Home Improvements: A Smart Way to Reduce Insurance Costs

Home improvements that make your Boise, ID property a safer environment could work in your favor to reduce home insurance costs. Before renovating your property, talk to a representative from Fuhriman Insurance Agency to see what improvements make you eligible for a discount on your insurance premium. The following home improvements could not only enhance the value of your property but may very well qualify you for a reduction in home insurance costs.

Roof Replacement or Repairs

Roof replacement is a major investment that can pay off in greater protection of your structure and personal belongings. A new roof will keep your home and personal effects safe from a winter storm, hail, wind and rain damage, making it a vital asset to your property. Fortifying your home with a new roof can help lower your insurance costs.

Reinforcements to Home Structure

In like manner, reinforcing your home with new windows and exterior doors and investing in storm shutters will protect you and your family against unlawful entry, theft, and the elements. As these improvements enhance safety, they could make you eligible for a reduction in insurance costs.

Home Security Measures

Home security upgrades such as deadlocks, smoke detectors, and a home alarm system reduce the risk of damage due to fire, theft, and vandalism. These safety measures could help lower your insurance premium.

Plumbing and Electrical Upgrades  

If you own an older home, upgrading its plumbing and electrical system can reduce the risk of water or fire damage due to faulty wiring or worn water pipes. Such home improvements could make you eligible for a discount on your home insurance.

For more information on home improvements that could qualify you for reduced home insurance costs, talk to Fuhriman Insurance Agency in Boise, ID today.  

In Boise, ID, What Are the Minimum Requirements for Auto Insurance?

The agents of Fuhriman Insurance Agency serve residents throughout the Boise, ID area. it is important to know what the state mandated insurance requirements are to be fully protected by the law. Each state requires every vehicle driven on the street to care a minimum amount of auto insurance that will cover damages to property and injuries to parties involved. Idaho, like most other states, has state mandated minimum requirements for auto insurance coverage that all drivers must carry to be legally insured. Drivers who are caught driving without proper insurance are heavily fined and may have their license suspended. 

Individuals who are found to not have the required minimum coverage may face the loss of the driver’s license, state-mandated fines, and in some cases, jail time. Whenever a person’s purchases a new vehicle, it is important to ensure they have the proper type of coverage and in the correct amounts. A person who has had the same policy in place for several years should also have their policy reviewed to make sure they carry the proper amount of insurance. A driver’s age, clean driving record, and other factors will play a role in the type of coverage a person gets and how much it will cost.

Call the agents at Fuhriman Insurance Agency if you live in Boise, ID and are concerned that your current insurance policy may not offer sufficient coverage. The agents will answer your questions and work with you to make sure you have all of the coverage you need to meet or exceed the state’s minimum insurance requirements for automotive insurance. It is important to maintain constant continuous auto coverage on your vehicle to prevent legal action being taken if an accident occurs. 

Benefits of Having a Basement

When building a new home, one of the most important things you will want to consider is whether or not to build a basement. There are so many uses of a basement, which is why it is imperative to consider what you could use one for. Let’s take a quick look at why you should put a basement into the next home you build. 

Easy to heat and cool

Did you know heating and cooling a basement is much more energy and more cost-efficient than heating and cooling the other parts of your home? In fact, some people choose to build a new home in the form of a basement; this type of home is known as a basement home. The heating and cooling of this type of home tend to cost about 20 to 30 percent less than above the ground homes. 

Great way to add space

Adding a basement to your home is also advantageous because you can use it for just about any purpose. Want a space to throw darts? Shoot pool? Need space for an extra bedroom? No matter what you need the space for, you can likely use your basement. Some people even put full kitchens in their basement and rent it out as an apartment; this is a great way to earn extra income. Basements are also considered to be living square footage as long as the walls and floors are finished out; this means a basement increases the value of your home. 

To learn more about putting a basement in your home and the many advantages you will gain, contact Fuhriman Insurance Agency serving the Boise, ID area. 

Personal Factors Impacting Car Insurance Rates

Most insured drivers are unaware that their personal information impacts car insurance rates. Unfortunately, the factors play a role so it is important you about those that are important. The following is a list that details said factors:

Car Year and Model

According to the Insurance Information Institute, auto insurance premiums are partially based on the sticker price of the car, repair costs, likelihood of theft and safety record. The cost to the insurance company for fixing a new high-end sports car will be significantly more than a mid-class sedan which shows in the premium.

Credit Score

Many insurance companies utilize credit scores and an indicator toward at-risk drivers which factors into the final rate. However, this practice is under attack as numerous states have been passing regulations with regards to credit information usage as a factor in setting car insurance rates.

Driving Profile

Although this should be of no surprise, factors like your violations and accident history have a major impact on your insurance rate. In the eyes of the insurance company, the less you drive, the less risk of a claim. This can be improved by consistent, safe driving and no moving violations. Find out more about your driving profile today at Fuhriman Insurance Agency, located in Boise, ID.

Essential Personal Information

Age, gender, and occupation all factor into setting your rates as insurance companies look for patterns of claims. A teenager is more likely to have higher insurance rates than a middle-aged driver since, statistically, teenagers have more accidents than 40-year-olds. Also, your occupation plays are role if it involves a lot of time on the road. Most insurance companies see that more miles put on your car, the higher the risk. Additionally, as a whole, women have fewer accidents than men and less DWI’s. Therefore, women pay less for auto insurance than men.

Location

The location that is registered on your driver’s license can impact the cost of insurance. Urban drivers pay a higher price than those in smaller towns and cities due to higher rates of theft, vandalism, and accidents. For instance, a driver in New York City is going to pay more for insurance than a driver in Boise, ID. Check with Fuhriman Insurance Agency today to determine how much of a difference there is in rates.

