Will a Home Warranty Replace Home Insurance?

Home warranties are becoming more popular than ever. There are commercials for them airing often on television, which has more people considering investing in one. If you are considering purchasing a home warranty, you may wonder if this home warranty will replace your home insurance, or if they can be used in conjunction with one another. Here is a bit of information you need to know.

A Home Warranty Will Not Replace Home Insurance

A home warranty often covers many of the things that a home insurance policy will not cover. This includes replacing an air conditioner if yours dies due to old age or covering repair costs for your appliances. A home warranty does not protect your home against many of the things that home insurance does, such as theft, hail damage or a pipe bursting and flooding your home.

A Home Warranty Does Not Suffice Your Home Insurance Requirements

If you have a loan out on your home, you are required to carry home insurance. A home warranty does not meet this requirement.

You Can Have a Home Insurance Policy and Home Warranty At the Same Time

You are allowed to have both a home insurance policy and home warranty at the same time, and in fact, many people do. A warranty covers items that a home insurance policy may not and vice versa. As such, it may make sense to have both at the same time.

When you have questions about your home insurance policy or are looking for a new one, let Fuhriman Insurance Agency, serving the greater Boise, ID area help. Give us a call and let one of our friendly and knowledge agents answer your questions or give you a free price quote.

3 Things to Consider when Buying Homeowner’s Insuracne in Boise, ID

Boise, ID is a wonderful place to live.  In fact, according to livability.com, Boise makes it into the top 100 best places to live in the United States. Despite its isolation from other cities, Boise is a cultural hotspot with enough amenities that it doesn’t need to be supplemented with a trip anywhere else. Boise residents are happy right where they are.

For homeowners, Boise offers a diverse world with a mix of cultures brought in by people from all over the world. And the fours seasons give the city a plethora of outdoor activities to keep families busy.  Whether you already own a home in Boise or are looking to purchase your first home here or relocate to this gorgeous city, there are three things you should consider when purchasing a homeowner’s insurance policy in Boise ID.

1. Choose a Trusted Agent

At Fuhriman Insurance Agency, we are a full-service insurance agency that represents quality insurance companies.  We like to think of ourselves as trusted advisers who will work very close with you when it comes time to choose the best homeowner’s insurance policy available for your Boise ID home or rental property.

2. Understand Your Coverage and Policy

When it comes to a homeowner’s insurance policy, the insurance agent you work with will make sure you understand exactly what your policy covers. Getting the most affordable option is also a common goal of homeowners. Adding umbrella insurance to an existing policy is always an option for the future.

3.  Understand Your Deductible

When it comes time to choose the amount of the deductible you want, meaning the amount you will need to pay out of pocket in the event you need to file a claim, the simple rule is that the higher the deductible you choose, the lower your premium will be.

To learn more about purchasing homeowner’s insurance for a property in Boise, ID, contact Fuhriman Insurance Agency at 877-342-7935 today.

5 Ways to Decrease Your Home Insurance Premiums

The cost of homeowners insurance in Boise, ID can vary depending on several factors that may seem out of your control.  While some factors are determined by things you can’t do anything about, such as location, the material your home is made from, or the rates of home insurance in the marketplace, there are things you can change.  Here are 5 ways you can decrease your home insurance premiums.

  • Deductible – Raising your home insurance deductible, the amount you pay towards a loss, can decrease your home insurance up to 25%.  If you put this amount of money in a savings account, you can make money by keeping a higher deductible amount set aside.
  • Security – Improving home security can save up to 5%.  For example, adding smoke detectors to each level of the home, having fire extinguishers in easy access areas, installing burglar alarms, and deadbolt locks will all help.
  • Rebuilding Cost – Don’t confuse the home’s rebuilding costs with how much you paid for your home.  Remember, the land isn’t at risk for damage, so you only need insurance for the cost of rebuilding the home.
  • Good Credit – Maintaining a good credit history can decrease home insurance rates because insurance companies use credit information in determining rates.
  • Loyalty – Using the same insurance company for your insurance needs can make you eligible for up to 15% in discounts depending on what’s insured.

Fuhriman Insurance Agency

If you own a home in the Boise, ID area, you want to work with a community trusted company like the Fuhriman Insurance Agency.  Our independent agents will help you explore your home insurance discount options.  We can also give you helpful suggestions of things you can do to give you more discount opportunities.

Hiring a Contractor to Prep Your Home for Winter Weather

Your house is designed to protect your family throughout the year, but it was also intended to have routine maintenance conducted in order to hold its integrity against the weather. Autumn is always a good time to consider what work may be beneficial toward maintaining your house as a home, simply because summer storms and winter freezes cause different issues which build on each other. Repairing damage from summer storms prepares your house against the upcoming winter weather.

Typically, your insurance isn’t going to cover routine maintenance charges. With that concept in mind, it never hurts to speak to your insurance agent when discussing maintenance or upgrades to your home with a contractor. Your contractor may be able to justify legitimate damage which allows your insurance agent to offset at least part of the cost. The agent, on the other hand, may be able to suggest a minor change in how the job is approached which allows the contractor to bill the insurance company for some or all of the work to be conducted.

