Here are some common mistakes:
-Thinking flood & earthquake is covered (it’s not usually included)
-Not insuring for high enough coverage on a total loss
-Not listing jewelry/collections/hunting/sporting items (there are limits without listing)
-Thinking classic cars are covered in the garage (they need their own policy)
-Thinking maintenance items are covered (think continuous water seepage)
-Not having enough liability coverage 
-Renting out your home (or Airbnb) without telling the insurance company
-Not updating coverage after renovations or finishing a basement
-Assuming everything (home/detached structures/contents) is automatically replacement cost
-Leaving a home vacant prior to a major remodel or selling

These mistakes can cost tens of thousands in a claim.

We like to help homeowners review their coverage. Give us a call today!

Most people don’t realize what their insurance actually covers until it’s too late.
At Infanger Insurance, we want to help Idaho Falls families and businesses understand their coverage before a claim happens.
Here are a few real-world examples:

• If someone borrows your car and crashes it → your insurance is typically primary
• If your house has a continuous leak → It's usually considered maintenance and not covered
• If wind blows dirt into your home → Coverage depends on how the policy is written and how it got inside the home
• If you have a fire → That's typically covered, you want to make sure how much 'loss of use' coverage you have for unexpected expenses from being out of your home
• If your dog bites someone → Liability coverage may apply (make sure to tell us what breed of dog you have, as certain breeds can be excluded)
• If you have a flood → You need to have flood insurance for there to be coverage
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The problem isn’t just having insurance—it’s understanding it.
We want to review policies line-by-line with you, so there are no surprises. Holler at us today with questions!