Harrison Insurance and Financials, Ltd

101 E Bullion St, 2A
Hailey, ID 83333

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What does renters insurance cover

As a renter, you may not have considered what renters insurance can do for you. It can help you survive a hazard that damages or destroys your rental. Harrison Insurance and Financials LTD in Hailey, ID has been providing service to the area for more than 30 years. Our well trained and professional team will do the hard work of finding the best coverage for our customers. 

Personal possessions

Imagine losing everything you own to a fire or a tornado? It could just be the loss of your laptop to a theft. Having to replace these things out of your own pocket could be very difficult. This coverage will have a deductible, but your insurance will help you replace your lost possessions after that. 

Liability coverage

You may not have ever thought about it, but what would you do if someone sued you. It can happen. It could be the result of an injury that someone gets while visiting your rental. A slip and fall isn’t unusual. It could be your child or pet does damage to someone’s property. Legal actions happen, and if they are against you, it can cost you everything you have. It can even cost your future earnings. Liability insurance helps protect you against this and also the legal cost involved. 

Loss of use

When your rental is devastated by a covered hazard, it may not be habitable. What would you do? You can stay in a hotel for the immediate future, but then you will try to find a temporary rental until you can move back to your home. A renters policy usually covers these costs. 

At Harrison Insurance and Financials LTD in Hailey, ID, we are happy to explain everything that a rental policy can do for you. We will do this on the phone or at our office. Contact us as soon as possible, and let us give you a no-obligation quote.

Things You Should Know About Umbrella Insurance

Umbrella insurance is a specific type of insurance that provides additional coverage on top of other personal insurance, such as auto, homeowners, motorcycle, and watercraft. If you have never had this insurance before and are thinking about getting it, Harrison Insurance and Financials LTD, serving Hailey, ID, has prepared the list of things you should know:

What does it cover?

The coverage applies to you and other family members in the same household, including children, spouses, and other relatives in your care. It protects you over and above the limits of your auto, homeowners, or boat/watercraft insurance, as well as personal injury liability, such as false arrest, libel, and some others. Also, umbrella insurance follows you, which means you are protected worldwide. 

Why do I need it? 

Umbrella insurance is an extra layer of security. Plus, it is beneficial for those who are going to add a teen driver to their auto insurance policy. Since most umbrella insurance claims involve auto losses, this specific type of insurance will give you peace of mind when your teenage driver is behind the wheel. 

What is not covered by umbrella insurance?

This type of insurance will not cover damages caused to your personal belongings, intentional or criminal acts, injuries, or damages to the property in certain situations (for example, using uncovered recreational vehicles), other people’s injuries, or damage that your company is liable for. 

The more assets you have, the more critical it is for you to have umbrella insurance to provide you with the necessary protection and peace of mind. Harrison Insurance and Financials LTD, serving clients in Hailey, ID, is a team of professionals who will be glad to assist you and answer all your questions regarding this policy. Do not hesitate to give us a call and talk to one of our experienced insurance agents. 

Why You Should Discuss Flood Insurance Options with an Independent Agent

Flooding can be a serious threat to your home. It can cause significant damage, and without flood insurance, it could cost you big time financially. Depending on where you live, if it is a high-risk flood zone, you may be required to have flood insurance in addition to your typical homeowner’s policy. Flood insurance can be purchased through the National Flood Insurance Program, or it can be acquired through independent and private insurers.

At Harrison Insurance and Financials LTD in Hailey, ID, we are independent agents, and we work hard to make sure you have adequate flood coverage at an affordable price. We deal with several different companies and are always on the lookout for the best pricing and plans.

Why Choose an Independent Agent?

Independent insurance agents can be a great choice when you’re choosing flood insurance for your home because we deal with many companies. If your circumstances change, you don’t have to change your insurance company. If you need to file a claim for flood damage on your home, we can be there for you as an advocate and make sure you get the most out of your situation. Independent insurance agents can get the best values and types of plans from different companies since we work with several different agencies at the same time.

Agents Who Are On Your Side

Give us a call to schedule an appointment with Harrison Insurance and Financials LTD of Hailey, ID. We will be happy to discuss your options and what your needs are so we can match you up with the best flood insurance plans and services we can find. We look forward to seeing you.

Do You Need Condo Insurance in Idaho

If you own a condo in Idaho, you are required to have an insurance policy, referred to as an HO6 policy. This insurance policy covers several things, and you can opt for more coverage if you so choose.

The HO6 insurance requirement was put in place after the most recent housing crisis to replace or repair items that are lost due to a disaster that is not covered under the condo owner’s association master policy. Before creating your policy with your insurance agent, you will want to check with your condo association to determine what their policy covers, so you will know and understand what you will be responsible for covering. This policy also complies with the rules of many lenders and mortgage companies in Idaho to protect their investment in your condominium. It satisfies their need for proof of insurance from you.

