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Hailey, ID 83333

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Will my health insurance cover alternative therapies?

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Alternative therapies, also known as complementary medicine, do not follow the Western, science-based medicine model. Most health insurance plans extensively cover traditional Western medicine while providing limited or no coverage for complementary or alternative medicine (CAM). This article aims to help you understand which therapies insurance companies classify as alternative and how to increase the chances of receiving insurance coverage for these therapies. If you reside in or near Hailey, ID, consider reaching out to Harrison Insurance and Financials LTD for your health insurance queries and needs.

Understanding Complementary and Alternative Medicine (CAM)

The Cleveland Clinic, a nationally recognized provider of traditional medicine, categorizes CAM approaches as follows:

  • Mind-body techniques: yoga, hypnotherapy, meditation, biofeedback
  • Manipulation and body-based practices: massage, chiropractic, osteopathic manipulation
  • Energy force therapies: acupuncture, Qi gong, Tai Chi
  • Other approaches: aromatherapy, herbal remedies, art therapy

Determining Your Coverage for Complementary and Alternative Medicine

Insurance companies’ coverage for CAM varies widely. However, the best way to ensure CAM coverage is to consult your traditional medical provider first and request a referral or approval for CAM. Some physicians and other conventional providers collaborate with specific CAM providers.

Additionally, you should contact your insurance carrier to confirm whether and to what extent they cover CAM. They may cover chiropractic, acupuncture, and massage therapies, though policyholders often pay a higher share of the cost than for traditional treatments.

If you prefer a specific CAM therapy, consider CAM coverage when selecting your next health insurance plan.

Securing Health Insurance through Harrison Insurance and Financials LTD

If you reside in or near Hailey, ID, and need health insurance for yourself or your family, call the team at Harrison Insurance and Financials LTD at (208) 788-3255. We’ll assist you in structuring a plan that meets your needs.

Life Insurance for High-Risk Jobs: What to Know

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High-risk jobs, such as construction work, firefighting, law enforcement, and aviation, involve greater physical danger and exposure to hazardous conditions. That’s why individuals in these professions often face more challenges when applying for life insurance. Serving Hailey, ID, and the surrounding areas, Harrison Insurance and Financials LTD offers comprehensive life insurance offerings for all individuals, no matter your line of work.

What Makes a Job High-Risk?

High-risk jobs include careers such as paramedics, miners, and pilots. Insurers evaluate factors such as physical danger, exposure to hazardous materials, frequent travel, and the overall risk of injury or death. These factors can significantly affect both the cost of premiums and your eligibility for certain policies. The higher the risk, the more likely you are to face increased premiums or limited coverage options.

How High-Risk Jobs Affect Coverage

For individuals with high-risk jobs, life insurance premiums are typically higher due to the increased likelihood of injury or death. Some policies may also include exclusions for certain high-risk activities or may require additional medical exams to assess overall health. While employer-provided group life insurance may offer basic coverage, it is often insufficient for those in high-risk occupations.

Tips for Getting Sufficient Coverage

When seeking life insurance for a high-risk job, it’s crucial to work with an experienced agent who understands the unique risks associated with these professions. Compare policies from multiple providers to find the best coverage and the most competitive rates. Be honest with your occupation during the application process to avoid potential issues with claims.

Secure the Right Coverage for Peace of Mind

Finding the right life insurance for high-risk jobs is essential to protect your loved ones and secure your financial future. Contact Harrison Insurance and Financials, LTD, in Hailey, ID, today to discuss your coverage needs.

Common Mistakes Made After a Car Accident

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Not everyone experiences a car accident frequently, making it difficult to know what to do should you find yourself in anything from a slight fender-bender to a minor accident. This can be problematic for many reasons. Making the wrong moves or failing to make any of the necessary moves can make it hard for you to file claims. If the other person decides to lie and you aren’t able to prove they’re lying, you may be found at fault without the proper evidence. Fortunately, learning what not to do after a car accident is simple. Here are some common mistakes you should never make after a car accident. Compare policies with us here at Harrison Insurance and Financials LTD in Hailey, ID to ensure you have the right coverage if you get into an accident in the future.

Common Mistakes People Make After a Car Accident

Some of the mistakes that people tend to make after they’ve been involved in a car accident include:

  • Moving around without checking their current physical status or checking in on their passengers.
  • Apologizing for the accident, which could be used as evidence against you when authorities are attempting to determine fault.
  • Not calling the police so they can record the event and get information.
  • Not asking for identifying information and insurance information from the other person involved in the accident.
  • Not looking for cameras and witnesses to collect evidence so they can make their case.
  • And, perhaps the most egregious, fleeing because they’re worried about the consequences of the action.

If you ever find yourself on the receiving end of an accident or cause one, make sure never to do any of the above!

Shop for Car Insurance With the Support of Harrison Insurance and Financials LTD

When you come to us at Harrison Insurance and Financials LTD in Hailey, ID, we’ll help you receive and compare quotes so you can get auto insurance that supports you. Contact us now to begin the process.

