When Should You Consider Using Specialty Tires on Your Car?

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Here at Fuhriman Insurance Agency, proudly providing auto insurance to residents in and around Boise, ID, we want to help our customers do everything they can to avoid an accident while ensuring they are ready in the event one happens. One way you may be able to avoid an auto accident is by having the right tires on your car.

When Should You Consider Using Specialty Tires on Your Car?

Specialty tires are special kinds of tires made for different driving situations. For example, winter tires are great if you live where it gets really snowy and icy. They have deeper treads and are made from a special rubber that stays soft when it’s cold, which helps your car grip the road better. All-terrain tires are another type, and they are perfect if you like driving on rough, bumpy roads. These tough tires give you a good grip on rocks, mud, and dirt.

Performance tires are for drivers who want their cars to handle really well and go fast, especially on smooth, dry roads. These tires have stiffer sides and special patterns on them that help your car turn better and respond quickly. But they might wear out faster and cost more. Thinking about where you drive, the weather, and the type of car you have can help you decide if these special tires are right for you.

When You Need a New Auto Insurance Policy, Reach Out To Us For a Quote

You cannot prevent every accident from happening, which is why it’s important to be prepared. Here at Fuhriman Insurance Agency, serving Boise, ID, we can help. Call or email us today to learn more about our auto insurance products.

How Toy Insurance Can Protect ATV and Snowmobile Owners in Boise, ID

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Outdoor enthusiasts who are Boise, ID residents understand the thrill of exploring the range of Idaho’s terrain types, including the Boise National Forest. However, if you’re an owner of a snowmobile or ATV in Boise, ID, properly insuring your investments is essential. At Fuhriman Insurance Agency, we can help you find the right toy insurance to protect and preserve your recreational vehicles year-round in Boise.

The Importance of Toy Insurance for Recreational Vehicles in Boise, Idaho

From navigating unexplored trails to exploring snowy paths, investing in toy insurance is highly recommended if you’re the owner of a snowmobile or ATV and living in Boise, ID. Insurance can offer peace of mind anytime you’re deep in the woods or enjoying the snow. Some of the most notable benefits of toy insurance for recreational vehicles in Idaho include:

  • Liability Protection: Liability protection is essential in the event that you are held responsible for causing damage to another individual’s property or yourself.
  • Collision Coverage: If you’re in an accident while operating your ATV or snowmobile, collision coverage will cover the resulting damage.
  • Uninsured/Underinsured: With underinsured and uninsured drivers, this coverage will provide protection if another party lacks sufficient insurance.
  • Comprehensive Solutions: Comprehensive insurance policies for ATVs and snowmobiles in Idaho can help protect against theft, vandalism, and fire incidents, which may not be covered with traditional collision coverage policies.

Whether you own a snowmobile, ATV, or both in Boise, ID, proper insurance ensures you’re prepared for potential damage, losses, and unexpected expenses. At Fuhriman Insurance Agency, we can help you find a toy insurance policy that’s right for you to safeguard your outdoor adventures in Boise, ID, while remaining worry-free. To learn more about your policy options, contact Fuhriman Insurance Agency today.

Mental Health and Workers’ Comp: Understanding Coverage for Stress-Related Claims

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Stress is an increasingly common issue in today’s demanding work environment. At Fuhriman Insurance Agency, serving Boise, ID, we understand the importance of mental health coverage within workers’ compensation policies for companies.

The Importance of Addressing Workplace Stress

Stress can affect productivity, employee satisfaction, and overall company morale. Recognizing and addressing mental health issues early can prevent long-term problems and foster a healthier work environment. Companies prioritizing mental well-being are likelier to see improved employee performance and retention.

Coverage for Stress-Related Claims

While workers’ comp traditionally covers physical injuries, there is a growing need to address mental health claims. Stress-related claims require clear evidence that the work environment directly contributed to the issue. Understanding these nuances is vital for companies to ensure comprehensive coverage. By including mental health in your workers’ comp policy, you demonstrate a commitment to your employees’ overall health.

Choosing the Right Policy

Selecting a workers’ comp policy that includes mental health coverage can be complex. It involves understanding what types of claims are covered and how they are processed. At Fuhriman Insurance Agency, we help businesses navigate these complexities, ensuring their policies adequately support stress-related claims. Our team can assist in customizing coverage to meet your company’s specific needs.

Call Us Today For Your Workers’ Compensation Insurance Needs

For companies looking to enhance their workers’ comp coverage, including mental health benefits is crucial. At Fuhriman Insurance Agency, we provide commercial insurance and workers’ compensation insurance products in and around Boise, ID, and we’re ready to help you find the right policy. Contact us today to explore how we can help your business create a supportive and healthy work environment.

What Assets Are Protected With Umbrella Insurance?

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If you’ve researched umbrella insurance, you know it can protect your assets. Understanding which assets can be frozen and used to pay a debt will help you determine what you need to protect and include in the value when building your policy.

Protection for Real Estate Property

Whether you own one or more residential homes, vacation properties, or rental properties, they can all be used as valuable assets if you’re found liable for damages. Commercial properties and farmland can also be seized, so make sure you calculate the total value of these properties first when establishing your umbrella insurance.

