Fuhriman Insurance Agency

Safety for Driving With Kids

Posted on by AgentInsure

Staying safe on the road is one way to keep your insurance costs low. When kids are in the car, it can feel challenging to ensure everyone is traveling safely. Here at Fuhriman Insurance Agency, we aim to help residents of Boise, ID, and the surrounding areas learn more about road safety and auto insurance. Keep reading to learn about safety tips for driving with kids. 

Clear Car Rules

Getting kids on board with rules is much easier when they know what is expected of them. This is why it is essential that you set clear-cut car rules. Some suggestions might be:

  • Seatbelts are worn at all times
  • Soft inside voices while riding
  • Pause fighting and arguing until you have exited the car

When rules are clearly defined and consistently enforced, it is easier for children to follow the rules and remember how important they are. 

Choose Toys Carefully

You should only allow your children to have and play with toys in the vehicle that will not pose a potential risk to you as the driver. It is better to restrict certain toys than to run the risk of the toy causing an accident. Toys that fly or float should not be allowed, such as toy airplanes that can be thrown or balloons. You might also want to limit toys that make loud sudden noises. 

Enforce Car Seat Laws/Rules

It is vital that you follow car seat and booster seat recommendations for your children. You should check with your local police station to find out what car seat requirements are in your area. 

If you want to learn about auto insurance, please get in touch with us at Fuhriman Insurance Agency, serving Boise, ID, and the surrounding areas. 

Top Three Pests Threatening Your Home

Posted on by AgentInsure

Homeowners can never be too careful when it comes to home threats. Even the smallest things can threaten your home, such as pests. At Fuhriman Insurance Agency, serving Boise, ID, and the surrounding areas, we want to help homeowners make smart home decisions. Keep reading to learn more about the top three pests threatening your home. 

Termites

You probably already know that termites are a threat, but most homeowners do not know what signs to look for that could indicate an infestation. If you notice large chunks of wood missing from wooden structures around your home or wood dust accumulating in odd places, you might have a termite problem. Rather than wait to discover these signs of damage, it is best to have your home checked for termites annually. 

Rodents 

Rodent infestations are not only gross but can also damage your home. Most rodents are gnawers. This means they will chew through essential structures in your home. Rodents will even chew through electrical wires. This puts your home at extreme risk of fires. Rodents will build nests in places they shouldn’t, like HVAC ductwork resulting in damage. Don’t let a rodent infestation go untreated.

Honeybees 

Surprisingly, honeybees can also pose a threat to your home. Although technically, honeybees do not hurt people (unless provoked) and are not dirty if left unchecked; honeybees can cause damage to your home. Honeybee colonies will start to build hives in places they shouldn’t, and it can cause damage to wooden structures. Honeybee colonies also threaten small children and dogs who might disturb the hive. 

If you want to learn about home insurance, please contact us at Fuhriman Insurance Agency, serving Boise, ID, and the surrounding areas. 

What is toy insurance, and what all does it cover?

Posted on by AgentInsure

Many people have expensive toys like snow machines, four-wheelers, and other fun recreational motorized vehicles. These toys can be costly to replace if you get into an accident. Because of the expensive nature of ATVs, getting insurance for those toys might be a good idea. What exactly is toy insurance, and what does it cover?

What is toy insurance?

Toy insurance covers big expensive toys such as four-wheelers and golf carts. It is necessary to keep these toys maintained so that they stay in working order. If you happen to get into an accident or something damages your expensive toy, insurance will help cover the costs to replace or repair it.

What does toy insurance cover?

Medical payments

Like auto, boat, and RV insurance, toy insurance has the option for medical payment coverage. If you get into an accident and someone in your party gets injured, your insurance coverage will step in to help pay for those medical expenses.

Liability

Almost everything has liability as part of the coverage options, and toy insurance is no exception. Liability insurance covers property damage, injury to other parties, and legal fees if you are at fault for an accident.

Uninsured and underinsured motorist coverage

Sometimes you get into an accident that is the other person’s fault. If so, their liability insurance will help cover your expenses. What if they don’t have any insurance or don’t have enough to cover the total cost? That is where uninsured and underinsured motorist coverage comes in. If you have that as part of your policy, your insurance will cover the damage expenses that the other person caused.

Contact Fuhriman Insurance Agency

If you need toy insurance for your ATV, contact us at Fuhriman Insurance Agency in Boise, ID.

Should all Idaho businesses get workers’ compensation insurance?

Posted on by AgentInsure

The Boise, ID area continues to be one of the fastest-growing parts of the country. Along with this growth, it has become a great place to start and run a business. If you would like to be a business owner here, it is essential that you carefully assess your insurance needs. One necessary type of coverage to get is workers’ compensation insurance. There are various reasons why you should get this coverage. 