Does Every Small Business Need Commercial Insurance?

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The U.S. Small Business Administration defines small businesses as those employing 500 or fewer employees, representing 56 percent of Idaho’s workforce. Small businesses play a key role in Idaho’s economy, and commercial insurance helps them meet their legal and contractual obligations. If you own a small business in the Hailey, ID, area, consider selecting the Harrison Insurance and Financials LTD team as your commercial insurance partner.

Who Needs Commercial Insurance?

Every small business should consider carrying commercial insurance, as operating a business brings risk. Some small business owners rely on their home insurance to protect business assets, despite home insurance typically covering only $2,500 in business assets. Likewise, small business owners sometimes take risks by relying on their personal auto policy rather than a commercial vehicle policy, particularly when employees drive the vehicle.

Beyond those examples for very small businesses, as your business grows and adds employees, Worker’s Compensation insurance becomes necessary to protect against employees who might be injured on the job. Commercial and property liability insurance also becomes important if your business owns or rents space, especially if customers or suppliers visit the premises. Of course, other forms of specialized commercial insurance are needed based on the nature of your work.

Also, businesses that work with government agencies may be required to carry Worker’s Compensation or other forms of insurance, and private companies often have requirements included in their contracts.

Regardless of your business’s size, you should meet with an agent to discuss the benefits of protecting your business and personal assets against loss.

Working with Harrison Insurance and Financials LTD

The Harrison Insurance and Financials LTD team serves the Hailey, ID, private and business communities. Call (208) 788-3255 to schedule an appointment for an insurance plan that protects your business.

Common Home Renovations and How They Impact Your Insurance

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Home renovations are an exciting process as you watch your house transform into your dream home. However, there are several factors to consider, including your insurance policies. Certain renovations may increase your premium or necessitate higher liability insurance requirements.

Fire Renovations

Outdoor kitchens are increasingly popular, and a warm fireplace in the living room adds a cozy touch. However, these renovations also come with risks. Therefore, consulting with an agent at Harrison Insurance and Financials LTD is crucial to determine the potential impact on insurance costs.

Property Value

The cost of replacing your property often determines insurance premiums. Many renovations increase property value. For instance, a finished basement, a new wing, a pool, or extensive home upgrades can increase property value. Consequently, insurance premiums may rise because your home will cost more to replace.

Liability Insurance

Certain upgrades increase the risk of injury. For example, a pool is often considered a liability because the property owner may be held liable for injuries that occur. The increased risk can result in higher insurance premiums. Other items, such as a trampoline, can also increase premiums. Always consult an insurance agent at Harrison Insurance and Financials LTD before upgrading.

Get Coverage in Idaho

Renovations that don’t meet code standards are often deemed hazardous. Insurance companies in Hailey, ID, often label these properties as high-risk. Before upgrading your home, our professional agents can answer any questions about how a remodel will impact your insurance. We currently service the Hailey, ID, area.

Tips for making your home a safer place to live

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Improving the safety of your home can mean different things to different people. It can involve protecting the inhabitants from dangers inside or outside the house. At Harrison Insurance and Financials LTD in Hailey, ID, we are independent insurance agents who offer our customers the personalized service they need.

Exterior Safety Measures

Installing a home security system is one of the primary ways to enhance your home’s safety. These systems have never been more affordable and easier to install. Many are DIY projects that can be completed in minutes. Options range from doorbell cameras to exterior cameras and window locks. Many modern systems allow you to monitor your home using your smartphone. Alternatively, you can opt for a system monitored by a home security company.

Outdoor motion lights ensure that any person or object approaching your home triggers the lights, alerting you to their presence.

Keep all shrubbery near your home below window level to maintain clear visibility.

Interior Safety Measures

Smoke detectors with functioning battery backups are crucial in your home. A carbon monoxide detector may also be essential, depending on your heating type.

Preventing fires is a significant consideration. Ensure your furnace is cleaned annually, and if you have a fireplace, have the chimney cleaned as well. Having a fire extinguisher on every level and in easily accessible locations is vital for the safety of everyone in the family.

If you have questions or concerns about home insurance, contact our office at Harrison Insurance and Financials LTD in Hailey, ID.

Classic Car Insurance: Protection for Your Time Capsule on Wheels

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Classic cars can mean many things to many people, but everyone seems to stop and look at those vehicles of bygone days when they pass by. For classic car enthusiasts, collectors, and owners, however, these beautiful results of manufacturing design are much more than merely older vehicles. That is also why many classic car owners in and around the Hailey, ID area rely on the experienced, friendly, and professional team at Harrison Insurance and Financials LTD for all their classic car insurance questions, concerns, and needs.

Classic Car Insurance: Protection for Your Time Capsule on Wheels

Beyond the sheer beauty, design, and unique styles that classic cars offer, there are ties to something much more profound for many people. For some, these historical vehicles are much like time capsules on wheels, which can transport us to another era and place. Others might find remembrances of an earlier time in their own lives. While some simply appreciate the embodiment of these long-ago days that these cherished and beloved classics carry. Whatever your affinity is for classic cars, if you are a classic car owner, then classic car insurance is a good way to protect your classic car and everything it means to you.

