The term toy insurance probably sounds misleading. Fuhriman Insurance Agency of Boise, ID is here to explain its meaning. It refers to policies that cover grown-up toys like RVs, jet skis, golf carts, and dune buggies.

Toy insurance, also known as recreational vehicle insurance, covers a plethora of items for both liability and physical damage. It is actually a category of insurance. The items covered include:

• all-terrain vehicles (ATVs),
• antique vehicles,
• classic vehicles,
• dune buggies,
• motorhomes,
• golf carts,
• personal watercraft,
• sailboats ( to 40’ and 200 horsepower),
• snowmobiles,
• trailer/campers,
• watercraft (up to 26 feet).

You might notice that the category of the toy does not just cover land vehicles, but watercraft, too. This category is what small boat insurance falls under.

Unlike auto insurance, there are no state minimums. You do need insurance for these though, especially to cover liability. While you can pick up a golf cart or dune buggy for less than $4,000, the cost of medical care after an accident on one can be significantly greater. Accidents on ATVs and other recreational vehicles can cause more damage because most riders do not wear helmets, according to a study conducted at Memorial University. These accidents can result in serious head trauma and neck/spine injuries.

Fuhriman Insurance Agency of Boise, ID wants you to ride safer. Always wear a helmet when you ride an ATV or a life jacket when on your boat, and always carry toy insurance. The policy sounds fun, but it provides serious coverage you need. It pays your medical bills in case you’re in an accident on your toy, plus pays to replace it.

When people think about umbrella insurance policies they generally consider them something that only businesses need. However, if you are a high-net-worth person living in the greater Boise, ID area you may want to think again. Protecting your hard work and your family is possible when you add an umbrella insurance policy to your current suite of personal insurance products. It is typical for ID insurance policies to have a cap on the amount of coverage that they provide. In most cases that limit is $250,000. With this level of protection, the responsibility for liability or damages above that amount may fall to you personally. The team at Fuhriman Insurance Agency is here to guide you through the umbrella insurance policy process.

How umbrella insurance can protect you and your family

When your assets are such that you may become a target for unscrupulous people, or you have belongings that require a high level of protection, umbrella insurance can help meet those needs. Liability can often be excessive in our litigious society, and leaving yourself at the mercy of the courts can end in heartbreak and disaster. With a comprehensive personal insurance bundle that includes umbrella insurance, you can make sure that your hard work and assets are protected. Don’t leave your family open to personal liability in the event that your primary policy limits are exceeded due to loss, damage, or liability. Make sure that you have the appropriate level of personal insurance protection that can help you weather the toughest of storms.

Interested in learning more about the umbrella insurance policy options that are available in the greater Boise, ID area? Contact Fuhriman Insurance Agency today and set up a consultation to find out more from our team of professionals!

Sometimes, for one reason or another, you may find that you have a vehicle which is not being driven and which in fact will not be for an extended period of time. It seems like a waste to pay for all the expenses that go along with owning a car, like registration and insurance. 

However, there are a few reasons you may find it better to maintain coverage, and at least speak to your agent about the fact that the vehicle is currently not mobile.

Do you have a lien on the vehicle?

If you still owe money on your car in Boise, ID, you are required to carry insurance on it no matter what the circumstances. Basically, you are sharing the risk with the bank or entity which holds your lien, and there is doubtless a clause in your contract where you agreed to keep the vehicle protected.

Failure to maintain insurance will allow the lien holder to impose their own insurance on your vehicle or impose other sanctions. It will be more economical for you to take care of matters yourself. At Fuhriman Insurance Agency, we regularly help our clients with these kinds of problems.

What if something happens to your vehicle?

If there is a theft, a fire or another natural disaster, you could face a total loss on your vehicle. Continuous coverage will protect you. When you want to get back on the road, you can head to the license branch with your proof of insurance and expired registration to get started again.

If you are in Boise, ID and have any questions or want to explore your options, please feel free to call the Fuhriman Insurance Agency today. We can give you a free estimate and discuss a policy that fits your special circumstances.

It’s important to have a toy insurance policy that you can rely on. The state of Idaho requires you to have liability coverage for property damage and bodily injury on ATVs, RVs, and various other toys. However, there are some optional coverages that you should consider adding to your policy. At Fuhriman Insurance Agency, we can guide you through the ones that will provide you with the best protection in Boise, ID.

Comprehensive Coverage

By adding comprehensive coverage, you protect yourself from things that you cannot control. For example, if your RV gets vandalized when it’s at a campground or your ATV is stolen at a park, you can have the coverage in place to make repairs or replacements as needed.

Collision Coverage

If you collide into anything, you can have the necessary protection. This includes hitting a dock with your sailboat, a railing on your ATV, or even rolling your RV. With this coverage, you can ensure that your vehicle is getting repaired, which is not covered by traditional liability coverage.

Loss of Use Coverage

Adding the loss of use coverage to your policy will make it easier when you get into an accident. If you need to send your toy to a body shop for a few days, you don’t want to be without it, especially if it is your home, such as an RV or a houseboat. Loss of use coverage will reimburse for a rental or for the inconvenience of not having your toy for as long as it is needed. It can end up saving you a significant amount of money when you need to have your toy repaired.

You never know what can happen to your toys, so it’s better to have a policy that you can turn to when there is a problem.

