Month: May 2017

Home Improvements: A Smart Way to Reduce Insurance Costs

Posted on by AgentInsure

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?

Posted on by AgentInsure

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.