Your nursery is ready, but are you?

Having a baby is an exciting time of life, full of new experiences and preparations. Whether you are bringing a baby into your life through birth or adoption, there is lots to do to get ready for your family to expand. From picking names to purchasing clothes, toys, and everything else you need for your new family member, the task list may seem endless. However, each new task brings a sense of joy and anticipation for all the memories to be made with your baby as you start a new phase of life.

When you get ready for your baby, there are lots of lists online and in books that are meant to help make sure you take care of everything you need: shopping lists, classes to take, and ways to prepare other family members (and pets) for the baby. Lists help explain what to expect with a new baby, how to adjust to a new schedule, and how to make sure you still have time with other friends and family members once your new baby is taking up a lot of your time.

So as you make sure that every aspect of your life is ready for a new baby, don’t forget to make changes to what you already have in place. Adding a new family member means you have new family needs. Speaking with your local insurance agent about your life insurance will help make sure that the policy you have is what is needed for your current family needs. Just as you’ll change your health insurance to include the new baby, you may need to update your life insurance, as well.

For more information about getting the right life insurance for your growing family, contact your local agent at All About Insurance Inc. today.

The Insurance Benefits of Buying a Used Car in Caldwell, ID

Many people know that it is much cheaper to buy a used car than a new car. Many individuals actually use this fact to get a nice car of the brand they like that they do not have to pay nearly as much for. However, these people are often not aware that buying a used car does not necessarily mean lower insurance rates.

The more likely it is that your car is going to be stolen, the higher your insurance rates will be. This actually means that you might be paying more in auto insurance coverage for an older vehicle that has a high rate of theft. Although the thieves may find newer vehicles to be more desirable, they are actually targeted for theft much less frequently, due to all of the GPS tracking systems and anti-theft devices that are in the new cars. Additionally, people who steal cars tend to target older vehicles because they are easily dissembled, and the parts can be sold for profit. You can still make a good decision in buying a used car, but you should do all of the appropriate research to make sure that you are getting a good deal in terms of auto insurance coverage. You should also, as much as possible, make sure that you are getting a good deal on the car and that it is not damage to the point where you might actually be cheated when you buy it.

If you live in Caldwell, ID, and you are interested in buying a used car, you should go to All About Insurance Inc. to see what your insurance options are and have any questions answered regarding insurance. All About Insurance Inc. has many seasoned professionals who will be able to help you and give you all the information you need when you are looking for a used car and the applicable insurance in Caldwell, ID.

Why Residents in Caldwell May Need Additional Home Insurance

Caldwell, ID has some great homes to insure, but those within them may not understand just how much danger they might be in should something happen to their place of residence. All About Insurance Inc will give you some facts to remember about how your home can stay covered, regardless of what may happen to it. 

It’s What’s Inside That Counts 

Most people assume their property inside is covered if it happens to be damaged in a natural disaster or taken by a thief with too much time on their hands, but often times they’re not able to recoup the loss of their personal property. During a traumatic time like this, it’s often both valuables and sentimental objects that are affected, and it can be an emotional time for everyone. Those who do not have the additional coverage do not need to be subjected to the extra expense of having to replace their electronics and jewelry on top of everything else. 

Floods and More 

Water damage can come from practically anywhere, and your insurance may not be able to cover all that you’ve lost. Even minor flooding can cause thousands of dollars of property and structural damage, and it can be a shock for those who receive the direct bills. Insurance that covers more than just the standard ‘legal’ bare minimum is often necessary to ensure that you keep your home and your bank account from taking a major hit. 

All About Insurance Inc in Caldwell, ID has agents who can make your choices easier, and help you figure out where your insurance may have some gaps that need to be addressed before you settle on a final policy. Give us a call today for more information, or for a quote. 

 

The Many Kinds of Commercial Insurance

If you run a business in and around Caldwell, ID, you are able to find all sorts of different commercial insurance options. Of course, there are dozens of different commercial offerings, so looking at what might prove beneficial to your business is important. No matter the kind of business you run, there is always some form of insurance you can implement to better cover your company and employees. All About Insurance Inc is able to assist you with finding the right form of insurance that will protect your business assets.

Workers Compensation Insurance

This covers a worker if they are injured working on the job. It doesn’t cover injuries if they were neglecting safety rules or if they were horse playing inside of the facility. However, in almost all other cases they are protected and the workers’ compensation pays for their time away from work. 

Directors and Officers Liability Insurance

This is used for larger corporations. Should a lawsuit not necessarily come after the business but instead members on the board of directors, this insurance coverage helps cover the cost of lawsuits when the suit comes up. 

