by benpage1974 | May 25, 2023 | Home Owners
A torrent of rain hit Idaho Falls just yesterday, turning streets into rivers and basements into water reservoirs. Flash floods, unexpected and swift, are a reality across Idaho, Wyoming, and Utah. Many homeowners, however, find themselves unprepared and unprotected. That’s where Inland Flood Coverage comes in.
Bridging the Gap in Flood Coverage
Standard homeowners’ insurance policies typically don’t cover damage caused by flooding. While they protect against issues originating within the home, such as a burst pipe, they often exclude water damage caused by external events like rivers overflowing their banks or flash flooding. This coverage gap can lead to significant out-of-pocket expenses for homeowners.
The Costly Limitations of the National Flood Insurance Program (NFIP)
The National Flood Insurance Program (NFIP), managed by the Federal Emergency Management Administration (FEMA), has been the traditional option for flood coverage. However, NFIP coverage can be expensive and often falls short of meeting the needs of homeowners in low-to-moderate flood-risk zones. High premiums, deductibles, and limitations on what is covered can leave homeowners seeking more comprehensive options.
Introducing Inland Flood Coverage: Tailored and Affordable
Inland Flood Coverage is specifically designed to fill the flood coverage gap in standard homeowners’ insurance. Unlike the NFIP, Inland Flood Coverage provides affordable and comprehensive protection for homeowners in low-to-moderate flood-risk zones.
Inland Flood Coverage includes:
- Buildings: Provides coverage for your main house and other structures on your property.
- Contents: Protects your personal belongings, even those located in the basement, an area often excluded by standard flood insurance.
- Additional Living Expenses: This covers the costs of temporary accommodation if your home becomes uninhabitable due to a flood.
- Property Relocation: Some policies even cover the expenses associated with moving your property to safety in the event of a flood.
- Debris Removal: Helps with the costs of removing flood debris from your property.
Coverage options and premiums may vary among insurance companies. That’s why it’s essential to consult with your Page Insurance agent. We can provide guidance and help you navigate the options to find the best coverage tailored to your specific needs.
Note: Other optional coverages like ‘sewer backup’ and ‘water backup.’ Policies aren’t milk – where they’re basically the same everywhere you go. They need to be personalized to what you want. The Page team can help!
Taking the Next Steps: Protecting Your Home with Inland Flood Coverage
To add Inland Flood Coverage to your homeowners’ insurance policy, follow these steps:
- Consult with your Page Insurance agent: We’re here to discuss your needs and guide you through your options, ensuring you understand the details of Inland Flood Coverage.
- Policy Review and Amendment: If you decide to add this coverage, we will review your current policy and initiate the amendment process to include Inland Flood Coverage.
- Start or Renewal Time: The most straightforward time to add this endorsement is when you’re starting a new policy or during the policy renewal period. However, it can typically be added at any time during the policy period.
- Stay Informed: Thoroughly read your policy and ask questions to ensure you understand the coverage details.
Don’t Wait Until It’s Too Late
Just one inch of water in a home can cause more than $25,000 in damage, according to the National Flood Insurance Program (NFIP). With the intensifying weather patterns due to climate change, the risk of flood events is increasing. It’s crucial not to overlook the importance of protecting your home.
The recent flash floods in Idaho Falls serve as a stark reminder that floods can happen unexpectedly, anywhere, and at any time. Inland Flood Coverage provides the protection you need to weather these storms.
Your Page Insurance agent is ready to assist you in finding the right coverage for your needs. If coverage against flooding is something you’d like to further explore, contact us today!
Click Here to Contact Us
by benpage1974 | Apr 18, 2023 | Fun Stuff
Life is full of unexpected events, some good and some not so good. Have you ever wondered about the odds of certain things happening to you? In this blog post, we’ve compiled a list of 100 surprising statistics about the odds of various events occurring in your life. Some of these might be more common than you think, while others are quite rare. Read on to discover the odds of everything from being struck by lightning to winning the lottery.
