What unique coverage options should I consider when building an auto insurance policy?

Owning a car is important for those in the Boise, ID area. If you plan to buy a car in this area, you need to get the right insurance for it. There are many unique coverage options when building your next auto insurance plan.

Rental Reimbursement

If your car is ever damaged and you need repairs, you could be without a vehicle for days or weeks at a time. A rental reimbursement clause in your insurance plan will provide you with rental car reimbursement during this time. 

Gap Insurance

Auto insurance tends to provide compensation up to the market value of a vehicle. For many car owners, particularly those who have taken out a loan, there is a time when the loan balance exceeds the market value. A gap insurance benefit and policy will cover this gap to ensure you can pay off the loan. 

Uninsured Motorist Coverage

There are situations when a motorist may cause an accident. While they are responsible for damages, they may not have the proper insurance in place. With an uninsured motorist coverage plan, you will get the support necessary to cover your damages if the at-fault party does not have enough coverage to pay for all damages incurred. 

There are many important factors to consider when you are building an auto insurance plan in the Boise, ID area. If you choose to purchase a car here and want insurance support, call our Fuhriman Insurance Agency team. Our team knows all about this coverage and will offer the help you need to build your next policy. 

Why Every Business Needs Workers’ Comp Insurance

When you own a business, it’s essential to have workers’ compensation insurance, often called workers’ comp, to protect your business and employees. This insurance provides clear benefits to both. No business with any number of employees should be without it. Even if you only have seasonal help, getting this insurance is important before they begin to work for your business. Call us at Fuhriman Insurance Agency in Boise, ID, when you need workers’ comp insurance.

Protecting Your Business

One of the reasons that you need this insurance is because it gives your business valuable coverage. When you have employees and workers’ comp insurance, it will pay for the costs associated with an accident or illness at work. This includes if an employee contracts an illness related to their job. Accidents often lead to injuries, and these can be expensive. It could irreparably damage your business if your business has to pay for the medical bills, legal costs, lost wages, etc. These costs can be extremely high and may damage the entire business. 

Protecting Your Employees

An expensive accident or illness on the part of an employee could be complicated for a small business to pay for. If an employee gets injured or ill at work, they need to have the funds available to pay for their costs. When you have workers’ comp insurance for your employees, they’ll know that there is protection in case the worst should happen. Even if the problem is costly, the funds will be available for the employee’s related costs. 

Get the Coverage Your Business Needs

If your business doesn’t yet have workers’ comp insurance, it’s time to get your policy. Call us at Fuhriman Insurance Agency in Boise, ID to learn more. 


Is it worth it to just get liability toy insurance in Boise, ID?

You may not realize how important it is to carry toy insurance in Boise, ID. Many people are not aware that toy insurance exists. At Fuhriman Insurance Agency, we can talk to you about what kinds of vehicles qualify as toys for toy insurance and help you determine what type of coverage you need.

What Is Toy Insurance?

Toy insurance covers several kinds of all-terrain vehicles, such as golf carts, snowmobiles, and other vehicles that are not considered automobiles. Toy insurance acts much the same way as auto insurance. If you are in an accident, you can provide your information to the other parties involved to cover the damages.

How Much Protection Will You Get From Liability Coverage?

Liability coverage is the most important kind of coverage because it will protect you if you are at fault in an accident. If you damage someone else’s property or that person is injured, your insurance will pay for the damaged property and medical bills up to your policy limits.

Unfortunately, liability coverage will not protect you if you are injured, or your toys are damaged or stolen. Without that protection, you could suffer a permanent loss because of an accident or theft.

The critical thing to remember is that if you enjoy toys in Boise, ID, you are responsible for anything that happens while operating them. You also assume the risks if anything happens while using them. Luckily, several kinds of coverage will help to protect you and your family so you can enjoy your toys in peace. If you would like to discuss a toy insurance policy or have questions about toy insurance, please call Fuhriman Insurance Agency today.

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. 

Four rules to follow when it comes to your commercial insurance

Commercial insurance can protect your livelihood as a business owner in Boise, ID. At Fuhriman Insurance Agency, we provide commercial insurance to area businesses. 

Here are a few essential rules to follow when you insure your commercial venture. Below are four rules to follow when it comes to your commercial insurance. 

Don’t wait too long to buy commercial insurance.

Many business owners make the mistake of assuming their company is still too small to need insurance. However, companies of all sizes can benefit from being insured. That’s why you should purchase commercial insurance early in your company’s history. 

Know what your company’s risks are

Doing a detailed risk assessment will allow you to determine precisely what types of coverage you need and how much coverage you should invest in.

A risk assessment can help you make decisions about commercial insurance, optimize operations, and improve safety at your company. 

Take time to explore options.

Do your research on commercial insurance options by contacting a few insurance providers and getting policy quotes from them. Comparing your options will make you confident that you’ve made a good choice when you buy a policy. 

Make changes to your coverage when necessary.

As a business owner, you most likely have ambitious goals for growing your company. Your company’s insurance needs will change as your company grows, so many necessary changes to your commercial insurance policy to keep up with changes. 

Are you ready to insure your company in Boise, ID? At Fuhriman Insurance Agency, we can answer your insurance questions and provide you with a quote on a policy. Get in touch with us today!

