What coverage does renters insurance provide

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Less than half of all renters carry renters insurance. It is unclear whether they think that their landlord covers them or they don’t understand what is at stake if you don’t have it. In Boise, ID, at the Fuhriman Insurance Agency, we are an independent insurance agency, and we can show you how important protecting yourself with renters insurance is. 

Personal property

Much of what you own as a renter is probably located within your rental. Imagine a fire or tornado destroyed your rental property and all of your possessions. Would you be able to replace everything easily? What about if your rental was burglarized and your valuables stolen? How would you cope? If you have renters insurance, you will be able to replace the things that you lost. It is stressful enough to have to go through a loss, but wondering how you are going to pay for it is a stress you can avoid. Your possessions are covered away from home as well. 

Liability

If someone is visiting your rental and gets injured, they may have medical expenses and could sue you for damages. Renters insurance protects against legal action and the costs that may accompany it. 

Loss of use

If your rental is damaged so badly that it is not habitable, where would you go, and how would you pay for it? If you have rental insurance, it should have loss of use coverage so that you can get temporary lodging and some meals paid for if you cannot cook. It helps make a stressful situation less stressful.  

If you call Boise, ID home, you can count on the Fuhriman Insurance Agency to provide for all your renter’s insurance needs. Call our office today to get a no-obligation quote. 

Four rules to follow when it comes to your commercial insurance

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Commercial insurance can protect your livelihood as a business owner in Boise, ID. At Fuhriman Insurance Agency, we provide commercial insurance to area businesses. 

Here are a few essential rules to follow when you insure your commercial venture. Below are four rules to follow when it comes to your commercial insurance. 

Don’t wait too long to buy commercial insurance.

Many business owners make the mistake of assuming their company is still too small to need insurance. However, companies of all sizes can benefit from being insured. That’s why you should purchase commercial insurance early in your company’s history. 

Know what your company’s risks are

Doing a detailed risk assessment will allow you to determine precisely what types of coverage you need and how much coverage you should invest in.

A risk assessment can help you make decisions about commercial insurance, optimize operations, and improve safety at your company. 

Take time to explore options.

Do your research on commercial insurance options by contacting a few insurance providers and getting policy quotes from them. Comparing your options will make you confident that you’ve made a good choice when you buy a policy. 

Make changes to your coverage when necessary.

As a business owner, you most likely have ambitious goals for growing your company. Your company’s insurance needs will change as your company grows, so many necessary changes to your commercial insurance policy to keep up with changes. 

Are you ready to insure your company in Boise, ID? At Fuhriman Insurance Agency, we can answer your insurance questions and provide you with a quote on a policy. Get in touch with us today!

When Tomorrow is Uncertain: The Importance of Life Insurance Planning

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Life in Boise, ID is full of uncertainties and unexpected things, and sometimes we find ourselves caught off guard. That’s why having a solid financial plan is crucial, especially in managing unpredictable circumstances. One of the most vital components of any financial plan is life insurance. Fuhriman Insurance Agency has life insurance policies to fit every stage of life.

Take Care of Your Loved Ones

Life insurance is a safeguard that can provide financial assistance to those left behind in case of the unexpected. Your family may have to cope with many expenses like funeral costs, medical bills, and debts you might have left behind. Life insurance can help cover these costs and offer financial support to your loved ones in their time of need, allowing them to cope with a difficult period without worrying about their financial status.

Protect Your Business

Without a proper plan in place, business owners run the risk of not securing their company’s future. Business life insurance can protect businesses from unforeseen circumstances like the death or disability of an owner or a key employee. It can also offer flexibility in circumstances like selling or retiring. Getting business life insurance can provide peace of mind to business owners and offer security to employees in case of unexpected happenings.

Life insurance planning is an investment that focuses on your family’s future in Boise, ID. It’s hard to know what the future holds, but having a solid financial plan can provide peace of mind and help alleviate any financial stress our loved ones may face. Speak with Fuhriman Insurance Agency today to discuss your life insurance options and best plan for your needs and budget.

What is the benefit of having an auto insurance plan in Idaho?

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Anyone that lives in the Boise, ID area will find that owning a car is a good idea. With a car, you can get around the community and enjoy all the local amenities. When you choose to buy a car, you must also get insurance. A lot of benefits will come with having an auto insurance policy in this area. 

Cover Your Car

An important benefit that will come when you have an auto insurance plan here is that you can cover your car. If you are going to invest in a vehicle, you will be making a large purchase that you will want to enjoy for a long time. A great way to protect this vehicle is by getting an auto insurance plan with full coverage. With comprehensive coverage, you can have the support needed to replace or repair your vehicle if you incur a loss. 

