Author: AgentInsure

Why Is It Worth Having Renters Insurance

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There are many reasons why renters insurance is a good idea, even if you don’t think you have much to lose. Most people underestimate the value of their possessions and the protection that renters’ insurance can provide. Here are four reasons why every renter should consider getting coverage.

Your Possessions Are Valuable

Even if you don’t think you have much, your possessions are likely worth more than you think. Everything has a price tag from your clothes and furniture to your electronics and appliances. And if something were to happen to them, like a fire or burglary, you would have to replace them out of your own pocket. With renters insurance, you can rest assured that your possessions are protected.

Your Liability Is Covered

If someone gets hurt while in your home, you could be held liable whether or not you are at fault. This includes medical expenses and legal fees if a lawsuit is filed. With renters insurance, your liability is covered up to a certain amount, which can help protect you financially.

Your Landlord’s Insurance Doesn’t Cover You.

Most landlords have insurance to protect the building, but this does not cover your personal belongings or liability. It would help if you had your own renter’s insurance to be fully protected.

It’s Affordable

Renters’ insurance is surprisingly affordable, especially when you consider the peace of mind it can provide. It’s a small price to pay to protect your possessions and financial security.

Get Renters Insurance in Boise, ID 

There are many reasons why renters insurance is a good idea. No matter how safe you feel or how little you think you have to lose, it’s always good to be prepared for the worst. Contact Fuhriman Insurance Agency today for more information on renters insurance and to get a quote.

Umbrella policies can help fill the gaps in your commercial insurance coverage

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Boise, ID area business owners turn to the Fuhriman Insurance Agency for all of their commercial insurance needs. As your business grows, it may be time to take a closer look at an umbrella insurance policy. We look forward to working with you!

Umbrella policies can help fill the gaps in your commercial insurance coverage

When it comes to commercial insurance, you never want to run out. Policy limits can be reached, and then your company can become financially responsible for a number of losses. Knowing that one major event could cause your primary policy levels to be reached or exceeded is enough to keep any business owner up at night!

Putting an umbrella policy in place can allay those fears and provide the protection your company needs. When a primary policy is maxed out and no longer providing protection, that is when an umbrella policy can be used to fill any gaps. Knowing that you have this excess coverage can provide the peace of mind necessary for you to focus on your business rather than worrying about maximum policy levels. 

Don’t wait until your primary policy is exhausted before you begin to consider adding an umbrella policy to your commercial insurance portfolio. Now is a perfect time to sit down with a trusted local agent and find out more about the available umbrella insurance policy options.

Let us help you with all of your commercial insurance needs!

If you are a business owner in the greater Boise, ID area, the team at Fuhriman Insurance Agency would welcome the opportunity to work with you. Give our office a call today and schedule an introductory consultation. We are proud to serve the insurance needs of our local business community!

Is it Time to Update My Auto Insurance?

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Purchasing auto insurance is not only mandatory but cushions you financially when accidents happen. While most people have invested in car insurance, only a few bother to update the policy. If you want to get the best out of your car insurance, reviewing it regularly shouldn’t be an option.  Not sure when you should update your car insurance? Fuhriman Insurance Agency in Boise, ID is here to guide you.

When you change your personal details

If you have changed personal details, such as your name, it’s essential to inform your insurer. Most couples change names after marriage only to forget that informing their insurer is necessary.

Also, don’t forget to change the name on the license since the name on the insurance policy should match the one on the license.

When selling your current car

Would you like to upgrade your current car? No problem. All you need to do is inform your insurer. The good thing is that most insurance companies allow you to transfer your existing policy to your new one.  However, the premium may go up if the value of your new car is high.

Moving to a new address

Where you live is one of the factors that’s considered by most insurers when computing your premium. If you are moving locations, inform your insurer. They will advise whether there will be any changes in your premium.

Change of use

Want to convert your car into a commercial? You just need to update your current car insurance to commercial auto insurance. This way, your claim won’t be rejected when your car is involved in an accident when running business errands.

Learn more about car insurance

Reviewing your car insurance not only makes the processing of claims smooth but also ensures your current needs are covered. Want to update your auto insurance in Boise, ID. Please get in touch with Fuhriman Insurance Agency for guidance.

Is Home Insurance Mandatory in Idaho?

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Home insurance in Idaho state is not mandatory. However, Idaho is a state of diverse weather which poses risks all year round for property owners. That said, if you are a homeowner in Idaho, home insurance should be a must-have. One unpredictable event could bring down your entire home, and the consequences can be devastating.

That said, even though the state of Idaho does not require one to have home insurance, it’s a crucial asset that all homeowners must purchase. If you buy home insurance from Fuhriman Insurance Agency, you enjoy the below benefits.

It offers you liability protection

Accidents can happen within your home compound. For instance, someone can trip on stairs or drown in your swimming pool. Unfortunately, you can be sued for that. We all know how expensive legal charges are. Home insurance will protect you from legal responsibilities.

