by benpage1974 | May 25, 2023 | Home Owners
A torrent of rain hit Idaho Falls just yesterday, turning streets into rivers and basements into water reservoirs. Flash floods, unexpected and swift, are a reality across Idaho, Wyoming, and Utah. Many homeowners, however, find themselves unprepared and unprotected. That’s where Inland Flood Coverage comes in.
Bridging the Gap in Flood Coverage
Standard homeowners’ insurance policies typically don’t cover damage caused by flooding. While they protect against issues originating within the home, such as a burst pipe, they often exclude water damage caused by external events like rivers overflowing their banks or flash flooding. This coverage gap can lead to significant out-of-pocket expenses for homeowners.
The Costly Limitations of the National Flood Insurance Program (NFIP)
The National Flood Insurance Program (NFIP), managed by the Federal Emergency Management Administration (FEMA), has been the traditional option for flood coverage. However, NFIP coverage can be expensive and often falls short of meeting the needs of homeowners in low-to-moderate flood-risk zones. High premiums, deductibles, and limitations on what is covered can leave homeowners seeking more comprehensive options.
Introducing Inland Flood Coverage: Tailored and Affordable
Inland Flood Coverage is specifically designed to fill the flood coverage gap in standard homeowners’ insurance. Unlike the NFIP, Inland Flood Coverage provides affordable and comprehensive protection for homeowners in low-to-moderate flood-risk zones.
Inland Flood Coverage includes:
- Buildings: Provides coverage for your main house and other structures on your property.
- Contents: Protects your personal belongings, even those located in the basement, an area often excluded by standard flood insurance.
- Additional Living Expenses: This covers the costs of temporary accommodation if your home becomes uninhabitable due to a flood.
- Property Relocation: Some policies even cover the expenses associated with moving your property to safety in the event of a flood.
- Debris Removal: Helps with the costs of removing flood debris from your property.
Coverage options and premiums may vary among insurance companies. That’s why it’s essential to consult with your Page Insurance agent. We can provide guidance and help you navigate the options to find the best coverage tailored to your specific needs.
Note: Other optional coverages like ‘sewer backup’ and ‘water backup.’ Policies aren’t milk – where they’re basically the same everywhere you go. They need to be personalized to what you want. The Page team can help!
Taking the Next Steps: Protecting Your Home with Inland Flood Coverage
To add Inland Flood Coverage to your homeowners’ insurance policy, follow these steps:
- Consult with your Page Insurance agent: We’re here to discuss your needs and guide you through your options, ensuring you understand the details of Inland Flood Coverage.
- Policy Review and Amendment: If you decide to add this coverage, we will review your current policy and initiate the amendment process to include Inland Flood Coverage.
- Start or Renewal Time: The most straightforward time to add this endorsement is when you’re starting a new policy or during the policy renewal period. However, it can typically be added at any time during the policy period.
- Stay Informed: Thoroughly read your policy and ask questions to ensure you understand the coverage details.
Don’t Wait Until It’s Too Late
Just one inch of water in a home can cause more than $25,000 in damage, according to the National Flood Insurance Program (NFIP). With the intensifying weather patterns due to climate change, the risk of flood events is increasing. It’s crucial not to overlook the importance of protecting your home.
The recent flash floods in Idaho Falls serve as a stark reminder that floods can happen unexpectedly, anywhere, and at any time. Inland Flood Coverage provides the protection you need to weather these storms.
Your Page Insurance agent is ready to assist you in finding the right coverage for your needs. If coverage against flooding is something you’d like to further explore, contact us today!
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by John Page | Apr 18, 2023 | Insurance Tips & Tricks
Traveling can be an exciting and enriching experience, but it comes with its fair share of risks and uncertainties. That’s where travel insurance comes in, protecting against unforeseen events and offering peace of mind during your trip. In this guide, we’ll explore the various types of travel insurance, coverage options, and tips for choosing the right policy for your needs. We’ll also address common questions and concerns that travelers may have about insurance.
Will My Existing Insurance Cover Me While Traveling?
A common misconception is that your existing insurance policies, such as health, auto, and homeowners insurance, will provide all the coverage you need while traveling. However, these policies often have limitations when it comes to travel:
- Health insurance: Your current health insurance policy may not cover you outside your home country or may offer limited coverage. It typically doesn’t include medical evacuation or repatriation, which can be essential during a serious medical emergency abroad.
- Auto insurance: Your auto insurance policy may not extend to rental cars or international travel, leaving you without coverage for accidents or damage to the rental vehicle.