Comply with all Obligations

A full auto insurance plan will also ensure you comply with all obligations. If you buy a car, you will likely take out a loan, and the lender will require you to carry comprehensive insurance. Further, the state of Idaho requires all drivers to carry liability coverage. You will remain in good standing with all such obligations if you maintain an auto insurance plan. 

It is always a good idea for people in the Boise, ID area to get an auto plan for their car. When you are ready to start looking for coverage here, call us at the Fuhriman Insurance Agency. At the Fuhriman Insurance Agency, we know the value that comes with this coverage. We can offer the guidance you need to build a plan that covers your vehicle correctly. 

Why Do You Need Pest Control Insurance?

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If you have a pest control business, you have unique insurance needs. At Fuhriman Insurance Agency in Boise, ID, we offer commercial pest control insurance to protect your business and assets. 

General Liability 

As an exterminator, a general liability policy is essential. It protects you if a client’s property is damaged or they are injured. 

General liability will cover their medical expenses if they get sick from the chemicals you applied. If their couch is damaged while you are spraying, this is also covered. It also provides coverage for false advertising and copyright infringement. 

Worker’s Compensation

If you have any employees, workers comp insurance is a good idea. Your job is risky for you and your employees. If they are injured or become ill due to the job, their medical expenses and lost wages are covered under worker’s comp. 

Worker’s compensation insurance can also cover you, even if you have no other employees. 

Commercial Auto Insurance

Your standard auto policy will cover you while driving to work. However, you probably need a commercial auto policy if you carry equipment. 

This policy will also cover employees when driving a company vehicle. 

Business Property Insurance

Do you have an office? A storefront? Do you have a building where you store your exterminator equipment? You need business property insurance if you answered yes to any of these questions. 

This policy will cover your building, as well as your equipment. If someone steals or damages your equipment, or there’s a fire, you’ll be able to replace the building and any lost equipment. 

Pest Control Insurance at Fuhriman Insurance Agency

If you need pest control insurance in Boise, ID, contact us at Fuhriman Insurance Agency. Our friendly agents are happy to discuss your options and help you get the proper coverage. 

What comes with my toy insurance policy?

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Many people love living in the Boise, ID area because it is an active community with many great trails and other places to spend time outside. If you enjoy being outdoors, investing in a recreational toy is a good idea as it will open up many possible activities. Along with this, it is essential that you get the right insurance. A full toy insurance plan offers various forms of coverage that can make it a good investment.

Coverage for Toy

When you invest in a recreational toy, you will want to be able to use it for a long time. A great way to ensure this happens is by getting insurance. When you have toy coverage, you will have support so you can always repair or replace your toy. 

Liability Risk Mitigation

A reason why all people should have this coverage is so they can reduce their liability risks. Even if you are very experienced and diligent when using a recreational toy, there is a chance you could cause an accident. If this does occur, you will need to pay for any resulting damages. If you have toy insurance, it will give support so you can cover these costs through the liability insurance provision. 

If you purchase a recreational toy in this part of Boise, ID, you will want to know that you have the right coverage for it. To ensure you select the correct type of toy coverage here, it would be ideal to start your search by calling our team with the Fuhriman Insurance Agency. There are a lot of important choices to make when looking for this coverage, and our team with Fuhriman Insurance Agency can ensure you select the right policy for your situation. 

How Workers Comp Insurance Works in Idaho

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Workers’ compensation insurance offers employers in Idaho financial protection if and when an employee is injured. This type of policy helps pay for lost wages and even medical care as needed. It also helps protect employers from lawsuits. If you’re currently looking for workers’ comp insurance in or near Boise, ID, contact us at Fuhriman Insurance Agency to learn more. In the meantime, continue reading to see how workers’ comp insurance works in Idaho:

  • Coverage Requirement: In Idaho, with few exceptions, every employer who has one or more employees, full or part-time, must provide workers’ compensation coverage either by purchasing an insurance policy or by becoming self-insured.
  • Reporting an Injury: If an employee is injured on the job, they should report the injury to their employer as soon as possible. The employer is then responsible for filing a report of the injury with the Idaho Industrial Commission within ten days of learning about the accident.
  • Medical Treatment: The employee can choose their physician if an injury requires medical attention. However, Idaho employers can limit the choice of treating physicians if they provide a written list of physicians or a managed care organization has been designated.
  • Wage Replacement: If an employee cannot work due to a work-related injury or illness, workers’ comp insurance provides temporary disability benefits. The amount typically equals about two-thirds of the employee’s average weekly wage, up to a maximum amount set by law each year. Permanent partial or total disability benefits are also provided if the worker’s injury leads to permanent disability.
  • Legal Disputes: If there’s a dispute about the benefits, such as a denial of a claim, the worker can request a hearing before the Idaho Industrial Commission, which is the state agency that administers and enforces Idaho’s workers’ compensation laws.