It protects you from natural or human-made disasters

Because Idaho weather is diverse, a natural calamity like hail, sandstorms, or lightning can occur and destroy your house. Luckily, comprehensive home insurance will protect you from damages or losses caused by the insured natural calamity. Besides protecting you from natural disasters, comprehensive home insurance protects you from homemade disasters like thefts, riots, and vandalism.

It provides you with temporary living expenses

In case of an unfortunate event that reduces your home to being inhabitable, the insurance provides you with temporary accommodation as they renovate or rebuild your home.

It protects your personal belongings

In addition to covering the structure of your house, home insurance has coverage that protects your contents in case of damage or loss. These contents may include clothing, furniture, appliances, and much more.

Home insurance in Boise, ID

No matter where you reside in Idaho, your home is an excellent investment that needs protection. Home insurance from Fuhriman Insurance Agency is all you need if you live in Boise, ID, and its environs. Contact us today for an affordable quote.

Why Should I Bother with Pest Control Insurance?

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From pesky crawlers to giant rodents, pest control companies do a critical job of keeping unwanted species from your premises. All this is important to keep the client’s premises healthy and safe. Unfortunately, if you are an exterminator, you have to contend with certain risks, just like any other business. But thank goodness, you can count on pest control insurance from Fuhriman Insurance Agency to protect your Boise, ID pest control business.

Why pest control insurance matters

In business, we are always looking for ways to keep costs in control. However, in your cost-cutting strategy, don’t be tempted to shave your insurance budget, especially pest control insurance if you offer extermination services. Pest control insurance is an asset for your business because it protects you in the following areas:

Liability protection

There are so many areas that can go wrong when offering pest control services. Your employee could spray on your client’s expensive electronics, causing damage. Your products could also harm your client. Unfortunately, when you are accused of property damage and bodily injury, the claims are so high to the extent of bringing your business down.

Luckily, investing in pest control insurance can cushion you against liabilities.

Protects your employees

Pest control insurance contains an aspect of worker’s comp insurance that protects your employees when they get ill or sustain work-related injuries. This coverage covers medical costs and partial loss of income for injured workers who can’t resume work.

Protects your business finances

Not convinced with why you should invest in pest control insurance? Figure out how much it would cost if you were faced with a lawsuit. Also, think of how much it would cost to finance employees’ medical costs.  Since these costs can take a toll on your finances, you need pest control insurance to protect your business capital.

Buy pest control insurance in Boise, ID

Want to protect your extermination business with pest control insurance? Please get in touch with Fuhriman Insurance Agency for an affordable quote.

How Much Auto Insurance Do I Need?

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Most states require motorists to buy auto insurance. And if you are on a budget, you might be tempted to stick to basic auto insurance to meet the state’s minimum requirements. But is this enough? Of course not. It would be best if you had more than the state-required auto insurance to protect yourself, your car and your family. But how much auto insurance do you need? Fuhriman Insurance Agency of Boise, ID has the answer.

What’s the minimum insurance I need?

If you want to have adequate car insurance, you first need to meet the state’s requirements. For instance, motorists must purchase bodily injury liability of $50,000 per accident and property damage liability of $15,000 for every accident in Idaho. Underinsured and uninsured motorist policy is required, but you can reject this in writing.

How much liability insurance do I need?

Liability insurance covers bodily injury and property damage to others. It also covers legal costs should you be sued. We usually advise clients to maintain liability coverage of $500,000, covering bodily injury and property damage liability.

However, if you need additional liability coverage of, let’s say, $1 million, we advise you consider umbrella insurance.

How much physical damage coverage do you need?

Opt for comprehensive or collision coverage that can compensate the full amount if your vehicle is totaled. As for deductibles, choose an amount that you are comfortable with. But remember, the higher the deductible, the lower the premiums — and vice versa is true.

How much medical payment coverage do I need?

This depends on whether you have a health insurance plan and its benefits. But even if you have health insurance coverage, you should consider MedPay because it gives you and your family additional coverage like partial wage compensation.

Still not sure how much auto insurance you need? Please get in touch with Fuhriman Insurance Agency of Boise, ID for an affordable quote.

Can Landlords Require Renters’ Insurance?

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You’ve been searching for the perfect place to rent for weeks, and you’ve finally found the one that fits your life and personal preferences. It’s time to sign the lease and the landlord says you must provide proof of renters’ insurance. You may be asking, is this legal?

The bottom line is yes. Your landlord can require renters to obtain an insurance policy. While Idaho state law doesn’t require tenants to carry a renter’s policy, there are several reasons it’s a good idea. Fuhriman Insurance Agency serving Boise, ID can help.

Understanding Your Landlord’s Liability

Even landlords aren’t required to carry insurance on the properties they rent out. However, if there is a mortgage on the property, most loan companies require owners to obtain a certain amount of insurance. Landlord or homeowner’s insurance generally includes property and liability protection, which protects the individual from financial loss.

