by benpage1974 | Apr 18, 2023 | Insurance Tips & Tricks
Insurance policies protect individuals, businesses, and assets from unforeseen events and accidents. However, with so many types of insurance policies available, it can be challenging to determine which policies are necessary and what coverage is required. We will explore the various types of insurance policies available in the USA and help you understand which policies may be right for you.
Personal Insurance
Personal insurance policies protect individuals and their assets from financial losses due to accidents or unforeseen events. Some of the most common personal insurance policies include:
- Auto Insurance
- Liability coverage – protects you from financial losses due to damages or injuries caused by you in an accident.
- Collision coverage – covers the cost of repairing or replacing your vehicle in case of an accident.
- Comprehensive coverage – covers damages caused by non-collision incidents, such as theft or natural disasters.
- Uninsured/underinsured motorist coverage – protects you from financial losses if you’re in an accident caused by a driver with insufficient insurance coverage.
- Homeowners Insurance
- Dwelling coverage – covers damages to your home’s structure caused by covered events.
- Personal property coverage – covers the cost of replacing personal property that is lost, stolen, or damaged.
- Personal liability coverage – protects you if someone is injured or their property is damaged while on your property.
- Additional living expenses coverage – covers temporary living expenses if you can’t live in your home due to a covered event.
- Renters Insurance
- Personal property coverage – covers the cost of replacing personal property that is lost, stolen, or damaged.
- Liability coverage – protects you if someone is injured or their property is damaged while on your rented property.
- Additional living expenses coverage – covers temporary living expenses if you cannot live in your rented property due to a covered event.
- Life Insurance
- Term life insurance – provides coverage for a set period.
- Whole life insurance – provides lifetime coverage and accumulates cash value over time.
- Universal life insurance – provides lifetime coverage and flexibility in premium payments and death benefits.
- Health Insurance
- Individual health plans – provide coverage for medical expenses for individuals.
- Employer-sponsored health plans – provides health insurance coverage for employees.
- Medicare – provides health insurance coverage for people over 65 or with specific disabilities.
- Medicaid – provides health insurance coverage for people with limited income and resources.
- Disability Insurance
- Short-term disability insurance – provides coverage for a limited time if you cannot work due to a covered illness or injury.
- Long-term disability insurance – provides coverage for an extended period if you can’t work due to a covered illness or injury.
- Long-Term Care Insurance
- Personal Umbrella Insurance – provides additional liability coverage beyond the limits of your other insurance policies.
- Landlord Insurance – provides coverage for property owners who rent their property to tenants.
Business Insurance
Business insurance policies protect businesses from financial losses due to unforeseen events or accidents. Some of the most common business insurance policies include:
- General Liability Insurance – protects businesses from financial losses due to claims of injury or property damage caused by their products, services, or operations.
- Professional Liability Insurance
- Errors and omissions insurance – protects businesses from financial losses due to claims of negligence or errors in their professional services.
- Directors and officers liability insurance – protects directors and officers of a company from financial losses due to lawsuits or legal actions taken against them.
- Commercial Property Insurance – protects businesses from financial losses due to damage or destruction of their property.
- Business Interruption Insurance – covers financial losses due to disruptions in business operations caused by covered events.
- Workers’ Compensation Insurance – provides coverage for employees who suffer work-related injuries or illnesses.
- Commercial Auto Insurance – provides coverage for vehicles used for business purposes.
- Cyber Liability Insurance – protects businesses from financial losses due to data breaches or cyber-attacks.
- Employment Practices Liability Insurance – protects businesses from financial losses due to claims of wrongful termination, discrimination, or harassment by employees.
- Product Liability Insurance – protects businesses from financial losses due to claims of injury or damage caused by their products.
- Business Owners Policy (BOP) – a package policy that combines several insurance policies, including property, liability, and business interruption insurance.
- Builder’s Risk Insurance – covers buildings under construction from damage or loss.
- Surety Bonds – provides financial protection to businesses or individuals entering a contract, ensuring they fulfill their obligations.
- Excess Liability Insurance (Commercial Umbrella Insurance) – provides additional liability coverage beyond the limits of your other insurance policies.
Specialty Insurance
Specialty insurance policies are designed to protect specific assets or situations. Some of the most common specialty insurance policies include:
- Flood Insurance – provides coverage for damages caused by floods.
- Earthquake Insurance – provides coverage for damages caused by earthquakes.
- Pet Insurance – provides coverage for veterinary expenses for pets.
- Travel Insurance – provides coverage for medical expenses, trip cancellations, or interruptions while traveling.
- Wedding Insurance – covers expenses related to wedding cancellations, postponements, or damages to wedding property.
- Event Insurance – covers events, such as concerts or festivals, from liability or property damage claims.
