Boise ID

Keys to Protecting Your Home from Pests

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Pests are something that no person or home is immune from, and pests come in every type, shape, and size. Sometimes, those pests are minor nuisances, and sometimes, they can be a nightmare. The good news is there are solutions. According to one Forbes article regarding the top pest control companies in Idaho, there is plenty of help to combat pest problems, but sometimes these services can get costly. That is also why people in and around the greater Boise, ID, area rely on the Fuhriman Insurance Agency for all their pest control insurance needs.

How to Help Prevent Pests

With some pest infestations costing potentially thousands of dollars to fix, the best defense against pests and the most effective form of pest control is pest prevention. In other words, it means stopping the problem before it starts. Here are a few keys to help prevent pests from taking up residence in your home.

Maintain an Unwelcoming Environment

Pests are scavengers, parasites, and survivors. They crave food sources, and many like warm and wet environments. Keeping our homes free of open food sources and maintaining a clean and dry environment will make your home a less welcoming option for most pests.

Regular Inspections

The only way to ensure your home is pest-free is to check. Most extermination services offer regular or annual inspections, so you don’t have to guess.

Be Proactive

Last but not least, take action if you see a pest or signs of a pest. It is easier and more affordable to address pest problems sooner rather than later.

Pest Control Insurance in Boise, ID

If you live in or around the Boise, ID, area and have questions or need pest control insurance, our experienced and friendly team of agents at the Fuhriman Insurance Agency can help. Don’t get stung by pests or again by the surprising cost of pest control. Contact us to learn more and schedule an appointment for all your insurance needs today.

How Boise, ID Weather Patterns Can Affect Your Auto Insurance Policy

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Although the weather in Boise, ID is typically mild year-round, some weather conditions can negatively impact your drive. Learn how local weather patterns can affect your auto insurance from the professionals at Fuhriman Insurance Agency. 

Winter Weather Risks for Boise Drivers

Weather conditions like snow, ice, and thick fog can lead to more head-on collisions and sideswipes as local drivers try to navigate slick or icy roads. An increase in regional auto accidents can lead to higher out-of-pocket expenses without the proper auto insurance coverage in place. 

Hailstorm Risks 

The latest group of damaging storms has produced record-breaking sized hail that can wreak havoc and cause significant damage to local automobiles that aren’t safely tucked away in a protective carport or shielded from damaging hailstones by a garage. 

Wildfire Risks 

Increasing local risks for wildfires can also contribute to hazardous driving conditions for Boise area residents. Investing in a comprehensive auto insurance policy can help shield your automobile and your finances from the devastating financial fallout that can occur due to unpredictable weather in the region. 

Get Comprehensive Auto Insurance in Boise, ID 

One of the best ways to protect yourself and your four-wheeled investment from the damaging and unpredictable effects of rapidly changing weather patterns is to invest in a comprehensive auto insurance policy that covers collision and non-collision-related incidents. 

Talk to a trusted local insurance agent at Fuhriman Insurance Agency in Boise, ID, to learn more about how you can get coverage for natural disasters, theft, vandalism, and animal collisions.

Our knowledgeable and friendly agents can provide professional guidance and offer you a customized auto insurance quote based on your driving history and budget.

Protect Your Toys with Toy Insurance Solutions

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There are many reasons why people use insurance, and for some, it goes beyond the basic protection insurance affords. Yes, insurance can help with many needs, from costs for repairs to expenses for damages caused and more, but insurance is about more than protecting people from claims and exorbitant bills or repairs. In some circumstances, like driving, insurance is a legal requirement. In other scenarios, insurance is a standard expectation for doing business for vocations and work such as general contracting. For whatever reason you need insurance, however, having the right insurance partner can make a difference, which is why so many people from in and around the Boise, ID area rely on the Fuhriman Insurance Agency for all their insurance needs.

Toy Insurance to Protect Your Most Valuable Toys

Everything costs are rising, and toys, like electronic gaming systems, are no exception. Then, there are also those old collectibles that cost very little back then but are worth considerably more today. So, how do you protect those expensive toys or those toys that are now highly valued collector’s items? With toy insurance, of course. For the protection your toys need and perhaps even your memories, there is toy insurance to help.

Toy Insurance in Boise, ID

Do you have questions about toy insurance? Are you looking for protection for your toys? The friendly and professional team at Fuhriman Insurance Agency can help. Find the insurance solutions you are looking for at Fuhriman Insurance Agency. Contact us to learn more and schedule an appointment for all your insurance concerns today.

How to Build a Fool-Proof Renters Insurance Policy

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Signing your first rental agreement with a landlord is a monumental moment in a young adult’s life. Although state and local government agencies do not require an individual to have renters insurance, having such coverage is in their best interest. Regrettably, too many renters are unclear about how this insurance policy works. Fuhriman Insurance Agency in Boise, ID, can assist you in creating a fool-proof renters insurance policy to protect your personal property.

