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If you’ve just purchased a new boat, you’re probably very proud. Nothing can be more exciting, as well as relaxing than taking your boat out on the water to fish and participate in other activities. You might have some questions about which types of boats require insurance and more. Infinity Insurance Group in Post Falls, ID is happy to assist.

What Types of Boats Require Insurance?

In most states, including Post Falls ID, boat insurance is optional. This is true regardless of the type of boat. You don’t necessarily need boat insurance, but insuring your boat is always a good idea. You can never predict when an event might occur that damages your boat, requiring it to undergo repairs. You could also have passengers aboard who need medical attention after an incident has occurred that caused them to become injured. 

Do You Use Your Boat Frequently?

If you use your boat on a regular basis, it’s a good idea to insure it because the more you use it, the more likely it is to sustain some type of damage or become involved in an accident. Having insurance can prevent you from needing to pay out of pocket for repairs or the medical bills of injured individuals. So, you really should consider boat insurance if you use your boat frequently. 

Consult With Us

As you can see, boat insurance isn’t required in Idaho, so if you live in Post Falls, ID and you’re in need of a new insurance company, you should consider Infinity Insurance Group. We pride ourselves on providing the absolute best customer service as well as coverage. Give us a call today, so we can provide you with a quote and answer any questions that you may have before getting your policy started. 

When you read an article talking about types of health plans, you might think we mean HMO or PPO. Most people think of health insurance as the major medical plan that their employer provides, but it also includes dental, vision, prescription drug plans, etc. Infinity Insurance Group offers an array of plan types to help you cover your medical care in Post Falls, ID.

Supplemental Health Plans

Supplemental health plans include any type of excess insurance or secondary coverage. Supplemental Medicare coverage that provides for doctor’s visits or prescription coverage counts as health insurance. When you add vision coverage or a dental plan to your health insurance package, the insurance industry also considers this health coverage.

Sometimes, an individual may add a second health plan that provides major medical coverage. This may be because their workplace plan lacks the coverage they need or so they can access added coverage limits for hospitalization. Although rare, Infinity Insurance Group can help you obtain a second full policy.

Other Types of Health Coverage

Long-term care (LTC) coverage also counts as health coverage. It provides for long-term hospitalization or rehabilitative care at a residential facility. You can purchase this type of secondary policy with a primary health insurance policy.

Contact Our Office Today

Contact Infinity Insurance Group serving Post Falls, ID to review your health insurance plan. Discuss your concerns, such as ensuring that your children won’t need to try to care for you in old age. LTC insurance can cover that. Let us know what your employer’s plan covers, and we can help you fill in what’s missing, like dental coverage. Call us today to get started.

In Post Falls, ID, no law states boat owners must have boat insurance. However, it is wise to look into whether the boat is on or off the water. The point of getting insurance is to handle the cost of replacements or repairs in the event of accidents or damaging misfortunes. 

Boats are not cheap and are a prize possession for their owners. Companies like Infinity Insurance Group can create policies to protect those prized possessions. The underwriters can specify scenarios that favor boats on and off the water.

Protection for Boats On the Water

On the water, the Coast Guard reported over 4,000 boating accidents in 2022. Since it is optional for boat owners in Idaho to have boat insurance, all damages from accidents are at the owners’ expense if they do not have it. 

Some companies that finance boats may require the owners to get insurance to protect the collateral. Having boat insurance can cover the owner from most out-of-pocket costs in an on-the-water accident.

Protection for Boats Off the Water

Things can become tricky when it comes to off-the-water damage to a boat. If the boat sits idle on the owner’s property, the property insurance may or may not cover damages. The same applies to the boat attached to the trailers on the vehicles if an accident occurs. There is only one positive answer if damage occurs to a boat off the water: to check with the insurance company policy.

Infinity Insurance Group Can Help

Every situation is different and requires inquiries into the details of coverage. Never assume a situation that is covered. The only sure way to know is to speak with us at Infinity Insurance Group, serving the Post Falls, ID area. Call us today and find out more information.