You can also obtain additional coverage that is pretty common to ensure your complete peace of mind when it comes to your beautiful condo. You can purchase a policy that covers theft and vandalism to your condo and personal belongings also. If your condo is located in an area that is prone to flooding, you can also add that type of coverage to your condo insurance policy. An umbrella policy can also be added; which will protect you in the event you are sued for injuries sustained by a guest to your condo or if you are accused of slander or libel.

To create and obtain the very best policy for you and your situation, you will want to enlist the assistance of an insurance agent who is experienced with condo insurance. The condo insurance agents at Harrison Insurance and Financials LTD in Hailey, ID have the experience and skills needed to create a condo insurance policy for you today!

Health Insurance Coverage in Idaho

You and your family’s health is one of the most aspects of your lives, and having proper health insurance coverage in Idaho is critical to obtaining the medical care you need and deserve. For Hailey, ID residents, Harrison Insurance and Financials LTD agents are looking forward to sitting down and discussing your health insurance requirements for you and your family. Obtaining health insurance coverage is the first step in establishing the financial peace of mind you need in the event of illness, injury, or sickness.

Health Insurance Coverage in Idaho

For your health insurance coverage needs in Hailey, ID, we invite you to discuss your health care situation. Ensuring that you and your family have access to quality healthcare begins with having a healthcare insurance policy at your disposal. Many Americans put off needed medical treatment for fear of the financial costs of such treatment without proper insurance.

It is a well-known fact that people with unfettered access to quality medical care results in patients leading much healthier and active lives. Indeed, health insurance plugs you and your family into a health care network that affords easy access to the health professional in your area without having to bear heavy out-of-pocket costs. You shouldn’t have to decide between paying rent and seeing a doctor when you need one. A health insurance policy affords you that medical access without having to make those hard budgetary decisions.

Call Our Team at Harrison Insurance and Financials LTD

If you have questions or concerns regarding your health insurance coverage in Hailey, ID, we welcome you to contact our office to discuss your unique health insurance needs for you and your family. Our team of knowledgeable and friendly licensed agents here at Harrison Insurance and Financials LTD has the answers you need to make an informed decision regarding your health coverage options. Locally owned and operated, Harrison Insurance and Financials works with a myriad of providers to get the best possible policy for you and your family.

How Does Life Insurance Work?

Life insurance is a contract between the insurance company and you. You agree to pay for your policy, and the insurer agrees to pay a sum of money to the beneficiaries you have listed if you die. There are several different types of life insurance, and choosing the right type will depend on your budget and your goals. There are also various options for paying premiums, such as yearly or monthly, that you can discuss with your agent at Harrison Insurance and Financials LTD in Hailey, ID. 

A life insurance company will make money by investing in the premiums you pay. They may also profit from customers that cause the policy to lapse and stop paying their premiums. You designate a beneficiary who will receive the life insurance payout. The payout can go toward mortgage payments, funeral expenses, or other expenses the beneficiary has. You should tell your beneficiaries that your life insurance exists. While they don’t need to have the policy to make a claim, it’s essential to know which company has the policy. Once your beneficiary makes a claim, they usually get a check within one to two weeks.

The buying process for life insurance will involve figuring out how much coverage you need and which type of policy is best for you. There are two main policies to consider, and the decision depends on how long you want your coverage to last and if you want your policy to build up cash value. Term life insurance will only cover you for a certain period and is more bare-bones coverage. Permanent life insurance will last your whole life if you keep paying the premiums. There is also a cash value component that may allow you to utilize life insurance while you are still living.

Contact Harrison Insurance and Financials LTD in Hailey, ID to get a quote on life insurance.

Does Commercial Insurance Cover Shoplifting and Other Types of Theft?

The agents of Harrison Insurance and Financials offer business owners in Hailey, ID and Sun Valley areas sound advice when it comes to protecting their businesses from various types of theft. It’s essential to know what types of theft are covered under your insurance policy and what types are considered to be a loss for the business. Understanding the different types of theft will help you protect your business more appropriately.

Shoplifting and Employee Theft

Shoplifting and employee theft are normally not covered under your commercial insurance policy. Because it can be hard to determine how much has been stolen and when the actual thefts occurred, it is difficult to file a claim. In most cases, the amounts are so small that filing a claim would not be worth the actual cost of the process. If the person is caught, they are required to pay restitution by the courts.

Protect Yourself 

When dealing with shoplifting and employee theft, there are ways you can minimize your risk. Teach employees how to spot shoplifters and install video cameras throughout your business and above registers. This will help you keep an eye on specific trouble areas where thefts commonly occur. If you have a troublesome person, you can hire a plainclothes security officer to visit your business.

In Hailey, ID, if you own a business and want to learn more about shoplifting and employee theft, call and talk to an agent today. You can also visit the office of Harrison Insurance and Financials to get the answers you are looking for. Don’t put your business at risk! Take the time you need to learn as much as you can and take appropriate action!

Our Partners

  • American Modern
  • Banner Life
  • Blue Cross of Idaho
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  • Liberty Mutual
  • lloyds of London
  • MetLife
  • Mountain Health
  • Nationwide
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