- Homeowners insurance: While your homeowners’ policy may cover lost or stolen belongings during your trip, the coverage limits and deductibles might not be sufficient for expensive items or extensive losses.
Types of Travel Insurance Policies
Understanding the different types of travel insurance policies available can help you choose the right one for your needs:
- Single trip policies: Coverage for one specific trip, with coverage duration typically ranging from a few days to a few months.
- Multi-trip or annual policies: Coverage for multiple trips within one year, with each trip usually limited to a specific number of days.
- Specialized policies: Coverage tailored to specific travel plans, such as adventure sports, cruises, or student travel.
Key Travel Insurance Coverage Options
Travel insurance policies offer a range of coverage options to protect you from various risks:
- Trip cancellation, interruption, and delay coverage: Reimbursement for non-refundable expenses if your trip is canceled, interrupted, or delayed due to covered reasons, such as illness, natural disasters, or airline strikes.
- Medical coverage: Coverage for medical expenses incurred during your trip, including doctor visits, hospital stays, and prescription medications. This is particularly important for international travel, where your existing health insurance may not provide adequate coverage.
- Medical evacuation and repatriation: Coverage for transportation to the nearest medical facility or your home country in case of a severe medical emergency.
- Baggage and personal belongings coverage: Compensation for lost, damaged, or delayed luggage and personal items.
- Rental car coverage: Protection against damage or theft of a rental vehicle, as well as liability for accidents involving the rental car.
Special Considerations and Exclusions
Travel insurance policies typically have specific exclusions and limitations that you should be aware of:
- Pre-existing medical conditions: Coverage for medical emergencies related to pre-existing conditions may be limited or excluded, so it’s important to disclose your medical history when purchasing a policy.
- High-risk activities: Coverage for injuries sustained during high-risk activities, such as extreme sports or adventure travel, may be excluded or require a specialized policy.
- Travel warnings and advisories: Coverage may be limited or excluded for destinations with active travel warnings or advisories from the government.
Choosing the Right Travel Insurance Policy
To select the best travel insurance policy for your needs, consider the following:
- Assess your needs and trip specifics: Determine the coverage you require based on your destination, trip duration, and planned activities.
- Compare coverage, limits, and deductibles: Review multiple policies to find the best balance of coverage, policy limits, and deductibles for your budget.
- Read the fine print: Understand exclusions and limitations to ensure you’re adequately covered.
Filing a Travel Insurance Claim
In the event of an emergency or issue during your trip, follow these steps to file a claim:
- Contact your insurance provider as soon as possible to report the incident.
- Gather documentation and evidence to support your claim, such as medical records, receipts, or police reports.
- Submit your claim within the required timeframe and follow up with your insurer as needed.
Travel Safety Tips and Precautions
While travel insurance provides financial protection, taking safety precautions can help prevent issues during your trip:
- Keep important documents and contact information handy, including copies of your passport, insurance policy, and emergency contacts.
- Stay informed about local laws, customs, and potential risks at your destination.
- Follow basic health and safety measures, such as staying hydrated, wearing sunscreen, and practicing good hygiene.
The Importance of Adequate Insurance Limits and Umbrella Policies
Underestimating the potential costs of an accident or emergency during your trip can leave you financially vulnerable, even with travel insurance. Consider the following when choosing your policy:
- Higher coverage limits: Opt for higher coverage limits to ensure you’re adequately protected in the event of a costly emergency or accident.
- Umbrella policies: Consider adding an umbrella policy for additional liability coverage beyond the limits of your standard travel insurance policy.
Having adequate travel insurance is crucial for protecting yourself and your financial well-being during your trip. By understanding the different types of policies, coverage options, and potential limitations, you can make informed decisions and enjoy your travels with peace of mind. Remember, at Page Insurance, we’re here to help you navigate the world of insurance and find the best policy for your needs. Contact us today to discuss your travel insurance options and get a quote.
You don’t need to travel far to find the best deal on insurance. It’s right here.
John Page, President of Page Insurance, has been a driving force in the insurance industry since 1999. 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 client 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, traveling with his wife and three kids, and cheering on the local Idaho Falls hockey team.
by benpage1974 | Apr 18, 2023 | Fun Stuff
Life is full of unexpected events, some good and some not so good. Have you ever wondered about the odds of certain things happening to you? In this blog post, we’ve compiled a list of 100 surprising statistics about the odds of various events occurring in your life. Some of these might be more common than you think, while others are quite rare. Read on to discover the odds of everything from being struck by lightning to winning the lottery.
