Boise ID

Insuring Your Auto In Boise ID? Why You Should Make Fuhriman Insurance Agency Your Top Choice

Posted on by AgentInsure

If you live in the Boise, ID area or surrounding areas making Fuhriman Insurance Agency your choice is not only a great decision it is a sound choice. With a range of insurance options, we can handle anything that your life throws your way. We specialize in insurance options for every facet of your life.  

  • Renters Insurance
  • Umbrella Insurance
  • Home Insurance
  • Toys Insurance (WAIT –  we understand the double take more on our Toys Insurance in just a few)
  • Life Insurance
  • Auto Insurance

Now, About That Auto Insurance…

Making your life easier to handle is our goal. Our agents are available if you stop in to see us here in Boise. Call us, email us, fax us a note, for a quote. We are trying to make contact with you by any means. Insuring your auto with us makes it easier to take account of your policies all in one place. Your agent will help you stay on top of all of your insurance needs, so you won’t have to. 

Now, About That Toys Insurance…

When you hear the term Toys Insurance, you may think of getting a great policy for your Slinky, but it’s bigger than that. Our agency like to have fun all of the time and we know you do too. When you are thinking of insuring your RV (Recreational Vehicle), ATV (All Terrain Vehicle), Boat or Motorcycle we want you to think of your big toy as just that a toy. However, since you are responsible, you take care and insure your toys. With Fuhriman you will be able to just think of your fun with the toy and not the responsibility because we have taken care of that for you.     
 

Will a Home Warranty Replace Home Insurance?

Posted on by AgentInsure

Home warranties are becoming more popular than ever. There are commercials for them airing often on television, which has more people considering investing in one. If you are considering purchasing a home warranty, you may wonder if this home warranty will replace your home insurance, or if they can be used in conjunction with one another. Here is a bit of information you need to know.

A Home Warranty Will Not Replace Home Insurance

A home warranty often covers many of the things that a home insurance policy will not cover. This includes replacing an air conditioner if yours dies due to old age or covering repair costs for your appliances. A home warranty does not protect your home against many of the things that home insurance does, such as theft, hail damage or a pipe bursting and flooding your home.

A Home Warranty Does Not Suffice Your Home Insurance Requirements

If you have a loan out on your home, you are required to carry home insurance. A home warranty does not meet this requirement.

You Can Have a Home Insurance Policy and Home Warranty At the Same Time

You are allowed to have both a home insurance policy and home warranty at the same time, and in fact, many people do. A warranty covers items that a home insurance policy may not and vice versa. As such, it may make sense to have both at the same time.

When you have questions about your home insurance policy or are looking for a new one, let Fuhriman Insurance Agency, serving the greater Boise, ID area help. Give us a call and let one of our friendly and knowledge agents answer your questions or give you a free price quote.

5 Ways to Decrease Your Home Insurance Premiums

Posted on by AgentInsure

The cost of homeowners insurance in Boise, ID can vary depending on several factors that may seem out of your control.  While some factors are determined by things you can’t do anything about, such as location, the material your home is made from, or the rates of home insurance in the marketplace, there are things you can change.  Here are 5 ways you can decrease your home insurance premiums.

  • Deductible – Raising your home insurance deductible, the amount you pay towards a loss, can decrease your home insurance up to 25%.  If you put this amount of money in a savings account, you can make money by keeping a higher deductible amount set aside.
  • Security – Improving home security can save up to 5%.  For example, adding smoke detectors to each level of the home, having fire extinguishers in easy access areas, installing burglar alarms, and deadbolt locks will all help.
  • Rebuilding Cost – Don’t confuse the home’s rebuilding costs with how much you paid for your home.  Remember, the land isn’t at risk for damage, so you only need insurance for the cost of rebuilding the home.
  • Good Credit – Maintaining a good credit history can decrease home insurance rates because insurance companies use credit information in determining rates.
  • Loyalty – Using the same insurance company for your insurance needs can make you eligible for up to 15% in discounts depending on what’s insured.

Fuhriman Insurance Agency

If you own a home in the Boise, ID area, you want to work with a community trusted company like the Fuhriman Insurance Agency.  Our independent agents will help you explore your home insurance discount options.  We can also give you helpful suggestions of things you can do to give you more discount opportunities.

How To Determine Coverage For Your Auto Insurance In Boise

Posted on by AgentInsure

Determining coverage for your auto insurance policy in Boise, ID is easier than you might think. It pays to work with an independent insurance agent from Fuhriman Insurance Agency so that your various questions can be answered along the way.

What You Drive

The type of car that you drive in Boise, ID is going to impact the kind of coverage that you may want. When there are more safety features in your car, it may not be necessary for you to have certain types of coverage. Then again if you are financing or leasing your vehicle, you may be required to have certain types of coverage because of what the lien holder wants you to have. This could include adding comprehensive and collision coverage so that there’s more financial protection in place.

Your Past Driving Experiences

If you have been involved in a variety of accidents over the years, you may want to have additional coverage. This is because you are likely to exceed standard coverage for property damage and/or personal injury liability. Your goal should be to have insurance take care of all of the expenses rather than having remaining money to pay out-of-pocket.

One of our independent insurance agents at Fuhriman Insurance Agency will be able to guide you to choosing the best coverage for your policy.

Exploring Coverage

Some coverage is more important than others. You are required to maintain a certain level of liability insurance for the state of Idaho. Additionally, you may want to explore various other options, including:

  • Collision
  • Comprehensive
  • Uninsured
  • PIP
  • Rental car coverage

Not all insurance companies offer the same coverage options, nor do they offer the same level of customer support. This means it’s important to make some comparisons – and one of our agents can help you.