Post Falls Office
755 N Regal Ct
Post Falls, ID 83854
Local: (208) 773-7531
Toll Free: (877) 817-1406
Fax: (866) 800-5014
info@infinityinsgroup.com

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Infinity Insurance Group

Post Falls Office

755 N Regal Ct,
Post Falls, ID 83854

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3 Way Commercial Insurance Helps Protect Your Business

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Commercial insurance can be kind of a broad umbrella, but it all helps protect your business and keep it running in the event of an accident or disaster. At Infinity Insurance Group, serving the Post Falls, ID area, we’re proud to help you navigate the sometimes confusing world of commercial insurance, and find the best policies for you and your business needs.

3 Way Commercial Insurance Helps Protect Your Business

1) Commercial property insurance helps keep your physical business safe

This kind of insurance works to protect your business from damages caused by fire, theft, burst pipes, explosions, or vandalism. Every business can benefit from having a good commercial property insurance policy, especially if they handle dangerous material, or the business may become a target for vandals.

2) Commercial liability insurance helps protect you and your business from lawsuits and medical costs

The business liability insurance works to protect businesses from claims resulting from normal business operations, including physical injury or property damage.

3) Commercial auto insurance helps keep your employees safer on the road

Commercial auto insurance helps to cover vehicles used for business purposes, be they cars, trucks, or vans. It also covers vehicles in the event of an accident or needed repair.

Give Us A Call

Contact us at Infinity Insurance Group today and we’ll help get you set up with the commercial insurance that will work best for you, your budget, and your business. We’re glad to serve the Post Falls, ID area, and are always happy to help. You deserve to run your business in peace, without worrying over what might happen in the event of an accident. Give us a call or stop in today and we’ll help you look after your business, now and in the future.

What’s NOT Covered by a Standard Home Insurance Policy?

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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. 

What’s Covered? 

As you probably already know, some of the common events a homeowners policy in Idaho include: 

  • Theft
  • Fire 
  • Lightning 
  • Hail 
  • Wildfires 
  • Vandalism 

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.

Understanding The Types Of Managed Care

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As if it wasn’t stressful enough to have to choose which health insurance to get every year, you have to understand a bunch of insurance terms and managed care. It is a lot for anyone who isn’t an insurance professional. At Infinity Insurance Group in Post Falls, ID, we do understand all the health insurance terms and we are here for you to make choosing the right policy easier for you.  

Types Of Managed Care

HMO (Health Maintenance Organization)

An HMO is the most popular type of managed care but it is also the most restrictive. The organization has a network of providers that the members must use. From those providers, you must choose a primary care physician who will manage your care. Make sure before you choose an HMO that your preferred primary care physician is in their network. In order to see a specialist, you will need to have a referral. The only time you can go outside the network is in the event of an emergency. 

PPO (Preferred Provider Organization)

In this type of managed care, you don’t need to have your care managed by a primary care physician. You can see a specialist without getting a referral. You will pay more to go outside the network, but that is a choice you are allowed to make. This type of coverage allows the most freedom. 

POS (Point of Service)

A POS is a combination of HMO and PPO. It is like an HMO in the fact that you need to have a primary care physician and you need to get a referral to visit a specialist. But like a PPO, you have some overage if you go outside of the network. 

Contact Infinity Insurance Group in Post Falls, ID to get the personalized service that only an independent insurance agent can provide. 

Are There Any Drawbacks To Life Insurance?

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The biggest risk of life insurance is that you won’t be around long enough to collect on the policy’s benefits. You can reduce your risk even more by purchasing term life insurance rather than a policy that pays out a lump sum in the event of your death. Term policies are much less expensive than whole life policies, but they do not offer any cash value that you can earn through investment. Term life insurance is often the best option for people in their 30s and 40s who want to purchase a policy but cannot afford the higher rates of whole life insurance. Infinity Insurance Group in Post Falls, ID is here to provide you with a guide.

What to Know About Life Insurance 

There are drawbacks to life insurance. The biggest one is the cost. Because life insurance is designed to protect your family in the event of your death, it comes with a hefty price tag. In most cases, it costs thousands of dollars per year to maintain a policy. Some people decide that the cost is worth the peace of mind it provides, while others cannot justify the expense. Another drawback is that some policies have exclusions. If you have a pre-existing condition, it may be difficult or even impossible to find a policy that covers you. Before purchasing a policy, make sure to review the fine print to determine what benefits it offers and what drawbacks it comes with. 

To get the most out of your coverage, it’s important to shop around and make sure you’re getting the best deal. You may be able to save money by choosing a shorter contract length, opting for a higher deductible, or selecting a more expensive benefit option. You may not need the maximum amount if you have other assets like property or investments that will generate income in the event of your death. It’s also important to ensure you’re buying the right type of life insurance. You may not need a policy that pays out a lump sum if you have other assets. Finally, you also have to keep track of your policy and make sure you renew it when necessary. 