- Dying in a car accident (lifetime): 1 in 103 (National Safety Council)
- Drowning (lifetime): 1 in 1,121 (National Safety Council)
- Contracting the flu (annual): 1 in 10 (CDC)
- Being diagnosed with diabetes (lifetime): 1 in 10 (American Diabetes Association)
- Becoming a victim of identity theft (annual): 1 in 15 (Bureau of Justice Statistics)
- Getting divorced (lifetime): 1 in 2 (CDC)
- Being born with a birth defect (lifetime): 1 in 33 (March of Dimes)
- Developing cancer (lifetime): 1 in 3 (American Cancer Society)
- Having your home catch fire (lifetime): 1 in 3 (National Fire Protection Association)
- Being diagnosed with an autoimmune disease (lifetime): 1 in 13 (American Autoimmune Related Diseases Association)
- Getting injured by fireworks (annual): 1 in 19,556 (National Safety Council)
- Dying from a bee, hornet, or wasp sting (lifetime): 1 in 59,507 (National Safety Council)
- Surviving a plane crash (lifetime): 1 in 29.4 million (PlaneCrashInfo.com)
- Being diagnosed with multiple sclerosis (lifetime): 1 in 350 (National Multiple Sclerosis Society)
- Having a child with autism (lifetime): 1 in 54 (CDC)
- Dying from a venomous animal bite (lifetime): 1 in 99,000 (National Safety Council)
- Dying in a tornado (lifetime): 1 in 60,000 (National Oceanic and Atmospheric Administration)
- Dying from an asteroid impact (lifetime): 1 in 74,817 (NASA)
- Developing Alzheimer’s disease (lifetime): 1 in 10 (Alzheimer’s Association)
- Dying from an airplane accident (lifetime): 1 in 205,552 (National Safety Council)
- Getting audited by the IRS (annual): 1 in 161 (IRS)
- Getting food poisoning from a restaurant (annual): 1 in 6 (CDC)
- Dying from a drug overdose (lifetime): 1 in 70 (National Institute on Drug Abuse)
- Developing Parkinson’s disease (lifetime): 1 in 100 (Parkinson’s Foundation)
- Dying in a flood (lifetime): 1 in 30,000 (National Oceanic and Atmospheric Administration)
- Dying in a car accident (lifetime): 1 in 107 (National Safety Council)
- Dying from a dog attack (lifetime): 1 in 112,400 (National Safety Council)
- Being a victim of identity theft (annual): 1 in 20 (Javelin Strategy & Research)
- Dying from hypothermia (lifetime): 1 in 7,770 (National Safety Council)
- Developing lupus (lifetime): 1 in 210 (Lupus Foundation of America)
- Dying in a volcanic eruption (lifetime): 1 in 14,000 (US Geological Survey)
- Dying from a snakebite (lifetime): 1 in 99,000 (National Safety Council)
- Being injured by a chainsaw (annual): 1 in 4,464 (Consumer Product Safety Commission)
- Dying in a boating accident (lifetime): 1 in 3,183 (National Safety Council
- Developing rheumatoid arthritis (lifetime): 1 in 28 (Arthritis Foundation)
- Dying from a lightning strike (lifetime): 1 in 138,849 (National Safety Council)
- Dying in a tornado (lifetime): 1 in 60,000 (National Oceanic and Atmospheric Administration)
- Dying from a spider bite (lifetime): 1 in 734,400 (National Safety Council)
- Developing multiple sclerosis (lifetime): 1 in 400 (National Multiple Sclerosis Society)
- Dying from a fall (lifetime): 1 in 127 (National Safety Council)
- Dying from a bicycle accident (lifetime): 1 in 4,047 (National Safety Council)
- Dying from a motorbike accident (lifetime): 1 in 846 (National Safety Council)
- Developing an autoimmune disorder (lifetime): 1 in 12 (American Autoimmune Related Diseases Association)
- Dying in a fire (lifetime): 1 in 1,474 (National Safety Council)
- Dying from a natural disaster (lifetime): 1 in 3,000 (United Nations Office for Disaster Risk Reduction)
- Dying from a venomous animal bite (lifetime): 1 in 99,000 (National Safety Council)
- Dying from a drug overdose (lifetime): 1 in 70 (National Institute on Drug Abuse)
- Dying in a flood (lifetime): 1 in 30,000 (National Oceanic and Atmospheric Administration)
- Dying in a boating accident (lifetime): 1 in 3,183 (National Safety Council)
- Dying from hypothermia (lifetime): 1 in 7,770 (National Safety Council)
These 100 surprising statistics offer a fascinating glimpse into the odds of various events happening in our lives. While some of these events may be relatively common, others are quite rare. It’s important to remember that these numbers are just averages and can vary based on individual circumstances. However, having a better understanding of the odds can help us make more informed decisions about our lives and the risks we choose to take.
