Infinity Insurance Agency

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  • (763) 497-0722
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ABOUT US

Welcome to Infinity Insurance Agency. Whether you’ve stopped by to learn about our personal insurance options or our commercial offerings, we’re happy to share several great reasons why we think you should consider Infinity Insurance Agency for all your insurance needs.

First, whether you are looking for proper coverage for your car, home, business or all of these and more, we will begin our relationship with you by taking a thorough look at your potential risk areas (ie: what you want/need insured). After we complete this evaluation, then we will feel confident that we can make an informed recommendation on the optimal insurance options.

Why do we take this approach and invest so much time prior to finding you the right insurance? It’s simple. To Infinity Insurance Agency, it is not just about getting you the lowest priced coverage; we want to determine the best coverage to protect you, your family and your livelihood in the event of a claim. The only way we can truly accomplish this is by thoroughly getting to know you and your insurance needs.

If you are ready for a more personal relationship with trusted insurance professionals who will help you analyze and protect your personal and professional liability risks, call us today at (763) 497-0722 or stop into either of our two convenient Minnesota offices to meet with us in person. 

KRISTIN MENTH

 

Kristin Menth was born and raised on a hobby farm in rural Wright County and still remains a proud citizen of the area. She is the proud mother of Charlotte (13) and James (8). She spends her time with her kids camping, fishing, biking and hiking. Summers are spent outside by the fire and winters spent in the stands of a hockey arena.

Kristin attended college for Mechanical and Manufacturing Engineering, but has found her true passion in helping people. She began her insurance career in 2014 as an agent and Office Manager in her family insurance business. To better serve her local clients, she opened the doors of Infinity Insurance Agency in 2018.

OUR MISSION TO OUR CLIENTS

 

Obtaining competitive quotes for coverage and handling claims problems is only a small part of what you should expect from your insurance broker. Infinity Insurance Agency goes farther, providing quality service throughout the year, including risk management surveys, coverage reviews, strategic planning, human resource data, claims data analysis, and much more. We use these tools to help you meet your insurance objectives, and will raise the bar for what you expect from your insurance broker.

Our mission is to provide our customers with insurance services that combine today’s technology with old-fashioned service. Built upon a tradition of integrity, industry leadership and excellence, we are committed to delivering tailored insurance solutions through strategic planning, valuable professional services, and technology based solutions.

We do not work for any specific insurance company. We work for YOU, our customer, to obtain the best combination of rates and services to match the needs of your family or business. Contact us today to let us help you put the pieces together for the best insurance program possible.

Infinity Insurance Agency is an established insurance brokerage and consulting firm based in Saint Michael and Delano, MN, providing insurance services to a wide array of clients throughout Minnesota.

FAQ

With other agencies, you get one company that sells one brand of insurance. With an independent insurance agency like Infinity Insurance Agency you get choices.

Why? Because independent insurance agencies, like Infinity Insurance Agency, represent a number of different insurance companies, and can compare coverage and prices to find the best possible value for your individual circumstances. As independent agents, we are members of the Minnesota community, and we’re committed to doing business face-to-face and being your advocate in times of need.

 

Additional Living Expenses


If you can’t live in your home because of a covered loss, your insurance company may pay the necessary increase in living expenses while damage is assessed and your home is repaired or rebuilt.

Broad Form Liability Coverage


Helps protect you from expenses related to injuries or property damage you or your watercraft cause in an accident. Some policies also cover certain accidental fuel spill liabilities and wreckage removal.

C.L.U.E.


C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims history database created by ChoicePoint that enables insurance companies to access consumer claims information when they are underwriting or rating an insurance policy. It typically contains up to five years of personal auto or personal property claims history.

You can order a C.L.U.E. report:

LexisNexis Personal Reports
Call toll free 1-866-312-8076

Or you can request a copy from the seller of a home you are purchasing.

Collision Coverage


Pays to repair your auto, classic auto, motorcycle, RV damages caused by an accident. Your agent can help you determine the limits you need based on the agreed value of your vehicle.

