Harrison Insurance and Financials, Ltd

101 E Bullion St, 2A
Hailey, ID 83333

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Renters Insurance Coverage for Personal Belongings

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

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.

Do You Need the Added Protection of Umbrella Insurance?

Having robust insurance protection is not just crucial for security, but it also provides peace of mind. If you’re in the Hailey, ID area, Harrison Insurance and Financials LTD can help you obtain the coverage you need. Umbrella insurance is one type of coverage we offer, which bolsters your existing coverage and can kick in if you ever face a claim that exceeds your other policy’s limits.

There’s a misconception that only individuals with substantial assets need this extra layer of coverage, but this isn’t entirely true. Umbrella coverage can benefit many people across different walks of life. Particularly if you’re a homeowner, a business owner, or if you have other assets, it’s crucial that you’re adequately covered against a broad spectrum of possible incidents. While preventing mishaps isn’t always possible, you can control the level of liability in such scenarios.

By working with our agents, you can learn more about umbrella insurance—its provisions and how it can help you make an informed decision about whether it’s suitable for your needs. There are many benefits to having additional coverage, including feeling more secure about your future and knowing you’re prepared for scenarios that demand a high level of insurance protection.

Contact us today at Harrison Insurance and Financials LTD if you’re in the Hailey, ID, area and seeking information and options for umbrella insurance. We’re here to help and guide you so that you can feel confident about the coverage you have and the policies you can select. This will allow you to continue living life confidently, knowing you’re comprehensively protected.

Will I Be Required to Get Condo Insurance?

When buying a condo, you may be required to get condo insurance. Many people get condo insurance because they’re required to, and many more get condo insurance because they think it’s an excellent way to protect themselves financially.  

If you need condo insurance, the Harrison Insurance and Financials LTD professionals servicing Hailey ID can help. We provide condo insurance to customers who want to protect their investments and enjoy coverage when certain events occur. 

Who Is Required to Get Condo Insurance?

Most people are required to get condo insurance when they purchase a condo. Here are the two entities that may require you to get condo insurance:

  • Mortgage lender. If you used a bank loan to buy your condo, then your mortgage lender will require you to get condo insurance to protect that investment. Mortgage lenders will not loan the money until the condo insurance policy is in place.
  • HOA. Many homeowner associations require condo owners to have condo insurance. HOAs make condo insurance ownership a condition of the purchase.

Why Get Condo Insurance?

Even if you’re not required to get condo insurance, having it can still be beneficial. Condo insurance protects your investment by paying to replace belongings and repair your condo interior if a covered event occurs. It can provide peace of mind and make recovering from a covered event much easier and less expensive overall. 

Need Condo Insurance? Call Us

If you need condo insurance, the professionals at Harrison Insurance and Financials LTD servicing Hailey, ID, can help. We provide condo insurance coverage and work with a range of carriers to help our customers find the best coverage for their needs. Call today. 

Health Insurance for Pregnant Moms

The average cost of healthcare for a pregnant woman comes to nearly $18,900. Thankfully, the right health insurance policy can cover the vast majority of this expense, allowing Hailey, ID moms-to-be to focus on preparing for the arrival of a new life rather than paying bills.

What’s Covered by Insurance for Pregnant Moms?

Health insurance for pregnant moms typically covers most prenatal doctor visits. It also covers prenatal tests and ultrasounds. Furthermore, it covers the cost of delivery, newborn care for the new baby, and postpartum care for the mother. If you have a pre-existing health condition that can affect your pregnancy and delivery, you can choose a policy that will cover your treatment for the condition while you’re pregnant.

Bear in mind that the amount of coverage you get depends on which policy you pick. Please read it carefully before signing up for coverage to ensure that you’re getting the help you need. You’ll also want to choose a deductible with care. Raising the deductible lowers the cost of your insurance policy, but you’ll have to pay more out-of-pocket before coverage kicks in than you would have had you chosen a low policy deductible.