- Dying in a car accident (lifetime): 1 in 103 (National Safety Council)
- Drowning (lifetime): 1 in 1,121 (National Safety Council)
- Contracting the flu (annual): 1 in 10 (CDC)
- Being diagnosed with diabetes (lifetime): 1 in 10 (American Diabetes Association)
- Becoming a victim of identity theft (annual): 1 in 15 (Bureau of Justice Statistics)
- Getting divorced (lifetime): 1 in 2 (CDC)
- Being born with a birth defect (lifetime): 1 in 33 (March of Dimes)
- Developing cancer (lifetime): 1 in 3 (American Cancer Society)
- Having your home catch fire (lifetime): 1 in 3 (National Fire Protection Association)
- Being diagnosed with an autoimmune disease (lifetime): 1 in 13 (American Autoimmune Related Diseases Association)
- Getting injured by fireworks (annual): 1 in 19,556 (National Safety Council)
- Dying from a bee, hornet, or wasp sting (lifetime): 1 in 59,507 (National Safety Council)
- Surviving a plane crash (lifetime): 1 in 29.4 million (PlaneCrashInfo.com)
- Being diagnosed with multiple sclerosis (lifetime): 1 in 350 (National Multiple Sclerosis Society)
- Having a child with autism (lifetime): 1 in 54 (CDC)
- Dying from a venomous animal bite (lifetime): 1 in 99,000 (National Safety Council)
- Dying in a tornado (lifetime): 1 in 60,000 (National Oceanic and Atmospheric Administration)
- Dying from an asteroid impact (lifetime): 1 in 74,817 (NASA)
- Developing Alzheimer’s disease (lifetime): 1 in 10 (Alzheimer’s Association)
- Dying from an airplane accident (lifetime): 1 in 205,552 (National Safety Council)
- Getting audited by the IRS (annual): 1 in 161 (IRS)
- Getting food poisoning from a restaurant (annual): 1 in 6 (CDC)
- Dying from a drug overdose (lifetime): 1 in 70 (National Institute on Drug Abuse)
- Developing Parkinson’s disease (lifetime): 1 in 100 (Parkinson’s Foundation)
- Dying in a flood (lifetime): 1 in 30,000 (National Oceanic and Atmospheric Administration)
- Dying in a car accident (lifetime): 1 in 107 (National Safety Council)
- Dying from a dog attack (lifetime): 1 in 112,400 (National Safety Council)
- Being a victim of identity theft (annual): 1 in 20 (Javelin Strategy & Research)
- Dying from hypothermia (lifetime): 1 in 7,770 (National Safety Council)
- Developing lupus (lifetime): 1 in 210 (Lupus Foundation of America)
- Dying in a volcanic eruption (lifetime): 1 in 14,000 (US Geological Survey)
- Dying from a snakebite (lifetime): 1 in 99,000 (National Safety Council)
- Being injured by a chainsaw (annual): 1 in 4,464 (Consumer Product Safety Commission)
- Dying in a boating accident (lifetime): 1 in 3,183 (National Safety Council
- Developing rheumatoid arthritis (lifetime): 1 in 28 (Arthritis Foundation)
- Dying from a lightning strike (lifetime): 1 in 138,849 (National Safety Council)
- Dying in a tornado (lifetime): 1 in 60,000 (National Oceanic and Atmospheric Administration)
- Dying from a spider bite (lifetime): 1 in 734,400 (National Safety Council)
- Developing multiple sclerosis (lifetime): 1 in 400 (National Multiple Sclerosis Society)
- Dying from a fall (lifetime): 1 in 127 (National Safety Council)
- Dying from a bicycle accident (lifetime): 1 in 4,047 (National Safety Council)
- Dying from a motorbike accident (lifetime): 1 in 846 (National Safety Council)
- Developing an autoimmune disorder (lifetime): 1 in 12 (American Autoimmune Related Diseases Association)
- Dying in a fire (lifetime): 1 in 1,474 (National Safety Council)
- Dying from a natural disaster (lifetime): 1 in 3,000 (United Nations Office for Disaster Risk Reduction)
- Dying from a venomous animal bite (lifetime): 1 in 99,000 (National Safety Council)
- Dying from a drug overdose (lifetime): 1 in 70 (National Institute on Drug Abuse)
- Dying in a flood (lifetime): 1 in 30,000 (National Oceanic and Atmospheric Administration)
- Dying in a boating accident (lifetime): 1 in 3,183 (National Safety Council)
- Dying from hypothermia (lifetime): 1 in 7,770 (National Safety Council)
These 100 surprising statistics offer a fascinating glimpse into the odds of various events happening in our lives. While some of these events may be relatively common, others are quite rare. It’s important to remember that these numbers are just averages and can vary based on individual circumstances. However, having a better understanding of the odds can help us make more informed decisions about our lives and the risks we choose to take.