Give Us A Call 

With life insurance, premiums can vary widely, but they can often be quite expensive. Having a pre-existing medical condition also brings a hurdle to getting coverage. Another potential drawback is that most life insurance policies do not provide a lump sum payment if you die. Instead, the money from the policy will go towards paying off any debts or expenses that you had at the time of your death. For any assistance, give us a call at Infinity Insurance Group in Post Falls, ID.

Is Auto Insurance Required in Post Falls, ID?

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If you’re a vehicle owner in Idaho, there’s a good chance you’re wondering if auto insurance is required in Post Falls, ID. The simple answer is yes. Here’s everything you need to know about car insurance in the Gem State.

Personal Vehicle Insurance is the Law 

Most states require some level of coverage for drivers, and Idaho is no different. The state has some of the most stringent requirements in the nation. All drivers in Idaho must maintain a minimum level of coverage to operate a vehicle legally on public roads.

The required minimums are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
  • Uninsured/Underinsured Motorist Coverage is Optional

While the minimum coverage requirements are necessary to drive in Idaho, they may not be enough to protect you and your loved ones in a severe accident. An Infinity Insurance Group agent can help you determine the right coverage amount to avoid fines and penalties in Post Falls, ID.

Other Coverage Options

That’s why Idaho also offers uninsured/underinsured motorist coverage. This coverage will help protect you if the other driver is at fault and doesn’t have insurance or if their policy doesn’t cover the full cost of your damages.

Besides the state requirements, you may also want to consider other types of coverage to help protect your vehicle. Some of the most common options include:

Collision Coverage: This type of coverage will help pay to repair your vehicle if it’s damaged in an accident, regardless of who is at fault.

Comprehensive Coverage: This coverage will help pay to repair or replace your vehicle if it’s damaged by something other than a collision, such as a fire, theft, or vandalism.

Contact Infinity Insurance Group in Post Falls, ID today to learn more about your policy options. We’ll help you find the right coverage to fit your needs and budget.

Commercial Insurance Breakdown

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Infinity Insurance Group is an independent agency. We are committed to helping our clients find the coverage they need to navigate life’s risks. We work with multiple carriers throughout Post Falls, ID and beyond. We are confident that we can help you find a custom policy that suits your personal situation.

Commercial Insurance Breakdown

The Post Falls, ID economy thrives based on the success of small businesses. As a local business owner, you’re likely brainstorming to help improve your business. Commercial insurance helps take some pressure off of your shoulders. Accidents can happen at any moment. Commercial insurance protects you if your property suffers damage due to an accidental fire. You are also covered if your equipment is stolen or damaged. Liability coverage is a significant part of your policy. There is likely high activity at your business every day. Liability coverage protects you if one of your customers suffers an injury while visiting your property. You are also covered if your products damage someone’s property. Workers’ compensation protects your business against potential litigation involving an employee injury. If one of your employees is injured on the job, workers’ compensation will cover their treatment. A strong workers’ compensation policy can also help you attract top talent.

You can round out your commercial insurance policy with different types of coverage depending on your needs. Commercial auto insurance covers any vehicles that you use for business-related endeavors in the event that something goes wrong. Emergency interruption coverage is another option to consider. This type of coverage protects your business if your place of operations suffers serious damage. Emergency interruption coverage assists your business by helping your business continue to function while the repairs are made.

Infinity Insurance Group Will Help You Cover Your Assets

Contact us today to learn more information about commercial insurance.  

Home Insurance Claim: Dos and Don’ts

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Home insurance offers coverage for Post Falls, ID homeowners in the event of an unexpected disaster. In the event that disaster does strike, it isn’t uncommon for homeowners to be confused as to how they should file a claim with their insurer. Infinity Insurance Group wants all homeowners to be more familiar with the claims process, so here are a few dos and don’ts that will help the process go more smoothly.

Do Take Photos of the Damage

Photos will offer the evidence your insurer needs to determine your actual need for coverage (a payout). These pictures will show the extent of the damage. When taking these pictures, make sure to do so from multiple angles to ensure you capture everything.

Don’t Procrastinate Filing Your Claim

If you wait too long to file your claim, the damage and cause of the damage may be unable to be verified, leaving you responsible for the repair or replacement cost. You should file your claim as soon as possible, but each insurance company will have its own requirements for filing. Therefore, make sure to consult with your insurer to find out their filing deadlines. In the end, though, it is best to give your insurer a call as soon as possible after the damage occurs to increase the chance of receiving adequate coverage from your policy.

Do Include Plenty of Details

After an event occurs, you will want to take note of everything that occurred. No detail is too small, as it assists the insurance company in performing its investigation. Make sure to take note of any additional expenses, and ensure you have the receipts from these expenses. This helps to increase your overall chance for reimbursement and aids the insurer in determining the final total.

