Insurance Services
Insurance Services
Individual and Family
Homeowners
It’s true – you can’t borrow for a house without having homeowners insurance in place. But that’s not the most important reason for homeowners insurance. Security for your family, peace of mind for you while safeguarding what you value are all more important reasons to have homeowners insurance. There is much to consider when it comes to homeowners insurance, and we will guide you through the process of making sure you have the right coverage. In todays market, coverages vary by each insurance carrier. Let us advise you on the coverage you need.
Renters
Renters insurance covers personal belongings at the dwelling you are renting. It helps provide peace of mind in the event your items are damaged or destroyed. Let us assist you in providing coverage to protect your belongings.
Life
Life is complicated… but insurance doesn’t have to be. At Dahmann and Associates, we work hard to explain the options and help you develop a coverage strategy that is right for you and your loved ones. Let’s discuss your needs today.
Auto
Auto insurance is one of the most common of all insurances, and consequently, its importance is often overlooked in terms of making sure the appropriate coverage is in place. We’ll take the time to understand your situation before providing you with solutions. Our approach is to obtain the right coverage for the right price on your behalf.
Boat
Often categorized as marine craft, you’d really miss your boat if something happened. And let’s face it, there are some inherent risks in water travel. There is insurance available to protect you from the financial impact of on-water accidents, and we’re just the agency to find you the right coverage.
Personal Liability
Most people have more personal valuable possessions than they realize. Items like jewelry, cameras, sporting equipment, musical instruments, computer equipment and other collectibles add up quickly. A personal insurance policy can provide the additional coverage needed to ensure your possessions are protected. Let us tailor insurance coverage for you.
RV
We offer coverage for all of your RV (recreational vehicle) needs, campers, boats, trailers, and more. Let us design the coverage, and you take care of the fun.
Motorcycle
Ride a motorcycle? You’re probably passionate about it if you do. Can you imagine if you couldn’t ride it because your neighbor backed into it and HE wasn’t insured? Let us help you protect yourself against uninsured drivers and other potential hazards to bikers. Then you can get back on the road.
Umbrella
There are times (and reasons) that homeowners and automobile policies simply will not provide adequate coverage for the policyholder. In those situations, an Umbrella Policy can go a long way toward providing the additional coverage needed to protect your assets (and your income). We’ll gladly provide an analysis of your situation to determine if an umbrella policy is right for you (and if it is, you definitely should obtain one).
Builders Risk
Builders Risk provides coverage for your home while your home is under construction. This coverage will provide the cost of labor and materials to build back to the point at which it was damaged. This will also cover building materials on sight which were intended to be used in the construction of your home.
Rental Property
Do you own rental property? Single family, multi-family, or seasonal rented? Coverage for these types of risk can be confusing and limited. With our experience in this area, we can help you to properly insure your rental property as well as the liability exposure it presents.
Farm & Ranch
Ranchette
Ranchettes (2-40 acres) including a house, out buildings, machinery, and livestock, have been popping up all over Texas by Texans that want a little piece of that true Texas experience. We provide insurance coverages that will meet all criteria, so you don't have to worry about your little piece of what we call heaven.
Farm and Ranch Liability
Whether you farm as a hobby or farm hundreds of acres, we can offer package policies for your home, buildings, equipment and more.
Farm and Ranch Equipment
We offer flexible coverage options for your trucks, trailers, or other licensed farming. And, you may be eligible for seasonal use discounts. This coverage can also include things like off-road vehicles, farm products, animal liability, and many other items and considerations.
Barndominium
The term “barndominium,” is a combination of “barn” and “condominium.” A barndominium is a metal, dual purpose building with roll-up doors that can hold large farm equipment, boats or recreational equipment as well as everything you need to call it home. We have unique coverage for that covers new builds and old, and we can also cover farm animals, farm machinery, and multi-acre lots
Farm and Ranch Property
Unique coverage for the rural homes that Texans love. Rural home insurance brings together the old and the new with available coverage for your barndominium, ranchette, farm animals and farm machinery on multi-acre lots.
Farm and Ranch Liability
This policy is written as a companion policy to your Rural Property policy. Coverage is intended for normal exposure for legal liability or defense cost arising out of the day to day operations of your farm or ranch.
Farm and Ranch Umbrella Policy
The Umbrella Policy is designed to cover catastrophe-type claims. This type of policy provides coverage in excess of your other underlying policies. The umbrella is a unique policy with its own provisions and limits. It normally provides $1 million or more in coverage. It covers losses from bodily injury and property damage liability in excess of the insured's primary policy. This policy covers liability from farming and ranching operations.
Farm and Ranch Outbuildings
Sometimes it can be hard to find an insurance carrier who will cover outbuildings you use to store hay, grain, or farm and ranch equipment, but Dahmann and Associates can provide you the coverage you need for these types of buildings. Let us help you get the coverage you need to support your storage buildings.
Builders Risk
Builders Risk coverage provides for your home or outbuildings while they are under construction. This coverage will provide the cost of labor and materials to build back to the point at which it was damaged during construction. This policy also covers building materials on sight that were intended to be used in the construction of the home or outbuilding.
Business and Commercial
Commercial Property
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.
General Liability
Critical Assurance for the Protection of Your Business
Owning a business is a major responsibility that can have huge risks. You are 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
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. Whether it is property or vehicle damage, bodily injury, legal costs, and more.
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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
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.
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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.
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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 -- 979-836-4142.
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.
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Professional liability insurance protects service-providing professionals in the event of a liability claim.
Workers Compensation
This is a state-regulated insurance program that protects injured workers and employers in the event of an on-the-job injury. Workers Compensation provides the best protection against the consequences of on-the-job injuries, for you and your employees.
