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State Farm® Insurance Agent

Charity Andersen

(208) 630-6134

Office Hours

Monday
9am - 5pm
Tuesday
9am - 5pm
Wednesday
9am - 5pm
Thursday
9am - 5pm
Friday
9am - 4pm
Saturday
Closed
Sunday
Closed
After Hours by Appointment

Address

409 S 3rd Street. First Floor
McCall, ID 83638-5177

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Would you like to create a personalized quote?

Continue a saved quote Items needed for a quote
File a Claim Send Payment

Office Info

Office Hours

Monday
9am - 5pm
Tuesday
9am - 5pm
Wednesday
9am - 5pm
Thursday
9am - 5pm
Friday
9am - 4pm
Saturday
Closed
Sunday
Closed
After Hours by Appointment
Call or text us 24 hours a day!

Address

409 S 3rd Street. First Floor
McCall, ID 83638-5177

Languages

English
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Cars for Quotes is Here!

🚗💨 Rev up your engines, car enthusiasts! CARS FOR QUOTES is here! Receive a Hot Wheels car when you snag an auto insurance quote from Charity Andersen State Farm! 🏎️✨ Whether you're looking to revamp your coverage or add to your collection, we’ve got you covered. 🚙📞 Call us or stop by!

Celebrate Independence and July Adventures with the Right Coverage – Serving Valley, Adams, Washington, Ada, and Idaho Counties!

July is here, and with it come fireworks, barbecues, and endless opportunities for summer fun! As we celebrate Independence Day and the freedom of the open road and great outdoors, now is the perfect time to embrace every adventure July has to offer. Whether you’re taking a patriotic cruise on your motorcycle, making a splash at the lake, enjoying golf cart rides around the neighborhood, or tackling off-road trails, make sure you’re protected every step of the way.

Summer Safety & Freedom: Why Specialized Insurance Matters

July is all about freedom, family, and fun—but adventure comes with responsibility. Having the right insurance for your recreational vehicles—motorcycles, boats, golf carts, and off-road rides—means you can focus on making summer memories while we handle the risks. Here’s how we’ve got you covered this Independence Day and beyond:

Motorcycle Insurance: Feel the wind and the spirit of independence as you ride this July. Our coverage protects you from accidents, theft, and more—so you can ride confidently wherever summer takes you.

Boat Insurance: Make waves this July 4th and all summer long! Whether you’re fishing, tubing, or just cruising, we’ll help you protect your vessel, so you can enjoy worry-free days on the water.

Golf Cart Insurance: From the golf course to July block parties, we’ve got you covered for accidents, liability, and theft. Roll into summer fun knowing you’re protected!

Off-Road Vehicle Insurance: Adventure is calling! Whether you’re exploring dirt trails or tackling rugged terrain, our tailored policies protect your ATVs, dirt bikes, and off-road vehicles from the unexpected.

Why Choose Us for Your Summer of Freedom?

As your trusted recreational markets agent, I’m here to help you make the most of your summer adventures—worry-free. Here’s why partnering with us is the smart choice:

  • Customized Coverage: Your recreational lifestyle is unique, and our insurance options are designed to fit your needs.

  • Competitive Pricing: Enjoy outstanding coverage tailored to fit your budget.

  • Expert Guidance: With years of experience in recreational vehicle insurance, I’ll help you find the perfect policy for your summer fun.

  • Quick Claims Support: If the unexpected happens, our hassle-free claims process ensures you get back to enjoying summer in no time.

July is the Month to Celebrate Freedom—Protect Your Adventures with a Quote Today!

FLOOD INSURANCE

Want to know more about Flood Insurance? We can help and provide the coverage you need!

Why Flood Insurance Matters:

  • Most standard homeowner’s insurance policies do not cover flood damage.

  • Floods are among the most common and costly natural events in the U.S., causing billions in yearly damage.