Cover Medical Expenses for Employees

One of the reasons for having workers comp insurance is that it can cover medical expenses for your employees. This type of insurance is designed to offer support to an employee if they are injured while at work. This can cover medical bills and replace lost wages. This is a valuable benefit to be provided to your team members. 

Reduce Liability Risks

With workers’ compensation insurance, you can also reduce your liability risks. If you do not have this coverage and someone is hurt, they are more likely to file suit against the business to receive support. With workers’ comp coverage, you can reduce this risk. 

Meet Requirements

Similar to other states, many businesses in Idaho are required by law to get workers’ compensation insurance. If you have employees or contractors on your payroll, you must meet the requirements. If you are not adequately insured, you could face various penalties. 

Being a business owner can be a great idea if you want to be your own boss in the Boise, ID area. If you own a business, you should call our team at the Fuhriman Insurance Agency. Our professionals understand the importance of workers’ compensation insurance and your options. We can ensure you choose a plan to meet your business needs. 

Does Commercial Insurance Protect Inventory?

Posted on by AgentInsure

Many online businesses have inventory stored at a specific location. Inventory is a significant cost for these businesses. That’s why they need commercial insurance. Commercial insurance protects inventory against fire, theft, vandalism, and other covered losses. If you have a business with inventory, it’s time to learn more about getting top-quality protection by acquiring reliable commercial insurance. Residents of Boise, ID can count on Fuhriman Insurance Agency to provide them with the insurance products they need for security. 

Commercial Insurance Protection

Commercial insurance is essential for businesses to protect themselves against liability, employee lawsuits, property loss, or any other damages. This coverage is also known as business insurance and covers most inventory. It may also cover business equipment and other essential pieces of property that are required to do business. 

Accurately calculating the level of commercial insurance necessary to protect your business interests adequately is important. The best way to get a complete assessment is to determine the cost of each asset belonging to the business and bring your receipts and figures to a qualified insurance agent. They can review your information and help determine if you need more or less coverage. Once they choose your coverage needs, they can recommend policies matching your needs.

Let Us Help You Today

If you are interested in finding reliable commercial insurance to protect your business and its assets, call or stop by Fuhriman Insurance Agency today and speak with one of our knowledgeable insurance agents. They are proud to assist the residents of Boise, ID with finding the right insurance to protect what’s important to them. Get the coverage necessary to secure your inventory and much more. 

What is the difference between term life and whole life insurance? Can I have both?

Posted on by AgentInsure

When people in Boise, ID think of life insurance, they want a policy to provide financial security for their family when they are gone. But the two major types are term life and whole life insurance. Which one is right for you? Read on to learn more from Fuhriman Insurance Agency.

Term Life Insurance

Term life insurance covers a specific period, usually 10, 15, 20, or 30 years. This type of policy pays out a death benefit if the insured person passes away during that period. It is generally more affordable than other types of life insurance because it does not build cash value and the premiums remain fixed over the length of the term. 

Whole Life Insurance

Whole life insurance protects your entire lifetime and builds cash value over time that can be borrowed against or cashed out when needed. Whole life policies also come with an investment component that allows you to earn dividends or interest on your money within the policy itself. While this type of policy is often more expensive than term life, it provides lifelong coverage as long as premiums are paid on time and in full each month.

Can I Have Both?

Yes! Having both term and whole life insurance in Boise, ID can provide additional protection for you and your family and peace of mind knowing that there will be coverage regardless of what happens in your lifetime. 

Do you Still Have Questions? Call Us Today!

Deciding which type (or types) of life insurance to purchase can be overwhelming, but it doesn’t have to be. Contact Fuhriman Insurance Agency today, and we can help you find the right policies.

How much umbrella insurance should I get?

Posted on by AgentInsure

When getting the right amount of umbrella insurance coverage, you want to make sure you’re considering all the potential risks and liabilities that could occur. You don’t want to leave yourself or your family underprotected, but at the same time, you don’t want to overpay for coverage you may not need. That’s why working with an experienced agent from Fuhriman Insurance Agency in Boise, ID is essential – we can help you get the right amount of protection. 

What is Umbrella Insurance? 

Umbrella insurance provides extra liability coverage beyond what a homeowner’s policy or auto policy covers. If someone sues you for damages beyond what your current policies cover, an umbrella policy will provide additional protection for these losses up to its limit. This type of coverage is often used when liability claims exceed the limits of a person’s existing policies, such as auto and homeowners insurance. 

How Much Coverage Do I Need? 

It depends on your individual situation, but generally speaking, most people should consider getting at least $1 million in umbrella coverage. This level of coverage will protect you if someone sues you and wins a judgment against you that exceeds your existing homeowners or auto policy limits.

When deciding how much umbrella insurance coverage to get, there are several factors to consider, such as your income level and assets owned. It’s also important to consider any high-risk activities or hobbies, such as skiing or boating, that could increase your risk for liability claims. 

