Thank you for all your help these past few years!

Shelley

I highly recommend Idaho Insurance Agency! They are always extremely helpful in finding me the best rates for all of my insurance needs, and the customer service is outstanding!

Priscilla

Working with Idaho Insurance Agency has been a pleasure. We had multiple challenges navigating through the health care network, and Charlotte and team were exceptional.

Dianne & John Ambrose

Heather is very knowledgeable and patient! She responds quickly and always does her best to get me the best rates possible. I highly recommend Idaho Insurance Agency!

Stephanie Rademacher

HOME/AUTO (PROPERTY & CASUALTY) INSURANCE

Property and casualty insurance protects you against losses to your home, car or business. These insurances are so essential, that it's critical that you know your options and contact professional broker consultants. Call us today at 208-377-7101 for your free quote regarding:

  • Home insurance
  • Auto insurance
  • Insurance for your toys

HEALTH INSURANCE

Making sense of today's complex health insurance agency is tough.

Luckily, the experts at Idaho Insurance Agency can help you not only better understand today's health care offerings, but also get the lowest-cost, highest-benefit plan for you. IIA specializes in:

  • Health Insurance Exchange sign-up
  • Policy benefits explanations
  • Claims assistance
  • Policy review at renewal

BUSINESS INSURANCE

As a business owner, you must have several types of insurance to protect your business and employees. Because every business owner and every business is unique and has a variety of risks that must be addressed, Idaho Insurance Agency experts can provide you with customized, personalized information about:

  • Commercial property insurance
  • Professional liability/E&O Insurance
  • Group employer insurance plans
  • Workers compensation insurance
  • Employee benefits

MEDICARE PROGRAMS

We offer almost all Idaho Medicare Advantage plans. We also provide in-depth and expert consultation on Medicare Supplements, Medicare Advantage and Prescription Drug plans through Blue Cross, Humana, Mutual of Omaha, PacificSource, Regence Blue Shield and Select Health.

  • Idaho Medicare Advantage plans
  • Medigap (Supplemental) Insurance
  • Medicare Prescription Drug plans
  • Medicaid Program Options

BUSINESS OF THE MONTH

The Krazy Coupon Lady

Welcome to KCL, where you can learn how to collect and redeem coupons to save BIG! We're young, savvy moms on a mission to slash our grocery bills by 50-90%!

www.thekrazycouponlady.com

Idaho Insurance Agency supports local businesses.
We are now proudly showcasing this Business of the Month on our website and Facebook page.
Check back each month and support our local businesses!

Home/Auto (Property and Casualty) Insurance

Automobile Insurance

Auto insurance isn't the simplest to understand.

Choosing deductibles, coverage levels and other options is not an easy task to figure out what plan best suites you. Don't you want to discuss your options with someone that understands your needs and is a live person? Why hassle with getting online quotes when you're not sure if you have the right coverage that fits your needs.

We want to be sure that you talk with someone that helps you pick the most affordable car coverage at economical cost. We will be sure the company that you choose is an A rated company so that you won't have issues when you have a claim.

We are here to help you after you have chosen your policy. We help with:

  • Review your car insurance policy documents
  • Changing your current auto coverage levels
  • Making payments online or sign up for automatic payments
  • Adding or removing automobiles from your policy

Homeowners' Insurance

When looking for affordable homeowners insurance you want to protect the largest purchase that you will make in your lifetime. Not only is your home your most valuable asset that you will purchase your mortgage company will also require you to purchase homeowners insurance. You also want to shop for homeowners insurance with multiple carriers not only to obtain the most affordable insurance but you also want to ensure that you are purchasing homeowners insurance from an A rated company. You can find the most economical insurance, but when it comes to making a claim you also want to be sure that the company you are with will assist you when you need them.

We will help find the company that best fits your needs in order to protect your home from fire, theft, accidents. Our homeowner's policies will protect you and gives you peace of mind. Also, typically your mortgage holder will require you to carry homeowners insurance in order to protect the mortgage that you have.

Homeowners insurance will cover you in case of damage to your home or your personal contents. Personal liability will protect you in case of someone hurting themselves while on your property.

Idaho Homeowner policies provide different protection depending on your needs, however standard policies typically provided:

  • Coverage for damage to your house and any permanent structures on your property (unless the cause of the damage is specifically excluded in your policy).
  • Damage to your personal property as specified in your policy.
  • Limited coverage usually $500 - $2,000 for items stolen from your home. (Be sure you check the policy to be sure what is covered under your policy. If you need additional coverage's for your prized collection, you might need a homeowners policy endorsement or rider).
  • Coverage for personal liability exposures that arise from being a homeowner.
  • Coverage for additional costs you might incur because of a covered loss (for example, if you need to temporarily live elsewhere if a fire makes your home uninhabitable).