Remember, when it comes to insuring your life and property, the team at Page Insurance is here to help you make the best decisions for your unique situation. Contact us today for a quote or to discuss your insurance needs.
Odds are you’re going to get a better deal by clicking 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 | Apr 18, 2023 | Insurance Tips & Tricks
Hey there, fellow pet lovers! We know how much our pets mean to us, and we want to ensure they’re protected in case of accidents, illnesses, or routine check-ups. Did you know Americans spend over $29 billion annually on veterinary care? That’s where pet insurance comes in. At Page Insurance, we’ve got you covered with homeowners policies that can include pet insurance, as well as other options. We’re here to help you determine the best way to insure your pets, considering your specific circumstances and preferences. So, let’s dive into the wonderful world of pet insurance!
What on Earth is Pet Insurance, Anyway?
The basics of pet insurance
In simple terms, pet insurance is like health insurance for your pets. It helps cover the costs of veterinary care, giving you peace of mind and financial protection when your pet needs it most.
Different types of pet insurance coverage
1. Accident-only coverage: This is for when your curious furball (or feathered friend or scaly buddy) gets into a bit of trouble, like breaking a bone or eating something they shouldn’t have.
2. Accident and illness coverage: This includes accidents AND illnesses, such as cancer, diabetes, or allergies. It’s a more comprehensive option for protecting your pet’s health.
3. Wellness and preventive care coverage: This coverage helps with routine stuff, like vaccinations, dental cleanings, and regular check-ups. It’s a great way to ensure your pet stays happy and healthy!
Real-Life Example:
Max, the adventurous pup, broke his leg after jumping off the couch. His accident-only coverage saved his owner thousands of dollars in surgery and rehabilitation costs!
So, How Do I Choose the Right Pet Insurance for My Pet?
Assess your pet’s needs.
Look at your pet’s age, breed, and overall health. Are they prone to certain health issues? Do they have any pre-existing conditions? These factors can help you decide which type of coverage is best suited for your pet.
Compare different insurance providers.
Shop around! Look at different insurance companies and the plans they offer. Pay attention to details like coverage limits, deductibles, and reimbursement percentages.
Consider your budget
Pet insurance costs can vary widely. The average monthly premium for accident and illness coverage ranges from $25 to $50 for dogs and $15 to $25 for cats. Determine how much you’re willing to spend on a policy and find one that fits your budget without compromising coverage.
How Page Insurance Can Help You Make the Right Choice
Homeowners’ policies with pet coverage
Did you know that some homeowners’ policies can include pet insurance? We can help you explore this option and see if it fits you and your pet well.
Other insurance options
Suppose a homeowners policy isn’t your right choice; no worries! We have other options available to make sure your pet is protected.
Tailored advice for your unique situation
Page Insurance is here to help you determine the best way to insure your pets based on your circumstances and preferences. We’ll work together to find the perfect solution for you and your beloved pet.
Stat Alert: Over 2.43 million pets were insured in the United States in 2020, and that number continues to grow!
So there you have it, a friendly guide to pet insurance, complete with real-life examples and stats! Remember, Page Insurance is always here to help you make the best decisions for your furry, feathered, or scaly family members. We understand that every pet owner’s situation is unique, and we’ll work with you to find the ideal pet insurance solution.
No matter what type of pet you have or your budget, it’s essential to be prepared for the unexpected. By investing in pet insurance, you can ensure your beloved companion gets the care they need without breaking the bank.
So, what are you waiting for? Call or drop by our office, and let’s chat about the best pet insurance options for your precious pet. We’re here to ensure your pets are protected, happy, and healthy for many years!
Happy insuring, pet lovers! Sniff out the best deal 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 John Page | Apr 18, 2023 | Fun Stuff
We all make mistakes, but some of us are more “creative” than others. Whether it’s a DIY project gone wrong or an over-the-top stunt, our potential for doing something outrageously dumb is limitless. Thankfully, insurance is there to save the day. Here are 10 real-life stories of people who did something incredibly dumb, only to be rescued by their insurance coverage.