- Boat and Watercraft Insurance covers boats and watercraft from damages or liability claims.
- Recreational Vehicle Insurance
- Motorcycle insurance – provides coverage for motorcycles.
- ATV insurance – provides coverage for all-terrain vehicles.
- RV insurance covers recreational vehicles, such as motorhomes or trailers.
Choosing the right insurance coverage can be overwhelming, but protecting yourself, your assets, and your business from financial losses is essential. Consulting with an insurance professional can help you navigate the various policy options and ensure you have the coverage you need. Page Insurance offers a range of insurance policies to meet your needs, including personal, business, and specialty insurance. Contact us today to learn more about how we can help protect you and your assets.
If you’re ready to explore options, click 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 | Mar 24, 2023 | Insurance Tips & Tricks
Welcome to a Better Insurance Experience
All things insurance doesn’t have to be such a pain! We think you’ll love the unique advantages of having all of your insurance with Page.
Key Focus Areas
At Page, we help you with EVERYTHING insurance – including these three things:
- You can more easily figure out which policies and coverages you want – access it all in one place
- Our team of experts will do the shopping for you among our curated powerhouse group of incredible companies.
- You never have to start over! We’re here to re-shop and help you with all aspects of insurance – anytime.
(Claims, service, changes, re-shopping, billing, mobile apps, coverage reviews, etc.)
The Uninformed Shopper Problem
It’s no secret that many insurance companies take advantage of customers who don’t fully understand their options – or go it alone. They often offer policies with less coverage, using cute mascots and funny ads to appeal to your emotions, not your logic. Here are some common pitfalls uninformed customers might face:
- Not understanding the risks they face
- Being uninformed about the coverage options
- No strategy for allocating the insurance budget
- Confused by industry jargon and policy details
- Loyalty to an insurance company costs them in the long run
Page to the Rescue
To tackle these challenges, Page offers a comprehensive, friendly approach:
Identifying Your Needs
We’re here to help you determine the right policies, coverage, and limits for your unique situation. Our expert guidance ensures you understand your options and make informed decisions.
Finding the Best Insurance Company
As an independent agency, we work with dozens of the best companies with hundreds of programs and thousands of incredible products. We’ll help you shop around and provide objective advice on the pros and cons of each option, finding the perfect match for you.
Ongoing Support and Service
With a blend of human expertise and cutting-edge technology, Page offers the best of both worlds. Enjoy access to client portals, 24/7 service hotlines, and your dedicated service team.
How Page Makes Money
Page is an independent insurance agency that no insurance company owns or controls. We have contracts with companies that pay us a small sum per policy, allowing us to offer our services to you for free. This saves the insurance company a TON of money because they don’t have to advertise or maintain expensive offices/staff for sales. These savings are passed on to you.
Everyone wins (except the advertisers and the mascots)!
Reaching Out is a Breeze
Contacting Page is easy – chat, email, phone, text, or Zoom. We’ll gather your information quickly and securely; our experts and tech will shop for the best deals for you. We’ll share our findings, and you can take your time to decide. Once you’re ready, we’ll handle everything, including switching your policies and providing ongoing support.
Side Note: We specialize in people and businesses that are located in Idaho, Utah, and Wyoming. If that’s not you, please send us a note anyway and let us know which state you’re in! We’d love to hear from you.
Reach out to us today and discover how we can help you save money while helping you make sure it’s all personalized for your wants/needs. Click here to get started.
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 | Feb 11, 2022 | Insurance Tips & Tricks
The Hidden Gem: Independent Insurance Agencies
Here’s the big secret: finding and using a top-notch independent insurance agency will make your insurance journey smooth and hassle-free.
So, What is an Independent Insurance Agency?
Many U.S. households and businesses have discovered the magic of independent agencies and swear by them. In fact, about 75% of business owners and 35% of consumers choose Indies for their insurance needs. Yet, that still leaves many people unaware of the benefits.
Independent agencies, or Indies, are not controlled by a specific insurance company, but they have the same power as any agent to serve you. The best part? They usually have access to a wide range of companies and products.
Why Indies are Under the Radar
You might be wondering why, if Indies are so fantastic, more people don’t know about them. It’s simple: Indies don’t spend much on advertising. They rely on delivering top-notch results and word of mouth from satisfied clients. So, the fact that millions have found and stuck with Indies is a testament to their value.
The Buzz Around Indies: What Makes Them Stand Out?