Typical winter preparedness includes a few minor tasks such as cleaning the gutters, inspecting your furnace, and assuring your siding and windows are doing their jobs of keeping heat in and cold out. When you hire a contractor to prepare your home for the upcoming winter weather, you should also speak with a representative from Fuhriman Insurance Agency. Even if the repairs aren’t covered by your current policy, the fact you take such great care of your home might be a consideration toward future insurance expenses. Furthermore, preemptive maintenance always pays for itself by preventing more expensive damage which can happen later if the house isn’t prepared against the weather.

 

3 Reasons to Rethink Your Home Insurance Policy in Boise

Your home insurance is one of the best measures to save you money, but you probably don’t think of it like that. Savings to you probably means what’s in the bank and how often you forego an expensive purchase. Here are three reasons to start rethinking how you see your insurance policy in Boise, ID, so you can give it the time and attention it deserves. 

1. Your Home Is an Investment 

And likely the best one you’ll ever make. No matter what type of neighborhood you live in, there’s a lot to be said for taking care of what you have. When you buy coverage that extends to protect you against a variety of both natural and man-made events, you’re taking care of the value within. 

2. Consequences Are Severe 

 Just one event could leave you feeling entirely helpless when it comes to your home and what to do about it. If you don’t have hotels near you or a friend to call, it’s generally your insurance policy that can either help or hurt you. This kind of predicament is not something you will want to face alone, so getting comprehensive coverage is really a move to keep yourself from experiencing the worst. 

3. It Pays to Save 

As stated at the beginning, you should really look at home insurance as a way to save. If you can’t cover reconstruction costs or replace the contents of your home without breaking a sweat, then this is the time to look for more coverage. Fuhriman Insurance Agency serves Boise, ID, and can help you determine the next steps, whether you’re looking for a new policy or shopping around for a different one. Give us a call today for more information. 

Little Known Factors that can Increase Home Insurance Premiums

Citizens in Boise, ID need to make sure they are informed when it comes to home insurance premiums. While the location and the size of the home are universal factors that everyone understands, there are several important factors that fly under the radar when calculating home insurance costs. Do not neglect these factors when deciding what additions to add to a home.

First on the list is a trampoline. While kids love trampolines and need the exercise, insurance companies have started raising home insurance rates for homes with trampolines. This is because trampolines lead to thousands of hospital visits every year. People can bounce off of the edge and break bones. Limbs can get trapped in the springs and suffer significant injuries. When hospital visits occur, the insurance company is frequently on the hook for the bills. Therefore, insurance companies have started charging higher premiums for homes with trampolines.

Next, swimming pools can also lead to higher premiums. People commonly run around the pool deck and wind up falling on the edge, sustaining significant injuries that lead to hospital visits. Furthermore, people can drown in the pool. In fact, hundreds of people drown in pools every year. Many of these drownings take place in home pools. All of these are costs the insurance company might have to pay for. Therefore, homeowners with pools wind up paying higher home insurance premiums.

Lastly, even home decks can lead to a higher home insurance rate. People can fall off of the deck and hurt themselves, leading to more hospital visits. Because insurance companies understand the risk with home decks, they will charge higher premiums for homes with decks. Owners can mitigate these costs by adding a railing.

Home insurance rates in Boise, ID are heavily impacted by these little-known factors above. Do not overlook these facets of home insurance when making purchases for home use. An insurance company might decide to charge higher premiums.

Tips to Make a Home Safer

There are many ways to make a home safer that a homeowner should consider. Some just make good common sense. Others, like installing an advanced security system, may actually reduce the homeowner’s insurance premiums. Ask the agents at Fuhriman Insurance Agency about potential discounts.

Tips to Make a Home Safer

Security Issues
Besides having a security alarm system, make sure the entry door is strong and secure. When you are in the home the security system may be off. If the entry door is weak, it is a potential entry point for home invasions. Reinforce both the door and the door jam. Solid core doors with strong double-bolt locks that have reinforcement with a metal security gate are a good idea. 

Use strong windows and doors that lock properly. Make sure to lock everything when going to sleep. Use exterior security lighting triggered by motion-sensors. Lock pet doors when they are not in use.

If away from the home, ask neighbors to watch the property. Stop newspaper and mail delivery. Inform the security company. Use timers to turn lights and the television on and off at appropriate times to make it appear there is someone home.

Fire
Get rid of flammable materials, such as old boxes of papers. Keep the furnace/air-conditioning system well maintained. Have smoke alarms in every room that work properly. Check them frequently. Have fire extinguishers in the kitchen and around the house. Service them on a regular basis.

Slip and Fall Hazards
Get rid of clutter, especially things left on the floor. Put toys away. Remove loose rugs and wires that cross any walking pathways. Have adequate lighting in hallways and in staircase areas. Put pet food dishes in a place that is not in the walking areas.