The Homemade Cannon Catastrophe
A man decided to build a homemade cannon in his backyard. After setting it off, the cannonball went through his neighbor’s wall, causing extensive damage. Luckily, his homeowner’s insurance policy covered the property damage, and no one was hurt.
The Accidental Car Wash Flood
A driver accidentally hit the gas pedal instead of the brake while at a car wash, plowing through the car wash’s wall and flooding the business. The driver’s auto insurance policy took care of the damages to both the car wash and the driver’s car.
The DIY Bungee Jump
A thrill-seeker set up a homemade bungee jump from their roof, only to crash through their neighbor’s skylight. Fortunately, the bungee jumper’s homeowner’s insurance covered the damage to the neighbor’s property.
The Indoor Fireworks Show
A person decided to set off fireworks inside their home, causing significant fire damage. Despite the unusual cause of the fire, their homeowner’s insurance covered the damages and helped them rebuild.
The Overenthusiastic Dog
A dog owner left their excited pup alone for just a few minutes, only to find their dog had chewed through a water pipe. The resulting flood caused substantial damage to their home. Thankfully, their homeowner’s insurance policy covered the water damage.
The Lawnmower Launch
A DIY enthusiast modified their lawnmower to increase its speed, lost control, and crashed it through their garage door. The homeowner’s insurance policy covered the damage to both the lawnmower and the garage door.
The Jet Ski Joyride
A person took their jet ski for a ride on a public fountain, causing damage to the fountain and their jet ski. Their personal liability coverage under their homeowner’s policy covered the damages to the fountain, and their personal watercraft insurance covered the damage to the jet ski.
The Tree-Felling Fiasco
A homeowner decided to cut down a tree in their yard without professional help. Unfortunately, the tree fell onto their house, causing significant damage. Their homeowner’s insurance policy covered the cost of repairing the damage.
The Unfortunate Wine Cellar
A wine enthusiast decided to turn their basement into a wine cellar. They installed a cooling system without proper ventilation, causing the unit to overheat and start a fire. Luckily, their homeowner’s insurance covered the damages and the cost of rebuilding the wine cellar.
The Backyard Fire-Breathing Act
A person tried to impress their friends with a fire-breathing act in their backyard, accidentally setting their deck on fire. Thankfully, their homeowner’s insurance policy covered the damages and helped them rebuild their deck.
As you can see, even the smartest people can do some pretty dumb things. The good news is that insurance is there to help when our creativity gets the best of us. At Page Insurance, we understand that accidents happen, and we’re here to help you find the best coverage for your unique circumstances and preferences. Remember, even if you think you couldn’t do something dumb, other people around you might. So, it’s always better to be prepared!
Smart savings here.
John Page, President of Page Insurance, has been a driving force in the insurance industry since 1999. 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 client 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, traveling with his wife and three kids, and cheering on the local Idaho Falls hockey team.
by John Page | Apr 18, 2023 | Fun Stuff
After one of the worst winters on record in Idaho, Utah, and Wyoming, spring and summer are finally upon us. With the change in seasons comes a new set of risks and challenges. In this blog post, we’ll share our top 7 tips to help you minimize those risks and enjoy a safe and fun-filled spring and summer.
Inspect Your Roof for Damage:
Heavy snow and ice can cause damage to your roof during winter. As the weather warms up, it’s essential to inspect your roof for any damage, such as loose shingles or leaks. If you notice any issues, address them promptly to avoid further damage or costly repairs down the road.
Check Your Home’s Drainage:
The melting snow and spring rains can lead to flooding in some areas. Make sure your home’s drainage system is working correctly to prevent water from pooling around your foundation. Clear gutters and downspouts of debris and ensure that water drains away from your home.
Prepare Your Sprinkler System:
Before you turn on your sprinkler system for the season, inspect it for any damage that may have occurred during the winter. Check for broken or leaking pipes, sprinkler heads, and valves. Fix any issues to ensure that your system is working efficiently and conserving water.
Service Your Air Conditioner:
As temperatures rise, you’ll rely on your air conditioner to keep your home cool and comfortable. Schedule a professional service to clean and inspect your system before the hot weather hits, ensuring that it’s working efficiently and preventing any potential issues.
Protect Your Home from Pests:
Spring and summer bring an increase in pest activity. Keep your home protected by sealing any gaps or cracks in your home’s exterior, cleaning up yard debris, and ensuring your screens are in good condition. You may also want to consider professional pest control services if necessary.
