Questions and Answers

The following is a list of Frequently Asked Questions. If you have any more questions please contact any of our agents or CSR's.


Q. What does it mean that you are an Independent Agency?

A. We have the ability to work with many different companies to provide extensive coverage options for you and your family.


Q. Can I make payments over the phone?

A. You can make payments over the phone with most companies. We recommend you check with your agent or customer service representative.


Q. What holidays will your office close for?

A. New Year’s Day, Memorial Day, Independence Day, Labor Day, Veterans Day, Thanksgiving day, the Friday following Thanksgiving Day, and Christmas Day. If our office needs to close for any other days/time periods we will post that information on our web site and at the individual offices.


Q. How long do I have to get insurance on my auto?

A. According to Idaho state law, all new vehicles or their drivers must be insured by the first time you drive the vehicle. If this is not the driver’s first car, than the same coverages and limits from their previous car will extend to the new car for 14 days.


Q. What is the difference between Collision and Comprehensive Coverages?

A. Collision coverage will cover only damage to your vehicle in an accident, in which your car hits another car, building, or another permanently fixed object (i.e. a tree/fence) and you are to blame. Comprehensive Coverages covers all damage to your vehicle in which an accident doesn't’t take place, such as theft or fire.


Q. Is it true a higher deductible will lower my premium?

A. Yes, but depending on the policy the difference in premium can be a slight or large deduction.


Q. What is Broad form coverage?

A. This is a policy that insures you and not your vehicle. Generally, it only provides liability and will cover you, no matter which car you drive. Though if you drive a vehicle that belongs to another and that vehicle is insured, that insurance is the primary insurance and will cover damages first


.Q. What is the difference between Replacement Cost and Actual Cash Value?

A. Replacement Cost replaces the item or structure with that of like kind and quality , without a deduction for depreciation. Actual cash value is the cost to replace the item as is, this included's taking depreciation into consideration.


Q. What is a Protection Class and how does it effect my insurance?

A. A Protection Class is a ranking the state assigns to every physical address in relation to the nearest fully staffed fire station and fire hydrant. Insurance companies take this in consideration due to fire being one of the main forces behind large losses of structures. We try to stay abrupt on changes of protection classes in the area but we are sometimes we don't hear of everything and would love to hear from you if you have some information.


Q. What is an insurance score?

A. An insurance score is a combination of your credit score and insurance history that gives insurance companies a way to determine your financial responsibility history. While this helps companies determine such factors as rates and discounts it is not the sole factor in de terming your premium.


Q. I’m interested in joining the Pend Oreille Insurance Services, Inc. Staff. Are you hiring and how do I apply?

A. We are always interested in learning about potential team members who have an interest or a background in insurance. Resumes can be sent to and we will be happy to review them!