Remember, when it comes to insuring your life and property, the team at Page Insurance is here to help you make the best decisions for your unique situation. Contact us today for a quote or to discuss your insurance needs.
Odds are you’re going to get a better deal by clicking here.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Apr 18, 2023 | Insurance Tips & Tricks
Hey there, fellow pet lovers! We know how much our pets mean to us, and we want to ensure they’re protected in case of accidents, illnesses, or routine check-ups. Did you know Americans spend over $29 billion annually on veterinary care? That’s where pet insurance comes in. At Page Insurance, we’ve got you covered with homeowners policies that can include pet insurance, as well as other options. We’re here to help you determine the best way to insure your pets, considering your specific circumstances and preferences. So, let’s dive into the wonderful world of pet insurance!
What on Earth is Pet Insurance, Anyway?
The basics of pet insurance
In simple terms, pet insurance is like health insurance for your pets. It helps cover the costs of veterinary care, giving you peace of mind and financial protection when your pet needs it most.
Different types of pet insurance coverage
1. Accident-only coverage: This is for when your curious furball (or feathered friend or scaly buddy) gets into a bit of trouble, like breaking a bone or eating something they shouldn’t have.
2. Accident and illness coverage: This includes accidents AND illnesses, such as cancer, diabetes, or allergies. It’s a more comprehensive option for protecting your pet’s health.
3. Wellness and preventive care coverage: This coverage helps with routine stuff, like vaccinations, dental cleanings, and regular check-ups. It’s a great way to ensure your pet stays happy and healthy!
Real-Life Example:
Max, the adventurous pup, broke his leg after jumping off the couch. His accident-only coverage saved his owner thousands of dollars in surgery and rehabilitation costs!
So, How Do I Choose the Right Pet Insurance for My Pet?
Assess your pet’s needs.
Look at your pet’s age, breed, and overall health. Are they prone to certain health issues? Do they have any pre-existing conditions? These factors can help you decide which type of coverage is best suited for your pet.
Compare different insurance providers.
Shop around! Look at different insurance companies and the plans they offer. Pay attention to details like coverage limits, deductibles, and reimbursement percentages.
Consider your budget
Pet insurance costs can vary widely. The average monthly premium for accident and illness coverage ranges from $25 to $50 for dogs and $15 to $25 for cats. Determine how much you’re willing to spend on a policy and find one that fits your budget without compromising coverage.
How Page Insurance Can Help You Make the Right Choice
Homeowners’ policies with pet coverage
Did you know that some homeowners’ policies can include pet insurance? We can help you explore this option and see if it fits you and your pet well.
Other insurance options
Suppose a homeowners policy isn’t your right choice; no worries! We have other options available to make sure your pet is protected.
Tailored advice for your unique situation
Page Insurance is here to help you determine the best way to insure your pets based on your circumstances and preferences. We’ll work together to find the perfect solution for you and your beloved pet.
Stat Alert: Over 2.43 million pets were insured in the United States in 2020, and that number continues to grow!