Benefits of Renters’ Insurance

Since a landlord’s insurance only covers their property and not yours, it’s important to obtain coverage that protects you as well. Just like a landlord’s, renters’ insurance can include property and liability insurance.

How Much Do I Need?

To determine the amount of coverage you want or need, think about the value of your belongings and take inventory of your possessions. The type of coverage, coverage amounts, and deductibles can all affect the amount of your premium.

What Happens If You Refuse to Obtain Coverage?

If your landlord requires renters’ insurance, there may be a clause in the lease that says something like “Lessee is required to provide proof of renters’ insurance within 10 days of the start date of the lease.” Failure to provide proof would result in termination of the lease and the landlord could start eviction proceedings. 

For more information on renters’ insurance, contact Fuhriman Insurance Agency serving Boise, ID. 

Perks of Umbrella Insurance Idaho Residents Should Know About

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Umbrella insurance is an insurance policy that Idaho residents can get that will protect them from legal liabilities after other liability policy limits are met. This insurance policy can protect you from financial losses in the event of a legal crisis.

At Fuhriman Insurance Agency, we help Boise, ID residents stay protected from financial losses in the event of a major liability. Learn about the perks of umbrella insurance here.

Key Benefit of Liability Insurance

The key benefit of liability insurance is that it will cover you when there is a legal liability after other liability limits are met. When you have an accident at home or with your car for which you are held liable, you will file claims through your home or auto insurance policy.

If the claim is higher than your policy coverage, you can use umbrella insurance to fill in the gaps. The main benefit of umbrella insurance is that it has higher limits than general liability coverages.

Umbrella Insurance Covers More

Umbrella insurance covers more than just topping up your general liability coverage. If you are being held liable in a lawsuit for defamation, false arrest, or malicious prosecution, you can use your umbrella insurance to qualify for that.

This coverage helps you to protect yourself in the event of a potential financial crisis. You will keep your assets, and be protected against multiple liabilities. When an unforeseen problem arises, umbrella insurance is there. 

Get a Quote

If you are looking for a little extra liability coverage in the event of a crisis, umbrella insurance could be the answer. This will provide an umbrella over your other general liability policies to cover you when an accident or legal problem arises. 

At Fuhriman Insurance Agency, we want Boise, ID residents to be protected from financial losses through life’s liabilities and unexpected legal challenges. Call us for a quote today.

What Does Term Life Insurance Cover?

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Term life insurance policies cover a specific period of time, allowing you to collect a death benefit for a specific period of time. If you are considering term life insurance, you want to make sure that your family will have the protection they need.

Fuhriman Insurance Agency serves the residents of Boise, ID, providing life insurance solutions. These are some of the things term life insurance covers.

Term Life Insurance Pays a Death Benefit

The main point of getting term life insurance is for your family to receive a benefit upon your death. If you pass away, your family receives the insurance benefit that you’ve been paying into. It is important that you know what types of death situations will help you get the coverage you want for your family.

Term Life Insurance Is a Short-Term Option

You should also know that term life insurance covers only a portion of your life. This is why many people use insurance to provide a benefit to their young dependents. For instance, you might have children who will be adults within 15 years, so a short-term insurance option works well.

Term Life Insurance Covers Varying Terms

When it comes to term life insurance, you have a lot of freedom to choose the coverage you are looking for. Your coverage can provide protection for your family for 10, 15, or 20 years. Make sure that you read your contract to understand exactly how long your insurance will last.

Get Term Life Insurance Today

Fuhriman Insurance Agency, which serves Boise, ID, offers term life insurance policies. Get the information you need today to get the best insurance to protect your family.

Workers Compensation Overview

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Fuhriman Insurance Agency provides coverage to the Boise, ID community, as well as the surrounding areas. We are an independent agency. We sit down with our clients to assess their unique situations. We have relationships with multiple carriers throughout the Pacific, allowing us to offer our clients flexible policies. We are looking forward to helping you find the coverage you need to protect your assets.

Workers Compensation Overview

The Boise, ID community depends on the success of small businesses. As a business owner, you are constantly looking for ways to stand out from the competition. Having a strong commercial insurance policy can help. Commercial insurance covers your business against the risks of operating a business. All of your equipment is covered if it is vandalized or stolen. You are also covered if severe weather damages your building. Liability coverage is important. Your business will be protected if a customer suffers an injury while visiting your property.

Workers Compensation

Worker’s compensation allows you to protect your business and your employees at the same time. Your employees help your business function properly. However, there are occasional issues in the workplace that need to be addressed. Perhaps there are allegations of harassment. Maybe one of your employees suffers an injury. Worker’s compensation protects your business against possible legal action. The policy covers your employee’s medical treatment and rehabilitation. If the injury is serious, your employees are also covered if they need to go on disability for a while. Having a strong workers’ compensation plan can help you attract the best talent. Your business becomes appealing because you are showing that you value the contributions of your staff.

Fuhriman Insurance Agency Will Help You Protect Your Investment

Visit our website to learn more information about commercial insurance.