we have available, please reach out today. Feel free to call or stop by the office of The Insurance Shop USA. We provide top-quality insurance services to residents around the Sandpoint, ID area. Let us help you get adequate coverage for your organization.