Prepare for Flooding:
Flooding can be a significant risk in some areas of Idaho, Utah, and Wyoming during the spring and summer months. Prepare by having a flood emergency plan, stocking up on sandbags, and considering flood insurance if you live in a high-risk area.
Wildfire Preparedness and Prevention:
Wildfires are a concern in Idaho, Utah, and Wyoming, especially during the warmer months. Create a defensible space around your home by clearing dry vegetation and debris, pruning trees and shrubs, and using fire-resistant landscaping materials. Have an evacuation plan in place and ensure your family knows what to do in case of a wildfire.
By taking these steps, you can minimize the risks associated with the spring and summer seasons in Idaho, Utah, and Wyoming. Stay proactive and prepared, so you can enjoy a safe and enjoyable time in the warmer months. Contact our team of experts anytime.
John Page, President of Page Insurance, has been a driving force in the insurance industry since 1999. 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 client 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, traveling with his wife and three kids, and cheering on the local Idaho Falls hockey team.
by benpage1974 | Apr 18, 2023 | Fun Stuff
Idaho Falls is surrounded by beautiful landscapes, making it the perfect starting point for off-road adventures in your Jeep. (You know us Page boys love Jeeps!) In this blog post, we’ll share ten fun and challenging trails for Jeep enthusiasts to explore around Idaho Falls, along with some practical tips and mobile apps to help you find and enjoy these trails. So buckle up, and let’s hit the trail!
Kelly Canyon
Kelly Canyon is a scenic area with a variety of off-road trails suitable for all skill levels. The terrain is diverse, offering a mix of rocky sections, dirt roads, and steep inclines. Be prepared for some beautiful views of the surrounding mountains and forests.
Anthony Sand Dunes
Head to St. Anthony Sand Dunes for a thrilling off-road experience. This 10,600-acre playground of sand dunes offers challenging trails and stunning views of the desert landscape. Don’t forget to bring your sand flags and air down your tires for better traction in the soft sand.
Swan Valley – Palisades Area
Swan Valley and the Palisades area offer off-road trails with stunning views of the Snake River, Palisades Reservoir, and the surrounding mountains. The trail system has various difficulty levels, from accessible forest roads to challenging hill climbs.
Big Hole Mountains
The Big Hole Mountains are a fantastic destination for off-road adventures. The area has a vast network of trails, from easy forest roads to challenging, rock-strewn paths. Keep an eye out for wildlife, as the region is home to deer, elk, and moose.
Bone Road
Bone Road is a popular off-road destination near Idaho Falls, offering a variety of trails for all skill levels. The area features beautiful views, rolling hills, and plenty of opportunities for wildlife spotting.
Caribou-Targhee National Forest
The Caribou-Targhee National Forest has numerous off-road trails to explore, including Blackfoot River Road, Wolverine Canyon, and Dry Creek Road. You’ll encounter various terrains, from rocky sections to forested trails, providing plenty of challenges for your Jeep.
Hell’s Half Acre
Hell’s Half Acre is a unique volcanic landscape with rugged trails and fascinating geological features. This off-road destination offers a one-of-a-kind experience for Jeep enthusiasts, with challenging trails and awe-inspiring views of the volcanic landscape.
Pine Creek Pass
Pine Creek Pass is a beautiful off-road destination near Idaho Falls, offering a mix of easy and challenging trails. The area is particularly popular during the fall when the aspen trees turn brilliant gold, providing a stunning backdrop for your off-road adventure.
Tex Creek Wildlife Management Area
Tex Creek, Wildlife Management Area, offers off-road trails that wind through the rolling hills and sagebrush-covered terrain. The area is home to deer, elk, and other wildlife, making it an excellent destination for nature enthusiasts and off-road adventurers.
Teton Pass
Teton Pass is a high mountain pass that offers off-road trails with breathtaking views of the Teton Range. The trails here range from easy dirt roads to more challenging rocky sections, perfect for Jeep enthusiasts looking for a thrilling adventure.
Tips for Off-Road Adventures:
- Check weather conditions before you go: Before heading out on the trail, always check the weather forecast to avoid getting caught in unexpected storms or poor conditions.
- Pack essential gear: Bring recovery equipment like tow straps, a shovel, and a high-lift jack. Don’t forget a first aid kit, plenty of water, snacks, and a fully charged cell phone.
- Travel with a buddy: Whenever possible, travel with a friend or another vehicle, especially on remote trails. This ensures you’ll have assistance if you encounter any issues.