Child Safety
Use childproofing to secure contents of storage areas. Keep medicines, household cleaners, and toxic chemicals out of reach. Install window guards so children cannot fall out. If you have a swimming pool, install a fence around it with a locked gate and use a security cover.

Landscaping
Cut back trees, if they have the potential to break or fall in a way that might damage the house.

Summary
These safety tips can help homeowners avoid problems. To make sure there is adequate homeowner’s insurance for the unexpected things that do happen, contact the agents at Fuhriman Insurance Agency. They enjoy helping new homeowners get insurance and offer reviews of existing coverage with helpful advice for homeowners.

How to organize your linen closet

Although there are probably a number of closets in your house, the one that everyone seems to use is the linen closet.  While it can seem as if storing towels and sheet sets shouldn’t be that hard, it’s easy for this closet to become disorganized very quickly.  Fortunately, there are ways to get it under control and keep it from becoming a mess again.  Try these tips to get your linen closet organized again.

  1. Assign a place for everything.  Use sticky notes to label what is going to go on every shelf.  As you organize, you’l be able to refer back to these labels and stick to an organization plan.
  2. Keep kids’ items where the kids can reach them.  Even if this takes up more room, your closet will stay organized if your kids don’t have to jump to reach the towels and sheets that they need.
  3. Make bed “kits”  Matching sets of sheets should be folded together.  Not only will this make the closet neater, but it will also prevent family members from tearing apart the neatly folded stacks in search of a pillowcase or top sheet.  You may also want to consider doing the same for towel and washcloth sets.
  4. Place the “good” linens at the top of the closet.  This will prevent kids from grabbing the guest towels to dry off the dog after his bath.

As you’re cleaning out your linen closet, you’ll probably come across some things you forgot your had, and get rid of a lot of stuff.  That means that you’ll need to change your insurance policy.  Call the agents at Fuhriman Insurance Agency to make sure that your homeowner’s or renter’s policy is up to date.

Save Money With These Spring Cleaning Tips

When it comes to cleaning your home, you don’t need to go broke maintaining the appearance. In fact, there are several ways you can actually save money. At Fuhriman Insurance Agency, we all conduct our own spring cleaning back at the house, so we know how important it is to find the best ways to clean a home at the lowest price possible. Whether you live in Boise, ID or somewhere else, you can use these tips just about anywhere. 

Make Your Own Cleaner

Why purchase cleaning supplies when, chances are, you have what you need already. Vinegar, baking soda and lemon juice really is all you need for most cases. Pick up a spray bottle for easy application, but outside of this, you’re good to go. Have stains in the bathtub? Sprinkle baking soda around the tub then spray it with the vinegar. It will foam up, soften up the dirt and you can easily wash it away. You can also combine 2/3 part vinegar and 1/3 part lemon juice to bring in that nice lemon scent. 

Ditch the Paper Towel

Paper towel consumption can quickly increase your cleaning bill. When you look at how much paper towel you go through while cleaning your home up and down, it really adds up. Instead, go with a reusable item. Microfiber cloths are great for washing surfaces around the house and a squeegee with a rubber tip is perfect for washing windows. Whatever you need, you can clean your home rather effectively without spending an arm and a leg on disposable paper. 

Wash Everything At Once

Don’t to a bunch of smaller loads in the washing machine. It is easy to just go room by room, but instead of washing just the curtains, add in the shower curtain and washer-safe rugs as well. It will reduce your energy consumption and save you on utility bills. 

What You Can Do To Prepare Your Home For Disasters

There is a lot that you can do in order to prepare your home for disasters. The best approach is to go room by room to see if you have the necessary supplies. Some you may simply need to gather, while others you may need to purchase.

Kitchen

The kitchen is probably one of the most important rooms because that is where you keep all of your food, and where most of your family likely gravitates. Some of the most important things to have here include:

  • Smoke detector
  • Food for 3-5 days
  • First Aid kit
  • Fire extinguisher

Bedrooms

All of the bedrooms need to be prepared for disaster as well. You want to make sure to have:

  • Emergency lighting
  • Shoes near the bed
  • Emergency escape ladders for bedrooms not on base floor
  • Extra blankets

Closets

In all of the closets, and you want to have backup batteries as well as battery-operated lanterns or flashlights. In one main closet, you should also have a 72 hour kit in the event of an evacuation so that you can keep your family dressed, fed, and warm.

Front Entry

Your front entry should always be well lit and there should be a strong deadbolt and lock on the door. This can help to minimize burglary and break-ins.

In Every Room

Every room of the house should have some kind of emergency lighting nearby. It’s also a good idea to have smoke alarms near all of the rooms as well.

On Every Floor

Every floor needs to have a fire extinguisher.

Pick up the phone and call one of the independent insurance agents at Fuhriman Insurance Agency today where we can talk to you about coverage options and more in Boise. An affordable policy may be a phone call away.