Post Falls Office
755 N Regal Ct
Post Falls, ID 83854

Local: (208) 773-7531
Toll Free: (877) 817-1406
Fax: (866) 800-5014


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Infinity Insurance Group

Post Falls Office

755 N Regal Ct,
Post Falls, ID 83854

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"By comparing multiple insurers, we deliver the best combination of price, coverage, and claims practices."

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Types of Health Insurance Plans

When you read an article talking about types of health plans, you might think we mean HMO or PPO. Most people think of health insurance as the major medical plan that their employer provides, but it also includes dental, vision, prescription drug plans, etc. Infinity Insurance Group offers an array of plan types to help you cover your medical care in Post Falls, ID.

Supplemental Health Plans

Supplemental health plans include any type of excess insurance or secondary coverage. Supplemental Medicare coverage that provides for doctor’s visits or prescription coverage counts as health insurance. When you add vision coverage or a dental plan to your health insurance package, the insurance industry also considers this health coverage.

Sometimes, an individual may add a second health plan that provides major medical coverage. This may be because their workplace plan lacks the coverage they need or so they can access added coverage limits for hospitalization. Although rare, Infinity Insurance Group can help you obtain a second full policy.

Other Types of Health Coverage

Long-term care (LTC) coverage also counts as health coverage. It provides for long-term hospitalization or rehabilitative care at a residential facility. You can purchase this type of secondary policy with a primary health insurance policy.

Contact Our Office Today

Contact Infinity Insurance Group serving Post Falls, ID to review your health insurance plan. Discuss your concerns, such as ensuring that your children won’t need to try to care for you in old age. LTC insurance can cover that. Let us know what your employer’s plan covers, and we can help you fill in what’s missing, like dental coverage. Call us today to get started.

Why Every Parent Must Enroll in Life Insurance

Having life insurance has become a must for everyone, but parents need to have one.  Your children depend on you financially, and you want to have a plan in place just in case you were to pass away.  But there are several other reasons besides unexpected tragedies why having a life insurance plan is a must.  We at Infinity Insurance Group serving Post Falls, ID are here to guide you on the right path to enrolling in a plan.

Raising Kids is Expensive

It’s no secret that raising children these days has become expensive.  One 2017 report from the U.S. Department of Agriculture shows that the average cost of raising a child from birth to age 17 is $233,610.  In the urban Midwest region, the average is said to be $227,400.  Since we’re in an inflation period, it’ll probably be more than that.  You have to factor in childcare, housing, education, food, clothing, entertainment, etc. when taking care of children.  Obtaining life insurance will help you put together the financial safety net you need.

You Need an Emergency Fund

If you’re a responsible parent, you probably put together a savings account for this.  However, having life insurance provides you with the added financial help your family truly needs.  If you were to pass away, life insurance helps provide your surviving family members with financial assistance with healthcare or with even some repairs to your home.

It Helps Prepare for Substantial Debts

When parents decide how much life insurance exactly they need, one of the things they factor in is their child’s education.  You may want to prepare financially for their future.  The cost of a college education has gone up 25% in the last decade.  Having life insurance will help you cover some of those expenses.

Contact Us For More Information

Enrolling life insurance is a must for any parent.  Let our office at Infinity Insurance Group help you find the right one.  Contact our Post Falls, ID office to schedule an appointment today.          

Boat Insurance On and Off the Water

In Post Falls, ID, no law states boat owners must have boat insurance. However, it is wise to look into whether the boat is on or off the water. The point of getting insurance is to handle the cost of replacements or repairs in the event of accidents or damaging misfortunes. 

Boats are not cheap and are a prize possession for their owners. Companies like Infinity Insurance Group can create policies to protect those prized possessions. The underwriters can specify scenarios that favor boats on and off the water.

Protection for Boats On the Water

On the water, the Coast Guard reported over 4,000 boating accidents in 2022. Since it is optional for boat owners in Idaho to have boat insurance, all damages from accidents are at the owners’ expense if they do not have it. 

Some companies that finance boats may require the owners to get insurance to protect the collateral. Having boat insurance can cover the owner from most out-of-pocket costs in an on-the-water accident.

Protection for Boats Off the Water

Things can become tricky when it comes to off-the-water damage to a boat. If the boat sits idle on the owner’s property, the property insurance may or may not cover damages. The same applies to the boat attached to the trailers on the vehicles if an accident occurs. There is only one positive answer if damage occurs to a boat off the water: to check with the insurance company policy.

Infinity Insurance Group Can Help

Every situation is different and requires inquiries into the details of coverage. Never assume a situation that is covered. The only sure way to know is to speak with us at Infinity Insurance Group, serving the Post Falls, ID area. Call us today and find out more information. 

Safe driving tips for new drivers

As a new driver here in the Post Falls, ID area, it’s important to practice safe driving habits at all times. Driving safely on the roads and highways can help prevent accidents and keep you and other drivers safe. Here are some tips from us at Infinity Insurance Group for new drivers on how to stay safe while behind the wheel.

Safe driving tips for new drivers

1. Adjust Your Mirrors

Make sure your side-view mirrors are adjusted so that you can see other vehicles in your blind spots. This will help ensure that no one is in an area of your car that you cannot see.

