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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Why You Need Comprehensive Boat / Watercraft Insurance in Post Falls

The insurance experts at Infinity Insurance Group discuss why boaters in Post Falls need comprehensive boat-watercraft insurance in the guide below.

Spending warm days swimming, boating, and fishing along local waterways can create lasting memories and relaxing fun. One of the best perks of living in Post Falls, ID is having easy access to beautiful public waterways like the Spokane River and Coeur d’Alene Lake. Protect your boating adventures by insuring your vessels with comprehensive insurance.

Local boat owners should ensure their investments to prevent financial fallout that can occur when cruising, fishing, and floating along popular waterways, resulting in accidents or damage, leading to high out-of-pocket expenses.

The Importance of Comprehensive Boat/Watercraft Insurance in ID

Many local boaters mistakenly assume their homeowner’s insurance policy will cover their boat or watercraft in an accident or unexpected event.

In most cases, this isn’t true, and local water enthusiasts will need to invest in a separate boat or watercraft policy to cover costly damages for repair and replacement associated with accidents, thefts, or vandalism.

Operating your boat or watercraft can be dangerous, as can the rapid onset of severe weather, crowded waterways, and unseen obstacles lurking just beneath the surface.

Protect your investment with a comprehensive policy that provides coverage for a variety of perils and protections, including hull damage, boating accidents, boat theft, natural disasters while boating, and liability protection for property damage.

Contact a licensed local insurance agent at Infinity Insurance Group in Post Falls, ID to learn what boat insurance coverage your vessel qualifies for and to get a boat or watercraft insurance quote today!

Does Home Insurance Cover My Home Workshop?

The level of coverage your home insurance policy provides for your home workshop depends on several factors, including whether you use your workshop for profit or hobby purposes and the value of your tools and equipment. Your answers to these key questions determine the coverage you will likely have and the steps to fully insure them. If you need home insurance that suits your needs, contact the Infinity Insurance Group, serving Post Falls, ID.

Hobby or For-Profit Workshop

Home insurance covers personal assets and activities. It does not cover business assets and activities, so if you use a home workshop for business purposes, your home insurance will not cover your workshop assets other than a standard $2,500 in total business assets commonly found in home insurance policies. If you use your tools for business purposes and treat them as business expenses, you should use commercial insurance to protect those assets. If your workshop is used for hobby purposes only, the value of those assets becomes the next consideration.

Home Workshop Value

Home insurance policies include various limits on the amount they cover for various losses. Like the $2,500 limit on business assets, your policy limits the amount it will pay for certain valuables, such as artwork, collectibles, and jewelry. Policies often set similar limits for tools, tool boxes, benches, and cabinets, with some set at $7,500. If you have a valuable workshop, discuss your situation with your agent. You will likely need to inventory the assets, determine their value, and buy a rider that extends your home insurance coverage.

Get The Infinity Insurance Group Difference

The Infinity Insurance Group team, serving Post Falls, ID, will structure an insurance plan that suits your needs. Call (208) 773-7531 to call our office today for an appointment.

The Benefits of Purchasing Your Own Commercial Insurance Company Instead of Using the Ones Offered By Rideshare Companies for Drivers

When you’re a rideshare driver, your vehicle is more than just a means of transportation—it’s your livelihood. Many drivers rely on the insurance plans offered by rideshare companies, but are those policies enough to protect you? At Infinity Insurance Group in Post Falls, ID, we believe taking control of your coverage with your commercial insurance policy is smart.

Comprehensive Coverage Designed for You

Rideshare company insurance often comes with gaps, leaving you vulnerable during specific times, like when you’re waiting for a ride request. These gaps could mean you’re personally responsible for damages if an accident occurs. With your own commercial insurance policy, you’re not at the mercy of limited protections. Instead, you can enjoy full coverage that ensures you’re protected no matter the circumstances.

