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.  

Understanding Auto Insurance Basic Terms

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If you are a new car owner looking to get auto insurance within Boise, ID, you will likely face a few challenges understanding what your policy covers. Fuhriman Insurance Agency outlines some basic auto insurance terms to be on the lookout for, helping you get an easy time as you shop for your cover.

At-Fault Party

An at-fault party refers to an individual responsible for causing an accident. During an accident, the at-fault party pays for injuries caused to 3rd parties and repairs to 3rd party property damage.

Covered Risk

Covered risk represents incidents that your policy will help you pay for. These can include collisions with objects such as buildings and electric poles and vehicle damage from fire, hail, and vandalism.

Liability Insurance

Liability insurance is a policy that helps you pay for other parties’ injuries or their property damage. It comes in two forms, with the first being bodily injury liability and the second being property damage liability.

Medical Payments Coverage

Medical payments coverage is an auto policy that helps you pay your medical bills when injured during an accident. This policy also covers your passengers’ costs of medical treatment.

State Required Minimum

The state-required minimum is the limit or the stipulated insurance policy that every motorist is required to have. Failure to carry these required minimum policies could attract fines or lead to license revocation.

Uninsured Motorist

An uninsured motorist is any driver without insurance, with the same also applying to parties with insufficient coverage. When such a party hits you, your coverage pays for damages caused to your vehicle and injuries sustained by you or your passengers.

If in need of auto insurance that factors in your driving needs within Boise, ID, contact Fuhriman Insurance Agency today. Our agents will take you through our various coverage options to help you get a customized policy.

Why You Need Pest Control Insurance

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Pest control insurance offers pest control professionals and exterminators a viable option of insurance coverage against the risks, hazards, and liabilities inherent in the pest control business. If you are a business owner in the greater Boise, ID area, the professionals at Fuhriman Insurance Agency can help customize pest control insurance to ensure your business remains protected.

While your pest control business keeps unhealthy critters out of people’s homes & lives, your business requires similar protection to keep it financially and legally healthy.

The pest control business creates a variety of risks through the everyday use of equipment, chemicals, and human error. A pest control policy can offer protection to commercial and resident customers.

Pest control company owners and exterminators typically worry about these potential liabilities as they may be costly without proper insurance in place –

  • Overlooking termite damage
  • Misapplying chemicals
  • Erroneously damaging a client’s property, to name a few.

The pest control insurance policies offered by Fuhriman Insurance Agency can provide coverage tailored to your company’s specific needs. Fuhriman Insurance Agency is licensed to write pest insurance coverage in 15 states.

Who Needs Pest Control Insurance Coverage?

  • Exterminators
  • Wildlife Control Workers
  • Fumigators
  • Mosquito Control Specialists
  • Lawn & Garden Pest Control Specialists

How Much Does Pest Control Insurance Cost?

The cost of pest control insurance will vary and be based primarily on these factors –

  • The Business’s Location.
  • The Type of Pest Control Services Offered by The Company.
  • The Number of Employees in the Company.
  • The Pest Control Owner’s Choice of Insurance Limits and/or Deductibles.

If you live or work across the greater Boise, ID area and would like to speak with an insurance professional at Fuhriman Insurance Agency about pest control insurance, give us a call today.

Types of Toys Needing Insurance

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When it comes to outdoor enjoyment, you may have some recreational toys sitting in your garage waiting for the weekend. It does not matter what your favorite outdoor toy is; chances are you want to get insurance coverage to protect you against anything that can happen. Many recreational toys need insurance in Boise, ID, and those needing insurance should call Fuhriman Insurance Agency today to discuss their options. 

Boats and Jet Skis

Watercraft insurance helps protect you against any accidents or damage caused to your boat. Additionally, this coverage protects you financially if you are found liable for an accident. Protecting your boat and jet skis is a good idea to help ensure you can enjoy your time out on the water. 

ATVs

An all-terrain vehicle (ATV) provides hours of outdoor enjoyment, especially in the summer months. An ATV insurance policy is suitable for a year and often factors in seasonal usage. Anyone who drives the ATV must have a valid driver’s license to qualify for insurance coverage. 

Campers and Trailers

Standard auto insurance policies do not typically cover Non-motorized campers or utility trailers. Therefore, you may need to purchase additional coverage for these items to ensure they are protected in the event of an accident or theft. 

Golf Carts

Golf carts typically do not require insurance coverage when used to drive around your property. However, if you drive your golf cart on the road, you will need insurance. Having insurance for your golf card, regardless of what you use it for, is an excellent idea to help pay for damage and injury in the event of an accident. 

Motorcycles and Scooters

Motorcycle insurance provides riders insurance specific to their riding needs. Additionally, you should purchase insurance for a scooter, regardless of if it is required by law or not. 

Insuring your outdoor toys in Boise, ID is vital to ensure everything is covered and protected. For additional information about recreational insurance, call Fuhriman Insurance Agency today. 

How Workers’ Compensation Insurance Benefits Your Business

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If you have a business that has any number of employees, it’s important that you have workers’ compensation insurance for your employees. This coverage is important to have for your employees. It pays for their medical bills and other costs that your employees could face if they became injured at work or got a covered disease there. If you have employees and need this coverage for them, give us a call now at Fuhriman Insurance Agency in Boise ID to find out more.

Protection for Your Business

When you have this type of coverage, it doesn’t just benefit the employees that it affects. It also benefits your business. The coverage makes money available for the medical bills for injured and sick employees. This means that your business doesn’t have to come up with that money, and it can be a considerable a, amount. Medical bills add up quickly, and they can be difficult for a small business to cover. It also pays for the lost wages they have if they are unable to work after an accident or developing an illness. This is more money than your company saves after an incident. With this coverage, there is no need for an employee to sue your company after an accident. 

Staying Compliant

Another benefit for your business is that it keeps you compliant with the law. If your business doesn’t have this coverage, you could face a number of fees and fines. Keeping this coverage keeps you compliant with the law so that there are no surprise fines leveed. 

Get Your Workers’ Compensation Insurance

If you don’t yet have the workers’ comp coverage you need for your employees, give us a call right away at Fuhriman Insurance Agency in Boise, ID to get this valuable insurance. It can benefit your business greatly to have this coverage in place. 

Unique Renters Insurance Facts To Consider

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Fuhriman Insurance Agency serves the Boise, ID community. We strive to help our clients find policies that will protect their assets. We understand that each of our clients has a unique situation. That’s why we offer flexible policies. We look forward to helping you find the coverage you need. We are an independent agency.

Unique Renters Insurance Facts To Consider

More rental properties are developed across Boise, ID every year. Many residents recognize the benefits of staying in the city. If you plan to move into a rental property in the area, you need renters insurance. Renters insurance protects your personal belongings if they are damaged or stolen. Here is a look at some other unique renter’s insurance facts.

Your Landlord Is Only Responsible For The Structure

Your landlord is responsible for any damage to the interior of the unit. However, you will still need renters insurance to protect your personal items.

Liability Coverage

Liability coverage is important if you plan to have a lot of guests over to your rental property. You will be protected if one of your guests gets injured. You also have to plan for emergencies such as an accidental fire. Renters insurance covers you if you accidentally cause damage to someone else’s property.

Natural Disasters

Your renter’s insurance policy does not cover your unit if a natural disaster moves through the area. You can add custom coverage to your policy to protect you if a flood or earthquake occurs and damages your property.

Inventory

It’s a good idea to take inventory of your personal items. This can help you figure out the true value of your assets if they are stolen or damaged.

Fuhriman Insurance Agency Will Help You Stay Covered

Visit our website to learn more information about renters insurance.