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

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?

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 Safety Features That Can Save You Money

When you have a car in Boise, ID, it’s important to know about the safety features that have the ability to save you money. After all, if you can save on your auto insurance policy, you should explore the opportunity. All it takes is looking at the different features before you purchase a car.

Air Bags

Air bags are one of the most important safety features. While virtually every car has them, some makes and models have more than others. At Fuhriman Insurance Agency, we can even recommend some of the safest cars on the market.

Anti-Lock Brakes

Anti-lock brakes have saved drivers from a number of collisions. It will help you to lock your brakes to avoid hitting another car, especially at high speeds.

Blind Spot Monitoring

If you have ever had a side collision with another car or hit a car because they were in your blind spot, this is a great feature. Your side mirrors will light up to tell you there is a car in your blind spot. You can then take precautions to avoid hitting another car (or cyclist or pedestrian).

Roll Bars

Many cars, as well as Jeeps and trucks, have roll bars. In the event that there is an accident where you actually roll, it will protect the frame of the car and anyone inside. This can save lives and reduce the likelihood of major damage to the vehicle.

Driver Assist Systems

A variety of car manufacturers are now incorporating driver assistance systems. These are computers that will help you as a driver. They can notify you when you are getting too close to another vehicle, and can even help you with parallel parking, emergency braking, and various other driving scenarios.

Learn more about saving money on our insurance in Boise, ID by contacting Fuhriman Insurance Agency today.

3 Things to Consider when Buying Homeowner’s Insuracne in Boise, ID

Boise, ID is a wonderful place to live.  In fact, according to livability.com, Boise makes it into the top 100 best places to live in the United States. Despite its isolation from other cities, Boise is a cultural hotspot with enough amenities that it doesn’t need to be supplemented with a trip anywhere else. Boise residents are happy right where they are.

For homeowners, Boise offers a diverse world with a mix of cultures brought in by people from all over the world. And the fours seasons give the city a plethora of outdoor activities to keep families busy.  Whether you already own a home in Boise or are looking to purchase your first home here or relocate to this gorgeous city, there are three things you should consider when purchasing a homeowner’s insurance policy in Boise ID.

1. Choose a Trusted Agent

At Fuhriman Insurance Agency, we are a full-service insurance agency that represents quality insurance companies.  We like to think of ourselves as trusted advisers who will work very close with you when it comes time to choose the best homeowner’s insurance policy available for your Boise ID home or rental property.

2. Understand Your Coverage and Policy

When it comes to a homeowner’s insurance policy, the insurance agent you work with will make sure you understand exactly what your policy covers. Getting the most affordable option is also a common goal of homeowners. Adding umbrella insurance to an existing policy is always an option for the future.

3.  Understand Your Deductible

When it comes time to choose the amount of the deductible you want, meaning the amount you will need to pay out of pocket in the event you need to file a claim, the simple rule is that the higher the deductible you choose, the lower your premium will be.

To learn more about purchasing homeowner’s insurance for a property in Boise, ID, contact Fuhriman Insurance Agency at 877-342-7935 today.

Insuring a car for work vs. personal use in Boise ID

When you first contact Fuhriman Insurance Agency looking for a policy that fits your needs, you’re going to have to consider to what extent your car is a personal vehicle, and to what extent you’re using it for work. It’s not always as cut and dry as, say, patrolling as a security guard and driving a car that belongs to the security agency, and trusting that your employers have you covered. If you drive for Uber or deliver pizzas in your personal vehicle, for instance, then you need to make sure that you’re getting a policy that reflects that. Fuhriman Insurance Agency can help Boise, ID drivers to find that policy, but you can’t just start driving professionally and hope that your current policy has you covered.

Some insurance companies won’t cover you at all if you drive for a living, but you are nevertheless going to be looking at personal insurance policies to get coverage for a car that serves as both a personal vehicle and a work vehicle.

Some companies will provide supplemental insurance while you are working for them. Uber, for instance, will offer additional coverage any time the app is actually in use. Many delivery restaurants offer the same deal. However, your employer or the agency you’re working for is not able to offer full coverage in Boise, ID. You need to talk with your insurer, let them know what you do for a living, and make sure that you are covered against all the risks that that entails.

In short, getting your personal car covered for work use is pretty easy for most drivers, but you can’t take it for granted, you have to ask your insurer about getting covered for business use.

Do All Homes Need Home Insurance?

When it comes to insuring your home, it can be difficult to decide if your home needs a policy or not. There are of course legal considerations, but there are also considerations of rebuilding as well. The agents with Fuhriman Insurance Agency in the Boise, ID area can help you get your policy set up and ready to go.

The simple answer to this question is yes, every home needs an insurance policy unless you have the money lying around to rebuild after the home is damaged or destroyed. Most people do not have hundreds of thousands of dollars lying around so making sure you keep up a policy that has enough coverage is going to make a huge difference in how quickly you can rebuild.

Homes that are already paid for are not legally required to have a home insurance policy, but they can still benefit from keeping a policy. As mentioned before, if you do not have a home insurance policy, it is going to be your responsibility to come up with the money to either rebuild or repair or even buy a new home if yours is destroyed or damaged.

For a few hundred dollars a year you can protect your home and make it possible to collect an insurance pay out to rebuild or repair if your home is damaged. Your home is a very important part of your life and protecting it with a home insurance policy is the best way to make sure you always have a place to live and that you can recover if something happens to your home.

If you live in the Boise, ID area, the agents with Fuhriman Insurance Agency can help you find the policy that fits your home each and every time.