We can help you if you live in a single family home, condo, mobile home or are renting a home.

Insurance for Your Toys

Motor Home / RV Insurance

Idaho recreational vehicle insurance covers more than motor homes, campers and travel trailers; having the right policy can also cover your passengers, valuables and other assets.

As much as you expend efforts to purchase your dream motor home, it is important to select appropriate motor home insurance policy. Legally speaking, you are required to have a certain minimum amount of coverage when you have your motor home registered. However, there are many insurance policies to ensure that your recreational vehicle obtains maximum coverage and protection.

It is important to choose a policy that incorporates the recreational value of your motor home and does not treat it as another automobile.

Whether your motor home or RV Insurance needs are travel trailer, fifth wheel, camper, or Class A Motor Home insurance, Idaho Insurance Agency offers you a variety of motor home insurance coverages.

Motorcycle Insurance

Whether you're an enthusiast or a first-timer, having fun, being responsible and being safe is what it's all about. Being responsible includes finding the right insurance for your motorcycle.

Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.

Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. At Still Creek Insurance, we have a variety of motorcycle policy options to meet your needs.

Boat Insurance

We offer boat and watercraft insurance coverage. Having the right boat insurance can help make your time on the water relaxed and worry-free! We will find you comprehensive protection that protects your investment.

Our agency specializes in writing insurance policies for Idaho boaters, so you can be certain we will provide you with the best protection available. We understand the differences between power boaters, sailors, and commercial fishermen, and we can tailor an insurance policy to your unique needs.

More so than most possessions, boats are at risk of a catastrophic loss. Having affordable Idaho boat insurance is a great way to protect yourself.

Health Insurance

We are the leader in providing high quality affordable Idaho health insurance. The current political push has changed Health Insurance Programs in Idaho and across the nation. Having someone who is an advocate for you and is keeping up with current legislation is critical during this time.

Being members of National Associations and Human Resources of Treasure Valley we are able to keep our members informed of the latest changes taking place. Having a collective of agents that specialize in affordable health insurance is key.

Individual Health Plans & Insurance

We offer Individual Major Medical Plans by Health Insurance Carriers that are approved by the Idaho Department of Insurance. We assist you in comparing cost, coverage and the insurance company.

Some of the Idaho health insurance carriers we utilize are:

Once you have chosen your plan we are there to assist you with any questions you may have whether you may have a question regarding coverage's or need us to help you through billing challenges. We are just a phone call away as we are an Idaho company.

We provide Idaho Health Insurance for individuals in the Treasure Valley. You are our focus and our commitment to you is personal satisfaction with many different option offerings.

We will meet with you or you may contact us by phone or email to explore your options. There's no cost or obligation for a consultation. We're ready to help!

Group Medical Plans

Individual Medical Plans
Provider Analysis
Diversified Funding Options
Prescription Drug Plans
Dental Programs
Group Vision plans
Short & Long Term Disability
HSA’s
Long Term Care
Senior Products
Medicare Advantage Plans
Medicare Supplements

Regulatory Compliance

COBRA
HIPAA
Mothers & Newborns
Federal & State
Individual Insurer Guidelines
Several Options Available

Life Insurance

Premier Company Lines
Personal & Group
Whole Life / UL
Term - Convertible Term Programs
Blended Products LTC / Life

Long Term Care

Top Insurers Only
Long Term Care Certified
Home Health Care
Facility Based "Skilled Carfe"
In-depth & Expert Consultation

Group Health Insurance

As an employer are you struggling with the vast changes?

Do you wonder what options are available under group employer plans?

Do you wonder what the advantages and disadvantages are of having group health insurance?

We offer many group health benefit services for employers such as group health plans, group dental plans, life and disability plans. We also have options of medical plans that pay first dollar benefits.

As Independent brokers we assist you in finding the plan that best suites your needs. We consult with you to assist in helping you choose a plan such as a buy down or HSA plans with various deductible choices. We offer resources at no charge to help you make choices for your company.

We work with the health insurance carriers that have been approved by the Idaho Department of Insurance.

Click here for Form 8941, Credit for Small Employer Health Insurance Premiums (click here for instructions)

Long Term Care

Long term care insurance can provide you and your family with the protection you need in providing for future long term care expenses. When considering long term care insurance you should consider what type of long term care plan will meet the needs if a long term care event were to occur to a family member.