Here’s what makes the best Indies truly special:
- No more shopping for companies one by one
- Objective advice from licensed experts who care
- Ongoing service & advocacy so you’re never alone
- Saving time, energy, and money by letting them handle things
- Access to unique products & programs
How Page Insurance Takes It Up a Notch
While the Indies are awesome, finding a good one can be tricky. That’s where Page Insurance comes in. We take the best practices of Indies and marry that with client-centric practices that are rare in the industry, such as:
- One-stop shop for consumers and business owners
- A team of experts working for you, not just one person
- One key contact to coordinate everything and make it easy
- Expertise in both personal and commercial insurance
- The perfect blend of people and technology
However, we’re best suited for those who live in Idaho, Utah, or Wyoming and meet certain criteria like owning a home and having a good credit history.
Essential Policies for Most People
We’ll help you tailor your coverage, but it’s good to know some common policy types for individuals:
- Personal Auto
- Homeowners and Renters
- Umbrella
- Term Life
- Health (& Dental/Vision)
- Disability
- ATVs, RVs, Boat, Classic Auto, Pet Insurance
Essential Policies for Many Small Businesses
As a business owner, it’s crucial to protect your venture. Here are some key insurance policies to consider:
- General Liability Insurance
- Professional Liability Insurance (Errors and Omissions)
- Workers’ Compensation
- Commercial Property Insurance
- Business Owners Policy (BOP)
- Commercial Auto Insurance
- Cyber Liability Insurance
Don’t worry about the cost! We’ll help you get the coverage you need within your budget, often improving coverage while lowering overall costs.
So, are you ready to discover the magic of independent agencies and see how Page Insurance can make your insurance experience a breeze? Give it a try, and you’ll soon see the difference!
The #1 insurance shopping secret is out: finding a reliable independent insurance agency can revolutionize your insurance experience. With Indies, you’ll enjoy a wealth of options, personalized advice, and ongoing support. Page Insurance takes the concept even further, providing top-notch service tailored to your needs, whether you’re an individual or a small business owner.
Why not give Indies a shot and uncover the perks of independent agencies for yourself? Join the millions of satisfied clients who’ve already discovered the magic of Indies and Page Insurance. Your insurance journey will never be the same!
If you’re curious or ready to find your best deal, click 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 | Feb 11, 2022 | Funny Ads Archive
This is dedicated to all of our long-hauler friends. We love you and appreciate all you do.
by benpage1974 | Feb 11, 2022 | Funny Ads Archive, Uncategorized
Another fun video to make! It was all homemade – as is pretty obvious (lol!). Someday we plan to do this concept again but bring a higher production value to it.
While our video-making skills might be questionable, we know what we’re doing when it comes to helping people with their insurance!
We’re always here for you.
by benpage1974 | Feb 11, 2022 | Funny Ads Archive, Uncategorized
One of the first videos we ever made. Sid was in his 20s throughout the 70s. With no real pics of him through this time, we had to recreate his look.
It doesn’t seem fair that some of these big-mega-corporation insurance companies should have all the fun with ‘characters.’ We keep thinking we’ll revive the 70s Sid character. Someday…
by benpage1974 | Feb 11, 2022 | Funny Ads Archive, Uncategorized
Yikes! Crazy stuff happens. Be careful out there.
by benpage1974 | Feb 11, 2022 | Funny Ads Archive
It’s a mistake to keep these on our website. I know it. Still, I guess I’m missing the don’t-do-dumb-stuff-that-will-embarrass-you-and-your-family gene. I do have the oh-well-lets-have-some-harmless-fun-while-we’re-on-planet-earth gene.
The movie Avatar (2009) was almost as ground-breaking as The Matrix when it came out. The visuals and the story took us into another world, one we could almost imagine being real – if not just in a virtual world we all plug into someday (*nod to all the dreamers and fellow geeks out there).
It left me wishing I could live another life – one where I could make movies. John and Sid pointed out that we could record some stuff on these things called “smartphones” and upload it all to a deal called Youtube. Seems like it was so long ago now, but it was just a little over a decade ago.
John picked up a camera and let me indulge myself for better or worse – probably worse. 
See what you think.
by benpage1974 | Feb 11, 2022 | Uncategorized
Hey there, fellow insurance shoppers in Idaho, Utah, and Wyoming! Before we dive into our top three favorite auto insurance companies for the typical personal auto insurance shopper we encounter, it’s essential to understand that each insurance company has unique strengths. The perfect fit for you may vary depending on your risk profile and coverage needs. In fact, every single company we work with is our favorite for specific situations—that’s why we partner with them! However, Auto-Owners, Safeco, and Progressive stand out as solid choices for a wide variety of our shoppers. Let’s explore what makes these carriers so great!
Auto-Owners
Auto-Owners is a regional company that has been around since 1916. With an A++ (Superior) rating from AM Best, they have proven time and time again that they provide excellent coverage and handle claims exceptionally well. They’re often the perfect choice for homeowners and business owners in Idaho, Utah, Wyoming, and surrounding states.