Comprehensive Coverage


Pays to repair or replace your vehicle if it is stolen, vandalized or damaged in some way other than in a collision. May include loss from fire, cracked windshields, floods, falling objects, and wind.

Custom Parts & Equipment Coverage


Many motorcycle owners like to customize their rides, and some policies pay for customized parts and equipment, often at no extra charge. Ask Infinity Insurance Agency for details.

Deductible


When you get insurance, you agree to pay up to a certain amount out-of-pocket in case of a loss. This amount is called your “deductible.” The deductible you choose often affects how much you pay for your premium. For example, a higher deductible usually means a lower premium. In the case of a covered loss, you’ll only be required to pay your deductible, and the insurance company usually covers the excess, up to the applicable limit for that loss under your policy.

Emergency & Roadside Assistance


For auto, boat and personal watercraft, emergency assistance pays for the cost of towing or emergency service. For RVs, it also covers housing and transportation costs if your RV becomes uninhabitable and covers the loss of personal property in your RV. Some policies also provide roadside assistance for motorcycles.

Excess Liability


Sometimes used interchangeably with “umbrella”, “excess liability” refers to extended liability coverage. This coverage is meant to supplement your insurance coverage if the damages exceed your liability coverage. Be sure to talk to Infinity Insurance Agency about what your excess liability covers.

Fidelity Coverage


Companies and businesses often purchase this coverage to protect them against loss from employee dishonesty (such as theft of money, equipment, or other assets).

Identity Theft


Identity theft occurs when someone steals your personal information and uses it to open accounts or incur charges without your permission. Thieves can access your personal information in a variety of ways, such as stealing your personal mail, your wallet, or hacking your computer files. The thief then uses your identity to rack up debt in your name or perhaps to issue fake IDs. For more information on identity theft and tips on prevention visit the FTC’s Identity Theft Site.

Indemnity


Providing indemnity means to financially restore someone after a loss, through payment, repair or replacement.

Insurance Score


An Credit Based Insurance Score (CBIS) is derived from information on your credit report. It is a number that measures likelihood of having an insurance claim—not a measure of credit worthiness. Insurers use CBIS along with a number of other factors, including driving records, claims history, and the type of home or vehicle owned, to evaluate new and renewal auto and homeowner insurance policies.

Most states have rules about how credit information can be used in insurance. Contact your state’s Department of Insurance for the latest information on your state’s rules.

Medical Coverage (Home)


Covers medical expenses for guests if they are injured on your property, and in certain cases covers people who are injured off of your property. It does not cover healthcare costs for you or other members of your household.

Medical Coverage (Auto, Boat & Personal Watercraft, Motorcycle, RV)


Provides for your passenger and your medical expenses that are the result of an accident.

Liability & Personal Liability Coverage


For homeowners, this coverage applies if someone is injured or property is damaged and you are to blame. The coverage applies anywhere in the world. When choosing liability coverage for your home, auto, boat, personal watercraft, or RV, consider things like how much money you make and what you own. Your liability coverage should be high enough to protect your belongings if you are sued.

Personal Property Coverage


Your home is filled with furniture, clothes, sports equipment, and other items that mean a lot to you. This coverage helps repair or replace these items if they are lost, stolen or destroyed as a result of an insured event.

Personal Watercraft (PWC)


A personal watercraft (PWC) is a recreational watercraft that the rider sits or stands on, rather than inside of, as in a boat. Models have an inboard engine driving a pump jet that has a screw-shaped impeller to create thrust for propulsion and steering.

Physical Damage Coverage for Watercraft

Pays to repair the damage done to your watercraft due to an accident. It also generally pays to repair or replace your watercraft for insured situations such as theft, fire, vandalism or other non-collision damages that occur in or out of the water.

Premium


Simply put, a premium is the payment you make in exchange for one term of policy coverage.

Property or Dwelling Coverage
Typically pays to repair or rebuild your home if it’s damaged or destroyed by an insured event.