Health Insurance from Harrison Insurance and Financials LTD

If you’re planning on having a baby and aren’t sure which health insurance policy is right for you, our Harrison Insurance and Financials LTD team can offer expert advice and assistance. We specialize in helping Hailey, ID moms-to-be, understand their policy options and choose the ones that are the best fit for their situation. Contact us to learn more about policy options and terms and conditions or to get a policy quote. 

Can You Have More Than One Type of Life Insurance Policy?

Secure Your Future with Harrison Insurance and Financials LTD

In Hailey, ID, Harrison Insurance and Financials LTD prioritizes stellar services for residents seeking life insurance policies tailored to their needs. Our goal is to assist clients in policy acquisition and keep them informed even after purchase. We recognize that everyone has unique needs and financial situations, so we provide individualized advice and tips.

Understanding Life Insurance

Many people choose to have more than one type of life insurance to suit their specific needs. For example, a whole life insurance policy offers lifetime coverage and potential cash value accumulation. Evaluating your financial objectives and family situation is critical to understanding which types and levels of coverage are in your best interest. Our qualified insurance professionals guide you through the complexities of multiple policies to ensure comprehensive coverage tailored to your financial plan.

Guidance and Support in Hailey, ID

At Harrison Insurance and Financials LTD, we are firmly committed to helping you choose the appropriate life insurance policy that serves your needs and offers financial security for your loved ones. Reach out to us today and take the first step towards securing your future. In gaining peace of mind for yourself and your family, you choose more than an insurance policy – you choose security, certainty, and tranquility.

Beyond Liability, Learn About Comprehensive and Collision Insurance for Autos in Hailey, ID

If you’re looking for the best auto insurance, it is essential to start with the basics. Understanding the differences in auto insurance types can make all the difference for local drivers seeking comprehensive protection. 

Read on to learn about the benefits of comprehensive collision insurance from Harrison Insurance and Financials LTD in Hailey, ID. 

Beyond State-Minimum Protections for Idaho Drivers

Comprehensive and Collision auto insurance adds extended benefits beyond state minimum requirements. If you’re seeking total protection from auto accidents, theft, damage caused by flooding, or natural disasters, comprehensive collision coverage is probably the right option for you. 

Liability Insurance Provides Basic Auto Insurance Coverage for Local Drivers

Liability insurance only provides basic coverage to protect other drivers when auto accidents happen. While liability offers financial protection and meets state minimum insurance requirements for legally operating a vehicle on public roads, it doesn’t shield Idaho drivers from the high costs of vehicle repair or replacement that can result from an accident. 

Comprehensive and Collision Insurance Offers Total Protection

Conversely, full coverage insurance protects drivers, passengers, and property in auto accidents. The fallout from non-fatal car accidents can lead to expensive legal bills, medical claims, and legal liability claims that could devastate most drivers financially. 

Get Auto Insurance Advice from Trusted Local Professionals

Safety-conscious drivers in Idaho protect themselves and their automobiles by investing in comprehensive collision policies that cover a wide variety of standard and uncommon perils. A trusted insurance agent can answer frequently asked questions about comprehensive insurance benefits, provide advice, and offer you a quote based on your driving history. 

Contact Harrison Insurance and Financials LTD in Hailey, ID, to get a quote today!

Why New Business Owners Should Make Commercial Insurance a Priority

If you’re setting up a new business, you’ll have a lot on your plate. Entrepreneurs are busy, from developing products and services to managing marketing campaigns. That said, it’s important to make sure all your bases are covered, and among other things, that means making sure that the right commercial insurance policies protect you and your business. If you need assistance and want to speak to insurance agents serving Hailey, ID, contact Harrison Insurance and Financials LTD.

Why Commercial Insurance is Necessary

Entrepreneurs face many risks. This is especially true for first-time entrepreneurs, many of whom are new to the market and the responsibilities of being a business owner. While many successful business owners find their success by focusing on the upside and opportunities, it’s also important to identify and mitigate risks.