Shielding Yourself From Liability Claims

Renters insurance covers all the legal expenses if you are involved in a liability lawsuit, typically filed by a guest who was injured or had their property damaged inside your home. Most renters have not accumulated enough personal wealth to pay for the injured party’s medical bills, lost wages, and repair or replacement costs. The coverage provided will cover all of these expenses.

Protect Your Possessions

For most residential buildings, insurance policies only provide coverage for the structure and do not cover a tenant’s possessions. Renters insurance protects your items from theft, vandalism, fire, and water damage. However, you will need to inventory your possessions with a dollar value for each item, either through photographs or a short video. Completing the inventory process guarantees swift financial assistance to repair or replace all lost, damaged, or stolen items.

Additional Living Expenses Coverage

Standard renters insurance policies include a clause for additional living expenses (ALE) coverage. If your rental property becomes uninhabitable following a natural disaster such as flooding, fire, or a severe windstorm, this could necessitate relocation. The ALE coverage helps pay for unexpected costs like an extended hotel stay while your residence is being rebuilt. Other ALE coverage includes temporary home unit rental agreements, moving expenses, and pet boarding costs.

For new renters, understanding additional insurance coverage can be confusing. At Fuhriman Insurance Agency in Boise, ID, our staff can assist you in creating a fool-proof renters insurance policy that safeguards you from financial catastrophe. Call and schedule an appointment today.

What are the Advantages of Umbrella Insurance For Seniors?

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Most seniors want to pursue their interests and not worry about money. Yet, despite having the typical combination of home and auto insurance coverage, many leave themselves exposed by not carrying an umbrella insurance policy. So, we’ll review how umbrella insurance can be especially valuable for protecting seniors. After reading this article, consider contacting Fuhriman Insurance Agency, serving Boise, ID, to discuss including umbrella insurance in your insurance plan.

How Umbrella Insurance Helps Seniors

If you have reached retirement age, you know that accidents happen, and we use insurance to protect ourselves against the unexpected. You use your auto and home insurance policies to cover your liability for home or auto accidents for which you bear responsibility.

Your home and auto policy limits are high enough to cover your liability in most accidents. However, when your liability exceeds your policy limits, your responsibility for paying the difference may put your savings or other assets, including your home, at risk. Such a situation is especially problematic for seniors who are often past their prime earning years.

Umbrella insurance protects against those situations by providing coverage that extends beyond your standard policy coverage limits. Umbrella insurance premiums are relatively inexpensive since most people never tap their coverage. Yet, it offers an extra layer of financial protection and peace of mind since you know you have protected the assets you worked so hard to accumulate against misfortune.

Working With Fuhriman Insurance Agency

It is comforting to know that you and your family are fully protected in a world where anything can happen. The Fuhriman Insurance Agency, which serves the needs of seniors in the Boise, ID, area, is here to help. Call us at (877) 342-7935 to discuss whether umbrella insurance offers the protection you need.

Risky Times When You May Need More Life Insurance

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For some, insurance may seem complex or even a bit boring. At Fuhriman Insurance Agency of Boise, ID, we have a different point of view. We see insurance as a valuable financial and asset protection product that helps secure our clients’ futures. Insurance can evolve and adjust with changes in your life.

A good example is life insurance. There are times when risks in your life can be reduced through an increase in life insurance. Here are a few.

When You Have a Child

Having children increases your responsibilities and risks. These responsibilities last through a child’s early adulthood, so parents should increase life insurance during this period.

When You Buy a Home

Whether you finance a home for 15, 20, or 30 years, additional life insurance can cover your remaining mortgage balance. Many will buy 20—or 30-year term insurance to provide additional protection during these years.

When Buying or Starting a Business

Buying or starting a business gives you additional responsibilities to your business partners and employees. If you are also a key employee, that increases the risks to your business in the event of your death. Additional life insurance can help cover the risks and responsibilities of ownership until your company can mature.

Peak Earning Years

The amount of life insurance you carry should be reflective of your earning power. When your income is rising, so should the life insurance you carry.

Reach Out to Fuhriman Insurance Agency For a Quote Today

Make sure your insurance coverage adjusts to your lifestyle and financial situation. We can help. If you live in the Boise, ID, area, get the service you deserve from Fuhriman Insurance Agency today. We provide personal, exceptional coverage and service our clients appreciate.

We look forward to assisting you.

Exploring Lesser-Known Commercial Insurance Coverages

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Certain commercial insurance coverages are often overlooked when protecting your Boise, ID business but can be crucial. At Fuhriman Insurance Agency, we’re able to offer a variety of lesser-known commercial insurance coverages that can safeguard your business against risks that likely wouldn’t otherwise be covered. Here are three to consider:

1. Crime Coverage

Crime coverage is a commercial insurance protection specifically for stealing. It may cover losses resulting from theft, fraud, or embezzlement. 

While theft by a burglar is frequently covered under commercial property coverage, this coverage commonly excludes internal theft by employees. For embezzlement and other forms of employee theft, there’s crime coverage.

