Our agents at Infinity Insurance Group are here to protect your Post Falls, ID home from events like fire, theft, and natural disasters, just to name a few. By working with our dedicated insurance experts, you’ll be building a home insurance policy customized to fit your personal needs.
As you probably already know, some of the common events a homeowners policy in Idaho include:
It’s also important to familiarize yourself with some of the common coverages, which include personal property, dwelling, medical expense, and personal liability.
What’s NOT Covered?
But you might be wondering, “What’s NOT covered by a standard home insurance policy?” That’s an excellent question, and that’s exactly what we’re going to address in this post.
If you have a standard homeowners policy, it won’t cover damage to your home’s structure or damage to your personal property if the damage was caused by flooding.
The good news is that Infinity Insurance Group offers flood insurance from the National Flood Insurance Program. With this coverage, your home, personal belongings, and everything else that’s part of your home will be protected.
Another event that isn’t covered by your homeowners’ policy is damage from earthquakes, even though Idado experiences hundreds of earthquakes every year. Fortunately, you can add earthquake coverage to your existing home insurance policy.
Although your homeowners’ policy most likely covers certain kinds of water damage, it’s only covered if the damage is unexpected or sudden – and it only covers the damage up to a certain limit. Because a number of areas in Idaho experience heavy amounts of rainfall, adding water backup coverage and sump pump failure would be a smart thing to do.
Give Us A Call
If you’re interested in buying affordable homeowners insurance or you have more questions about what your policy will or won’t cover, contact Infinity Insurance Group in Post Falls, ID. We look forward to helping you and giving you the coverage you deserve.