Infanger Insurance Blog |
 Thinking About Buying an Electric Motorcycle?
Electric motorcycles are becoming more popular every year. They're quiet, incredibly fast, require less maintenance, and are a blast to ride. Brands like Surron, Talaria, E Ride Pro, Stark Future, Rawrr, Altis, Arctic Leopard, Zero Motorcycles, and LiveWire are showing up on Idaho roads and trails more than ever. But one question many owners don't ask until it's too late is: Is my electric motorcycle actually covered by my insurance? Many homeowners policies have limitations or exclusions for motorized vehicles, especially once they're used off your property or on public roads. Depending on the bike, you may also need liability, collision, comprehensive, or theft coverage. Young drivers may also be excluded. Be sure to check the minimum required age. If you've invested thousands of dollars into your ride, it's worth reviewing your coverage before an accident or theft happens. At Infanger Insurance, we can help you understand your options and find coverage that fits how and where you ride. Ride with confidence. Protect your investment. Contact Infanger Insurance for a complimentary coverage review today.
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 E-Bikes Are More Popular Than Ever—Is Yours Properly Insured?
 Summer in Idaho means road trips, boating, camping, ATV rides, backyard bbq's, and family vacations. While you're making memories, it's also a great time to make sure your insurance coverage is keeping up with your summer activities.
Common Summer Insurance GapsMany families don't realize their summer toys and activities may need additional coverage, including:
Whether you're spending weekends at the lake, exploring Idaho's trails, or traveling across the country, Infanger Insurance is here to help. Have a safe and fun summer! Infanger Insurance Inc. – Protecting Idaho families and businesses since 2010.  By Infanger Insurance Inc. – Idaho Falls, Idaho
Many Idaho families haven’t reviewed their insurance in years — but rising repair costs, newer vehicles, and changing weather/fire score risks are making policy reviews more important than ever. Home Insurance Costs Have IncreasedRebuilding a home today often costs far more than people expect. Construction labor, materials, and contractor costs have all increased, which means older policies may no longer provide enough coverage. We’re also seeing more claims involving:
Modern vehicles are more expensive to repair because of cameras, sensors, and advanced safety systems. Even small accidents can lead to very costly repairs. We recommend reviewing:
Bundling home and auto insurance can often help reduce premiums and improve coverage options. But the cheapest policy is not always the best value. A good insurance review helps identify:
Final Thoughts: Insurance is about more than just price. It’s about protecting your family from major financial surprises. At Infanger Insurance Inc., we want to help Idaho families compare options, review coverage, and make sure their policies still fit their needs. Visit: https://www.infangerinsurance.com/  If you have:
 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 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!  One of the biggest advantages of renting the home you live in versus owning it is that you can avoid most of the responsibilities of homeownership.
 When the rainy season comes in, flooding will probably follow. If it happens in your home, it can damage most of your properties, such as expensive possessions, appliances, and essential documents. While you can’t stop floods from happening, there are many ways to prevent or minimize damage.
 Riding a motorcycle gives you a sense of freedom that cars fail to provide you with. That is what makes it more preferable for other drivers. Being around for a long time and evolving, there are now many motorcycle models to choose from. Here are some of the most anticipated ones this new year.
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