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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Protect Your Family With a Life Insurance Policy

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Protecting your family is crucial, and one of the most valuable ways to do so is through a life insurance policy. Infinity Insurance Group is here to assist if you’re in the Post Falls, ID area and are interested in learning more about coverage that suits your needs. Our agents can provide you with multiple quotes and answer all your questions, enabling you to choose a life policy that offers you and your family comfort and peace of mind.

While many people hesitate to discuss life coverage due to its uncomfortable reality, ensuring your family’s safety is paramount. This includes making sure they have what they need, even if you can no longer provide for them. Choosing a policy that allows them to maintain their standard of living and eliminate worry will give you confidence that you will continue to protect them adequately.

Our agents have various options for you to consider, helping you find the policy that provides what you need. Depending on the size of your family, whether you’re the sole provider and other factors, some policies will be much more suitable for your situation than others. With a trusted agent’s help, you don’t have to worry about whether you’re picking the right policy.

Contact us at Infinity Insurance Group today if you’re in the Post Falls, ID area and looking for a life insurance policy. Whether you’re getting coverage for the first time, updating an existing policy, or considering changing policies, our agents are here to help. We aim to ensure you have the confidence and security you’re looking for so you can keep your family protected for the future.

Liability Protection for Your Recreational Watercraft

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Investing in appropriate liability protection for your recreational boat is a wise move. Here, we look at some instances where liability insurance coverage will benefit a boat owner. For further assistance with tailored boat insurance policies, please get in touch with one of our Infinity Insurance Group agents.

Injuries Onboard

When people join you onboard your boat, there is always a risk of potential injuries, which could be impacted by the type of recreational activities undertaken. Such injuries might necessitate medical attention. A suitable liability insurance plan can provide you with financial respite in such situations. The coverage may reimburse medical bills you are obliged to handle resulting from injuries sustained by someone aboard your boat.

Watercraft Accidents

Navigating water bodies on your boat, you may encounter fellow boaters. The operation mode of your boat plays a significant role in whether or not you get embroiled in an accident.

Regardless of how safely you operate your boat, you risk getting caught in an accident caused by another boater. Here is where liability protection shields you. If an accident occurs and it is determined that you are at fault, the coverage will handle the costs you accrue. This safeguard ensures your legal compliance while you operate your recreational boat.

Issues During Transportation

If your plans involve towing your boat, adding liability protection to your insurance policy may be appropriate. The coverage extends protection against accidents occurring while you are towing your watercraft.

Modifying your Idaho Boat Insurance

Having gone through some key information about liability protection, if you feel the need to update your current boat insurance policy, our agents, serving the Post Falls, ID region, are ready to assist you. They can successfully incorporate the required liability protection into your prevailing policy.

Choosing Home Insurance For Your First Home

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Purchasing your first home can be an exciting and confusing time. You want to make all the right choices, and home insurance is definitely one of the important choices you must make. In serving Post Falls, ID and the surrounding areas, Infinity Insurance Group wants to help you make these crucial decisions. Here are some tips on choosing home insurance for your first home. 

Shop Around

Like most home services, you need to shop around to ensure you know all the different options. You should plan to take some time to do this research. You’ll want to read reviews of different companies, compare prices, and look into how they stand up historically to satisfy their customers. 

Amount of Coverage

Another crucial factor you need to consider is the amount of coverage you purchase. Home insurance isn’t just a one-size-fits-all service. Every home is different, and the personal belongings within that home have different values. You will need to meet with a home insurance professional to discuss how much coverage would be appropriate, considering your home’s value and the value of your personal items inside the home. It’s best to take the time to do this extra step to get the best coverage possible. 

Understand Your Policy Inside and Out

You will also want to spend a lot of time reviewing the policy and asking a lot of questions. You want to understand every detail of your policy, and if that means asking a lot of questions, that’s okay. The better you understand your purchase, the better you’ll be protected. 

If you’d like to learn more about home insurance, please contact us at Infinity Insurance Group, which serves Post Falls, ID, and surrounding areas.  

Protect Your Business with Commercial Insurance

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Business owners often juggle numerous responsibilities, including protecting their companies. However, they don’t have the time to fret about protecting their business, assets, and success. Fortunately, with the right commercial insurance plan and a reliable insurer, they don’t have to. That’s why businesses in and around the Post Falls, ID, area turn to the trusted and professional agents at the Infinity Insurance Group for all their commercial insurance needs.

Commercial Insurance for the Protection Companies Need

Commercial insurance is a comprehensive protection for all potential business risks, including unexpected events that can cause damage and expense. However, commercial insurance also enables business owners and managers to focus on other concerns—helping their companies succeed.

The key to obtaining the level of protection your business type requires starts with partnering with an experienced and professional insurance agency like the Infinity Insurance Group. Is your business covered? The good news is that you don’t have to guess or leave your business unprotected against potential claims, crises, or calamities with the right insurance plan.

Commercial Insurance Solutions in Post Falls, ID

Are you a business owner in or around the Post Falls, ID, area? Do you have questions about commercial insurance or need insurance solutions for your company? Our experienced, friendly, and professional team at Infinity Insurance Group can help. It would be best if you had the right commercial insurance solutions for the protection of your business needs and peace of mind. Contact us to learn more and schedule an appointment with our insurance specialists at the Infinity Insurance Group today.

Do I need watercraft insurance to use a marina?

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Watercraft insurance isn’t required in every state. The state of Idaho doesn’t require boat owners to carry watercraft insurance. However, you may still be required to carry it in some situations. Our team at Infinity Insurance Group is here to help Post Falls, ID residents navigate watercraft insurance and get the coverage they need. 

