Month: February 2025

The Benefits of Renters Insurance for College Students

Posted on by AgentInsure

College life is full of firsts—your first apartment, your first taste of independence, and, unfortunately, your first encounter with unexpected expenses. As exciting as this new chapter can be, protecting yourself and your belongings is important. For college students, renters insurance is a simple and affordable way to create a safety net. At Fuhriman Insurance Agency, we provide renters insurance throughout Boise, ID, and we understand the unique needs of students and are here to help you stay prepared.

Protection for Your Belongings

Consider everything you own—your laptop, phone, clothes, furniture, and even that gaming console you love. Now imagine what it would cost to replace all of it if a fire, theft, or another disaster struck. Renters insurance ensures you won’t have to drain your savings to replace your belongings. It can help cover the cost of damaged or stolen items so you can bounce back quickly without added stress.

Coverage Beyond Your Belongings

Renters insurance isn’t just about protecting your stuff. It also provides liability coverage, which can save you from expensive bills if someone gets injured in your apartment or if you accidentally damage property that doesn’t belong to you. As a student, the last thing you need is a financial setback that could have been avoided with the proper coverage.

Affordable and Easy

Renters insurance is a great budget-friendly option. For a small monthly payment, you can enjoy the peace of mind that comes with knowing you’re protected. It’s a wise investment, especially for students living off-campus.

Please don’t wait until it’s too late. Contact Fuhriman Insurance Agency in Boise, ID to learn more about renters insurance and how it can benefit you. We’re here to help you protect what matters most.

Who Covers Storm Damage If I Rent My Home?

Posted on by AgentInsure

If you rent a residence in Boise, ID, such as an apartment, townhouse, or single-family home, you might wonder who is responsible for damage if your residence sustains storm damage. The responsibility depends on what is damaged. Some responsibilities fall on you, and others on your landlord. Fuhriman Insurance Agency can help clarify what you need to do to protect yourself as a renter.

What Your Renter’s Insurance Covers

In essence, you should have renter’s insurance to cover damage to your personal belongings from any covered risks, including severe storms, fire, theft, and similar incidents. Your renter’s insurance covers your clothes, furniture, electronics, and other personal items. It’s advisable to list what you own and the approximate value of each item in case you need to file a claim. Your renter’s insurance covers damage to your belongings if a severe storm causes a physical breach by ripping off the roof or breaking windows to the extent that rain enters from above and causes damage, or if a tornado or high winds destroy or scatter your belongings.

What Your Landlord Must Cover

Your landlord is responsible for physical damage to your residence. In other words, your landlord is responsible for the roof, walls, windows, doors, and other physical elements that provide shelter. If your home is unlivable, your landlord’s insurance policy should provide you with a temporary place to live while repairs are made.

What About Flood Insurance?

Although your renter’s policy covers water damage from heavy rain caused by storms, that water must come from above. If you live on the first floor of your building, consider getting flood insurance.

Fuhriman Insurance Agency, serving residents in Boise, ID, can help make sense of renter’s insurance. Contact us today to get started on a policy.