2. Take Your Time

Don’t rush when driving, especially if you’re a new driver. Take your time to become comfortable with the road and traffic conditions around you before picking up speed. 

3. Obey Speed Limits

 It’s important for all drivers, especially new ones, to obey speed limits at all times. Speeding increases the risk of an accident, so be sure to stay within the posted limits when driving. 

4. Stay Alert

 Don’t let yourself get distracted while driving; always keep your eyes on the road and remain focused at all times. Keep both hands on the wheel and don’t use a cell phone while operating a vehicle. 

5. Be Prepared

Being prepared is key to staying safe while driving. Make sure that your vehicle is in good working order, check tire pressure before each trip, and always make sure that your headlights are working properly at night or in bad weather conditions. 

Give Us A Call

Following these simple tips can help keep new drivers safe on the roads and highways. For more tips on how to stay safe in the Post Falls, ID area, give us at Infinity Insurance Group a call today!

Three things you’ll like about having commercial insurance

If you are a business owner, you need to insure your company. At Infinity Insurance Group, we offer commercial insurance in Post Falls, ID. 

Carrying commercial insurance makes your life easier as a business owner.

The following are three things you’ll like about having commercial insurance:

Worrying less about the financial future of your company

If your company is not protected with insurance coverage, your livelihood could be at risk. When you invest in commercial insurance, you don’t have to worry as much about your company’s future thanks to the fact that you are financially protected. 

Meeting legal requirements

Commercial insurance is sometimes required by law. Companies with employees usually need workers’ compensation coverage. Companies that rely on vehicles need commercial auto coverage.

If you don’t meet legal requirements regarding commercial insurance, you could face serious consequences. Carrying commercial insurance helps you to avoid penalties that could result from violating legal requirements to carry commercial insurance. 

Being able to acquire financing 

Being able to get the financing you need to grow your company is important. A lot of lenders require insurance coverage before they will approve a company for business financing. 

If you carry commercial insurance, you will probably find that it’s easier to acquire the capital you need to take advantage of opportunities and grow your company. Commercial insurance can therefore make it easier for your company to reach its full potential by seizing commercial opportunities. 

Reach Out To Us

If you need to insure your company in the greater Post Falls, ID region, get in touch with us at Infinity Insurance Group. We’ll provide you with a quote on a policy and answer any questions you have about your commercial insurance needs. 

Three rules to follow when you buy home insurance

Insuring your home in Post Falls, ID is essential. Infinity Insurance Group is a home insurance provider you can rely on for quality insurance. There are a few rules that it’s important you follow whenever you purchase home insurance.

The following are three home insurance rules to be aware of:

Don’t purchase a home insurance policy before getting a few different quotes

You should get quotes on different policies so that you can compare them. Choosing a policy that offers you value is important. 

When you get quotes, look at both the cost of individual policies and the quality of the coverage that they provide you with. Make sure you get quotes from a few different providers so that you know how much a competitively priced policy should be. 

Evaluate the value of the belongings you have in your home when you buy a policy

Having enough coverage to cover the full value of your belongings is important. That’s why you should evaluate the possessions within your home and increase coverage for personal belongings if you keep especially valuable items like electronics, collectibles, or jewelry in your home. 

Understand the limitations of your home insurance policy

Some homeowners don’t realize that home insurance policies don’t usually cover certain types of damage. For example, standard home insurance doesn’t usually provide coverage for damage from earthquakes or floods. 

Read over policy details carefully and make sure that you’re not assuming your policy comes along with coverage that it doesn’t offer. 

Reach Out To Us

Contact us at Infinity Insurance Group when you’re on the market for a home insurance policy in Post Falls, ID. Get in touch with us today, and we’ll help you find the right insurance solution for your property. 

Health Insurance Benefits You Might Be Unaware Of

When it comes to picking a health insurance plan, you might think all you need to compare are deductibles and premiums. The truth is, there are actually a lot of different types of benefits offered by different companies. Being aware of some of the benefits can help you make the insurance choice that is right for your family. At Infinity Insurance Group, serving Post Falls, ID and the surrounding area, we are here to help you make solid insurance choices.

Here are some health insurance benefits you might be unaware of:

Gym Memberships

Insurance companies know that to keep insurance and health care costs low individuals need to take personal responsibility for their health. This includes preventative steps such as staying active on a weekly basis. This is why many health insurance plans today are offering free or discounted gym memberships for clients. This is a great way to stay on top of your personal health and save money. 

Kids Programs

Another important aspect of health is to ensure that children are getting the activities and socialization they need. This is why some health insurance programs offer free or discounted memberships to kids programs. These can include Boys and Girls Clubs of America, YMCA programs, and even certain sporting programs. Be sure to check out great hidden benefits such as these when comparing plans. 

Mail Order Perscriptions 

Mail-order prescriptions are a great way to simplify your life and always ensure you have your meds when you need them. Many health insurance plans offer free or discounted mail-order prescription services. 

Give Us A Call

If you would like to learn more about health insurance, please contact us at Infinity Insurance Group serving Post Falls, ID and the surrounding areas. We will be happy to help you today.

