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.

3 Reasons Auto Insurance Is Necessary

In Boise, ID, it’s common for people to forget about the importance of their auto insurance. Until you actually need it, it can just seem like another unwanted bill you have to pay. But there are so many reasons to be glad that you have it rather than annoyed, and Fuhriman Insurance Agency can give you a few key points to remember.

1. Your Savings Account Is Never Enough

This particular reason doesn’t just mean that you never seem to have the funds to pay for that new handbag or necklace you want. When an accident happens, you could be deemed responsible for tens of thousands of dollars for both property damage or bodily injury. Almost no one in the world has that type of savings account to cover it all.

2. Keeps the Law at Bay

When you don’t have enough money to cover the damage, you’re subject to legal threats and more. While no one can extract money from that you don’t have, not having car insurance can mean having wages garnished for years or possibly even ending up in jail. No matter how you look at it, you really can’t afford not to have it.

3. You Need Someone to Call

When something happens in Boise, ID, you need to have someone to turn to other than just your family and friends. Fuhriman Insurance Agency can provide much more than just sympathy. The right agency can give you both helpful advice and the crucial financial assistance when you need it most. This type of safety net is truly priceless to those in complicated situations. Call to find out more about how our agency has been helping our clients for years and what we can do to get you the right policy.