So there you have it, a friendly guide to pet insurance, complete with real-life examples and stats! Remember, Page Insurance is always here to help you make the best decisions for your furry, feathered, or scaly family members. We understand that every pet owner’s situation is unique, and we’ll work with you to find the ideal pet insurance solution.
No matter what type of pet you have or your budget, it’s essential to be prepared for the unexpected. By investing in pet insurance, you can ensure your beloved companion gets the care they need without breaking the bank.
So, what are you waiting for? Call or drop by our office, and let’s chat about the best pet insurance options for your precious pet. We’re here to ensure your pets are protected, happy, and healthy for many years!
Happy insuring, pet lovers! Sniff out the best deal here.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
by benpage1974 | Apr 18, 2023 | Fun Stuff
Idaho Falls is surrounded by beautiful landscapes, making it the perfect starting point for off-road adventures in your Jeep. (You know us Page boys love Jeeps!) In this blog post, we’ll share ten fun and challenging trails for Jeep enthusiasts to explore around Idaho Falls, along with some practical tips and mobile apps to help you find and enjoy these trails. So buckle up, and let’s hit the trail!
Kelly Canyon
Kelly Canyon is a scenic area with a variety of off-road trails suitable for all skill levels. The terrain is diverse, offering a mix of rocky sections, dirt roads, and steep inclines. Be prepared for some beautiful views of the surrounding mountains and forests.
Anthony Sand Dunes
Head to St. Anthony Sand Dunes for a thrilling off-road experience. This 10,600-acre playground of sand dunes offers challenging trails and stunning views of the desert landscape. Don’t forget to bring your sand flags and air down your tires for better traction in the soft sand.
Swan Valley – Palisades Area
Swan Valley and the Palisades area offer off-road trails with stunning views of the Snake River, Palisades Reservoir, and the surrounding mountains. The trail system has various difficulty levels, from accessible forest roads to challenging hill climbs.
Big Hole Mountains
The Big Hole Mountains are a fantastic destination for off-road adventures. The area has a vast network of trails, from easy forest roads to challenging, rock-strewn paths. Keep an eye out for wildlife, as the region is home to deer, elk, and moose.
Bone Road
Bone Road is a popular off-road destination near Idaho Falls, offering a variety of trails for all skill levels. The area features beautiful views, rolling hills, and plenty of opportunities for wildlife spotting.
Caribou-Targhee National Forest
The Caribou-Targhee National Forest has numerous off-road trails to explore, including Blackfoot River Road, Wolverine Canyon, and Dry Creek Road. You’ll encounter various terrains, from rocky sections to forested trails, providing plenty of challenges for your Jeep.
Hell’s Half Acre
Hell’s Half Acre is a unique volcanic landscape with rugged trails and fascinating geological features. This off-road destination offers a one-of-a-kind experience for Jeep enthusiasts, with challenging trails and awe-inspiring views of the volcanic landscape.
Pine Creek Pass
Pine Creek Pass is a beautiful off-road destination near Idaho Falls, offering a mix of easy and challenging trails. The area is particularly popular during the fall when the aspen trees turn brilliant gold, providing a stunning backdrop for your off-road adventure.
Tex Creek Wildlife Management Area
Tex Creek, Wildlife Management Area, offers off-road trails that wind through the rolling hills and sagebrush-covered terrain. The area is home to deer, elk, and other wildlife, making it an excellent destination for nature enthusiasts and off-road adventurers.
Teton Pass
Teton Pass is a high mountain pass that offers off-road trails with breathtaking views of the Teton Range. The trails here range from easy dirt roads to more challenging rocky sections, perfect for Jeep enthusiasts looking for a thrilling adventure.
Tips for Off-Road Adventures:
- Check weather conditions before you go: Before heading out on the trail, always check the weather forecast to avoid getting caught in unexpected storms or poor conditions.