Financial Peace of Mind

While rideshare insurance may seem convenient, it often comes with high deductibles and limited payouts. Purchasing your own policy allows you to select coverage that fits your budget and needs, giving you financial peace of mind. Whether it’s property damage, liability, or medical expenses, a commercial insurance policy ensures you’re prepared for the unexpected without breaking the bank.

Long-Term Benefits

Investing in your own insurance policy demonstrates financial responsibility, which can help you build a stronger risk profile over time. Plus, if you ever decide to transition out of rideshare driving, your personal policy is yours to adjust or maintain, unlike rideshare-specific coverage that only applies while working.

Ready to take control of your coverage? Contact Infinity Insurance Group in Post Falls, ID today to explore a commercial insurance plan tailored to your needs. Protect your livelihood and drive with confidence!

Home Insurance and Wildfire Coverage: The Impact of Changing Legislation

As wildfires become increasingly frequent and severe due to climate change in Post Falls, ID, homeowners face growing challenges in securing adequate insurance coverage. In response, governments are introducing legislation to address these risks and protect consumers. These changes are reshaping the landscape of home insurance, influencing policy availability, premiums, and coverage options for wildfire-prone areas.

Exploring Expanded Coverage Requirements

In many regions, legislators push for reforms requiring insurers to offer coverage in high-risk wildfire zones. This ensures that homeowners in vulnerable areas have options but raises concerns about affordability. Governments may introduce reinsurance programs or subsidies to offset the financial strain on insurers to share the risk burden and stabilize the market.

The Importance of Mitigation Efforts

Legislation increasingly ties wildfire coverage to mitigation measures. Homeowners who implement fire-resistant construction materials, maintain defensible space, and follow other safety guidelines may qualify for lower premiums or guaranteed coverage. These incentives encourage proactive risk reduction, benefiting both homeowners and insurers.

Addressing Challenges for the Insurance Industry

Despite legislative efforts, insurers face mounting challenges in sustaining profitability as wildfire claims surge. Companies have sometimes withdrawn from high-risk areas, prompting governments to intervene with regulations or establish state-run insurance pools. These measures aim to balance the need for affordable coverage with the financial realities of insuring wildfire-prone properties.

Navigating a Changing Landscape for Homeowners

For homeowners, staying informed about evolving legislation and taking steps to mitigate wildfire risks is crucial. Understanding how new laws affect insurance policies can help them secure comprehensive coverage and avoid unexpected gaps.

Contact Infinity Insurance Group for Your Insurance Needs

Infinity Insurance Group underwrites policies to meet customers’ needs. We serve Post Falls, ID, and the surrounding cities. Contact us today.

How to Maintain a Quality Health Insurance Policy in Retirement

The biggest question facing every person nearing retirement age is, "Do I have a quality health insurance policy?" The concern of outliving their coverage is a common one. The Infinity Insurance Group, serving Post Falls, ID, can assist in creating a policy that meets your health insurance needs.

Potential Medical Expense Costs in Retirement

Retired individuals should have access to some form of Medicare that pays for a significant amount of their medical expenses. However, out-of-pocket costs (premiums, copays, and deductibles) can add up if you do not have a quality health insurance policy. While planning for retirement, consider updating your existing health insurance policy or changing your coverage. First, you need a better understanding of what Medicare covers. This will help estimate the level of health insurance needed in retirement.

What Does Medicare Cover?

Most Medicare health plans cover a portion of your hospital stay and other medical service costs. However, they exclude vision care, hearing aids, and dental work. If you plan to travel abroad, Medicare will not cover prescription drug orders and emergency medical treatment that occurs outside the United States. Creating a personal health insurance policy can help limit out-of-pocket costs. This coverage is considered a private health insurance policy that bundles all the missing coverage from Medicare into one plan. Also, personal health insurance removes all restrictions on Medicare’s limited network of healthcare providers.

If you are creating a health insurance policy for your retirement years, contact Infinity Insurance Group of Post Falls, ID. Our staff has the experience and knowledge to create coverage that meets your health needs. Call and schedule an appointment today.

Protect Your Family With a Life Insurance Policy

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

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

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

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?

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. 

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