Author: AgentInsure

Insuring Your Auto In Boise ID? Why You Should Make Fuhriman Insurance Agency Your Top Choice

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If you live in the Boise, ID area or surrounding areas making Fuhriman Insurance Agency your choice is not only a great decision it is a sound choice. With a range of insurance options, we can handle anything that your life throws your way. We specialize in insurance options for every facet of your life.  

  • Renters Insurance
  • Umbrella Insurance
  • Home Insurance
  • Toys Insurance (WAIT –  we understand the double take more on our Toys Insurance in just a few)
  • Life Insurance
  • Auto Insurance

Now, About That Auto Insurance…

Making your life easier to handle is our goal. Our agents are available if you stop in to see us here in Boise. Call us, email us, fax us a note, for a quote. We are trying to make contact with you by any means. Insuring your auto with us makes it easier to take account of your policies all in one place. Your agent will help you stay on top of all of your insurance needs, so you won’t have to. 

Now, About That Toys Insurance…

When you hear the term Toys Insurance, you may think of getting a great policy for your Slinky, but it’s bigger than that. Our agency like to have fun all of the time and we know you do too. When you are thinking of insuring your RV (Recreational Vehicle), ATV (All Terrain Vehicle), Boat or Motorcycle we want you to think of your big toy as just that a toy. However, since you are responsible, you take care and insure your toys. With Fuhriman you will be able to just think of your fun with the toy and not the responsibility because we have taken care of that for you.     
 

Will a Home Warranty Replace Home Insurance?

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Home warranties are becoming more popular than ever. There are commercials for them airing often on television, which has more people considering investing in one. If you are considering purchasing a home warranty, you may wonder if this home warranty will replace your home insurance, or if they can be used in conjunction with one another. Here is a bit of information you need to know.

A Home Warranty Will Not Replace Home Insurance

A home warranty often covers many of the things that a home insurance policy will not cover. This includes replacing an air conditioner if yours dies due to old age or covering repair costs for your appliances. A home warranty does not protect your home against many of the things that home insurance does, such as theft, hail damage or a pipe bursting and flooding your home.

A Home Warranty Does Not Suffice Your Home Insurance Requirements

If you have a loan out on your home, you are required to carry home insurance. A home warranty does not meet this requirement.

You Can Have a Home Insurance Policy and Home Warranty At the Same Time

You are allowed to have both a home insurance policy and home warranty at the same time, and in fact, many people do. A warranty covers items that a home insurance policy may not and vice versa. As such, it may make sense to have both at the same time.

When you have questions about your home insurance policy or are looking for a new one, let Fuhriman Insurance Agency, serving the greater Boise, ID area help. Give us a call and let one of our friendly and knowledge agents answer your questions or give you a free price quote.

5 Safety Features That Can Save You Money

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When you have a car in Boise, ID, it’s important to know about the safety features that have the ability to save you money. After all, if you can save on your auto insurance policy, you should explore the opportunity. All it takes is looking at the different features before you purchase a car.

Air Bags

Air bags are one of the most important safety features. While virtually every car has them, some makes and models have more than others. At Fuhriman Insurance Agency, we can even recommend some of the safest cars on the market.

Anti-Lock Brakes

Anti-lock brakes have saved drivers from a number of collisions. It will help you to lock your brakes to avoid hitting another car, especially at high speeds.

Blind Spot Monitoring

If you have ever had a side collision with another car or hit a car because they were in your blind spot, this is a great feature. Your side mirrors will light up to tell you there is a car in your blind spot. You can then take precautions to avoid hitting another car (or cyclist or pedestrian).

Roll Bars

Many cars, as well as Jeeps and trucks, have roll bars. In the event that there is an accident where you actually roll, it will protect the frame of the car and anyone inside. This can save lives and reduce the likelihood of major damage to the vehicle.

Driver Assist Systems

A variety of car manufacturers are now incorporating driver assistance systems. These are computers that will help you as a driver. They can notify you when you are getting too close to another vehicle, and can even help you with parallel parking, emergency braking, and various other driving scenarios.

Learn more about saving money on our insurance in Boise, ID by contacting Fuhriman Insurance Agency today.

3 Things to Consider when Buying Homeowner’s Insuracne in Boise, ID

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Boise, ID is a wonderful place to live.  In fact, according to livability.com, Boise makes it into the top 100 best places to live in the United States. Despite its isolation from other cities, Boise is a cultural hotspot with enough amenities that it doesn’t need to be supplemented with a trip anywhere else. Boise residents are happy right where they are.

