Renters Insurance

Your Car: Is It Covered By Renter’s Insurance?

Posted on by AgentInsure

At Fuhriman Insurance Agency, we have seen just about every kind of problem that could affect a homeowner. One that is sadly common is losing a rented home through a fire, including the vehicles parked in the garage. Will your Boise, ID renter’s insurance policy cover your car?

Sadly, Your Car Is Not Covered

Renter’s insurance will not cover vehicles or cars that are damaged as a result of any circumstance. In fact, most policies will expressly state that they do not cover this kind of damage. While this can be a frustrating situation, it is understandable. It would cost the company too much to pay for your car repairs.

There is one instance, however, in which renter’s insurance may cover your car damage. That is if your car is used to service the residence, rather than being used on the road. This situation can be confusing to understand, though, so it is vital to discuss how it works.

When Renter’s Insurance Covers Your Car

As mentioned above, renter’s insurance will cover your car’s physical damage if the vehicle is used to service the home. This means that the vehicle is used only on the property and to service it. For example, if you live on a piece of rented property and you own a truck that you use to do farm work, then it is likely to be covered by renter’s insurance.

The tricky part of this is that your vehicle cannot be used for any roadworthy purposes. In fact, it can’t even be registered to drive on the road at all. In this instance, your vehicle is considered part of the property and is covered. Otherwise, renter’s insurance does not cover your vehicle.

Covering Your Vehicle And Home

Don’t hesitate to contact us at Fuhriman Insurance Agency today if you live in Boise, ID or in the surrounding area. We will provide you with the high-quality help you need to protect your vehicle and your rented home from serious damage.

Ways To Improve Your Rental

Posted on by AgentInsure

As a renter, there are not many things that you can do to improve a property. This is simply because you do not own it and cannot make any permanent changes without approval from your landlord. There are a few ways you can make improvements to the property without making permanent changes. These improvements can make the home reflect your personality more while you live there. Follow these tips to make your rental more appealing!

  • Add a mirror to a room that may feel small. Adding a large mirror in a corner of a room can really open up the space. This will need to be a mirror that you can stand up on the floor so you do not make any actual changes to the rental. 
  • Use a colorful rug to hide ugly flooring. Sometimes in rentals, you do not get brand new carpet or flooring before moving in. If you do not like the look of the flooring, cover it up with a rug of your choice.
  • Add some plants to bring life to the property. It is amazing what a few plants can do to the look and feel of a room. If you want some more life in a room, add some plants, even if they are fake.
  • Consider painting a wall or two. You will want to check with your lease but if you can paint the walls, as long as you repaint them the generic color upon move-out, do it! You may want to consider just painting an accent wall for a few rooms.

If you are renting a property, you should be insured. If you do not currently have rental insurance, contact Fuhriman Insurance Agency serving Boise, ID, to get a quote for a policy that fits your needs.

Ensure That Your Personal Property Coverage Exceeds the Value of Your Possessions

Posted on by AgentInsure

One of the main coverages included in most renters insurance policies is personal property protection. Designed to insure your belongings against a variety of perils, this coverage will reimburse you if your possessions are damaged or lost in a covered incident. In order to have your belongings fully insured, your renters insurance policy’s personal property protection limits need to exceed the value of your belongings.

Personal Property Coverage Limits

Like all insurance coverages, personal property coverage includes limits that determine the maximum amount your insurance policy will pay for a covered loss. Your insurer won’t reimburse you more than your coverage’s limits, and your coverage may include different limits for different types of belongings. Your coverage’s limits should exceed the total value of your covered possessions.

Sometimes, renters are tempted to lower their personal property coverage in order to reduce their premiums. Doing this leaves you vulnerable, though.

Finding Affordable Coverage

Instead of sacrificing your coverage to save on your insurance premiums, you should shop around for a more affordable renters insurance policy. At Fuhriman Insurance Agency, our independent insurance agents make it easy to find the lowest-priced policy in Idaho. In just a short while, they can pull up multiple quotes and compare them with your current premiums. If there is a cheaper option, they can help you switch.

If you live in Boise, ID, or anywhere else in the state, contact our agents through our website to find affordable personal property coverage. The entire process is quick, and it could save you a few dollars every month without sacrificing your coverage.