What is watercraft insurance?

Watercraft insurance includes insurance coverage for boats, yachts, and personal watercraft with motors with horsepower that meets or exceeds 25 mph. This insurance is designed to provide coverage for accidents that result in injuries to others, as well as coverage for damage you cause to other people’s property. This insurance also provides coverage for you if you are hurt or your watercraft is damaged by someone without insurance. You receive both liability protection and protection for yourself and your watercraft if an uninsured person damages your boat. 

Do I need watercraft insurance to use a marina?

Although watercraft insurance isn’t a legal requirement, it may be required to use certain marinas. Many watercraft owners would be unprepared to pay for damage to someone else’s watercraft or bodily injuries to others caused by an accident where you’re at fault. As a result, many marinas require boat owners to carry watercraft insurance to cover any bodily injuries or damage to their marina and other watercraft. Although watercraft insurance mayn’t be a state requirement, it may be required in different situations, including docking and using marinas and watercraft owners with boat loans. Lenders usually require watercraft insurance for watercraft owners who are financing their watercraft. If you have questions regarding watercraft insurance, we’d happily answer them. Call us. 

Protecting Belongings: Actual Cash Value vs Replacement Cost

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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.

Specialized Insurance Products for Commercial Business Owners

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Specialized insurance products protect businesses in specific situations. Review some products that will keep your business afloat during an unforeseen setback.

Product Liability Coverage

Product liability coverage offers protection if a product malfunctions or causes harm to a consumer. This type of coverage protects against defects that occur when a product is manufactured. It covers legal expenses that may ensue as a result of the defect.

Commercial Property Coverage

Business property coverage provides protection when a building or land used by a place of business is damaged or vandalized. It also covers machinery, inventory, furnishings, and other essentials that become inoperable due to damage or vandalism.

Business Interruption Coverage

Business interruption coverage provides funding to keep a business running during a crisis. It will pay for replacement materials, furnishings, and other essentials damaged by criminal activity or a natural weather event.

Employment Practices Coverage

Employment practice coverage provides legal protection. If an employee sues an employer, this type of coverage will be useful. The coverage protects against discrimination, harassment, wrongful firing, and other types of accusations that occasionally occur within a place of business.

Flood Coverage

Flood coverage offers protection against water damage. This type of coverage will cover costs associated with natural weather events that result in water damage. The coverage will pay for cleaning processes and the repair or replacement of inventory, machinery, and other essentials used within a place of business.

Contact Infinity Insurance Group

At Infinity Insurance Group, we protect business owners’ rights. Please schedule a consultation with one of our agents serving the Post Falls, ID, region to discuss your commercial business insurance needs.

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

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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.

Five Tips for Navigating Idaho’s Health Insurance Landscape

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Navigating the twists and turns inside Idaho’s health insurance landscape can be daunting. Trusted professionals at Infinity Insurance Group in Post Falls, ID, can help! 

Five Tips for Navigating Idaho’s Complex Health Insurance Landscape

#1. Research Plans 

The first step to choosing the right Idaho health insurance policy for you and your family is to research available health insurance plans to compare costs, features, and benefits. A trusted insurance agent can help you understand the complexities of premiums, deductibles, and co-pays. 

#2. Understand Coverage Options 

Make sure you clearly understand what services and procedures are and aren’t covered under your new insurance plan before completing enrollment. Familiarize yourself with policy terms and choose policies that offer coverage for services, providers, and procedures you and your family will likely use. 

#3. Stay In-Network

In-network and out-of-network coverage can vary drastically. Avoid having to visit out-of-network providers by learning which providers offer the services you need and choosing the plan that aligns with your family’s needs 

#4. Use Preventative Care Services 

The best health insurance plans in Idaho include provisions for preventative services for regular health screenings and wellness visits that can help prevent and detect the onset of early illness. 

#5. Update Your Coverage Annually 

As life changes, so can your healthcare needs. Idaho health insurance policyholders need to review their existing policies each year during open enrollment and make changes or updates as needed. 

Health Insurance Professionals in Idaho

Choosing the right Idaho health insurance policy doesn’t have to be complicated. Contact the licensed and knowledgeable professionals at Infinity Insurance Group in Post Falls, ID, to learn more about your options for coverage and get a free quote! 

Life Insurance for Your Life Today

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You may be under the impression that life insurance is just for the living after you’re gone. That can seem like a strange concept, but in fact, life insurance is something you can use strategically as part of your finances today.

How Life Insurance Can Benefit You, Your Family, and Your Business, Today

At Infinity Insurance Group, we offer our clients in Post Falls, ID and elsewhere a selection of life insurance that, as insurance professionals, we’ve reviewed for the quality of coverage and industry ratings. Let us explain the types of life insurance that are available and how each one has a specific role to play in your life.

Whole life insurance, for example, helps you build up cash value as well as prepare for the future benefit to those you designate. Term life insurance can be used to make sure things you’ve worked hard for, such as business and building a house, can be finished if you’re not able to. It can be difficult to envision preparing for situations like these, but it’s also an opportunity to ensure that your future plans are solid, even if the unexpected happens.

Focusing On Goals with Life Insurance

With an eye into the future, you may have goals like your child’s graduation from college, that you’d like to make sure happen without doubt. Part of your financial planning can include an affordable policy that covers the time when your child would be in college, addressing concerns of disruption due to family finances changing without your earnings. If you choose insurance with a cash value, you can have that available for the same purpose, offering a dual strategy.

At Infinity Insurance Group, we can help with your goals in Post Falls, ID, as well as provide protection.

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