Auto Insurance

Commercial auto insurance is different from traditional auto insurance. If you use your car for business you may need to cover your vehicle with commercial insurance as well. Make sure to talk this over with the All About Insurance Inc representatives to ensure you know whether it is needed for your business. 

Liability Insurance

If someone sues your business for a variety of reasons, from slipping on a sidewalk in front of the building to saying they were injured using your products, liability insurance protects you and your company. It helps cover the cost of the lawsuit so everything does not come out of pocket. 

3 Ways to Reduce the Rates on Your Auto Insurance

Auto insurance is something you have to have, but it doesn’t mean you have to spend a fortune on it. Along with doing a little research and comparing quotes from a few different companies, there are several ways you can save money your insurance policy. Here are only three of the possible ways to reduce the rates on your auto insurance.

Bundle Policies

Not only should you research discounts for multi-vehicle policies, but you should consider bundling all of your insurance policies. Most insurance carriers offer both auto and home insurance, and will discount the premium if you insure both your home and auto with them. If you don’t own your home, but have renters insurance and/or life insurance, talk with your insurance carrier about bundling these policies with your auto insurance.

Good Driving Record

Providing coverage for high-risk drivers can be risky, primarily because insurance carriers think these drivers have a tendency to be involved in accidents. Based on this theory, high-risk drivers tend to pay more, without discounts. If you are considered a good driver, meaning you do not have a history of accidents, driving while intoxicated or have not been cited for a serious traffic violation, such as reckless driving or speeding, you may qualify for a good driver discount.

Low Mileage Discount

One of the most common types of discounts, yet not many people known to ask about is a low mileage discount. If you can prove to your insurance carrier that you drive less than the average driver, you may qualify for a discount. For example, if you only drive a couple of miles between work and home, you share a ride with co-workers or you have a vehicle that is only used during the summer.

You might be missing out on several discounts you didn’t even know about, but the only way to find out is to ask. The easiest way to find out if there are any discounts you qualify for that can reduce your auto insurance rates is to ask your carrier. You may be paying too much for auto insurance without even knowing it.

Residents of Caldwell, ID interested in learning more about auto insurance discounts or if you need a new policy, contact All About Insurance Inc.

AC Maintenance: Why It’s Important In Idaho

When you’re a homeowner, you have to be sure you are maintaining the various systems of your home. Your AC is critical as it’s going to keep you cool in the summers and warm in the winters. A little bit of maintenance can go a long way in Idaho.

Properly Functioning System

You want to make sure that you have a properly functioning system so that your home is comfortable all year long. You don’t want to run into any problems when you are ready to turn on the air conditioning during the hottest day of the summer or the heat during the coldest day of the winter.

Saves Money Over Time

An air-conditioning system can be a major expense. You don’t want to replace it any time in the near future, which means you need to be a responsible homeowner and ensure that you are air-conditioning system is being checked on at least once a year so that repairs can be made quickly.

Reduces the Cost of Electricity

When your system is running properly, it is going to take less energy for it to work. If your system is not calibrated or there are other problems, it may run for longer periods of time in order to reach the proper temperature. This could end up costing you more money every single month on your electric bills, which can add up to a significant amount of money by the end of the year.

Various AC repair companies will offer you maintenance plans that are affordable. They will visit 2 to 3 times a year and ensure that everything is working properly.

Learn more about home insurance by contacting us at All About Insurance Inc today. Our agent can ensure you have the right policy to protect your home in Caldwell, Idaho.

 

 

Why Life Insurance is Just as Important as Savings

Financial planning isn’t just about building up savings accounts and smart investing. It’s also about building the resources needed so that one doesn’t have to worry in the future. The typical categories of financial planning include both short-term and long-term components. The short-term category focuses on immediate liquidity. That includes an emergency savings account (usually 3-6 months of income) to deal with unexpected crises, a regular savings account, short-term speculative investing for profit, saving for a home down payment, and regular investing.

Long-term planning is another matter entirely. It involves planning for the next 20-40 years of living as well as taking care of loved ones afterwards. This includes built up investments for long-term return, savings, investments for value and safety, retirement planning and estate planning.

However, one aspect that can pop up at any time is the risk of a big accident or loss. This can be particularly acute when a family has a single-income earner. If he or she passes away, without access to immediate resources through life insurance bad things can happen. And everything one has worked for in the short and mid-term can be lost immediately as well.

