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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Protecting Belongings: Actual Cash Value vs Replacement Cost

When securing insurance for your personal property, one major decision is choosing between actual cash value (ACV) and replacement cost coverage. These are standard options in many home insurance policies. The two types of personal property coverage offer different benefits. Here’s a look at those differences.

Actual Cash Value: A More Inexpensive Option

ACV coverage compensates you for the value of your item at the time of loss, factoring in depreciation. For example, if you purchased a laptop three years ago, the payout would reflect its current market value, not the price you paid.

 This type of coverage generally results in lower premiums but also lower payouts. It might be suitable for those who want protection but are willing to accept a lower value for older items. Still, we at Infinity Insurance Group often don’t recommend it to Post Falls, ID homeowners because of the limited protection afforded. 

Replacement Cost: A More Robust option

Replacement cost coverage generally pays the amount necessary to replace lost or damaged items with a new one of similar type and quality. This personal property coverage option doesn’t deduct for depreciation. 

Replacement cost better ensures that you can fully replace your belongings. It tends to have slightly higher premiums, but most of the Post Falls, ID homeowners we at Infinity Insurance Group work with are willing to pay a little more for much more robust protection.

Making the Right Choice

Choosing between ACV and replacement cost coverage ultimately depends on your situation. Talk with one of our knowledgeable insurance agents, and they can help you think through the two options. We’ll ensure you get the right personal property coverage for your situation and the right other home insurance coverage you need.

Infinity Insurance Group’s Tips: Maximizing Home Coverage in Post Falls, ID

Living in Post Falls, ID, can provide you with gorgeous views, beautiful weather year-round, and so much more. When you look to protect your home, it’s important to consider your coverage with your home insurance policy. Infinity Insurance Group has a few tips for you to consider.

Consider Potential Issues

When you have home insurance, your goal should always be to have sufficient coverage to file a claim with minimal out-of-pocket expenses. To do that, you must explore all potential issues affecting your home.

Consider where you live, how often you entertain, the value of your belongings, and even the age of your home.

Some of the common claims that people file include:

  • Wind damage
  • Water damage
  • Fire damage
  • Break-ins
  • Property damage caused by neighbors or contractors

Once you’ve considered what could happen, you can start to equip your policy with more coverage.

Value Your Home

The value of your home can go up as you remodel, upgrade roofing, and more. Additionally, you want to consider the value of everything inside your home – furniture, electronics, keepsakes, and more.

Establishing a true value for your home and everything in it will ensure that your policy reflects that. Otherwise, you could spend more out of pocket on repairs and replacements.

Get Help from an Insurance Agent

Home insurance encompasses four aspects of coverage, including dwelling, other structures, personal property, and liability. However, how much goes into these coverage levels is entirely up to you.

To ensure you have considered everything, it is important to work with an insurance agent who will personalize your policy.

When you’re working to maximize your home coverage in Post Falls, ID, call Infinity Insurance Group. We’re here to help you every step of the way.

Floods, Earthquakes and Natural Disasters: How to Protect Your Home with Insurance

Living in Idaho offers residents an idyllic blend of natural beauty and outdoor adventures, which can lull residents into a sense of comfort and security. However, Idaho residents need to remember that the Gem State is not immune to natural disasters like flooding, earthquakes, and wildfires — so it is vital to protect your home and belongings from unforeseen events that can lead to unexpected losses.  

Infinity Insurance Group in Post Falls, ID can help! 

Protect Your Home from Weather-Related Damages

Snowstorms and freezing rain during the winter months can lead to heavy snow and ice accumulation that stress the roofs of homes, leading to roof damage or collapse in extreme cases. Ice-filled gutters and downspouts can cause ice dams, water leaks, and internal damage to walls and ceilings. 

Minimize the Impacts of Wildfires, Natural Disasters, and Floods

Flooding caused by severe thunderstorms can infiltrate foundations and damage electrical systems and HVAC services. Smoke and wildfire ash can also infiltrate Idaho homes and overload indoor HVAC systems. Please don’t wait until it’s too late to mitigate the impacts of unpredictable Idaho weather. Safeguard your Idaho home and protect your family and belongings with home insurance from Infinity Insurance Group in Post Falls, ID. 

Get Home Insurance Coverage in Idaho

The experts at Infinity Insurance Group can explain your options for home insurance coverage to protect critical elements of your home, like roofing and gutters. They can also talk to you about preventative home maintenance tips, winterizing tips, and techniques to help reduce the likelihood of weather-related mishaps during the colder months. 

We Are Here To Help

Contact a home insurance expert at Infinity Insurance Group to learn more tips and tricks for protecting your Idaho properties and get a free quote today! 

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. 

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. 

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