Category: Home Insurance

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. 

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.