How Whole Life Insurance Works

Everyone needs life insurance to provide for those we leave behind. It’s important to always have a policy in place just in case the worst should happen. When you’re interested in getting life insurance, you may have heard of term life and whole life policies. Term life policies work much differently, only being in place for a set number of years. However, many people prefer getting a whole life policy because of its many benefits.

If you want to know more about whole life policies, call us at Infinity Insurance Group in Post Falls, ID.

Your Whole Life

These policies are called whole life because it stays in place for your whole life as long as you keep paying for them. As long as the payments are made, the company can’t cancel the coverage no matter what age you reach. This is a solid benefit for those who don’t want to risk going without life insurance at the end of a term policy.

Because they cover you no matter how old you get, these policies are more expensive. However, they come with another benefit that makes them a popular type of insurance to have. 

Cash Value

As you continue with your whole life insurance policy, the policy will start to build a cash value after a few years. This amount grows over time. With this cash value, you can borrow it if you ever have a need to. This can help you out in a financial crisis. It can also give you peace of mind because you know it will be there if you need it. It can be used for a number of things to help you in a difficult financial situation.

Get Whole Life Insurance

When you need life insurance, whole life is a great choice. Call us at Infinity Insurance Group in Post Falls, ID.

What Factors Affect How Much Home Insurance I Should Carry?

One of the biggest misconceptions about home insurance is that you need to carry a home insurance policy based on the value of your home. This may be too high or too low, based on your specific home, as well as the items stored inside of your home. As such, you may be wondering how much insurance you really need to purchase. Here at Infinity Insurance Group, we can help residents in the greater Post Falls, ID region understand how much insurance they need.

Here are a few of the factors that may affect how much home insurance you need to carry:

The Replacement Cost of Your Home  

Most policies pay you the replacement cost to get your home back to its pre-accident condition. The replacement cost is not the actual value of your home, and as such, your policy may need to be higher or lower than the value of your home based on the replacement cost. 

Any Renovations Completed on Your Home

Another factor that you need to consider when determining how much home insurance to carry is any renovations that have been completed on your home. Your renovations change the replacement cost of your home and typically increase it. As such, if you complete a renovation, you should always consider adjusting your home insurance policy. 

The Value of the Items Stored in Your Home

Lastly, home insurance not only covers your home but the items stored inside. If you have high-end furniture, electronics, clothing, and jewelry, you may need more home insurance than someone who does not store expensive items in their home. 

Contact Us Today

An insurance agent can help you determine how much coverage you may truly need when it comes to home insurance. Reach out to us at Infinity Insurance Group, serving the greater Post Falls, ID area, to schedule an appointment to discuss your home insurance needs with one of our professionals. 

When Can I Buy Health Insurance?

Unless your job provides you with health insurance, you either purchase your policy during the open enrollment period or when a qualifying event occurs. Infinity Insurance Group wants you to fully understand your insurance options, so you can obtain the coverage you need.

When Can I Buy Health Insurance?

When You Start a New Job

When a new employer hires you, it provides health insurance through a group plan. You’ll typically have the same insurance plan as every employee at your place of business. The number of people covered by your policy varies. If you’re single, it only covers you. If you’re married or have children, you can typically add your spouse and/or your children to your health insurance policy. When you start your job, your employer provides the insurance paperwork that you must complete and submit by the due date. Signing up for your policy comprises one element of your onboarding process.

Open Enrollment

While the exact dates for open enrollment vary from week to week, typically, the US holds this during November, December, and the first two weeks of January. For the coverage year 2023, open enrollment begins on November 1, 2022, and ends on January 15, 2023. If your Post Falls, ID employer doesn’t offer health insurance because you’re a part-time employee or the business employs too few people to require it, you can sign up for insurance during open enrollment.

Qualifying Events

Perhaps your employer fired you or you got laid off. That ended your employer-provided health insurance. However, you don’t have to wait until November to purchase insurance because losing your existing health coverage qualifies as an event that lets you register for a plan at the time of the event. Even if you lose your job during the month of June, you get to purchase your health insurance policy in June. Other events that qualify you for a Special Enrollment Period that only applies to you, include marriage, pregnancy, delivering a baby, and adoption.

Medicaid and CHIP

The government-provided health insurance programs of Medicaid and Children’s Health Insurance Program (CHIP) offer running open enrollment. That means you can apply for either program for which you qualify at any time of the year.

Contact Infinity Insurance Group Today

Let Infinity Insurance Group help you obtain the health insurance you need. Call us, email us, or visit us at our offices. We offer health insurance that can help Post Falls, ID residents stay healthier.

Partner Carriers

  • Aflac
  • Allied Insurance Company
  • American Modern
  • Blue Cross of Idaho
  • Foremost
  • Gem State
  • GeoVera Insurance Company
  • Hartford
  • Idaho State insurance Fund
  • Kemper Preferred
  • MetLife
  • Philadelphia Insurance Companies
  • Progressive Insurance
  • Regence
  • Safeco
  • Travelers
  • Viking (Dairyland) Insurance Company