Long term care insurance (LTC), is an insurance policy that generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer's facilities. To determine whether long-term care insurance is right for you, consider your personal risk factors, income, assets and costs to

It's important to start considering long-term care insurance policy that meets your needs. Insurers offer individuals in good health discounts that are locked in. So, even when your health changes, and everyone's does, you'll still enjoy the savings.

We are consultants first. We look at your needs and apply programs unique to your situation.

Life & Disability

With today's uncertainties of the future and the ability to replace income or pay outstanding debts a very real possibility life and disability insurance is a must.

Knowing what coverage’s you need and options newer hybrid plans offer is the most important decision you will make for your future. Let us help you by explaining your Life and Disability insurance options, not someone who doesn't know the options and is just trying to sell something.

Choosing a life insurance or disability policy can be a difficult decision for families to make, but it's an essential one for sound financial planning. Is your life insurance coverage adequate to meet your needs?

We can provide you with an Idaho life insurance quote that can provide for the financial protection of your family. Depending upon which type of life insurance you choose, you can experience a number of financial benefits.

When a breadwinner dies prematurely, the loss to the family can be tragic in many ways. Many families face financial consequences that can be met with having a comprehensive life insurance or disability policy.

We offer several types of life insurance to meet your needs:

  • Term insurance
  • Permanent life insurance
  • Whole life coverage
  • Universal life coverage
  • Limited-pay
  • Endowments
  • Accidental death

Dental Insurance

Do you know why you should purchase a dental plan?

Do you know that tooth decay is the most common chronic illness in children and affects far too many adults? Tooth decay can also lead to other diseases, like heart disease.

At Idaho Insurance Agency we have several low cost dental options available to choose from that can compliment your health insurance. We offer both individual and group dental plans from several insurance carriers.

Understanding what is covered by your dental insurance can be challenging. Coverage differs from policy to policy, and from plan to plan. In order to find out what your own dental insurance covers, you may contact our agency for a review of your policy. Basic dental insurance coverage includes three categories:

1. Preventive and diagnostic dental care

Almost all dental insurance policies cover basic dental costs that are meant to prevent dental problems. That is, most dental coverage covers a large part or all the dental costs associated with basic services such as cleaning, checkups, and other dental procedures meant to prevent tooth and gum disease. This can also be the most important type of coverage, as it helps encourage patients to seek regular dental care, which can prevent later problems.

2. Basic dental care and dental procedures

In most dental plans, dental insurance also cover basic dental procedures. This may include fillings, tooth extractions, fixing chipped teeth, and other such basic procedures. What your provider considers to be basic dental care may vary widely. Most dental plans do not cover teeth whitening. Some Since providers cover a significant portion of basic dental care, you will want to select a dental care insurance provider who covers as many dental care basics and procedures as possible.

3. Major dental care

While not all dental insurance plans cover major dental care, some do cover at least a portion of these costs. Major dental care can include procedures such as dental surgery, orthodontics, denture work, and other large, expensive dental procedures. If you will require major dental care at some point in the future, you may wish to look for provider willing to pay for as large a percentage of this type of care as possible.

Need help making sense of Health Care Reform? You've got it.

Idaho Insurance Agency can help you understand Health Care Reform laws.

Here are just some of the things we do to help you understand the new regulations and changes to your health insurance.

  • Track every stage of health care reform implementation using searchable, full-text collection of key documents related to the impact of the Patient Protection and Affordable Care Act of 2010 on the availability and regulation of health insurance.
  • Use a comprehensive implementation timeline to chart the various deadlines for reforms to insurance coverage, Medicare, Medicaid, the health care delivery system, provider and plan payments, financing, and compliance and transparency requirements from 2010 through 2020.
  • Find articles written by leading insurance experts and health care attorneys on hot topics, developing trends, and other important issues in health insurance benefits and regulation.
  • Understand the implications of federal and state court decisions regarding insurance coverage, ERISA litigation, HIPAA implementation, state regulations, and fraud and abuse.
  • Keep on top of new federal regulations from the Department of Health and Human Services, and the Center for Consumer Information and Insurance Oversight under the Centers for Medicare & Medicaid Services.
  • Read expert reports on the establishment of state health insurance exchanges, legislation, and regulations that affect health insurance companies, and actions taken by state insurance departments and the National Association of Insurance Commissioners to regulate insurance coverage and delivery.
  • Learn about insurance industry developments, trends, mergers and acquisitions, studies on health care and insurance costs, new benefit plan designs, HMOs, pharmacy benefits, health care technology costs and innovations, and other private sector developments.
  • Learn insurance company plans which are available "in and out" of the Idaho State Exchange and be able to discuss subsidy availability for those that qualify.
  • Be available to help with claims issues just like we have always been and help with any changes or questions that arise regarding your health plan.

