Your house is designed to protect your family throughout the year, but it was also intended to have routine maintenance conducted in order to hold its integrity against the weather. Autumn is always a good time to consider what work may be beneficial toward maintaining your house as a home, simply because summer storms and winter freezes cause different issues which build on each other. Repairing damage from summer storms prepares your house against the upcoming winter weather.
Typically, your insurance isn’t going to cover routine maintenance charges. With that concept in mind, it never hurts to speak to your insurance agent when discussing maintenance or upgrades to your home with a contractor. Your contractor may be able to justify legitimate damage which allows your insurance agent to offset at least part of the cost. The agent, on the other hand, may be able to suggest a minor change in how the job is approached which allows the contractor to bill the insurance company for some or all of the work to be conducted.
Typical winter preparedness includes a few minor tasks such as cleaning the gutters, inspecting your furnace, and assuring your siding and windows are doing their jobs of keeping heat in and cold out. When you hire a contractor to prepare your home for the upcoming winter weather, you should also speak with a representative from Fuhriman Insurance Agency. Even if the repairs aren’t covered by your current policy, the fact you take such great care of your home might be a consideration toward future insurance expenses. Furthermore, preemptive maintenance always pays for itself by preventing more expensive damage which can happen later if the house isn’t prepared against the weather.
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.
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:
- 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.