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.