The #1 Insurance Mistake: Letting Coverage Lapse
If there’s one mistake I see over and over as an insurance agent, it’s letting coverage lapse. It might seem harmless at first. Maybe you forgot a payment. You might have switched carriers, sold a vehicle, or just got busy. But from an insurance standpoint, a lapse can create bigger problems than most people realize.…
Insuring Wood Stoves in North Idaho Shops and Garages
In North Idaho, it’s common for homeowners to heat shops, garages, and other detached structures with a wood-burning stove. The region experiences long winters. Many properties are located on acreage. As a result, a wood stove is often the most practical way to keep a workspace warm in areas like Coeur d’Alene, Hayden, Rathdrum, Post…
Why Homeowners Insurance Rates Are Rising in North Idaho
If you’ve noticed your homeowners insurance getting more expensive—or worse, receiving a non-renewal notice—you’re not alone. Across North Idaho, more homeowners are running into coverage issues than ever before. Even people with clean claims histories and well-maintained homes are being surprised by higher premiums, stricter underwriting, or carriers pulling out altogether. So what’s going on?…
