Little Known Factors that can Increase Home Insurance Premiums

Citizens in Boise, ID need to make sure they are informed when it comes to home insurance premiums. While the location and the size of the home are universal factors that everyone understands, there are several important factors that fly under the radar when calculating home insurance costs. Do not neglect these factors when deciding what additions to add to a home.

First on the list is a trampoline. While kids love trampolines and need the exercise, insurance companies have started raising home insurance rates for homes with trampolines. This is because trampolines lead to thousands of hospital visits every year. People can bounce off of the edge and break bones. Limbs can get trapped in the springs and suffer significant injuries. When hospital visits occur, the insurance company is frequently on the hook for the bills. Therefore, insurance companies have started charging higher premiums for homes with trampolines.

Next, swimming pools can also lead to higher premiums. People commonly run around the pool deck and wind up falling on the edge, sustaining significant injuries that lead to hospital visits. Furthermore, people can drown in the pool. In fact, hundreds of people drown in pools every year. Many of these drownings take place in home pools. All of these are costs the insurance company might have to pay for. Therefore, homeowners with pools wind up paying higher home insurance premiums.

Lastly, even home decks can lead to a higher home insurance rate. People can fall off of the deck and hurt themselves, leading to more hospital visits. Because insurance companies understand the risk with home decks, they will charge higher premiums for homes with decks. Owners can mitigate these costs by adding a railing.

Home insurance rates in Boise, ID are heavily impacted by these little-known factors above. Do not overlook these facets of home insurance when making purchases for home use. An insurance company might decide to charge higher premiums.

Can A Learner’s Permit Affect Car Insurance?

Boise is a major metropolitan city in Idaho. There are many attractions, including the Boise National Forest, the Egyptian Theatre, and much more. The economy is booming and residents can enjoy working for a number of top employers.

When you live in Boise, there are some things to understand with adding a learners permit to your policy. Once you have a licensed student driver, it’s important to contact your car insurance company and add them to the policy.

What you need to understand is that a learner’s permit is going to affect your car insurance in some dramatic ways. If you simply add without paying attention to details, the policy could become very expensive. This is because of the added risk of a new driver suddenly on the roads.

Another way the permit can affect your insurance is because of the coverage. You can choose to keep the coverage the same as you have had it throughout Idaho. However, it is recommended that you add to the overall liability as a way of protecting you and your family.

If your child with the learner’s permit gets into an accident, it could result in a lot of damages or personal injuries. You will depend on your insurance to cover all of the expenses. In order for this to happen, the coverage levels need to be at the necessary amounts. If they are too low, you could find yourself responsible for all of the remaining amounts – and this can be a substantial amount of money. Our agents can talk to you about the best level of coverage.

You can call one of our independent agents where we can go over some of the different options available to you in Boise. Adding a learner’s permit can be simple and without being too expensive!