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

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.

Home Insurance Claim: Dos and Don’ts

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.

Is home insurance a necessity?

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. 

What every Post Falls, ID homeowner should know about renovations

Planning a home renovation can be full of fun activities such as finding the right paint colors and picking fixtures. But, whether you’re finally getting that dream kitchen or a bathroom make-over, Infinity Insurance Group recommends having a heart-to-heart talk with your insurance company as the renovations ultimately affect your home insurance policy. Some upgrades could lower your premiums, while others may increase it. Here is what you need to know about home renovations in Post Falls, ID.

Home Insurance Covers Renovations

Your home insurance covers renovations, but you will need to up your coverages if you increase the house’s square footage, add a hot tub, swimming pool, or create an in-house office. These substantial renovations could quickly leave you underinsured.

You Need to Inform Your Insurance Agent When Renovating

Before you begin any renovation, it’s always prudent to notify your home insurance company to ensure you’re adequately covered during and after the renovation. Remember your liability limits may not be sufficient if someone got injured while the renovation was going on. Take photos and videos of the renovation progress and save receipts and other documents required in the renovation process.

Your Contractor Should Be Insured

Your contractor should present a copy of their insurance policy before they start working. The policy should have adequate general liability, workers’ compensation, and professional liability coverages. Keep this copy until the work is done. If you need to hire different contractors for different areas, make sure they’re adequately covered.

You Need to Update Specific Areas of Your Policy

Home renovation can either increase or decrease your home insurance costs. Adding a security system, remodeling your kitchen or bathroom, or repainting your home all add value to your house, which generally lowers your premiums. However, if the remodeling affects space, building costs or increases accident risks, your premiums will go up. That means increasing your coverages to adequately cover additional risks.

Need to buy a new policy or update the existing one after a home renovation? Infinity Insurance Group can sort you out and ensure you are adequately covered. Contact us today.

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