WindRiver Insurance

One of the most common insurance mistakes parents make this time of year is adding a teen to the household's vehicle before the policy has been reviewed. Not intentionally, just under the assumption that the policy automatically handles it. It may. It may not and the gap between those two outcomes matters more for teen drivers than for almost any other coverage update.

If a student in your household is getting behind the wheel this summer, a ten-minute conversation with your agent is worth having now. Not because something will go wrong because the conversation costs nothing and the alternative might cost a great deal.

Call (208) 656-2322 or visit windriverins.com to review your coverage.

Today we remember the men and women who gave their lives in service to our country, and the families who carry that loss every day. Quiet on the feed today.

Homeowners insurance is one of the biggest protections most families have, yet many people have never fully reviewed what their policy actually covers.

In simple terms, your policy usually includes coverage for your home, other structures, personal belongings, liability, and specific exclusions like flood damage, earth movement, wear and tear, or certain mold situations.

One detail that matters more than most people realize is whether your policy covers replacement cost or actual cash value. One helps rebuild or replace what you lost at today’s cost. The other factors in depreciation. That difference can have a major impact during a claim.

If you are not sure what your policy includes, your renewal is a great time to review it and make sure your coverage still fits your needs.

Call (208) 656-2322 or visit windriverins.com to review your coverage.

One of the most common insurance mistakes is assuming you're covered for more than you actually are. Having homeowners insurance doesn't always mean full protection, every policy has limits, details, and exclusions.

Sub-limits on jewelry, electronics, or cash. Separate deductibles for wind and hail. Flood and earth movement often excluded entirely.

The difference between "replacement cost" and "actual cash value" showing up on a total-loss check. None of this is a reason to panic. It is a reason to pull the policy out and actually read it, or to sit down with your agent and walk through what is in there.

A quick review now can prevent costly surprises later.
Call (208) 656-2322 or visit windriverins.com to review your coverage.