For homeowners, Boise offers a diverse world with a mix of cultures brought in by people from all over the world. And the fours seasons give the city a plethora of outdoor activities to keep families busy.  Whether you already own a home in Boise or are looking to purchase your first home here or relocate to this gorgeous city, there are three things you should consider when purchasing a homeowner’s insurance policy in Boise ID.

1. Choose a Trusted Agent

At Fuhriman Insurance Agency, we are a full-service insurance agency that represents quality insurance companies.  We like to think of ourselves as trusted advisers who will work very close with you when it comes time to choose the best homeowner’s insurance policy available for your Boise ID home or rental property.

2. Understand Your Coverage and Policy

When it comes to a homeowner’s insurance policy, the insurance agent you work with will make sure you understand exactly what your policy covers. Getting the most affordable option is also a common goal of homeowners. Adding umbrella insurance to an existing policy is always an option for the future.

3.  Understand Your Deductible

When it comes time to choose the amount of the deductible you want, meaning the amount you will need to pay out of pocket in the event you need to file a claim, the simple rule is that the higher the deductible you choose, the lower your premium will be.

To learn more about purchasing homeowner’s insurance for a property in Boise, ID, contact Fuhriman Insurance Agency at 877-342-7935 today.

Insuring a car for work vs. personal use in Boise ID

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When you first contact Fuhriman Insurance Agency looking for a policy that fits your needs, you’re going to have to consider to what extent your car is a personal vehicle, and to what extent you’re using it for work. It’s not always as cut and dry as, say, patrolling as a security guard and driving a car that belongs to the security agency, and trusting that your employers have you covered. If you drive for Uber or deliver pizzas in your personal vehicle, for instance, then you need to make sure that you’re getting a policy that reflects that. Fuhriman Insurance Agency can help Boise, ID drivers to find that policy, but you can’t just start driving professionally and hope that your current policy has you covered.

Some insurance companies won’t cover you at all if you drive for a living, but you are nevertheless going to be looking at personal insurance policies to get coverage for a car that serves as both a personal vehicle and a work vehicle.

Some companies will provide supplemental insurance while you are working for them. Uber, for instance, will offer additional coverage any time the app is actually in use. Many delivery restaurants offer the same deal. However, your employer or the agency you’re working for is not able to offer full coverage in Boise, ID. You need to talk with your insurer, let them know what you do for a living, and make sure that you are covered against all the risks that that entails.

In short, getting your personal car covered for work use is pretty easy for most drivers, but you can’t take it for granted, you have to ask your insurer about getting covered for business use.

Do All Homes Need Home Insurance?

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When it comes to insuring your home, it can be difficult to decide if your home needs a policy or not. There are of course legal considerations, but there are also considerations of rebuilding as well. The agents with Fuhriman Insurance Agency in the Boise, ID area can help you get your policy set up and ready to go.

The simple answer to this question is yes, every home needs an insurance policy unless you have the money lying around to rebuild after the home is damaged or destroyed. Most people do not have hundreds of thousands of dollars lying around so making sure you keep up a policy that has enough coverage is going to make a huge difference in how quickly you can rebuild.

Homes that are already paid for are not legally required to have a home insurance policy, but they can still benefit from keeping a policy. As mentioned before, if you do not have a home insurance policy, it is going to be your responsibility to come up with the money to either rebuild or repair or even buy a new home if yours is destroyed or damaged.

For a few hundred dollars a year you can protect your home and make it possible to collect an insurance pay out to rebuild or repair if your home is damaged. Your home is a very important part of your life and protecting it with a home insurance policy is the best way to make sure you always have a place to live and that you can recover if something happens to your home.

If you live in the Boise, ID area, the agents with Fuhriman Insurance Agency can help you find the policy that fits your home each and every time.

3 Reasons Auto Insurance Is Necessary

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In Boise, ID, it’s common for people to forget about the importance of their auto insurance. Until you actually need it, it can just seem like another unwanted bill you have to pay. But there are so many reasons to be glad that you have it rather than annoyed, and Fuhriman Insurance Agency can give you a few key points to remember.

1. Your Savings Account Is Never Enough

This particular reason doesn’t just mean that you never seem to have the funds to pay for that new handbag or necklace you want. When an accident happens, you could be deemed responsible for tens of thousands of dollars for both property damage or bodily injury. Almost no one in the world has that type of savings account to cover it all.

2. Keeps the Law at Bay

When you don’t have enough money to cover the damage, you’re subject to legal threats and more. While no one can extract money from that you don’t have, not having car insurance can mean having wages garnished for years or possibly even ending up in jail. No matter how you look at it, you really can’t afford not to have it.