What happens if a natural disaster, like a severe storm, destroys your place of business and equipment? Who will cover the bills if there’s a break-in or fire? What if a customer or employee suffers a slip and fall on your property, and you end up in a civil case? Business owners may have to face these risks and more day in and day out.

Regarding commercial insurance, you can find policies that cover many different events, including the ones mentioned above. Of course, what is covered by an individual insurance plan can vary from policy to policy, so it’s crucial to read the fine print and understand what is and what is not covered.

Either way, new business owners need to consider commercial insurance options when setting up their businesses. If you’re looking for an insurance agent serving Hailey, ID, contact Harrison Insurance and Financials LTD.

Coverage For Your Outdoor Residential Possessions

Your home insurance policy should provide sufficient coverage for the items you store outdoors. Conduct an assessment of your property. Then, contact one of our agents who serve Hailey, ID. A Harrison Insurance and Financials LTD agent will update your home insurance policy.

Outdoor Kitchen

If you have an outdoor kitchen or area where you grill food, consider the value of the items you use to prepare meals. High-ticket items, including stoves and grills, should be covered by insurance.

Water Features

If you own a pool, fountain, or another valuable water feature, consider the benefits of adding it to your insurance policy. If an insured water feature is damaged in the future, your insurance policy will satisfy the cost of repairing it.

Recreational Equipment

Recreational equipment, including boats and all-terrain vehicles, should be covered by insurance. If you do not have a separate policy covering the recreational items you own, now is the time to add these items to your existing insurance policy.

Write down the make and model of each recreational item. This information will need to be submitted when you add your recreational possessions to your policy.

Machinery

If you garden or repair items on your property, you likely own some machinery that costs a considerable amount of money. The machinery that you store outdoors should be added to your policy.

Tools

Consider the value of the tools that you own and store outdoors. Prepare a list of tools you would like your insurance policy to cover.

Contact Harrison Insurance and Financials LTD

Our Harrison Insurance and Financials LTD agents help homeowners like you. Contact an agent who serves Hailey, ID at your earliest convenience.

Safeguarding Your Home During the Holidays

Protecting the place we call home is something every homeowner thinks about, but it isn’t something any of us want to worry about. That is also why Hailey, ID homeowners turn to the trusted professionals at Harrison Insurance and Financials LTD for all their home insurance needs.

Protection During the Holidays, Vacations, and All Year Round 

It is no secret that homes become more popular targets during different times of the year. The holiday season is a prime example, as people buy with joy and often stuff gifts and new items in closets, under beds, and other easily accessible places for would-be criminals.

The holiday season, however, is just one of many times during the year when homes can become a bigger bullseye. The good news is aside from the discomfort and violation that victims feel, there is help to recover the financial value of what was taken. Protecting our homes can be a big job, from thieves to fires, flooding, and more, but with help from agents like Harrison Insurance and Financials LTD, it isn’t one we have to tackle alone. 

Contact Harrison Insurance and Financials LTD for All Your Home Insurance Needs

Home insurance is like that extra line of defense: there to help replace, restore, and repair what was stolen, broken, or lost. To ensure you have the protection your home needs and deserves, contact us to learn more or to schedule an appointment today, and let the Harrison Insurance and Financials LTD team help protect you and your home. From the holidays to summer vacation and all year round, home insurance is the peace of mind homeowners deserve.

Our Partners


  • American Modern
  • Banner Life
  • Blue Cross of Idaho
  • Chubb
  • Dairyland
  • Encompass
  • Foremost
  • John Hancock
  • Kemper
  • Liberty Mutual
  • lloyds of London
  • MetLife
  • Mountain Health
  • Nationwide
  • Progressive
  • Protective
  • Safeco
  • Select Health
  • The Hartford
  • Travelers