2. Keyman Coverage

Keyman coverage, or key person insurance, is important if your Boise, ID business highly relies on you (or another essential person). This coverage might help cover costs if a critical employee becomes disabled, passes away, or otherwise can’t run the business. Costs may be paid until another qualified employee can be found, or a lump-sum payment might be given to investors if the company must close.

(Having an employee temporarily not work due to illness typically isn’t covered, nor is an employee leaving for another job.)

3. Business Income Coverage

Business income coverage might help your business survive a prolonged and unexpected interruption financially. If your business must temporarily close due to a covered event, such as a fire or natural disaster, the coverage could pay supplemental payments to cover utilities, rent, wages, and other expenses.

Fully Protect Your Business Today

Ensure your business is protected from the many different risks it’s exposed to. Contact Fuhriman Insurance Agency for help finding all of the commercial insurance coverages your business should carry. 

Steps to Take After a Car Accident

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Car owners are responsible for maintaining auto insurance. If you live in the Boise, ID, area, we invite you to visit us at Fuhriman Insurance Agency. We offer the services of our knowledgeable staff, who will take the time to listen to you and develop the right auto insurance policy for your needs. 

Reporting an Accident 

Drivers need to contact their insurance carrier as soon as possible after the accident. Your insurance company will need information to conduct a claim investigation. Drivers involved in a car accident should also take pictures of their cars afterward.

Determining Who Is at Fault 

According to the Idaho Department of Insurance, the driver at fault will be determined after an investigation by the insurance company. Both drivers might be found to be at fault. Many people don’t know that fault is not automatically assigned to a driver who has been issued a ticket for a traffic violation.

Car Rental Coverage 

If damages from a car accident result in car repairs, you may wonder if your insurance will cover a rental car. If your auto insurance approves payment for a rental car, the payment will continue when repairs are made. Your policy will limit the amount of car rental reimbursement. Some insurance companies will not pay for a rental car if your car is declared a total loss. 

Call Us Today for an Appointment 

Residents of Boise, ID, looking for auto insurance solutions, will find them at Fuhriman Insurance Agency. The agency’s founder, Dan Emery, began serving insurance clients in the Boise area in 1962. We have continued to provide responsive service to the community. Call us today to discuss options that will fit your auto insurance needs. 

Is Pest Control Insurance Right for You?

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Keeping pests at bay isn’t always easy, but it’s important. If you have a pest control company, you must ensure it’s insured against any claims a client might make. In the Boise, ID area, you can get pest control insurance from the Fuhriman Insurance Agency so that you can get back to work with a sense of security for your future. We’ll help you take care of your business so that you can take care of your customers.

Whether you’ve had your pest control company for a long time or just getting started, insurance is an important part of having a successful business and helping it grow. Our agents understand the unique needs of a company that deals with pest control and will work with you to create a policy that meets your needs. We can provide you with quotes from several different insurers, too, so you can choose the coverage type and level you feel good about.

When you seek out an insurance policy for pest control, it’s vital to ensure you get quality protection for your company. The size of your company, the kinds of pests you handle, and other factors could all matter when you’re choosing insurance, which is why you need the advice and guidance of an agent who’s ready and willing to help you get the right policy fit.

Contact us today at Fuhriman Insurance Agency if you’re in the Boise, ID area and looking for pest control insurance. We know you need a quality policy, and you deserve good coverage you can rely on. Don’t settle for less; when we can help you get what you’re looking for, you can focus on operating your company and helping your customers stay free of pests in their homes and businesses.

When Should You Consider Purchasing Toy Insurance?

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Are you a proud owner of recreational vehicle toys like ATVs, 4x4s, snowmobiles, or jet skis? While the thrill of riding these vehicles is undeniable, ensuring their protection should also be a priority. As you indulge in adrenaline-pumping adventures around Boise, ID, considering toy insurance from Fuhriman Insurance Agency could be your best move yet.

Protecting Your Investments

Your recreational vehicles are not just sources of fun; they are valuable investments that deserve adequate protection. Toy insurance covers damages caused by accidents, theft, vandalism, and natural disasters. With the unpredictable nature of outdoor activities, insurance ensures you’re not stranded in unexpected mishaps.

Peace of Mind for Your Adventures

Picture yourself cruising through the picturesque landscapes around Boise, ID, knowing that your recreational vehicles are safeguarded against unforeseen circumstances. Toy insurance gives you the peace of mind to fully enjoy your adventures, knowing that you’re financially protected in case of mishaps.

Tailored Coverage Options

At Fuhriman Insurance Agency, we understand that every recreational vehicle owner has unique needs. That’s why we offer tailored coverage options to suit your specific requirements. Whether you’re a weekend warrior or an avid outdoor enthusiast, our comprehensive insurance solutions are designed to provide you with the coverage you need at competitive rates.

Ready to Protect Your Toys?

Please don’t wait until it’s too late. Safeguard your recreational vehicles with toy insurance from Fuhriman Insurance Agency, serving the greater Boise, ID region today. Our experienced agents are here to guide you through the process and help you find the perfect coverage for your beloved toys. Call us now to learn more or get a price quote.