Scheduled Personal Property Coverage


If you have special possessions such as jewelry, art, antiques or collectibles, you may want to talk to your agent about this additional coverage.

Umbrella Insurance


Umbrella insurance is the coverage that may kick in when your losses under other insurance policies, such as homeowner’s and auto coverage, have exceeded policy limits.

Underwriter/underwriting


Underwriting is the process of assessing risks when deciding whether to issue a policy of insurance.

Uninsured/Underinsured Motorist Coverage


Pays for damages associated with bodily injury or death from an accident caused by an uninsured, underinsured or hit-and-run driver, as defined by the law in the jurisdiction where the accident occurred, who is at fault. It also covers you if you are hit as a pedestrian.

Unattached Equipment Coverage


Pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft. This includes items like life jackets and water-skis.

The cost to rebuild your home is its replacement value. This can be very different from the estimated market value or actual purchase price. In most cases, it costs more to rebuild the home you own than to buy a new one.

Minnesota – How much home insurance is right for you?

 

Based in Saint Michael and Delano, Infinity Insurance Agency understands the home insurance needs of our customers. We’ll work with you to estimate the replacement cost for your home and to adjust your policy limits from time to time as needed.

It is critical that you provide us with accurate, updated information about your home and contents. If your dwelling limit accurately reflects your home’s true replacement cost, some companies will pay more than the limit if a covered loss is greater than the limit on your policy.

Once a review of your home and possessions indicates you are properly insured, it’s a good idea to reexamine your coverages and limits from time to time, especially whenever you make additions or improvements. Infinity Insurance Agency can help you re-evaluate your insurance needs, just give us a call at (763) 497-0722 to speak with one of our agents.

 

Minnesota – Be Sure You Have Enough Homeowners Insurance

 

Here are some steps you can take to reduce the danger of being seriously underinsured:

  1. Call Infinity Insurance Agency. If you have questions or concerns about the limits in your policy, ask us to show you how those amounts were calculated. This will also give you an opportunity to make us aware of any overlooked information.
  2. Read your policy. Certain property, such as jewelry, and certain perils, such as earthquake or flood, is better insured separately. Knowing what is covered and for how much will help you insure properly. If there is anything in your policy you don’t understand, contact Infinity Insurance Agency at (763) 497-0722 and ask for an explanation.
  3. At each annual renewal of your policy, you receive a new Policy Declarations page showing limits of coverage and optional coverages. Review this information. If you do any significant remodeling or add a family room, extra bedroom or bathroom, etc., tell us about these changes so your coverage limits can be adjusted to cover the improvement.
  4. Consider carefully whether your policy provides all the protection you need. Does it provide coverage for extra costs resulting from building code changes? Does it automatically increase coverage limits annually to keep pace with inflation? Does it provide additional funds if the cost of rebuilding your home exceeds the policy limits?

Make sure you know:

  • Will your insurance company stand behind agreed upon repairs after a claim? Some companies are willing to put this guarantee in writing.
  • Does your policy include replacement cost coverage for contents (clothing, furniture, appliances, and other personal property inside your home)? If not, you can add it by endorsement. The cost is small, the protection valuable. Replacement Cost Coverage pays for losses to your possessions at the cost of brand new items. Without this option, a covered loss to your personal possessions would be depreciated by their age and condition, reducing the size of your claim settlement.

If you have an art collection, antique furniture, jewelry, or other valuable possessions, talk to your agent about supplemental coverages, such as fine arts or scheduled property endorsements, to adequately protect your investment in these items. The cost is modest for the extra protection, and often the deductible is waived.

Consider whether you should have more coverage for personal property (contents) than your policy provides. Personal property coverage is usually 70% of the coverage limit for the structure. Your limit may be lower than 70%. Supplemental protection is available for a small additional premium.