  • Just 1 inch of floodwater can result in $25,000 worth of damage.

  • 90% of U.S. natural events involve flooding (e.g., Hurricane Katrina).

What is Flood Insurance?

  • Flood insurance protects homeowners and renters from financial losses due to flooding.

  • Defined by FEMA (via the National Flood Insurance Program or NFIP) as water overflow affecting two or more acres or properties.

  • Covers damage caused by tidal waters, mudslides, inland water overflow, and rapid rainfall accumulation.

Key Details:

  • Standard homeowners/renters insurance excludes flood damage.

  • Available in NFIP-participating communities; use FEMA flood maps to assess risks.

  • Costs depend on factors like building age, flood zone, elevation, coverage amount, and deductible.

Is Flood Insurance Necessary?

  • Required for homes in high-risk flood zones.

  • Flooding can happen anywhere due to heavy rain or storms.

  • FEMA reports 49% of counties have experienced flooding in the last 5 years, with 1/3 of claims coming from outside high-risk zones.

How to Buy Flood Insurance:

  • Visit Charity Andersen State Farm McCall.

  • 30-day waiting period before coverage begins (exceptions apply for new purchases).

  • NFIP offers up to $250,000 for structure coverage and $100,000 for personal property; excess coverage is available from private insurers.

What Does Flood Insurance Cover?

Structural Coverage:

  • Home foundation, plumbing/electrical systems, HVAC, water heaters, and large kitchen appliances.

  • Permanently installed flooring, cabinets, and wallboards.

Personal Property Coverage:

  • Clothing, furniture, and electronics.

  • Separate deductible for structure vs. personal property.

Insurance Products Offered

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

Other Products

Banking, Annuities

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Life Insurance is the MOST important insurance available.

The mission of our agency to secure life insurance for all customers by providing individuals with the opportunity to protect their loved ones and provide financial security in the event of their death. This mission typically involves:

  • Educating customers: Share the importance of life insurance and the various options available to them.

  • Assessing customer needs: Insurance agents work closely with customers to assess their specific needs and financial goals. They consider factors such as age, income, debt, dependents, and future expenses to determine the appropriate coverage amount and type of policy.

  • Offering a range of options: Insurance agencies provide a variety of life insurance products to meet the diverse needs and budgets of their customers. These may include term or permanent insurance.

  • Having personalized discussions: Assist customers in making informed decisions about their life insurance coverage. This may involve explaining policy features, discussing riders or additional coverage options, and addressing any concerns or questions.

  • Ensuring affordability: Being respectful of your budget

  • Supporting customers throughout the process: Insurance agencies provide ongoing support to customers throughout the application process.

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Charity Andersen - Agency Owner

As an experienced insurance professional, I am dedicated to providing comprehensive insurance offerings to individuals and businesses alike. With 14 years of industry experience, I have developed a deep understanding of various insurance products and their intricacies.

My primary goal is to help customers navigate the complex world of insurance by assessing their unique needs and tailoring policies to suit their specific requirements. Whether it is auto, home, life, I leverage my expertise to guide customers towards the most suitable coverage options.

I pride myself on my ability to foster long-term relationships with customers built on integrity and transparency. I prioritize clear communication, ensuring that customers are aware of the terms, benefits, and potential risks associated with their insurance policies.

In addition to working directly with customers, I stay up-to-date with the latest industry trends and regulations. This enables me to provide accurate and relevant advice, ensuring that customers have access to the most current information available.

I am committed to providing exceptional customer service, always going the extra mile to address any concerns or questions that may arise. My goal is to make the insurance process as seamless as possible. If you are in need of insurance guidance or have any questions about your existing policies, I am here to assist you. Together, we can find something that meet your needs and protect what matters most to you.

I holds a bachelor's degree in business management and insurance licenses in Property, Casualty, Life and Health. In her free time, she enjoys boating and wake-surfing, snowboarding, traveling, reading and being with her family.

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