This is where life insurance planning comes in. It builds and maintains the safety net one needs between short-term and long-term financial planning. And life insurance takes care of the risk in case the unexpected occurs, ensuring that loved ones don’t lose what has been earned so far, and are taken care of until they can get on their own feet financially. In this respect, life insurance is just as important to a family’s welfare as having a will and estate plan. There are simply too many ways everything worked for can be lost without a good life insurance plan in the background. And All About Insurance Inc. can help craft the ideal package for your family and needs.

What You Need to Know About Commercial Insurance in Millersville

Commercial insurance is sometimes seen as just a hassle for property owners and leasers, but can’t be taken lightly. People can know everything there is to know about their industry, but if they suffer an event that isn’t covered by their insurance, they may still go under. Here’s what you need to know before you decide on a policy. 

Coverage Matters

If you ask people who have standard insurance policies if their establishment is covered from flood, earthquake or windstorm, they’ll probably say yes. However, chances are they aren’t, and didn’t realize they needed additional provisions if they wanted it. Sometimes it only takes a little bit of water or wind to cause expensive damage, so this isn’t a weather woe to dismiss. The good news is most standard policies do cover many common events, but you’ll still need to account for additional circumstances that may befall your business. 

Protecting Your Business 

Commercial insurance is not like home insurance in that you rely on the property to make you money. Beyond just making the repairs, you need someone who can get reparations for you quickly so you’re back up and running for the sake of your customers and your reputation.  The right commercial insurance is the kind that will allow you to breathe easy at night. You won’t have to worry about potential ruin because of one bad forecast or litigation-happy customer. 

Choice and Consequence 

It’s not going to be easy to pick between your options for policies, which is why All About Insurance Inc. helps the people of Caldwell, ID make sense of what’s available to them. Calling on us means making a smart choice for your future, so contact us if you need more information or a quote!

Car Cleaning Hacks

Everybody likes a clean car but not everyone likes actually cleaning their car. Once it gets to a certain point of dirty, it can seem like it will take forever to get it clean and most people do not want to take the time to do that. In fact, even when it is cleaned, many people only stick to the basic cleaning areas like the outside and maybe the inner carpet. To really get your car clean, though, you should take advantage of some of these easy hacks. You will be amazed at the difference in the end.

  • Wipe down your dashboard for a quick clean. Your dashboard can get dusty pretty fast. Easily clean it up with a quick wipe down with a damp washcloth. If you have some stubborn dirt, add some mild dish soap. Once you are done, wipe it again with a dry dish cloth to make sure no moisture is left behind. 
  • Remove stubborn bugs from the front of your car. Even with a quick washing, bugs still remain on your car. Instead of spending your money on harsh chemicals that can ruin your paint finish, use a washing mit and a good amount of water and car soap to wipe in circles around the bug areas. With a little elbow grease, the bugs will be gone in no time.
  • Clean your headlights. When your headlights get cloudy and yellow, you can easily clean them with some toothpaste and a wash cloth. Wipe the toothpaste on the headlight and watch as it gets clean in no time. Rinse it with water and you are done! You will be able to see better at night and your car will look better. 

Contact us at All About Insurance Inc to make sure you have a great auto policy to protect you and your clean car. 

5 Tips to Reuse Cleaning Supplies in Caldwell

Your cleaning supplies should get a good work-out on a regular basis, but are you really getting the most out of them? If you’re only used to using them for their designated purposes, then maybe it’s time you think outside the label. Here are 5 tips to get more. 

Denture Tablets In the Bathroom 

The bubbles created by them works air into tight places, so they can actually be broken in half and dropped down a blocked drain. 

Window Washing Fluid In the Living Room

If your kid wiped his dirty hands on your newly upholstered chair, you can actually break out the window washing fluid if you’re out of stain treatment. Just spray and rub in with a soft-bristled brush. 

Soap As a First Aid Tool

Liquid dish soap can be used if your kid skins his knee both to clean it up or as an ice pack. If you put soap into a sealed bag to freeze, it actually lasts longer because of its melting point.

Window Washing Fluid As a Pest Controller 

These are actually good pest controllers too, though it doesn’t eliminate the process of chasing after the winged ones. Spray them down, clean up the mess and then get them out of your house. 

Soap In the Garage 

Grease comes in all forms, and soap works in the same way on everything it comes in contact with. Fill up a bucket and get those oily concrete floors clean again. 

Cleaning your home and unclogging your drains are all sound home practices, but finding the right home insurance is just as important for all of life’s unexpected events. All About Insurance Inc serves Caldwell, ID and finds policies that work for you. Give us a call today for a quote.