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:

• Wind and snow damage
• Frozen pipes and water backup (make sure you endorse sewer backup on your policy!)
• Wildfire concerns in rural areas (like Island Park)
• Underinsured shops and detached garages
  
  

Auto Insurance Has Changed Too:
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:

• Liability limits
• Umbrella insurance
• Uninsured motorist coverage
• Deductible options
  
  

Why Bundling Still Matters:
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:

• Coverage gaps
• Missed discounts
• Outdated limits
• Better carrier options

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/

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!

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