Frequently Asked Questions

We offer a range of insurance options including auto, home, life, health and business insurance.

To file a claim, please have your policy number ready and contact the claims department for your insurance carrier. If you dont know your policy number or need help finding the right contact information, call our office at 208-762-2700 and we can guide you in the right direction. 

 NOTE: A good rule of thumb for filing claims is that if it is not more than 3 to 5 times your deductible it is not worth claiming. 

Insurance rates are different for everyone. Factors that may affect your insurance premium include your age, driving record, location, type of vehicle, and coverage options.

Insurance premiums are on the rise nationwide with carriers trying to compensate for loss ratios due to the severe weather events and even small storms becoming more frequent and catastrophic. Adding the elevated costs for labor and materials, reconstruction, repairs, and claims costs, the industry is taking some hard hits. Auto accidents are on the rise which in turn has generated higher labor costs and often the parts are on back-order, so both auto and home rates are impacted by these major increases overall.

As an independent agency, we work with multiple carriers, and we are committed to finding you the best fit for your individual insurance needs. Please notify your agent if you wish to have a reevaluation of your policy(s). 

The reason individuals carry auto insurance is to protect themselves from financial devastation and loss of income.

It protects them from other people suing them for sums of money larger than they can afford to pull out of pocket, savings and investments.

It will also provide a monetary benefit to the insured if they get injured by another party who doesn't carry any or enough insurance coverage. Sometimes people become totally disabled and can no longer provide an income due to injury in an auto accident.

As you can see this is really meant to be a catastrophic coverage policy that will cover exceedingly large sums of monetary damages. Having the proper coverage in place makes sure that you and your family will never lose your home, investments and income due to any accident whether it is your fault or not.