Idaho Health Resources

Idaho State Government - The official website of the State of Idaho. Resources include Health and Family Assistance; Birth, Marriage & Death Certificates; Children; Disability; Health Services; Public Safety; Seniors; Trauma, Terrorism & Disaster; and Women.
USA.gov - Senior citizen resources.
Better Business Bureau - BBB Serving the Snake River Region.  Consumer and business reports, ratings, complaints and accredited business information.
Senior Solutions - In-home services for senior citizens in Boise City and Ada County, Idaho
Idaho Commission on Aging - Idaho Area Agencies on Aging, Idaho Senior Centers and Meal Sites.
AccuWeather.com - Boise Health Weather Forecast: Arthritis, Sinus, Migraines; Headaches; Allergies; Respiratory; Cardiac Health
Action for Healthy Kids - nonprofit active volunteer network fighting childhood obesity and undernourishment by working with schools to help kids learn to eat healthy, be active every day, and be ready to learn.
Meridian Chamber of Commerce - in the business of building relationships between business people, and between business, government and the rest of the community, in order to maintain a healthy economy and our excellent quality of life.
Happen Idaho - non-profit organization of healthcare professionals, involving over 190 companies and organizations in the Treasure Valley.
NAHU - National Association of Health Underwriters
Treasure Valley Care Planning Council - a single source of community care providers and advisers who help the public deal with eldercare needs.

Medicare Information

Official Medicare Website
MyMedicare.gov - Medicare's free, secure online service for accessing personalized information regarding your Medicare benefits and services.
Centers for Medicare & Medicaid
Medicare Forms, Help & Resources
Medicare Part D Coverage
Centers for Medicare and Medicaid Regulations and Guidance

Medicaid Information

Centers for Medicare & Medicaid

Other Federal Government Information

HealthCare.gov - Compare Health Care Quality - Tools to help you assess the quality of the care you’re getting
SHIBA Frequently Asked Questions (Senior Health Insurance Benefits Advisors)
Social Security - Extra Help With Medicare Prescription Drug Plan Costs - Medicare beneficiaries can qualify for Extra Help with their Medicare prescription drug plan costs. The Extra Help is estimated to be worth about $4,000 per year. To qualify for the Extra Help, a person must be on Medicare, have limited resources and income, and reside in one of the 50 states or the District of Columbia.

Idaho State Government Information

Idaho Department of Insurance - Services for People on Medicare
Individual Health Insurance Availability Act - Idaho Code, Title 41, Chapter 52, is the Individual Health Insurance Availability Act. The purpose of this act is to make health insurance coverage available to Idaho “eligible individuals” not covered by employment-based insurance. Idaho residents may be eligible for coverage regardless of their health status or claims experience.
Covering Idaho Kids is dedicated to increasing the enrollment of underserved Idaho children and teens in Medicaid and the Children’s Health Insurance Program (CHIP).

Consumer Services

USNews - Health - U.S. News reviews hospitals, nursing homes, health plans, and diets to help you make the best health decisions for yourself and your family.
Planning Your Doctor Visit
http://www.drugwatch.com/farxiga-invokana - Type 2 Diabetes Information
Recall Report

Senior Citizen Resources

List of Websites for Seniors - Provided by Medicare.gov
http://www.drugwatch.com/seniors - Senior Health Topics and Tips
Search by Insurance for Geriatric Care
Senior Care Resource Guide
Senior Health
Guide to Addiction Prevention for Seniors
Staying Healthy as a Senior
Resources for Ensuring a Long, Happy and Healthy Life

Business Insurance

As a business owner, you must have several types of insurance to protect your business and employees. We understand that every business owner and every business is unique and has a variety of risks that must be addressed.

Idaho Insurance Agency can help you understand your business Insurance options and also listen to your needs.

We provide business insurance solutions for businesses from a variety of insurance markets, for, Small Business, Business owners, Commercial Property, Residential landlords, contractors, and other commercial enterprises.

Our depth of knowledge and experience allows us to handle the insurance needs of your business and provide one of the most important features…responsive customer service. ​

Why Idaho Insurance Agency?

