Insurance News and Information

Do you have a smartphone or a high end cell phone? Are you concerned about the cost to replace your cell phone if something happens to it? Most cell phone carriers offer monthly cell phone insurance plans but these plans can be expensive between high monthly premiums, deductibles that you have to pay when an accident occurs, and exclusions that can leave you without coverage and without a new cell phone.

Without a subsidy from the cell service carrier a smartphone can be very expensive to replace. The Apple iPhone currently costs $599 to replace without a subsidy! What if you could insure your cell phone against breakage and fatal accident for a fraction of the cost of monthly cell phone insurance plans?

BOISE ID (March 30, 2011) – Almost every year, winter runoff mixed with rain causes flooding of Idaho’s rivers. Earlier this month, residents watched as water in the Weiser River rose to dangerous levels. The Idaho Department of Insurance urges all consumers to take stock of their belongings and their insurance policies to make sure they are prepared in case the waters start to rise in their neighborhood.

Department Director Bill Deal says, “Flood, defined in insurance terms, is an excess of water or mud on normally dry land. Floods are not covered by a typical homeowners or renter’s policy. Additionally, mold caused by flooding is generally not covered.”

Check out this article from the Idaho Department of Insurance about a new iPhone app that can help you document and categorize all the belongings in your house. In the event of a large loss to your house a home inventory can be invaluable in helping the insurance company get you back where you were before the loss.

If you have any questions about home inventories or personal property coverage call Shaffer Buck Insurance at 208-454-1401 or Contact Us.

This category will contain helpful tips as well as answers to frequently asked questions about homeowners insurance. If you have any questions about any of the articles or have general questions on homeowners insurance, give us a call 208-454-1401 and we will be happy to help!