Inventory your home. Prepare an inventory of personal property items, update it periodically, and keep it in a safe place outside your home, such as a safe deposit box at your bank. It will save you hours of time trying to list everything damaged or destroyed if you need to make a claim. It will also help ensure you don’t forget some items.  (763) 497-0722 can advise you on ways to simplify the job of preparing a personal property inventory such as videotaping each room with descriptive information on the sound track.

Personal Liability

Besides making sure you have enough protection to cover possible damage to your own home and contents, you should also evaluate your exposure to liability risks. These result from damage to the property of another, or injury to a person, not a member of your household, for which you can be responsible.

In recent years it’s become common for homeowners to be sued for injuries or damages to others, even when there is no evidence of negligence by the homeowner. The reality today is if you have any appreciable assets, you are exposed to the risk of being sued. Even if you ultimately prevail in court, your legal fees and the months or years of worry and uncertainty can be a terrible burden on you and your family.

The Personal Liability coverage provided by your Homeowners Policy usually provides a limit of $300,000 or $500,000. We recommend increasing this protection with a personal umbrella policy. Not only will it increase your personal liability, but also your auto liability. Limits are available from $1 million to $10 million and beyond. The cost of this coverage is usually very reasonable.

Keep in mind that Minnesota can require certain minimum levels of coverage. The right coverage for you is unique – talk to Infinity Insurance Agency today to find out how to get the best price and value on home insurance for you.

What Our Client Say

I really like infinity insurance I switched a few years ago and Kristin is very helpful with everything I need she is always getting back to me within minutes a few weeks ago I bought a new truck and needed my insurance card that I didn’t have on me and I texted her and she got it to me in seconds very helpful did not slow the process down at all hands down most helpful insurance company ever

Jake S., customer since 2016

Always quick to respond and find the best product for our needs

Michael S., customer since 2017

I was very thankful for kristin’s patience with me. I am a new business owner and had many questions.

Stacy B., customer since 2020

Made sure I was getting the rate I was suppose to be getting.

Amanda A., customer since 2020

Kristin has amazing customer service and works hard for her clients and it was very evident immediately upon just initiating contact with her. Not only did she decrease our premiums across the board but she pointed out “holes” in our previous policy with another carrier that would have been a devastating loss for us had anything happened! Knowing you have agent that reviews, saves and does everything to achieve the goals of their clients is worth every single penny!!!! Would VERY highly recommend her to anyone who is looking and even those not looking!

Angela G., customer since 2019

Kristin has always been there for us no matter what!!!! We feel safe and part of the family!!

Lindsey K., customer since 2019

Kristin is the best.. hands down

Amber G., customer since 2017

Well we just switched over, so I really don’t have specifics, but the price so far is great and hope it will continue. Thank you Kristin for all you do. Happy 4th! Renee and Rusty Smith

Renee S., customer since 2019

Kristin found us all our insurance. Great Job!!

Catherine K., customer since 2019

Kristin was amazing!! Very quick process, analyzed my current homeowner policy vs what she had to offer, explained everything in detail and saved me a ton of money. I would highly recommend her to anyone!

Customer since 2020

Kristin had to find us lots of policies and she did a great job. Cathy and Vern

Catherine K., customer since 2019

Prompt, friendly service!!

Merrie B., customer since 2019

Kristin was so great to work with, she was quick to answer any question that I had and never made me feel stupid for asking! She was kind and very easy to communicate with, and as someone who is buying insurance for the very first time, this was everything I could have asked for!

Customer since 2020

Quick to respond and provided great details on the comparison

Matthew Z., customer since 2020

I said my insurance went up and they found me cheaper insurance!!

Angela W., customer since 2019

There when needed. Airport car rental for instance

Customer since 2016

Kristin is always looking out for our best interest (and wallet)! I could not recommend a better agent!

Customer since 2014

I am very impressed with the service and timely responses that I get whenever I need something I received an awesome visual of all the different companies in their rates ensuring me that I am receiving the best policy possibleI would definitely recommend this company to anyone who has insurance

Jake S., customer since 2016

Kristin makes sure you have the best insurance available at the most reasonable cost. She stays on top of changes and improvements to your policy and makes sure you receive the highest quality service.