Idaho Insurance Agency is a business partner who will help educate you about your insurance options and your business unique make up. We will help you create a comprehensive business insurance portfolio that meets your needs and the needs of your employees. We help you assess risks and offer solutions that protect; many loopholes and/or variables can appear at any time, so we continuously help analyze, evaluate, and provide proactive support for your insurance needs. This goes a long way in allowing you, your employees and business to never feel vulnerable to a major loss. We work hard to be proactive, efficient, and continually trying to anticipate risk and liability that you may have not thought of.​

Commercial Property Insurance

Hard work and long hours ensure that your business stays up and running. This is why it's important to make sure your commercial property is protected, accidents happen, and the last thing you want to experience as a business owner is not having the right insurance and being under the wrong policy.

With a custom Property Insurance policy, you can ensure that the building and the personal property of your business are protected. From minor accidents, or a major financial loss. Idaho Insurance Agency can help you create a policy that will insure your small-to medium-size business from top to bottom.

  • Your building
  • Your inventory
  • All interior items (desks, Office furniture, etc.)
  • Outdoor signs on your property
  • On-site equipment, Computers, tools, machines, etc.

Many items that are typically found on a Property Insurance policy can include Builder's Risk insurance and Equipment Breakdown coverage. Builder's Risk protects any materials or equipment from damage or loss sustained during construction or remodeling, Equipment breakdown, or Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss. Some Additional Business Protection

In some cases, your business can save more by combining Property with Liability for the convenience of having your business needs met.

Commercial General Liability Insurance

Critical Assurance for the Protection of Your Business

Owning a business is a major responsibility that can have huge risks. You responsible for ensuring that your day-to-day operations run smoothly, but you are accountable for keeping your employees and property insured from unforeseen accidents, injuries and damages. At Idaho Insurance Agency we can help you create a policy that is specifically designed to safeguard your businesses best interests. This allows you to concentrate on serving your customers and increasing your profits.

Commercial General Liability Insurance will help prevent a major financial loss if your business or company is sued, or held legally responsible in the event of bodily injury or damage. The proper policy can have most medical expenses, attorney fees, settlements, and reimbursements covered.

Commercial General Liability Insurance can include:

  • On Premises Medical
  • Premises Liability
  • Fire Legal Liability
  • Casualty Coverage
  • Products and Completed Operations

Other types include:

  • Employment Practices Liability
  • Employment Practices Liability will protect your business if an employee's legal rights have been violated.
  • Garagekeepers Liability
  • Garagekeepers Liability coverage will protect customers' vehicles from fire, vandalism, theft, or other damages.

Additional Commercial Liability

Commercial Liability, such as Foreign, Liquor, and Concession Liability, can help protect the safety of your business's future.

  • Foreign Liability - Helps protect employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.
  • Liquor Liability - Covers damages and injuries that your business may be held legally responsible for, as result of serving liquor / from liquor establishments to office parties/special events.
  • Concession Liability keeps your special event stand insured from damage, accidents, and or, accidental injuries sustained to pedestrians.

In some cases, your business can save more by combining Property with Liability for the convenience of having your business needs met.

Commercial Auto

Peace of Mind for Businesses On the Road

Your business relies on its commercial vehicles and the employees who drive them. From long trips across the country to local deliveries, your mobile fleet takes on the open road to keep operations running smoothly. Unfortunately an accident or an incident could be just around the bend.

To prevent losing revenue due to an auto accident in your fleet, you will want to ensure that all of your vehicles, products, and drivers are insured properly. Weather it is property or vehicle damage, bodily injury, legal costs, and more.

We can create a customized policy that may include:

  • Collision Coverage
  • Uninsured and Underinsured Motorist Coverage
  • Personal Injury Protection (PIP) Coverage
  • Bodily Injury Liability
  • Medical Payments
  • comprehensive Coverage
  • GAP Coverage

Additional options:

  • Bailee coverage - Insures property loss or damage when in your company's care, control, or custody. An example: protection for items on a semi or delivery truck, service truck or car.
  • Commercial Auto Insurance coverage - Varies and it is on the list of "must haves" for your business. It is very important to discuss your business options with a commercial insurance specialist who can help you understand and apply the proper amount of coverage for all your commercial needs.

Commercial Umbrella

You can also protect your valuables by getting an additional policy called an umbrella insurance policy. We will help you determine if you need any additional insurance in addition to your standard homeowner's policy. For instance, if you have a claim that is over the amount of your current insurance you may be liable to pay the remaining balance.