Why we love Auto Owners:
- They keep their rates low by only operating in lower-risk states and relying on word-of-mouth advertising.
- They’re not for everyone but are often unbeatable when your risk profile matches what they’re good at.
- They have a wide array of insurance products, including various business policies.
- They partner with a select few agencies to maintain high standards of excellence.
- They offer multiple discounts, such as multi-policy and safe driving discounts.
Safeco
Safeco, a nationwide company and a member of Liberty Mutual Group, has been protecting customers since 1923. They have an A (Excellent) rating from AM Best, demonstrating their financial strength and commitment to serving their clients. Safeco is tech-savvy, offering an easy-to-use app, and they handle claims efficiently.
Why we love Safeco:
- They offer competitive rates, often coming in strong when Auto-Owners doesn’t.
- Their various products make them an excellent option for different insurance needs.
- They’re well-established in Idaho, Utah, and Wyoming, understanding the unique needs of these areas.
- They provide numerous discounts, including telematics-based discounts for good driving and bundling policies.
- Their 24/7 claims service ensures a quick and efficient process.
Progressive
Progressive, another nationwide company, has grown significantly since its founding in 1937. With an A+ (Superior) rating from AM Best, Progressive has proven to be a reliable choice for many customers. They’re particularly strong with recreational vehicles, motorcycles, and commercial auto policies.
Why we love Progressive:
- They handle claims quickly, making the process as painless as possible for their clients.
- They’re incredibly tech-savvy, offering online tools and services that make managing policies a breeze.
- They’re often the best-priced option for clients who don’t fit the ideal profile for Auto-Owners or Safeco.
- They’re expanding their offerings to include home insurance and other types of business insurance.
- They offer discounts like Snapshot, a usage-based program that rewards good driving habits.
While Auto-Owners, Safeco, and Progressive are our top picks for many situations, we understand that the best insurance company for you depends on your individual needs and risk profile. We work with various fantastic companies perfect for different circumstances and provide personalized recommendations tailored to your unique situation. Remember that all three companies offer discounts, such as telematics-based rewards for good drivers, to help you save on your premiums. By working with a range of carriers and understanding their unique strengths, we can help you find the perfect fit for your personal auto insurance coverage in Idaho, Utah, and Wyoming.
Ready to explore options?
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 John Page | Feb 11, 2022 | Insurance Tips & Tricks
Shopping for insurance can feel overwhelming, with numerous options and channels. However, one insurance shopping option consistently puts shoppers first: independent insurance agencies. In this blog post, we’ll explore the differences between direct, captive, and independent insurance channels and discuss why independent agencies like Page Insurance offer the ultimate shopping experience.
Direct Insurance: Quick Quotes, Limited Options
Direct insurance channels allow you to purchase policies directly from insurance companies, usually online or through call centers. While this method may seem convenient and fast, it comes with several drawbacks:
- A limited selection of products
- No objective advice on coverage
- Potential for higher premiums due to advertising and operational costs
Captive Insurance: Local Agents, Limited Choices
Captive insurance channels provide local agents who work exclusively for a single insurance company. Although they offer personalized service, their limitations include:
- Biased advice, pushing their company’s products
- Time-consuming to shop each company individually
- Declining market share
Independent Insurance: The Ultimate Insurance Shopping Experience
Independent insurance agencies, like Page Insurance, offer a one-stop shopping experience that puts shoppers first. By working with multiple insurance companies, independent agencies provide:
- A wide range of products and coverage options
- Unbiased, objective advice on policies
- Competitive rates and lower operational costs
Finding the Right Independent Agency for You
To find the perfect independent agency, consider the following factors:
- Their knowledge of your state and local needs
- Access to quality insurance companies and products
- Good customer service and investment in technology
If you live in Idaho, Utah, or Wyoming and prioritize your insurance needs first, Page Insurance could be the perfect fit for you. By choosing an independent agency like Page Insurance, you, the shopper, come out on top with the best coverage, personalized service, and competitive rates. Don’t hesitate to give us a call or visit our website to learn more about how we can help you with all your insurance needs. So, go ahead and experience the ultimate insurance shopping experience that puts you in the driver’s seat!
If you’re ready to explore options, click here!
John Page, President of Page Insurance, has been a driving force in the insurance industry since 1998. As a licensed agent in Property & Casualty, Life, and Health insurance, John has won numerous awards for agency management and works tirelessly to improve agency operations with the clients in mind. He is passionate about building and investing in the Page team of experts, ensuring they deliver top-notch service to clients. In his free time, John enjoys snowmobiling, gaming, reading, and traveling with his wife and three kids, who are the loves of his life. John is a big hockey fan who loves rooting for the local Idaho Falls hockey team.
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