Classic Car Insurance Solutions in Hailey, ID

Are you the owner of a classic car in Hailey, ID, or the surrounding area? Do you have questions about classic car insurance, or would you like to learn more about protecting your classic car with classic car insurance? Then, our knowledgeable and trusted team of agents at Harrison Insurance and Financials LTD can help. Contact us to find out more and schedule an appointment for the protection your classic ride needs and deserves at Harrison Insurance and Financials LTD today.

Why do I need to have recreational insurance in Idaho?

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Recreational Insurance: Protecting Your Recreational Assets

Owning a recreational vehicle or asset can be a good idea when you live in the Hailey, ID area. This part of the state offers many recreational parks and trails that allow you to have a lot of fun. When you are going to invest in one of these assets, you do need to have the right insurance. You need a recreational insurance plan for your assets for several reasons.

Asset Coverage

A great reason to ensure you have a recreational plan is to ensure you have coverage for your assets. If you are going to own a recreational asset, you will know it requires an investment to purchase and maintain it. A recreational policy can include coverage for the asset. This will ensure you have support if it is stolen or damaged in an accident.

Liability Mitigation

It is also a good idea to have this coverage to mitigate your risk of a liability claim. There is always a possibility of causing damage if an accident occurs while using a recreational asset. When you are insured, you will have support in these situations, as it will include a liability insurance provision. This will give you peace of mind, knowing that you will be supported if you need to cover costs caused by an accident.

Choosing the Right Recreational Insurance in Idaho

In the Hailey, ID area, it will be very important that you get the right insurance for your recreational assets. There are a lot of choices to make when you are evaluating your insurance options, and our team at Harrison Insurance and Financials LTD can help you build a new plan. Our professionals with Harrison Insurance and Financials LTD will provide any support needed to build a policy that meets your needs.

Renters Insurance Coverage for Personal Belongings

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Why Renter’s Insurance is a Necessity in Hailey, ID

If you’re renting a home in or around Hailey, ID, it’s crucial to consider the advantages of purchasing renters’ insurance coverage. This policy can serve as an effective "safety net," offering much-needed compensation in case of any accident or incident involving the house or your personal belongings.

Coverage Offered by Renters’ Insurance

Renters’ insurance provides coverage for your personal belongings. It compensates you if your belongings are stolen or damaged by a natural disaster like a fire or windstorm. Insured belongings can include clothing, furniture, jewelry, artwork, sports gear, and even appliances you own within the home.

Exceptions to Renters’ Insurance Coverage

Typically, renters’ insurance does not cover damage due to flooding or earthquakes. Additionally, there are limits on the compensation you can claim. If you have valuable collectibles at home, purchasing additional coverage or an umbrella policy for their protection may be advisable.

Renters’ insurance won’t cover personal belongings that aren’t within the house at the time of the incident. For instance, if you have sports gear or other valuables in your car during a windstorm, these won’t be covered under your renters’ insurance policy. Also, renters’ insurance does not cover cars, boats, or other vehicles, even if they are parked on the rental property.

Acquiring Renters’ Insurance through Harrison Insurance and Financials LTD

Harrison Insurance and Financials LTD has over thirty years of experience offering varied insurance policy options to residents of Hailey, ID. Our team prides itself on helping each client find the coverage that best suits their needs within their budget. Don’t hesitate to call us to discover more about renters’ insurance or get a quote for your preferred policy.

Why You Need Both Home and Flood Insurance

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Owning a home requires a comprehensive insurance policy, including home and flood coverage. These two policies are crucial to fully protecting your most valuable asset. It’s essential to understand what each covers, highlighting the necessity for both. If you currently have a flood policy, don’t hesitate to contact us at Harrison Insurance and Financials LTD in Hailey, ID.

Home Insurance and Flood Coverage

Many homeowners forgo flood insurance, erroneously believing their home insurance will cover potential flooding. However, home insurance policies specifically exclude flood damage from their coverage. Without a flood policy to complement your home insurance, you remain unprotected against flooding. Flood damage can result in substantial costs, leading to potential financial hardship for uninsured homeowners.

The Scope of Flood Coverage

The National Flood Insurance Program guarantees government support and credibility for flood insurance. Every homeowner can benefit from this reliable form of coverage. It’s a misconception that only homeowners living in designated flood zones require flood insurance. Approximately 20% of flood claims are made by homeowners residing outside of these zones, reaffirming that floods can manifest virtually anywhere.

Protecting Your Idaho Home with Flood Insurance

If you’ve been neglecting to get flood insurance, you’ve been exposing yourself to significant risk. It’s time to secure a policy that brings peace of mind knowing you’re completely protected. When you’re ready to explore flood insurance options or obtain a policy, feel free to reach out to us at Harrison Insurance and Financials LTD in Hailey, ID.

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