One of the best ways to protect your valuables is by getting an additional policy called an umbrella policy. Our staff will help you to determine if this coverage would be wise to have in addition to your standard policies. For instance, if you have a claim that is over the amount of your current insurance you may be liable to pay the remaining balance.

Be sure that you have adequate coverage's to properly protect all of your assets i.e. home, auto, recreational vehicles, stocks, bonds and your savings. You don't want to be in a position that you are at risk of giving all your retirement savings away in order to pay a claim that could have been covered at a very low cost.

Basically, an umbrella insurance policies protect you from liability issues that may exceed the liability limits of standard insurance policies, such as your homeowner's insurance or car insurance.

Business Owner Policy

Combined Coverage for Special Advantages.

Idaho Insurance Agency is committed to providing insurance solutions that keep small to medium-sized businesses protected. We offer multiple coverage options and this allows for more options and more benefits than a typical Business Insurance policy, this can potentially offer better overall savings through competitive pricing.

A Business Owners Policy (BOP) is an insurance policy that combines Property, Commercial General Liability, Crime Insurance, as well as additional coverage types based on your needs. A Business Owners Policy will keep your day-to-day operations protected.

Travelers Insurance

Is Your Business is Eligible for a Business Owners Policy?

Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it's important to understand your options to see whether a BOP is right for your small or medium-sized business. Contact us today for an in-depth consultation -- 208-377-7101.

Workers Compensation

Keep Your Employees Protected

Great employees drive your day-to-day operations. You business depends on their hard work, expertise, and dedication. Supplying them with quality benefits and plans, allows them to work with the peace of mind assurance that they are properly protected.

The proper Workers Compensation plan can allow your business to ensure payments and cover expenses if an employee is injured. Whether from a work- related accident or injuries, to equipment malfunctions, and, in some extremely unfortunate cases, death we can help you understand and apply the correct plan for your needs.

Workers Compensation can help cover financial obligations of an employee such as:

  • The replacement of lost wages from injury time off.
  • An injured employee's medical expenses/treatment.

If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. Let a insurance professional at Idaho Insurance Agency find the right coverage options for all your business needs. Call us today - 208-761-0293.

Professional Liability

Professional Liability helps protect those providing professional advice and services from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit. Virtually any professional can find themselves subject to a liability lawsuit. If an individual is sued over professional liability, their personal assets such as homes, cars and other possessions are at potential risk.

Our professional liability policies can help you and your business pay defense costs and judgments that come from claims of professional negligence, error, or omission. errors and omissions insurance, also called professional liability insurance, protects you if a client claims that your services caused them to suffer a financial loss, also called professional liability insurance, protects you if a client claims that your services caused them to suffer a financial loss.

Professional liability insurance protects service-providing professionals in the event of a liability claim.

Surety Bond

A surety bond ensures contract completion in the event that a contractor defaults on completing the work contracted for. A surety bond is a signed document by the contractor and the surety company that assures the project owner the contract will be completed.

If you are a contractor, you may need to post a license or perhaps permit bond to guarantee your work for licensing requirements with municipalities.

As a business owner, you may need a surety bond to guarantee payment for taxes or utility bills.

Attorneys may have clients that are required to post court bonds such as administrators or executors bonds to guarantee performance while distributing assets in estate situations.

Notary publics are required to post bonds in most states.

Types of Surety Bonds

  • License & Permit Bonds
  • Public Official Bonds
  • Probate & Other Court Bonds
  • Miscellaneous Surety Bonds
  • Contract Performance Bonds

Fidelity Bond Policies - Blanket/Schedule

  • Types of Fidelity Bonds
  • Blanket Fidelity Bond
  • Schedule Fidelity Bond

This is only a general description of coverages of the available types of insurance and is not a statement of contract. All coverages are subject to the terms, provisions, exclusions and conditions in the policy itself and in any endorsements.Details of coverage, limits or services may not be available for all businesses and vary in some states.

Inland Marine

Inland marine insurance provides for loss to moving or movable property and is an outgrowth of ocean marine insurance.

An accident can happen at any time. You provide your business with the appropriate coverage it needs on the road. Call Idaho Insurance Agency today and we will help you discover how an Inland Marine Policy can help your business.

Inland marine insurance covers cargo in transit, storage or holding, providing more complete coverage to policyholders. Today, inland marine insurance is often used by people who are nowhere near the ocean and have no intention of carrying anything by ship.