Darren B., customer since 2015

My experience was incredible. I shopped my current agent for home and auto and when compared to Infinity Insurance, there was no comparison. Infinity Insurance saved me a lot of money, and the time it took to switch was minimal and Kristin made it seamless. I’m beyond happy with my experience.

Customer since 2020

Always there and quick reply makes me feel important

Lindsey K., customer since 2019

Hands down, best insurance group I’ve ever worked with. When my impala got hit at a stop light. Kristin made sure to get me everything I needed so I could get back on the road. Thank you for being amazing

Zachary J., customer since 2017

Kristin was there when we had questions, and she made us feel confident that she answered them in a way we understood. We appreciate Kristin and Infinity Insurance and will always spread the good word, of honesty and kindness that we felt. Thank you, and have a great new year Infinity Insurance.

Customer since 2019

Kristin Menth, is an expert at what she does. She treats you like family and genuinely cares. She always finds me the best options for my life and she calls me to tell me she can save me money.. I never wonder.. I refer all my clients to her for insurance when they need it

Amber G., customer since 2017

When I needed help getting a tow! Kristen was very helpful on a Saturday

Angela W., customer since 2019

Price for the amount of coverage

Customer since 2018

Getting us the best deals possible. I love working with Infinity insurance !

Rachael W., customer since 2015

Always right there to take care of our policy needs and changes A+ customer service

Dustin H., customer since 2016

I was having a hard time finding the right insurance for me until I called Kristin at infinity and she walked me through the whole process and very easy to work with not to mention all the money she has saved me by searching for the best policy for me I have already recommended several of my friends and family members to her

Jake S., customer since 2016

I haven’t had any issues & insurance comes out every month on time & the correct amount (unlike my previous insurance company)

Customer since 2018

Just being the greatest insurance agent

Richard C., customer since 2017

Always have quick response to any questions. Always able to meet the needs of our life changes. Always extremely friendly

Michael S., customer since 2017

Nice to know you are always looking for ways for us to save $!

Customer since 2016

I like the agent research around looking into better plan for costumers. Very thoughtful.

Customer since 2017

Kristin was very helpful when we were going through difficulty with our homeowners insurance, with our other agency. We love joining Infinity insurance and with working with Kristin. Kristin was also very quick with getting back to us on issues, we appreciate explaining terms to us. We are very happy, and want to say thank you.

Customer since 2019

Made it very easy to get the coverage I needed

Kevin D., customer since 2019

Kristin sets the standard level so high.. she is an expert at what she does. She truly cares.. also friendly , honest, transparent, fair, educated, and efficient .. not only is the the most affordable, she keeps me updated on my options. I refer a lot of my clients to her

Amber G., customer since 2017

The agent was very helpful when I had question

Angela W., customer since 2019

Kristin does a great job of making sure we are fully covered and at the best price. She has a high attention to detail.

Customer since 2018

Very easy to work with and make policy changes a breeze

Dustin H., customer since 2016

Friendly, prompt responses. Wonderful team to work with!

Customer since 2016

They have fast and friendly service, they treat you like a person, not a Policy. Also got a birthday card from them! Great personal touch!

Customer since 2020

I like the fact that you are always there to answer my questions and how timely you get back to me with those answers you are always very helpful with any questions that I have and overall very easy to work with

Jake S., customer since 2016

I can’t recommend Infinity Insurance enough. Kristin has gone; in my books, above and beyond to make sure I my family and my business were taken care of during a crisis. She handled all the difficult calls and help guide me through the process helping get my business up and running as quickly as possible. I have referred Infinity Insurance out many times and I will continue to do so. Everyone should give Infinity a chance

Richard C., customer since 2017

Very personable relationship with agent. She’s always there when needed

Customer since 2016

Yes – quick service and excellent value for insurance!

Customer since 2016

Agents are friendly and always available.

Customer since 2017