At Fuhriman Insurance Agency, we look forward to helping you build a strong toy insurance policy. Contact us so that you can rely on your policy in Boise, ID throughout the year.

 

Understanding how an umbrella insurance policy works in Boise ID helps demonstrate the importance of this type of policy.

An umbrella policy will kick in after either your homeowners or auto insurance policy coverage is maxed out. If you have boat liability insurance, your umbrella policy will also kick in after that. Umbrella insurance will also cover some other liability claims that other policies won’t cover, including slander, false imprisonment, and libel. Umbrella insurance is useful for rental properties, since it can provide coverage beyond your homeowners policy. An agent at Fuhriman Insurance Agency can help determine how much coverage to have for your situation.

To understand this policy, think of this example. You have a party at your home and a guest slips on the steps. The guest has very high medical expenses and then also sues you. The jury sides with the guest and gives her a settlement of $1 million. However, your homeowner’s personal liability only covers $300,000, which means that you owe $700,000.

You would have to come up with this money somewhere, which usually comes out of retirement savings. Without retirement savings, you may have to work for an additional time or reduce expenses to build up your savings. If you have an umbrella policy, then your policy will cover what your homeowners insurance doesn’t. This means that you don’t have to dip into any savings.

This policy also covers the attorney fees and the other expenses that are related to the lawsuit, which aren’t going to be covered under your homeowners policy. You won’t have to pay a separate deductible for the umbrella policy to kick in, so you are only out the money for the deductible on your homeowners insurance. If you were found liable in a claim where your homeowners or auto insurance didn’t have coverage, then you would have a deductible for umbrella insurance, but not in this case.

Contact Fuhriman Insurance Agency, serving Boise, ID, to get a quote on umbrella insurance.

When it comes time to shop for auto insurance in Boise, ID, you may be wondering if you need full coverage or just liability.  This depends on whether or not you have a lien on the vehicle’s title. If you do have a lien, meaning that a bank has given you a loan for the car, then you are required by law to have full coverage. This helps protect you, the bank, and anyone else that is involved in an accident regarding your vehicle.  

One thing to consider is that each state has a minimum amount of insurance a vehicle must have in order for it to be on the road.  This is also true when it comes to full coverage.  It is the state that defines what that limit is and what exactly is included in full coverage auto insurance in Boise ID. The informative team at Fuhriman Insurance Agency can help you go over exactly what full or liability insurance in Boise, ID actually covers.  

The Benefits of Full Coverage Auto Insurance

Even if you own your vehicle, you may still want to consider full coverage over the state’s minimum liability. While no insurance policy can cover absolutely everything that may occur with your vehicle, full coverage is the closest you can get without any additional add-ons like umbrella insurance.  The point of having full coverage is to protect you from the following:

• being sued
• being left with a car that is no longer usable
• uninsured drivers

It also provides these essentials:

• medical coverage
• rental car coverage
• towing and labor

While the above list doesn’t cover every benefit of full coverage, you can more about purchasing auto insurance in Boise, ID, and all the benefits that come with full coverage, by contacting the team at Fuhriman Insurance Agency today. They can be reached at 877-342-7935.  

 

 

 

Health insurance is meant to cover a person from the risk of incurring medical costs either fully or partially. Depending on the limits, the insured party may need to pay for the charges once the maximum payment has been made.

Fuhriman Insurance Agency, located in Boise, ID, recognizes the importance of a good health insurance. We give our clients personal agents that they can reach anytime.

 The method of submitting a claim influences the parties that will be involved. The following are some of the places you can claim your health insurance.

• To The Insurer’s Local Branch

You may decide to send a mail or personally submit your claim form to your insurer. You will also be required to submit original itemized receipts from the insurance provider. An itemized receipt shows all the services offered by the doctor and how much each one costs.

• Online

Most healthcare providers allow you to simply log into their websites or apps and make a claim. Depending on your insurer, you may be required to upload accounts and receipts or just the provider’s number, item code and cost. This method is fast and mostly automated.

• The Hospital

When making a claim under hospital cover, the hospital submits your claim. Upon arrival at the hospital, you will be required to produce a membership card. From there, the hospital will submit your claim for you. In case the bill is more than the insurance covers, you will be required to pay the extra cost.

Fuhriman Insurance Agency provides custom policies for individual needs. We offer quality insurance products and satisfactory customer care. 

Visit us today in Boise, ID.

If your RV is totaled or stolen, your insurance policy should pay out the current value of your RV. However, if you have added parts or updated the RV, the insurance company may not know the right value of the RV. As such, one of the questions that we at Fuhriman Insurance Agency, serving the greater Boise, ID area, are often asked, is whether someone should update their toy insurance policy if they add parts or renovate an RV, and if so, how should they do that. Here is some information you need to know. 

If you have renovated your current RV or have added on parts that have increased the value, you will want to call your insurance company. If you added on parts, you may need to add those parts to the policy to ensure they are covered. If they are not added to the policy, they may not be covered against theft or damage. If you have updated or renovated your RV, an appraiser may need to inspect your RV and assess its new value. Either way, the insurance company will let you know what you need to do to get these items covered and ensure your RV and all of its parts, are fully covered under your insurance policy. 

If your current toy insurance policy needs to be updated, or you are in the market for a new one in the greater Boise, ID area, contact the Fuhriman Insurance Agency. We can help you put together a policy that best protects all of your toys and RV. Call us today to get started.