Inland Marine covers items outside of your standard Business Property Insurance policy. Additional coverage that will keep your equipment insured off- site is critical. Coverage can also extend to protect your business's goods or equipment during transportation by ocean and air, also known as Ocean Marine.

Idaho Medicare Advantage Plans

We offer almost all Idaho Medicare Advantage plans. Our company offers In-Depth and Expert Consultation on Medicare Supplements, Medicare Advantage and Prescription Drug plans through some of the following Insurance companies.

Medicare Supplemental insurance is a kind of health insurance policy sold to fill the "gaps" in Medicare plan coverage.

Medicare Coverage Choices at a Glance

  • Hospital Insurance, called Medicare Part A, helps pay for 80% of hospital bills; you pay the remainder.
  • Medical Insurance, called Medicare Part B, helps pay for doctor bills.
  • Medicare Advantage Plan, called Medicare Part C, helps pay a portion of private health insurance plans.
  • Medical Insurance, called Medicare Part D, helps pay for some prescription drug coverage; you pay the remainder of the prescription charges.

Who is Eligible for Medicare

Most people who are 65 and older, and some younger people with disabilities, can get Medicare. You can call the Social Security Administration at 800-772-1213 if you are not certain you can get Medicare.

When are You Eligible for Medicare

If you are nearing 65, there is a seven-month period during which you can get Medicare. This is the case whether Medicare signs you up or if you need to sign up for Medicare yourself. This seven month period includes:

  • Three months before your 65th birthday
  • Month of your 65th birthday
  • Three months after your 65th birthday

This list is not a complete listing of plans available in your service area. For a complete listing please contact 800-MEDICARE or consult www.medicare.gov.

If you are looking to find an Idaho Medicare Insurance Agent that is an advocate for you, please give us a call so we help you with your Medicare needs.

About the Idaho Insurance Agency

Idaho Insurance Agency is located in Boise, Idaho. As a full service insurance agency specializing in Auto, Home, Health and Business insurance, we can help you with your insurance needs. From the most complicated commercial insurance program to the first home or auto purchase, our team of professionals is here to secure the right coverage at the right price for you, our valued client.

As a licensed Idaho health insurance broker, we specialize in providing the most affordable health care insurance choices in Idaho.

Our goal is to provide you with the highest level of personalized service backed by years of experience, integrity, and knowledge.

Insurance Specialties

  • Property and Casualty
  • Individual and Group Health Plans
  • Medicare Advantage and Supplement Plans
  • Long Term Care Policies
  • Life Insurance Policies
  • Disability Insurance
  • Dental Insurance
  • Annuities and Fixed Investments

Mission Statement

To provide you and your employees with the highest level of personalized service backed by 20 years of experience, integrity and combined knowledge.

Locations - Idaho, Oregon, Washington

Idaho Insurance Agency has agents that serve all of Idaho and are also licensed in the state of Oregon and Washington.

Affordable Insurance

Employer Group Insurance Plans • Self Employed Individuals • Seniors • Symetra a medical benefit that provides upfront benefits • Life Insurance Options • Employer Disability Options • Medicare

On Location Services

  • Enrollment assistance
  • Forms explanation
  • Informational benefits meetings

Idaho Insurance Assistance

Utilizing an agent to assist in determining health insurance needs gives people a big advantage. Foremost not only do we assist in choosing a plan we help people ongoing with claims issues, human resource advice, payroll assistance. There is no charge for this continuing service. We are paid by the health insurance carrier once the plan is placed so there is no additional charge to the person(s).

Reasons to Choose the Idaho Insurance Agency

By choosing one of our agents as your insurance consultant, you get experience and expert advice on any questions that may come up. There is a full staff to assist with any issues. Our company has appointments with all the major Idaho health insurance carriers and can provide advice and assistance.

Our Affiliates

  • Meridian Chamber of Commerce
  • Better Business Bureau
  • Happen Idaho
  • National Association of Health Underwriters

Our Team

Idaho Insurance Agency LLC
1650 S. Albright, Boise, ID 83709
Office: 208-377-7101 Fax: 208-344-9822

Charlotte Hildebrandt

Broker/Agent (e-mail)
Apply now at: http://brokers.bcidaho.com/007384BC

Charlotte Hildebrandt, an Idaho insurance agent, obtained her Health Insurance License in 2007 and started work with United Health Care specializing in Medicare supplements and advantage plans. She joined Intermountain Agency in 2009 and began offering Individual and Group Health Insurance. She began her health career specialty in the area of offering Medicare insurance options, Individual Health plan options and Employer Group Health Insurance options. The agency also offers Life Insurance options, Employer Disability, Property and Casualty options. She is currently licensed in Idaho, Oregon, Utah and Washington State.

