Month: March 2018

Throwing Parties as a Renter: Why You Need Insurance to Protect You

Posted on by AgentInsure

When you decide to throw a party in your apartment, it’s unlikely that you put ‘buy renters insurance’ on your to-do list. You’re probably far more concerned about serving the right appetizers and getting the right decorations than you are with anything else. But the people in Boise, ID who want to protect themselves from liability claims may want to reconsider their actions before going any further. 

How Liability Works 

While every situation is different, renters are typically held liable for what happens to their guests when they’re on their property. This means that if a person slips and falls on your kitchen floor because another guest spilled a drink and didn’t clean it up, you may have to pay for the injured party’s medical bills due to negligence. You’re also responsible for keeping your guests on the premises if they happen to become impaired from alcohol or drugs. If they leave in their car and hit someone else, there’s a chance that you’ll be asked to pay the medical bills. 

Help from Fuhriman Insurance Agency

Our agency is here to help renters in Boise, ID get a handle on their responsibilities so they don’t make a mistake that could haunt them for the rest of their lives. Throwing a party is a fun event that will typically go off without a hitch. It’s not a reason to become scared to have people over to your home or to hide away from the world. But at the same time, it’s foolish to pretend there aren’t risks involved when it comes to your next big bash. For more information call Fuhriman Insurance Agency for a free quote. Renters insurance is one of the most affordable types of insurance available!

3 Scenarios Where Umbrella Insurance Could Possibly Be Used

Posted on by AgentInsure

Umbrella insurance is an “extra” type of liability insurance. This policy is designed to help protect you from serious lawsuits and claims, which will also help to protect your assets and your future. While you will have your basic auto, homeowners, and boat insurance policy, the umbrella insurance will cover any damages that exceed this amount, ensuring you don’t face significant losses in an accident or other unexpected situation.

Three situations when umbrella insurance from Fuhriman Insurance Agency may be beneficial in Boise, ID can be found here.

1. The Neighbor’s Kid Falls Down the Stairs and is Injured

When it comes to injuries at your home or on your property, your homeowner’s policy is going to determine a set amount that will be paid. However, if a child falls down your stairs and suffers long-term injuries or even a permanent disability, the costs of medical bills and recovery could far exceed your insurance liability. In this situation, umbrella coverage can kick in and ensure that all bills are paid and that you don’t have to sell your home or take other drastic steps to cover the expenses.

2. Your Dog Bites a Guest

This situation is similar to the one above. When something happens to someone on your property, regardless of if it is an accident or something else, liability falls to you. You are the one who is expected to cover the bills and expenses related to the accident or issue. This is another example of when umbrella insurance can be beneficial.

3. Your Teenager Takes Your Car Without Permission and gets in an Accident, Injuring the other Party

Unfortunately, this is an all-too-common occurrence. Another bit of bad news is that if your child is not listed on your auto insurance policy, the insurance company may not pay for the damages or injuries they have caused. This is another example of the benefits offered by having umbrella insurance coverage.

To learn more about umbrella insurance and the benefits it offers to Boise, ID residents, contact the professional staff at the Fuhriman Insurance Agency.