And remember, if you’re currently looking for workers’ comp insurance in or near Boise, ID, be sure to contact us at Fuhriman Insurance Agency today!

Why All Renters Need Renters’ Insurance

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Renters’ insurance is essential for anyone who rents their home. It’s important to have renters’ insurance from the first day you rent your home. If you are moving soon or want to change to a different company, call us at Fuhriman Insurance Agency in Boise, ID. We’d happily develop the right policy for you and your needs. 

Protection for Your Belongings

When you’re a renter, virtually everything you have is inside your rented home. It’s important to protect those belongings so that you can mitigate your risks. When you have renters’ insurance, it will protect your belongings so that they can be replaced if something happens to them. The covered events are in the policy. These may include things like accidents and specific types of disasters. When you have this coverage, the policy can pay you to replace your things after a destructive event. This is important for ensuring you can return to your regular life. It would be so expensive to replace everything on your own that many people wouldn’t be able to do it. With a policy in place, you never have to worry about this. 

Liability Protection

Since you’re renting your place, you’re responsible for everything that happens there. You’re liable for their bills when someone falls or has an accident. An injury can be costly. It can require you to pay for medical bills, but there may be a lot of other costs. These can include ongoing therapy and lost wages. With renters’ insurance, the policy can pay all those bills. This can save you from financial ruin after an accident happens in your home. 

Get Renters’ Insurance

When you rent, call us at Fuhriman Insurance Agency in Boise, ID to get started with renters’ insurance.

Four Reasons Your Business Needs Umbrella Insurance in Boise

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The unthinkable can happen in business, so it’s good to be prepared. You might need to file for an insurance claim at some point, whether your employee gets into an accident with a business vehicle or gets injured at work. If you have general liability insurance, you are already a step ahead but may need commercial umbrella insurance for your business. Check out these reasons why you should have umbrella insurance in Boise.

It Saves You Money

Paying premiums can be challenging, especially if you already have other types of business insurance. However, premiums are much lower than the liability costsiability should anything happen to your business premises, vehicles, products, or employees. With umbrella insurance, you don’t have to worry about saving vast sums of money to use as emergency funds because the insurance covers the extra costs.

It Provides Extra Protection

Umbrella protection provides additional coverage to your existing coverages, so it is the last option when the other coverages have reached their limits. Umbrella insurance provides handy financial protection in case of vendor or customer lawsuits.

It Gives You Peace of Mind

The business world is risky, and anything could happen at any time. It could be an accident, a lawsuit, or even an injury that involves you or your business. Umbrella insurance gives you peace of mind that you won’t have to worry about surviving an incident that affects your business financially.

All Businesses Can Benefit

In Boise, ID, all businesses can qualify for commercial umbrella insurance if registered. Whether your company has two or more than one thousand workers is fine. You only need to find the right umbrella insurance provider, understand the terms, and protect your business. 

Contact Fuhriman Insurance Agency

Umbrella insurance is a valuable investment that you should consider for your business in Boise, ID. If you want to sign up for umbrella insurance and need assistance, contact Fuhriman Insurance Agency for advice and get started immediately.

Three priorities to focus on when you buy life insurance

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If you have dependents who rely on you financially, you need to purchase life insurance. Consumers in Boise, ID can get life insurance from us at Fuhriman Insurance Agency. 

There are some priorities that it’s essential to focus on when you’re buying life insurance. The following are three priorities you should be focusing on when making life insurance decisions. 

Providing for your family in the future

Buying life insurance is to provide financial support for your family if your income is lost because you pass away.

You need to choose a policy that will adequately support your dependents and allow your dependents to maintain their quality of life if they pass away. 

Choosing a policy that offers an adequate amount of coverage

Crunching the numbers and figuring out how much coverage you need is important. Factors including the number of dependents you have and how much longer your dependents will rely on you financially help you to determine how much coverage you need. 

Fully understand the details of your policy.

A life insurance policy is a complex financial product. It’s important for you to thoroughly understand your policy and what it covers to know if it is adequate for your needs.

Consumers should understand the type of life insurance policy they have. Policy types include whole, universal, and term life insurance. Ensure you understand the merits of each of these policy types to choose the best one for your needs. 

Are you ready to find a life insurance policy to protect your family? You can get a quote on a policy by calling us at Fuhriman Insurance Agency. We’re happy to offer life insurance coverage to consumers in Boise, ID.