- Know your vehicle’s limits: Understand your Jeep’s capabilities and limitations, and don’t push it beyond what it can handle.
- Practice Leave No Trace principles: Stay on designated trails, pack out your trash, and leave the environment as you found it.
Mobile Apps to Help You Explore:
- Gaia GPS: Gaia GPS is an excellent app for off-road navigation, providing access to detailed maps, trails, and public land boundaries. The app allows you to download maps for offline use, making it perfect for remote areas without cell service.
- onX Offroad: onX Offroad is a popular off-roading app that helps you find trails, track your progress, and share your adventures. The app includes detailed maps with trail information, including difficulty ratings and seasonal access.
- AllTrails: AllTrails is a comprehensive app for finding trails and planning outdoor adventures. The app features off-road trails and allows users to read reviews, view photos, and save their favorite routes.
- Avenza Maps: Avenza Maps is a versatile mapping app that allows you to download maps for offline use. The app includes a variety of map sources, including USGS topographic maps, perfect for off-road navigation.
With so many incredible off-road trails to explore near Idaho Falls, it’s no wonder that the area is a paradise for Jeep enthusiasts. By following our practical tips and using helpful mobile apps, you can make the most of your off-road adventures. Grab your gear, pack up your Jeep, and head out to one of these fantastic off-road destinations for a day of adventure and fun. And remember, always practice responsible off-roading, stay on designated trails, and leave no trace behind. Happy trails!
Sid Page, the founder of Page Insurance, has over 40 years of experience in the industry. After working as a captive agent for a leading insurance corporation, he established Page Insurance in 1998. Specializing in Property & Casualty and Life, Health, and Disability insurance, Sid has received numerous awards for his client-first approach and community involvement. Passionate about meeting new people, Sid enjoys golfing, fishing, and spending time in the Tetons. He cherishes his family, including his wife, sons at Page Insurance, and beloved grandchildren.
by John Page | Apr 18, 2023 | Insurance Tips & Tricks
Personal liability coverage is an essential part of any homeowners insurance policy. While many people are familiar with the slip and fall premise liability aspect, there is much more to personal liability coverage than that. In this blog post, we aim to provide a deeper understanding of personal liability coverage and showcase various examples of when it might save the day. At Page Insurance, we believe it’s important to be informed about your coverage to ensure you’re protected in a variety of situations.
Did you know?
- According to the Insurance Information Institute, dog bites account for about one-third of all homeowners insurance liability claims, with an average payout of around $44,000 per claim.
- 75% of umbrella claims are related to auto accidents, but personal liability claims can also result from incidents on your property or damage caused by your family members or pets.
What is Personal Liability Coverage?
Personal liability coverage is the part of your homeowners insurance policy that provides financial protection if someone is injured or their property is damaged due to your actions, negligence, or accidents that occur on your property. It can also cover legal fees and medical bills associated with these incidents.
Examples of Personal Liability Coverage Saving the Day:
- Your child accidentally throws a baseball through a neighbor’s window, breaking it and damaging items inside their home.
- A guest at your home trips on a loose step, resulting in a broken ankle and medical bills.
- Your dog bites a visitor on your property, leading to medical treatment and potential legal fees.
- Your teenager accidentally damages a friend’s valuable artwork during a visit to their home.
- You unintentionally injure someone while participating in a recreational activity, like golf or tennis.
- A tree on your property falls and damages your neighbor’s fence or car.
- You accidentally cause water damage to your neighbor’s property while watering your lawn.
- Your child accidentally injures a classmate during a school event.
- A guest slips on an icy sidewalk outside your home and requires medical treatment.
- Your barbecue grill malfunctions and causes a fire that damages a neighbor’s property.
The Importance of Adequate Coverage and Umbrella Policies:
With the ever-growing costs of medical care, legal fees, and property damage, it’s crucial to ensure that you have adequate personal liability coverage in place. Standard homeowners policies typically offer personal liability coverage starting at $100,000, but at Page Insurance, we recommend increasing your coverage to at least $300,000 for all our clients.
In addition to increasing your personal liability coverage limits, we believe everyone should consider purchasing an umbrella policy. Umbrella policies provide an additional layer of liability coverage, usually starting at $1 million, and can protect you in the event that a claim exceeds your standard coverage limits. These policies are relatively affordable and can offer significant peace of mind.