For more detailed advice about how much umbrella insurance is right for you in Boise, ID, contact an experienced agent at Fuhriman Insurance Agency. We can help determine what type and amount of protection fits your situation.

What is a Renters Insurance Policy and is it Required in Boise, ID?

Posted on by AgentInsure

When renting an apartment or home in Boise, ID, renter’s insurance is one of the most important considerations. So what exactly is renter’s insurance, and do you need it in Boise? Let’s find out.

What Is Renters Insurance?

Renter’s insurance provides financial protection for tenants renting a home or apartment. It covers losses to personal belongings because of theft, fire, smoke damage, water damage, vandalism, and other disasters. It also provides liability coverage if someone is injured while on your property. Besides this basic coverage, many policies include additional coverage, such as medical payments for injured guests on your property.

Is Renters Insurance Required?

No-renters insurance is not required by law in Idaho; however, most landlords will require their tenants to have a rental policy before they allow them to move into their rental unit. Even if it isn’t required by law or your landlord, having renter’s insurance can be a good idea because it provides financial protection from any damage that may occur during your tenancy. Your Fuhriman Insurance Agency representative can help you find the right coverage for your needs and budget.

The Benefits of Renters Insurance

Renter’s insurance can provide various benefits for tenants in Idaho, from financial protection to peace of mind. The most crucial benefit is financial protection. If your belongings are damaged or stolen, renter’s insurance can help you replace them without paying out of pocket.

To learn more about renter’s insurance policies and how they might benefit you as a tenant in Idaho, contact Fuhriman Insurance Agency today! We would love the opportunity to answer questions you may have about renters’ insurance policies and help you choose the best option for your needs!

Commercial Insurance Renewal: Answer These Questions First

Posted on by AgentInsure

If your business is like most, you have commercial insurance that covers your property, liability, and perhaps some other risks. Fuhriman Insurance Agency in Boise, ID, wants to help you understand the process of renewing your policy to ensure you have the coverage you need at a price you can afford.

Here are some questions to ask yourself as you begin the renewal process:

1. Have You Changed Your Location?

When you move your business, you may face new risks, and your old policy might not cover them. Please make sure you tell your insurance agent about any changes in location so they can help you find the right coverage.

2. Have You Changed Your Hours of Operation?

If you’ve changed the days or hours when your business is open, that could affect your insurance needs. For example, if you’re now open later at night, you may need more liability coverage in case a customer is injured on your property.

3. Have You Added Any New Employees?

You may need to add or adjust your workers’ compensation insurance if you’ve added employees. You may also need to update your liability coverage if your business poses a greater risk of injuring someone.

4. Have You Purchased New Equipment?

If you’ve made significant purchases, like new vehicles or expensive machinery, you’ll need to ensure your insurance policy covers those items.

5. Have You Changed Your Business Model?

Business operations that were once low-risk may now pose a greater liability. For example, if you’ve started selling products online, you may need to increase your product liability coverage.

Make Your Business Insurance Renewal a Breeze With Fuhriman Insurance Agency

At Fuhriman Insurance Agency in Boise, ID, we understand that renewing your commercial insurance policy can be daunting. But with our help, it doesn’t have to be. We’ll work with you to understand your business’s evolving needs and find the right coverage at the right price. Contact us today to get started.

Are there any exceptions where life insurance would not pay my beneficiaries?

Posted on by AgentInsure

Are there any exceptions where the life insurance company would not have to pay out the death benefit to your beneficiaries? It turns out there are a few. Fuhriman Insurance Agency lists some of the most common ones in Boise, ID.

1. Suicide 

In almost all cases, if you die by suicide within the first two years of buying a life insurance policy, the insurer can refuse to pay the death benefit. After two years have passed, though, suicide is generally no longer grounds for denial. 

2. Drug and alcohol use 

If you die from using drugs or alcohol, your life insurance policy may not cover it. This is because drug and alcohol use are considered high-risk activities that can lead to death, so insurers may exclude them from coverage or charge higher premiums for policies that cover them. 

3. Dangerous hobbies 

Certain hobbies, such as skydiving, rock climbing, and bungee jumping, are considered high-risk activities that could lead to death. As a result, your life insurance policy may exclude them from coverage or charge higher premiums for those that cover them. 

4. Not disclosing pre-existing medical conditions 

When applying for life insurance, you’re typically required to disclose any pre-existing medical conditions. Failure to do so could result in the insurer refusing to pay the death benefit if you die due to that condition. 

5. Murder 

If you’re murdered, your beneficiaries will likely still receive the death benefit. However, if convicted of murdering you, they will not be eligible to receive the money. 

There are some exceptions where beneficiaries may not receive the death benefit. If you have any questions, don’t hesitate to contact Fuhriman Insurance Agency. We are here to help Boise, ID.