Author: AgentInsure

Who Covers Storm Damage If I Rent My Home?

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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.

Moving to a New Location? You Need to Update Your Commercial Insurance Policy

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A commercial insurance policy is essential if you operate a business in the Boise, ID area. This policy needs to adapt with you when you move to a new location or make changes to your business, ensuring you stay protected. That’s where we come in. At Fuhriman Insurance Agency, our agents are here to help you keep your company protected as it grows and evolves, allowing you to focus on its strength and health.

Moving to a New Location May Require a New Policy

Depending on your new location, you may need to update your policy or get an entirely new one. Different cities and states have varying business requirements and the insurance they must carry. Moving into or out of city limits, for example, can affect the coverage you need. Plus, you want to ensure you have sufficient coverage for your new location to reduce any risk of loss.

Reviewing Your Policy with Your Agent Is a Wise Decision

The best way to update your commercial coverage is by consulting with an agent. When you speak with one of our insurance professionals, you can feel confident that you’re receiving sound advice and comprehensive information about your policy. Then, you can confidently make adjustments, knowing that your business needs the protection.

Contact Us Today for Policy Updates

Contact us today at Fuhriman Insurance Agency if you live in the Boise, ID, area and need to update your commercial insurance policy. We’re here to help you maintain robust coverage for your business so you can see it thrive and enjoy peace of mind. You don’t have to settle for less when you have us on your side.

Do You Need Life Insurance If You’re Single?

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Most people understand the importance of purchasing life insurance to help their families cover end-of-life expenses. However, with more than one type of life insurance available, you may have questions. If you live in the Boise, ID area and want to discuss insurance options, our team at Fuhriman Insurance Agency is ready to help you find the right policy. We have been serving clients in your area since 1962.

Do Single Individuals Need Life Insurance?

If you’re single, you might wonder if you need life insurance. Many people believe that only married individuals with families need life insurance. However, according to Experian, there are good reasons for single people to buy life insurance. If you have dependents or lack substantial savings for your burial expenses, a life insurance policy can help cover your final expenses.

If you’re young and healthy, buying life insurance while you’re young can help you save money on your premiums. The type of policy you choose will determine how your benefits will be paid. For example, a term life policy ends after a specified period and provides payment only if you pass away during the insurance term. A whole life policy lasts your entire life and pays a fixed amount upon your death.

Contact Us Today for Your Appointment

Every person’s insurance needs are different, so finding an agency that understands the need for policy personalization is invaluable. Clients in the Boise, ID area can trust us to provide the necessary insurance options. Our team at Fuhriman Insurance Agency is dedicated to making insurance easy for you to understand. Call us for an appointment today, and let’s talk about insurance.

Do You Need Life Insurance If You’re Single?

Posted on by AgentInsure

Most people understand the importance of purchasing life insurance to help their families cover end-of-life expenses. However, with more than one type of life insurance available, you may have questions. If you live in the Boise, ID area and want to discuss insurance options, our team at Fuhriman Insurance Agency is ready to help you find the right policy. We have been serving clients in your area since 1962.

Do Single Individuals Need Life Insurance?

If you’re single, you might wonder if you need life insurance. Many people believe that only married individuals with families need life insurance. However, according to Experian, there are good reasons for single people to buy life insurance. If you have dependents or lack substantial savings for your burial expenses, a life insurance policy can help cover your final expenses.

If you’re young and healthy, buying life insurance while you’re young can help you save money on your premiums. The type of policy you choose will determine how your benefits will be paid. For example, a term life policy ends after a specified period and provides payment only if you pass away during the insurance term. A whole life policy lasts your entire life and pays a fixed amount upon your death.

Contact Us Today for Your Appointment

Every person’s insurance needs are different, so finding an agency that understands the need for policy personalization is invaluable. Clients in the Boise, ID area can trust us to provide the necessary insurance options. Our team at Fuhriman Insurance Agency is dedicated to making insurance easy for you to understand. Call us for an appointment today, and let’s talk about insurance.

Why Your Pest Control Company Needs Specialized Insurance

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When running a pest control company in Boise, ID, you face many operational challenges. One of those challenges involves protecting your company and employees against the many scenarios that can arise from mitigating pest problems. Arming yourself with proper insurance protection is something that the professionals at Fuhriman Insurance Agency can recommend to keep your company running efficiently.

Pest Control Companies Face Multiple Risks

Even though you may have additional liability insurance to protect your assets, getting specialized insurance geared toward your operations can help save your company if a lawsuit occurs. Several specialized types of liability may help you retain your business in the event of an unhappy customer. Consider the following:

  • Pollution insurance – covering claims focusing on environmental damage from pesticide contamination or fumigation, as many substances used are harmful to the environment
  • Pest control liability – covering risks unique to the pest control industry, including health risks and property damage from chemicals
  • Tools and equipment – covering the cost of damage to what your company uses in your operations

Who Benefits From Pest Insurance?

Insurance that focuses on pest liability covers costs associated with lawsuits pertaining to libel and slander. It can also pay for medical expenses or worker’s compensation if someone is injured during operations or from advertising. In short, it protects you and your company if someone decides to sue, so you won’t have to pay for damages out of pocket.

Those who can benefit include:

  • Wildlife and vermin control operators
  • Termite and insect control companies
  • Fumigators
  • Lawn and landscape spraying businesses

If you’d like to learn more about how specialized pest control insurance works and how you can customize your policy, you can contact Fuhriman Insurance Agency, serving Boise, ID. Call us today to get started.

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.