What Personal Liability Coverage Does NOT Cover:
- Intentional acts that cause harm or damage
- Business activities conducted from your home (unless you have a specific endorsement)
- Damage to your own property
- Injuries or damage caused by a vehicle you own and operate (covered by auto insurance)
- Claims related to war, nuclear hazards, or certain natural disasters
Understanding the full scope of personal liability coverage and its various applications, as well as its limitations, is essential for every homeowner. With the right coverage in place, including potentially an umbrella policy, you can better protect your assets and your peace of mind. At Page Insurance, we’re here to help you navigate the complexities of personal liability coverage and ensure that you have the protection you need.
John Page, President of Page Insurance, has been a driving force in the insurance industry since 1999. 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 client 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, traveling with his wife and three kids, and cheering on the local Idaho Falls hockey team.
by John Page | Apr 18, 2023 | Insurance Tips & Tricks
Renting a car can come with several decisions, including whether or not to purchase the insurance the rental car company offers. Many people are unsure about this additional coverage and whether it’s necessary. Page Insurance is here to help you navigate this choice and provide recommendations based on our years of experience in the industry.
Coverage Extension from Your Personal Auto Policy:
Typically, your auto insurance policy coverage extends to rental cars. If you have full coverage on your personal vehicle, it will extend to the rental, while if you only have liability coverage, there would be no comprehensive or collision coverage to extend to the rental car. It’s essential to check with your insurance agent to verify your specific policy details.
Loss of Use Charges:
One aspect that many people may not be aware of is that the rental car company can hold you liable for lost income while the car is being repaired, which is called “loss of use” charges. Some personal auto insurance policies may not cover these charges. In such cases, purchasing the insurance offered by the rental car company could provide additional protection and peace of mind.
Page Insurance Recommendation:
In the final analysis, Page Insurance recommends opting for the coverage provided by the rental car company. While your personal auto policy may extend to rental cars, the additional advantages offered by the rental car insurance, such as covering “loss of use” charges, can provide an extra layer of protection.
Ultimately, the decision is up to you and depends on your unique situation. Consulting with your insurance agent and discussing your specific coverage and any potential gaps before renting a car is always a good idea. At Page Insurance, we are here to help you make an informed decision and ensure you have the right coverage in place for your needs.
Get a quote here.
John Page, President of Page Insurance, has been a driving force in the insurance industry since 1999. 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 client 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, traveling with his wife and three kids, and cheering on the local Idaho Falls hockey team.
by John Page | Apr 18, 2023 | Insurance Tips & Tricks
As the world changes, new risks emerge that may not be covered by your traditional home insurance policy. It’s crucial to stay informed about these potential gaps in your coverage. In this blog post, we’ll discuss 12 emerging risks that your home policy may not be equipped to handle.
- Electric Scooters: Accidents involving electric scooters have become increasingly common, and many homeowners’ policies don’t cover them.
- Golf Carts on Streets: Golf carts are now frequently driven on public roads, but they may not be covered by your auto or home insurance.
- Social Media Liabilities: Defamatory comments or online harassment can lead to lawsuits, and your home policy may not cover such liabilities.
- Home-based Businesses: Running a business from home may not be covered by your standard homeowners’ policy.
- Working from Home: Increased remote work can lead to more home office equipment and potential liabilities that may not be covered by your home policy.
- Ride-sharing and Home-sharing: Renting out a room or participating in ride-sharing may not be covered by your homeowners’ or auto insurance.
- Drones: Personal drone use is on the rise, but damage or injury caused by drones may not be covered by your home policy.
- Cybersecurity and Identity Theft: Cyber risks and identity theft are growing concerns, but your homeowners’ policy may not provide adequate coverage.
- Solar Panels: As solar panel installations increase, it’s essential to know if your policy covers potential damage or liability.
- Flood and Water Damage: There are more severe weather events, increasing the risk of flood and water damage not covered by standard home policies.
- Smart Home Devices: Smart home devices can pose unique risks that may not be covered by traditional home insurance.
- Wildfires: The risk of wildfires is increasing in many areas, and some homeowners’ policies may not provide sufficient coverage.
The world is changing, and so are the risks associated with homeownership. By being aware of these emerging risks and working with Page Insurance, you can ensure that your home insurance policy is up-to-date and provides the protection you need. Reach out to your Page Insurance agent to discuss your coverage and make any necessary adjustments. Remember, it’s better to be proactive than to discover you’re underinsured when it’s too late.
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John Page, President of Page Insurance, has been a driving force in the insurance industry since 1999. 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 client 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, traveling with his wife and three kids, and cheering on the local Idaho Falls hockey team.
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