If you have any questions or are in need of home insurance in Post Falls, ID, contact us at Infinity Insurance Group.

How Custom Auto Insurance Works

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Infinity Insurance Group is an independent agency. We assist the Post Falls, ID community, as well as the surrounding areas. We work closely with multiple carriers across the region. This allows us to offer flexible policies that evolve over time as our client’s needs change. We are committed to providing excellent customer service and promoting integrity.

How Custom Auto Insurance Works

Auto insurance covers you as you travel around Post Falls, ID and other parts of the state. Collision coverage protects you if your vehicle is damaged in an accident. Comprehensive coverage protects you if your vehicle is stolen or damaged due to a fire or natural disaster such as a hurricane. Liability coverage is important. An accident can occur at any time. Liability coverage protects you if you are held responsible for injuring someone in an accident or if your vehicle hits a pole or wall and causes property damage. Liability coverage will assist with any repairs or medical treatment due to the accident.

Many Idaho drivers enjoy customizing their vehicles. If you have made custom changes to your vehicle, you will have to amend your auto insurance policy to cover the changes. If you have made some changes to your engine, you may be considered more of a high risk driver. An enhanced engine allows you to drive faster, which increases your chances of being involved in an accident. Consider adding more liability coverage. You should also amend your comprehensive policy to cover you if your custom car is vandalized. Storage coverage is another option to consider adding. Storage coverage protects your custom vehicle while you have it parked at a facility.

Infinity Insurance Group Will Help You Cover Your Assets

Visit our website to learn more information about auto insurance.  

Buying Commercial Insurance

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Commercial insurance is an essential aspect of any business. Your business is one of your greatest assets, so it makes sense that you would speak to the Infinity Insurance Group serving Post Falls, ID about protecting your assets.

When buying commercial insurance, you first need to look at the state-required insurance for businesses. In ID, workmen’s compensation insurance is a type of liability insurance for if employees become ill or injured at work or due to work and is required by law.

When you are buying insurance, you need to be very clear about your requirements. Where is the most risk to your business, and what type of business are you in? A bakery store will have different insurance requirements when compared to an auto repair shop or a factory.

Do you have a lot of assets that need protection from theft, vandalism, or damage? What are the values of these assets? To insure your assets correctly, you need to know their worth.

Where are you open to the possibility of liability? Cover these well. Legal liability can often break a business, and legal costs and settlements can cost millions of dollars. Certain liability policies will include financial cover for defense costs.

Do you have vehicles that you use for your business? Are these correctly insured, and are your drivers correctly listed? If you are home-based and use your personal vehicle for business purposes, you may not have adequate insurance.

It is not enough to buy commercial insurance; you need to review your commercial insurance annually or whenever there are big changes in your business. Speak to the Infinity Insurance Group serving Post Falls, ID and ensure your business and assets are correctly and adequately covered.

Is home insurance a necessity?

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Home insurance is a policy that covers losses and damages incurred by an individual in their house or the house itself. Infinity Insurance Group serving Post Falls, ID and its environs, is an insurance company that substitutes for the interior, the exterior of the house, loss or damages incurred due to wear, or any injury caused due to damage to your house. Damage to your home can get caused by incidents like fire, theft, lightning, wind, hail, falling trees, or vandalism. Don’t hesitate to contact our dedicated agents at Infinity Insurance Group and get a customized quote on your home insurance that matches your needs and budget.  

Is Home Insurance a Necessity?

Home insurance is a worthwhile asset that is a must-have for any homeowner in Post Falls ID. This is because accidents are unpredictable and, at the same time, very expensive to cover without insurance. A fire can cause a total loss. Therefore, to be safe, a home insurance policy is necessary for the following reasons:

1. It provides additional living expenses. In case of a total loss and the conditions do not allow you to live in your home, Infinity Insurance GroupPost Fall ID offers insurance cover that pays for your bills as you reside in a different place. It could be a hotel or a residential rental home.

2. It instills peace of mind. Knowing that your home is protected helps you and your family live happily with less stress of fishing your savings to pay for losses in your home. Peace of mind leads to a happy mind and life.

3. It offers liability protection. Suppose another person is injured, or their property is damaged, and you are at fault. In that case, the insurance company helps pay for their medical bills and any replacement or repair needed on their property.

4. It offers asset protection. Your home is one of the most expensive assets you have. Loss and damage are heartbreaking. Infinity Insurance Group situated in Post Falls, ID helps to protect your assets in case of an accident by either repairing or rebuilding your house.

Prevention is better than cure. Please call or visit Infinity Insurance today! We offer insurance policies for your home, automobile, or business at an affordable fee. It will be costly to fish cash from your pocket to cater for all the damages and losses associated with injuries at home. 

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