Coverage for Vehicles

The following assets to be seized will be any vehicles you own. This includes vehicles you drive daily, commercial vehicles, and classic cars you might have stored away in your garage. If you own the title to it, it can be seized and used. Remember that recreational vehicles like UTVs, ATVs, and motorcycles are also sizable assets and should be included in your list of vehicles.

Security for Accounts

If you have stock accounts, money markets, and banking accounts, they will also be frozen. The money will be taken out of these accounts first, so it’s vital to know how much you have in these accounts to include it in the list of assets. This can also include any business accounts you have as a business owner. This could be money you’re saving for your family, college tuition, and other things that will be taken and used to repay damages.

Protection for Valuable Collections

If you own any valuable jewelry, art, or other collections, ensure you include that value, too. The government can come into your home and seize all the property inside, having an estate sale with these items to pay off a debt.

Coverage For Disasters You May Experience While Living in Your Rental

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Living in a rental comes with risks similar to those homeowners face. Therefore, it’s important to have adequate insurance protection throughout your tenancy. Let’s review some categories that may encourage you to acquire a rental insurance policy.

Protection from Natural Weather Events

Natural weather events could lead to the destruction of your rental. If the structural materials of your rental are compromised, the contents within could become damaged.

Items of value that you’ll be storing within your rental unit should be added to your rental insurance policy. This coverage will provide protection during unforeseen weather events you may encounter in the future.

Coverage for Household Failures

Household failures could cause an injury within your living space. For instance, an improperly installed bookcase or shelving unit could fall and injure someone. Liability protection will cover incidents for which you are held liable.

This coverage will reimburse you for out-of-pocket costs that you incur during court proceedings. Such protection will prevent you from needing to spend your hard-earned cash on medical bills and other expenses that result directly from someone being injured in your rental.

Security Against Criminal Activity

Criminal activity that occurs within your rental could result in the vandalism or theft of your property. Personal protection insurance will protect your belongings. This type of protection will cover the cost of repairing or replacing items that you currently own.

Additional Insurance Information for Idaho Residents

Are you ready to review some insurance products designed for renters? If so, contact one of our Fuhriman Insurance Agency representatives at a time that works for you. An agent who serves Boise, ID, will be glad to schedule a consultation for you, which will provide you with additional information.

Can I Change Beneficiaries on My Life Insurance Pollicy?

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Naming a beneficiary is one of the most critical parts of a life insurance policy. However, sometimes your life changes in Boise, ID. You may no longer want the original beneficiary to receive the proceeds, but can you change the designation? Fuhriman Insurance Agency can help you name or change beneficiaries on your life insurance policies.

Who Can Change a Beneficiary?

The person who took out the life insurance policy is the only person who can designate or change a beneficiary. Most companies only allow one beneficiary, but some policies allow you to list more than one. You should also be able to name a contingent beneficiary to receive the payout if the primary beneficiary has died or cannot receive the funds. You can change your beneficiary virtually without a fee or penalty.

Some situations require you to get approval before you change a beneficiary. For example, if you have your spouse listed as the beneficiary and want to change it to one of your children, you’ll need your spouse’s permission because Idaho is a community property state. You’ll also need permission if you have a designated power of attorney or an irrevocable beneficiary.

Keeping Your Beneficiary Designation Up to Date

Like trusts and wills, you should review your life insurance documents periodically to ensure the policy reflects your wishes. Certain life events, such as divorce, marriage or remarriage, having a child, or the death of a loved one, are times when you should review your policy. If you fail to keep your beneficiaries current, the wrong person could receive the funds.

If you’re interested in changing your life insurance policy beneficiaries, Fuhriman Insurance Agency, serving Boise, ID, can walk you through the process and ensure you have the proper designations. Contact us to schedule your consultation.

An Insurance Checklist for New Business Owners

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Entrepreneurs in Boise, ID, have many different facets to consider when starting a new business. While insurance is one of them, it is sometimes not considered until something happens. Fuhriman Insurance Agency can help you avoid this pitfall by guiding you to the most appropriate policies to suit your needs.

Getting the Right Business Insurance

Finding the right business insurance isn’t easy, especially if you are a first-time owner. Without the right type, you may end up paying out of pocket for small claims. All businesses can benefit from business liability insurance to protect their operations from a wide range of risks. Most businesses need more than one type of insurance, with many risks covered under a business owner’s policy (BOP). Data breach protection has also become essential. Getting other types of insurance depends on how your business operates. These include:

  • Profession liability when providing advice
  • Commercial property when you own buildings
  • Worker’s compensation to cover employees
  • Commercial auto when employees drive company vehicles

Questions to Ask

Asking yourself specific questions can help you determine what business insurance policies you need to protect your company adequately. Consider the following:

  • Will I have employees?
  • Will anyone drive company vehicles?
  • Will the company store sensitive customer information?
  • Will I transport or sell items offsite?
  • Will I transport equipment or products?
  • Will I or my employees provide professional advice or services?
  • Will my operation have specialized equipment?