- Pack essential gear: Bring recovery equipment like tow straps, a shovel, and a high-lift jack. Don’t forget a first aid kit, plenty of water, snacks, and a fully charged cell phone.
- Travel with a buddy: Whenever possible, travel with a friend or another vehicle, especially on remote trails. This ensures you’ll have assistance if you encounter any issues.
- Know your vehicle’s limits: Understand your Jeep’s capabilities and limitations, and don’t push it beyond what it can handle.
- Practice Leave No Trace principles: Stay on designated trails, pack out your trash, and leave the environment as you found it.
Mobile Apps to Help You Explore:
- Gaia GPS: Gaia GPS is an excellent app for off-road navigation, providing access to detailed maps, trails, and public land boundaries. The app allows you to download maps for offline use, making it perfect for remote areas without cell service.
- onX Offroad: onX Offroad is a popular off-roading app that helps you find trails, track your progress, and share your adventures. The app includes detailed maps with trail information, including difficulty ratings and seasonal access.
- AllTrails: AllTrails is a comprehensive app for finding trails and planning outdoor adventures. The app features off-road trails and allows users to read reviews, view photos, and save their favorite routes.
- Avenza Maps: Avenza Maps is a versatile mapping app that allows you to download maps for offline use. The app includes a variety of map sources, including USGS topographic maps, perfect for off-road navigation.
With so many incredible off-road trails to explore near Idaho Falls, it’s no wonder that the area is a paradise for Jeep enthusiasts. By following our practical tips and using helpful mobile apps, you can make the most of your off-road adventures. Grab your gear, pack up your Jeep, and head out to one of these fantastic off-road destinations for a day of adventure and fun. And remember, always practice responsible off-roading, stay on designated trails, and leave no trace behind. Happy trails!
Sid Page, the founder of Page Insurance, has over 40 years of experience in the industry. After working as a captive agent for a leading insurance corporation, he established Page Insurance in 1998. Specializing in Property & Casualty and Life, Health, and Disability insurance, Sid has received numerous awards for his client-first approach and community involvement. Passionate about meeting new people, Sid enjoys golfing, fishing, and spending time in the Tetons. He cherishes his family, including his wife, sons at Page Insurance, and beloved grandchildren.
by benpage1974 | Apr 18, 2023 | Insurance Tips & Tricks
Starting a business in Idaho, Utah, or Wyoming is an exciting and rewarding journey. With careful planning and preparation, you can increase your chances of success and pave the way for a thriving enterprise. This how-to guide provides you with a roadmap and resources to help you navigate starting a business in these states.
Create a Robust Business Plan
A strong business plan serves as the foundation for your venture. It helps you define your goals, strategies, and potential challenges and acts as a roadmap for growth. A comprehensive business plan includes an executive summary, company description, market analysis, organization and management structure, product or service line, marketing and sales strategies, funding requirements, and financial projections. Resources like the U.S. Small Business Administration (SBA) offer templates and guidance to help you create a solid business plan.
Seek Professional Guidance
Successful entrepreneurs understand the importance of seeking professional guidance. As a business owner, you need to focus on your area of expertise and delegate other aspects of your business to professionals. Consult with bookkeepers, attorneys, and other experts to ensure your business is set up for success. These professionals can help you make informed decisions about your business structure, registration, taxes, etc.
Choose the Right Business Structure
Your business structure affects your legal liabilities, tax obligations, and operational flexibility. Common structures include sole proprietorship, partnership, limited liability company (LLC), and corporation. Each structure has its advantages and disadvantages, so it’s important to carefully consider which is best for your specific situation. The SBA and SCORE websites provide resources and guidance on choosing the proper business structure.
Register Your Business
Once you’ve chosen your business structure, register your business with the appropriate state authorities. Each state has its own registration requirements, so follow the guidelines for Idaho, Utah, or Wyoming. The state government websites provide resources and guidance for business registration.
