Umbrella insurance isn’t just for the wealthy

At Fuhriman Insurance Agency in Boise, ID, we know that as a small business and an independent insurance agency, we work for our customers. We strive to make sure you get the best policy at the best possible price. We have been in business since 1962, and we have the experience you are looking for in an insurance agent. 

What is umbrella insurance?

Umbrella insurance is an additional layer of liability coverage that can be added to any policy that you already have that has liability protection. This can be auto, home, condo, renters, and more. Liability coverage protects your assets from legal action that may be taken against you. If you are sued, it can help to make sure that your assets are not attached if the judgment is higher than the coverage that you have on your primary policy. For example, if you are sued and the judgment is $200,000.00, and your liability coverage is $100,000, This leaves a gap of $100,000 that you are responsible for. If you have an umbrella policy, it will kick in and pay the additional $100,000. 

Who benefits from umbrella insurance?

As you can see from the example, this could happen to someone who is a renter. In this case, it might be that your wages would be attached to help pay the judgment. You don’t need to be wealthy to understand that is not something you want to happen. Umbrella insurance is an affordable option that can protect your assets no matter how big or small they are. The reality is, it may be even more important for those who are not wealthy. 

At Fuhriman Insurance Agency in Boise, ID, we will help to make sure you understand and appreciate what an umbrella insurance policy can do for you. 


What coverage does renters insurance provide

Less than half of all renters carry renters insurance. It is unclear whether they think that their landlord covers them or they don’t understand what is at stake if you don’t have it. In Boise, ID, at the Fuhriman Insurance Agency, we are an independent insurance agency, and we can show you how important protecting yourself with renters insurance is. 

Personal property

Much of what you own as a renter is probably located within your rental. Imagine a fire or tornado destroyed your rental property and all of your possessions. Would you be able to replace everything easily? What about if your rental was burglarized and your valuables stolen? How would you cope? If you have renters insurance, you will be able to replace the things that you lost. It is stressful enough to have to go through a loss, but wondering how you are going to pay for it is a stress you can avoid. Your possessions are covered away from home as well. 


If someone is visiting your rental and gets injured, they may have medical expenses and could sue you for damages. Renters insurance protects against legal action and the costs that may accompany it. 

Loss of use

If your rental is damaged so badly that it is not habitable, where would you go, and how would you pay for it? If you have rental insurance, it should have loss of use coverage so that you can get temporary lodging and some meals paid for if you cannot cook. It helps make a stressful situation less stressful.  

If you call Boise, ID home, you can count on the Fuhriman Insurance Agency to provide for all your renter’s insurance needs. Call our office today to get a no-obligation quote.