Month: August 2026

How to Avoid Liability Risks That Could Exceed Your Insurance Limits

Posted on by AgentInsure

Liability coverage is a standard part of home and auto insurance policies. For some people, the standard liability coverage included with these policies is enough. For others, additional liability insurance is needed to provide adequate protection.

If you’re concerned that your current liability coverage isn’t enough, the professionals at Fuhriman Insurance Agency, serving Boise, ID, can help. Our team works with many insurance carriers and can help you secure the liability coverage you need to protect your assets. Here’s what you need to know.

Why Do You Need Liability Coverage?

Liability insurance provides coverage when you’re found liable for damages or injuries that occur under various circumstances. This type of coverage typically comes standard with home and auto insurance. For example, if you’re found liable for an injury that occurs on your property, your home insurance liability coverage may help pay for related legal fees and medical bills. However, that coverage only goes so far, and some homeowners end up facing lawsuits that exceed their policy’s liability limits.

How Can You Get Liability Coverage Beyond Home Insurance and Auto Insurance?

If your liability coverage is less than your total assets, you may be a good candidate for additional protection through umbrella insurance. This type of coverage kicks in once the liability coverage on your home or auto insurance policy has been exhausted.

Need Umbrella Insurance? Call Today

Do you need umbrella insurance? Contact the team at Fuhriman Insurance Agency, serving Boise, ID. Our professionals can help you shop around for coverage and evaluate your existing liability protection so you can decide whether umbrella insurance is right for you. Call today to get started.

How Does Renters Insurance Help When You’re Burglarized?

Posted on by AgentInsure

A burglary can be a very frightening experience. Fortunately, if you have renters’ insurance, you have some tools to help you in the aftermath. Understanding how renters’ insurance works, whether burglaries are covered, and how to file a claim can make things easier after your apartment is burglarized.

The professionals at Fuhriman Insurance Agency, serving Boise, ID, can help. We can answer your questions and help you navigate the claims process. Here’s what you need to know.

How Does Renters Insurance Work?

Renters’ insurance covers various events that can damage your belongings. Since you’re living in a rental property, renters insurance doesn’t cover the structure itself, only your personal belongings. If those items are damaged or destroyed in a covered event, renters’ insurance can help repair or replace them.

Does Renters Insurance Cover Burglary?

Every policy is different, so it’s important to read yours carefully to understand what’s covered. That said, most renters’ insurance policies do cover burglary. Your insurance agent can help answer any questions about what is and isn’t covered under your policy.

If Your Apartment Is Burglarized, What Should You Do to File a Claim?

If you’re the victim of a burglary, start by contacting the police, since your insurance company will want to see a copy of the police report during the claims process. Once that’s filed, reach out to your insurance agent at Fuhriman Insurance Agency, serving Boise, ID.

Our insurance professionals can help you get the claims process started and let you know how to contact your insurance company directly. If you need support throughout the process, we’re here to help with that as well. Recovering from a burglary can be stressful, but with guidance from an insurance agent you trust, you can navigate the claims process with confidence.