Register a business in Idaho:
Idaho Secretary of State – Business Entity Registration:
https://sos.idaho.gov/corp_ucc/
Register a business in Utah:
Utah Division of Corporations & Commercial Code – Business Entity Registration:
https://corporations.utah.gov/business/registration.html
Register a business in Wyoming:
Wyoming Secretary of State – Business Division:
https://sos.wyo.gov/Business/Default.aspx
Obtain an Employer Identification Number (EIN)
An EIN is a unique identifier the Internal Revenue Service (IRS) assigns to your business. It’s required for tax purposes, and you’ll need it when applying for business licenses and permits, opening bank accounts, and hiring employees. You can apply for an EIN online through the IRS website.
https://www.irs.gov/businesses/small-businesses-self-employed/apply-for-an-employer-identification-number-ein-online
Secure Licenses and Permits
You may need various licenses and permits to operate legally, depending on your industry. These may include state and local licenses, professional licenses, and health and safety permits. The SBA website provides a comprehensive list of federal, state, and local licenses and permits and resources for obtaining them.
Establish Your Financial Infrastructure
It’s essential to keep your personal and business finances separate. Open a dedicated business bank account and consider obtaining a business credit card. Implement bookkeeping and accounting systems to track your income and expenses, and consider using financial management software like QuickBooks or Xero. The SBA and SCORE websites offer resources for setting up and managing your financial infrastructure.
Obtain Business Insurance
Business insurance is crucial to protect your assets, employees, and customers. Common types of insurance include general liability, property, workers’ compensation, and commercial auto insurance. For guidance on the best insurance coverage for your business, contact Page Insurance. We offer tailored insurance solutions for businesses in Idaho, Utah, and Wyoming.
Develop Your Brand Identity
Your brand is the face of your business and should reflect your company’s values, personality, and offerings. Create a memorable logo, choose your brand colors, and develop a consistent visual identity across all marketing materials. Resources like Canva and Fiverr can help you create professional and visually appealing branding elements.
Build a Strong Online Presence
In today’s digital age, having a strong online presence is essential for any business. Start by creating a user-friendly and mobile-responsive website. Platforms like Wix, Squarespace, and WordPress make building and managing a professional website easy without extensive technical knowledge. Next, establish your presence on social media platforms relevant to your target audience. Engage with your followers, share valuable content, and use social media advertising to reach potential customers.
Create Marketing and Sales Strategies
To drive growth, you need effective marketing and sales strategies. Identify your target audience, research competitors, and establish your unique selling proposition (USP). Develop a multi-channel marketing plan, including digital content, email, and traditional advertising. For sales, create a sales process that aligns with your target audience’s preferences and needs. The SBA and SCORE websites provide resources to help you develop and implement successful marketing and sales strategies.
Network and Join Professional Associations
Networking is crucial for business growth and success. Join local chambers of commerce, industry-specific associations, and networking groups to connect with other business owners, potential customers, and industry experts. These organizations can provide valuable support, resources, and insights to help your business thrive.
Stay Compliant with Tax and Legal Obligations
As a business owner, you must stay current with your tax and legal obligations. Ensure you file your business taxes on time, comply with employment laws, and renew your licenses and permits as required. Consult with your bookkeeper, accountant, and attorney to ensure your business remains compliant.
We’re Here for You
Starting a business in Idaho, Utah, or Wyoming is a challenging but rewarding experience. Following this comprehensive how-to guide, you’ll be well-equipped to navigate the process and set your business up for success. Remember, Page Insurance is here to help with all your insurance needs, ensuring your business is protected and allowing you to focus on what you do best.
Ben Page, a Business Development specialist with over 20 years in the insurance industry, is an expert in Property & Casualty, Life, Health, and Disability insurance. Ben is licensed in all 50 states and dedicated to empowering clients with insider knowledge and making insurance more accessible. Passionate about client-centric service, he has helped build several successful insurance agencies. Ben enjoys Jeeps, Rock and Roll, cheese, movies, and spending time with his wife, three kids, and their golden doodle when not working.
Recent Comments