Charlotte has a college degree in Business Administration; prior to her health insurance career she was an operations officer in the banking industry for 25 years. She has a current license for Health, Property and Casualty. Agents are required to maintain a minimum of 24 credit hours of certifications every two years. Charlotte is a member of NAHU (National Association of Health Underwriters). A former member of HRATV (Human Resource Association of Treasure Valley). She is also a member of the Meridian Chamber of Commerce and is a former Member of the Board of Directors for the Better Business Bureau.

stacia-250h_orig

Stacia Royster

Broker (e-mail)
Royster Insurance
Eagle, ID
Office: 208-867-5540
Fax: 208-938-6348
Apply now at: http://brokers.bcidaho.com/007759BC

After spending 15 years in the nuclear engineering field, Stacia broke away to start her own health insurance business in 2006.  She comes from a family of entrepreneurs and was drawn to being a small business owner herself.

As an independent broker, Stacia is offering the latest insurance solutions from the most reputable carriers. Stacia offers personalized expertise on the following plans with the goal of finding the best coverage at the most affordable price for you:

Stacia offers benefits in Individual and Family Health Insurance, Health Savings Accounts (HSA’s), Medicare, Dental Insurance, Vision Plans, Short-Term Medical, Disability Insurance, Life Insurance.

heather-250h_orig

Heather Stein

Account Manager (e-mail)

​Heather Stein joined Idaho Insurance Agency LLC in Boise, October 2012 as an Administrative Assistant. She recently accepted a promotion to the position of Accounts Manager.  She is currently pursuing a degree in Business Administration at the College of Western Idaho and will graduate Spring 2016. Heather has over fifteen years' experience in customer service and sales, as well as several years’ banking experience.

Heather obtained and added Property and Casualty insurance licenses in 2013, she recently added a Disability license to her portfolio. Heather assists Idaho Insurance’s clients with inquiries and assists in maintaining our office operations.

darla-250h_orig

​Darla Solorzano

Executive Agent (e-mail)

​Darla obtained her Property and Casualty License in 1996 and shortly after added her Life andHealth designation.  Darla has worked in the insurance industry for over 20 years, specializing in home and auto risk management plans for individuals and families.     She enjoys providing insurance solutions for her clients and getting to know them.

After serving in the Army, Darla moved to Miami, where she began her career in the insurance industry as an insurance sales agent and bookkeeper for the same company. After visiting family in Boise, she moved to Idaho in 1994.

Darla enjoys summering in Pine, ID, being outdoors, boating; ATV rides to the Trinities, and enjoys the winter months snowmobiling with family and friends.

Darla is a member of the Meridian Optimist Club and heads the Casino Fundraising Committee. She is also president of a long standing leads group, the Networking Professionals. She welcomes the opportunity to help you with your insurance needs and is a valuable part of Idaho Insurance Agency.

cindy-250h_orig

Cindy Vanden Broeck

Account Manager (e-mail)

Cindy joined Idaho Insurance Agency LLC in January, 2016 as a Customer Service Representative for Commercial Lines and Personal Lines.

Cindy received her Property and Casualty license in 1997 and specialized in Personal Lines until 2008, when she was promoted to Commercial Lines. In 2013, she moved to Southern California, where she furthered her career as a Commercial Agent/Account Manager, maintaining a top producer’s book of business.

Cindy enjoys spending time with her family, cooking, camping, hiking and exploring Idaho.

gail-250h_orig

Gail Duman

Property and Casualty Customer Service Representative (e-mail)

Gail joined Idaho insurance Agency in January, 2017 as a Property and Casualty Customer Service Representative and recently completed her Property, Casualty and Health Licenses.

Gail has lived in Boise, Idaho for the past 42 years.  She was born in Washington, and prior to her move to Boise, resided in Whittier and Anchorage, Alaska.

She started her Insurance career in 1987, and has 30 years of prior insurance experience which includes 7 years of service as a Marketing Manager for an independent insurance agency in addition to 23 years of insurance company rating, assistant underwriting and four years of team management experience.

Gail enjoys spending time with her family and grandchildren, music and gardening.

Contact Us

Please enter your name.
Please enter a valid phone number.
Please enter a message.

Phone: 208-377-7101

Email: hstein@idahoins.com

Address: 1650 S Albright, Boise, ID 83709