When Tomorrow is Uncertain: The Importance of Life Insurance Planning

Life in Boise, ID is full of uncertainties and unexpected things, and sometimes we find ourselves caught off guard. That’s why having a solid financial plan is crucial, especially in managing unpredictable circumstances. One of the most vital components of any financial plan is life insurance. Fuhriman Insurance Agency has life insurance policies to fit every stage of life.

Take Care of Your Loved Ones

Life insurance is a safeguard that can provide financial assistance to those left behind in case of the unexpected. Your family may have to cope with many expenses like funeral costs, medical bills, and debts you might have left behind. Life insurance can help cover these costs and offer financial support to your loved ones in their time of need, allowing them to cope with a difficult period without worrying about their financial status.

Protect Your Business

Without a proper plan in place, business owners run the risk of not securing their company’s future. Business life insurance can protect businesses from unforeseen circumstances like the death or disability of an owner or a key employee. It can also offer flexibility in circumstances like selling or retiring. Getting business life insurance can provide peace of mind to business owners and offer security to employees in case of unexpected happenings.

Life insurance planning is an investment that focuses on your family’s future in Boise, ID. It’s hard to know what the future holds, but having a solid financial plan can provide peace of mind and help alleviate any financial stress our loved ones may face. Speak with Fuhriman Insurance Agency today to discuss your life insurance options and best plan for your needs and budget.

What is the benefit of having an auto insurance plan in Idaho?

Anyone that lives in the Boise, ID area will find that owning a car is a good idea. With a car, you can get around the community and enjoy all the local amenities. When you choose to buy a car, you must also get insurance. A lot of benefits will come with having an auto insurance policy in this area. 

Cover Your Car

An important benefit that will come when you have an auto insurance plan here is that you can cover your car. If you are going to invest in a vehicle, you will be making a large purchase that you will want to enjoy for a long time. A great way to protect this vehicle is by getting an auto insurance plan with full coverage. With comprehensive coverage, you can have the support needed to replace or repair your vehicle if you incur a loss. 

Comply with all Obligations

A full auto insurance plan will also ensure you comply with all obligations. If you buy a car, you will likely take out a loan, and the lender will require you to carry comprehensive insurance. Further, the state of Idaho requires all drivers to carry liability coverage. You will remain in good standing with all such obligations if you maintain an auto insurance plan. 

It is always a good idea for people in the Boise, ID area to get an auto plan for their car. When you are ready to start looking for coverage here, call us at the Fuhriman Insurance Agency. At the Fuhriman Insurance Agency, we know the value that comes with this coverage. We can offer the guidance you need to build a plan that covers your vehicle correctly. 

Why Do You Need Pest Control Insurance?

If you have a pest control business, you have unique insurance needs. At Fuhriman Insurance Agency in Boise, ID, we offer commercial pest control insurance to protect your business and assets. 

General Liability 

As an exterminator, a general liability policy is essential. It protects you if a client’s property is damaged or they are injured. 

General liability will cover their medical expenses if they get sick from the chemicals you applied. If their couch is damaged while you are spraying, this is also covered. It also provides coverage for false advertising and copyright infringement. 

Worker’s Compensation

If you have any employees, workers comp insurance is a good idea. Your job is risky for you and your employees. If they are injured or become ill due to the job, their medical expenses and lost wages are covered under worker’s comp. 

Worker’s compensation insurance can also cover you, even if you have no other employees. 

Commercial Auto Insurance

Your standard auto policy will cover you while driving to work. However, you probably need a commercial auto policy if you carry equipment. 

This policy will also cover employees when driving a company vehicle. 

Business Property Insurance

Do you have an office? A storefront? Do you have a building where you store your exterminator equipment? You need business property insurance if you answered yes to any of these questions. 

This policy will cover your building, as well as your equipment. If someone steals or damages your equipment, or there’s a fire, you’ll be able to replace the building and any lost equipment. 

Pest Control Insurance at Fuhriman Insurance Agency

If you need pest control insurance in Boise, ID, contact us at Fuhriman Insurance Agency. Our friendly agents are happy to discuss your options and help you get the proper coverage. 

What comes with my toy insurance policy?

Many people love living in the Boise, ID area because it is an active community with many great trails and other places to spend time outside. If you enjoy being outdoors, investing in a recreational toy is a good idea as it will open up many possible activities. Along with this, it is essential that you get the right insurance. A full toy insurance plan offers various forms of coverage that can make it a good investment.

Coverage for Toy

When you invest in a recreational toy, you will want to be able to use it for a long time. A great way to ensure this happens is by getting insurance. When you have toy coverage, you will have support so you can always repair or replace your toy. 

Liability Risk Mitigation

A reason why all people should have this coverage is so they can reduce their liability risks. Even if you are very experienced and diligent when using a recreational toy, there is a chance you could cause an accident. If this does occur, you will need to pay for any resulting damages. If you have toy insurance, it will give support so you can cover these costs through the liability insurance provision. 

If you purchase a recreational toy in this part of Boise, ID, you will want to know that you have the right coverage for it. To ensure you select the correct type of toy coverage here, it would be ideal to start your search by calling our team with the Fuhriman Insurance Agency. There are a lot of important choices to make when looking for this coverage, and our team with Fuhriman Insurance Agency can ensure you select the right policy for your situation.