No matter how small, most businesses will need add-on policies beyond general insurance.

The best time to determine your insurance needs is before your company officially begins operations. The professionals at Fuhriman Insurance Agency, serving Boise, ID, will sit down with you to assess your needs. Contact our office today to get started on coverage.

Keys to Protecting Your Home from Pests

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Pests are something that no person or home is immune from, and pests come in every type, shape, and size. Sometimes, those pests are minor nuisances, and sometimes, they can be a nightmare. The good news is there are solutions. According to one Forbes article regarding the top pest control companies in Idaho, there is plenty of help to combat pest problems, but sometimes these services can get costly. That is also why people in and around the greater Boise, ID, area rely on the Fuhriman Insurance Agency for all their pest control insurance needs.

How to Help Prevent Pests

With some pest infestations costing potentially thousands of dollars to fix, the best defense against pests and the most effective form of pest control is pest prevention. In other words, it means stopping the problem before it starts. Here are a few keys to help prevent pests from taking up residence in your home.

Maintain an Unwelcoming Environment

Pests are scavengers, parasites, and survivors. They crave food sources, and many like warm and wet environments. Keeping our homes free of open food sources and maintaining a clean and dry environment will make your home a less welcoming option for most pests.

Regular Inspections

The only way to ensure your home is pest-free is to check. Most extermination services offer regular or annual inspections, so you don’t have to guess.

Be Proactive

Last but not least, take action if you see a pest or signs of a pest. It is easier and more affordable to address pest problems sooner rather than later.

Pest Control Insurance in Boise, ID

If you live in or around the Boise, ID, area and have questions or need pest control insurance, our experienced and friendly team of agents at the Fuhriman Insurance Agency can help. Don’t get stung by pests or again by the surprising cost of pest control. Contact us to learn more and schedule an appointment for all your insurance needs today.

How Boise, ID Weather Patterns Can Affect Your Auto Insurance Policy

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Although the weather in Boise, ID is typically mild year-round, some weather conditions can negatively impact your drive. Learn how local weather patterns can affect your auto insurance from the professionals at Fuhriman Insurance Agency. 

Winter Weather Risks for Boise Drivers

Weather conditions like snow, ice, and thick fog can lead to more head-on collisions and sideswipes as local drivers try to navigate slick or icy roads. An increase in regional auto accidents can lead to higher out-of-pocket expenses without the proper auto insurance coverage in place. 

Hailstorm Risks 

The latest group of damaging storms has produced record-breaking sized hail that can wreak havoc and cause significant damage to local automobiles that aren’t safely tucked away in a protective carport or shielded from damaging hailstones by a garage. 

Wildfire Risks 

Increasing local risks for wildfires can also contribute to hazardous driving conditions for Boise area residents. Investing in a comprehensive auto insurance policy can help shield your automobile and your finances from the devastating financial fallout that can occur due to unpredictable weather in the region. 

Get Comprehensive Auto Insurance in Boise, ID 

One of the best ways to protect yourself and your four-wheeled investment from the damaging and unpredictable effects of rapidly changing weather patterns is to invest in a comprehensive auto insurance policy that covers collision and non-collision-related incidents. 

Talk to a trusted local insurance agent at Fuhriman Insurance Agency in Boise, ID, to learn more about how you can get coverage for natural disasters, theft, vandalism, and animal collisions.

Our knowledgeable and friendly agents can provide professional guidance and offer you a customized auto insurance quote based on your driving history and budget.

Common Myths Surrounding Workers Comp Insurance

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Workers’ compensation insurance is vital for safeguarding both employees and employers. However, it’s frequently misunderstood. At Fuhriman Insurance Agency, we take pride in offering insurance products to the residents of the greater Boise, ID, area. We often encounter several misconceptions about workers’ compensation insurance. Allow us to debunk some of these common myths and reveal the facts.

Myth 1: Only Dangerous Jobs Require Workers Comp

A common belief is that workers’ compensation insurance is only essential for high-risk industries like construction or manufacturing. In reality, injuries can occur in any workplace, from offices to retail stores. Incidents such as slips, trips, and falls are common across all environments, making workers’ compensation insurance a necessity for any business with employees.

Myth 2: Workers Comp Claims are Always Fraudulent

While fraudulent claims do exist, they are not as pervasive as some might believe. Most employees submit authentic claims when they are genuinely injured. Workers’ comp insurance aims to protect both the employee and the employer, ensuring that injured workers receive the necessary care and compensation while protecting businesses from litigation.

Myth 3: Small Businesses Don’t Require Workers Comp

Another prevalent misconception is that small businesses don’t need workers’ comp insurance. In most states, including Idaho, businesses with as little as a single employee are obligated to have workers’ comp coverage. This protection is crucial for small businesses, which might lack the resources to manage the costs of workplace injuries out-of-pocket.

At Fuhriman Insurance Agency, serving the community in Boise, ID, we’re here to help you understand the intricacies of workers’ compensation insurance. Contact us today to ensure your business is comprehensively protected and to clear any other misconceptions you might have heard.