3. You Need Someone to Call

When something happens in Boise, ID, you need to have someone to turn to other than just your family and friends. Fuhriman Insurance Agency can provide much more than just sympathy. The right agency can give you both helpful advice and the crucial financial assistance when you need it most. This type of safety net is truly priceless to those in complicated situations. Call to find out more about how our agency has been helping our clients for years and what we can do to get you the right policy.

Tips for Protecting Your Home for the Winter

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Temperatures can drop severely in Boise, ID. You should think about protecting your home for the winter before the weather becomes extremely harsh.

  • Overhanging Trees – Trees that are not trimmed properly can have old branches that weaken when the weather changes. Weak branches can fall on your roof or damage other areas of your home. Make sure these branches are taken care of before winter arrives.
  • Water Heater Temperatures – Lower the temperature of your water heater by 20 degrees. Most heaters usually push hot water at 140 degrees. If you manually decrease the temperature to 120, you could save lots of money as well as reduce wear and tear on your water pipes.
  • Ceiling Fan Direction – During the winter, change your ceiling fan’s direction. Switch it from counterclockwise to clockwise. This will allow the heat, which naturally rises, to be pushed down by the circulation of the fan. Warm air will travel down and help keep your rooms warm. Changing the direction of the ceiling fan is a simple, yet great way to minimize heating costs.
  • Door Locks – Extremely cold weather can contract metal door locks causing the key to freezing inside the locking mechanism. A simple solution is to spray a small amount of lubricant in the lock to prevent freezing.
  • Check Your Policy – Winter begins at the end of the year, so it’s a good time to go over your policy and make sure you’re covered. Understanding your coverage for winter accidents or mishaps will give you peace of mind. It is also a good time to add extra coverage if it is needed.

Boise, ID residents, can have our expert agents helping them with their home insurance policy. We can also offer assistance with new or existing life, health, and auto insurance policies.

5 Ways to Decrease Your Home Insurance Premiums

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The cost of homeowners insurance in Boise, ID can vary depending on several factors that may seem out of your control.  While some factors are determined by things you can’t do anything about, such as location, the material your home is made from, or the rates of home insurance in the marketplace, there are things you can change.  Here are 5 ways you can decrease your home insurance premiums.

  • Deductible – Raising your home insurance deductible, the amount you pay towards a loss, can decrease your home insurance up to 25%.  If you put this amount of money in a savings account, you can make money by keeping a higher deductible amount set aside.
  • Security – Improving home security can save up to 5%.  For example, adding smoke detectors to each level of the home, having fire extinguishers in easy access areas, installing burglar alarms, and deadbolt locks will all help.
  • Rebuilding Cost – Don’t confuse the home’s rebuilding costs with how much you paid for your home.  Remember, the land isn’t at risk for damage, so you only need insurance for the cost of rebuilding the home.
  • Good Credit – Maintaining a good credit history can decrease home insurance rates because insurance companies use credit information in determining rates.
  • Loyalty – Using the same insurance company for your insurance needs can make you eligible for up to 15% in discounts depending on what’s insured.

Fuhriman Insurance Agency

If you own a home in the Boise, ID area, you want to work with a community trusted company like the Fuhriman Insurance Agency.  Our independent agents will help you explore your home insurance discount options.  We can also give you helpful suggestions of things you can do to give you more discount opportunities.

Hiring a Contractor to Prep Your Home for Winter Weather

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Your house is designed to protect your family throughout the year, but it was also intended to have routine maintenance conducted in order to hold its integrity against the weather. Autumn is always a good time to consider what work may be beneficial toward maintaining your house as a home, simply because summer storms and winter freezes cause different issues which build on each other. Repairing damage from summer storms prepares your house against the upcoming winter weather.

Typically, your insurance isn’t going to cover routine maintenance charges. With that concept in mind, it never hurts to speak to your insurance agent when discussing maintenance or upgrades to your home with a contractor. Your contractor may be able to justify legitimate damage which allows your insurance agent to offset at least part of the cost. The agent, on the other hand, may be able to suggest a minor change in how the job is approached which allows the contractor to bill the insurance company for some or all of the work to be conducted.

Typical winter preparedness includes a few minor tasks such as cleaning the gutters, inspecting your furnace, and assuring your siding and windows are doing their jobs of keeping heat in and cold out. When you hire a contractor to prepare your home for the upcoming winter weather, you should also speak with a representative from Fuhriman Insurance Agency. Even if the repairs aren’t covered by your current policy, the fact you take such great care of your home might be a consideration toward future insurance expenses. Furthermore, preemptive maintenance always pays for itself by preventing more expensive damage which can happen later if the house isn’t prepared against the weather.