Fuhriman Insurance Agency

Don’t Be Caught In The Dark

Posted on by AgentInsure

As soon as the power goes out in Boise, you are going to find yourself in the dark. This can be problematic not only because you can’t see, but also because you don’t have power to do all of the things that you have grown accustomed to being able to do. There are some tips that can help you navigate and survive until the power company gets your lights back on.

Have Multiple Light Sources

You want to make sure you have the means of having light in various sources. This can include lanterns, candles, as well as flashlights. Anything battery operated also means having plenty of back-up batteries so you don’t run out.

Think About Sustenance

Billions of dollars’ worth of food is lost every year around the US because of power going out. You want to be sure you have food to feed your family. Bottles of frozen water can be kept in the freezer so you can maintain a cooler temperature for longer.

You also want at least one week’s worth of food that doesn’t need to be heated or refrigerated. Popular items include jerky, granola bars, tuna packs, MREs, and peanut butter.

Focus on Survival

Depending on the season your power goes out in Idaho, you may want to have battery-powered fans to stay cool or heavy blankets to stay warm. You may also want to invest in a generator so that you don’t have to worry about food spoiling in your freezer or having lights in order for you and your family to see from one room to another.

Call and talk to an independent insurance agent at Fuhriman Insurance Agency today. We look forward to being able to help you find a good policy in Idaho to provide you with peace of mind whether the power is on or off.

 

Types Of Coverage For Your Business On Home Insurance

Posted on by AgentInsure

When you have a home-based business in Boise, it is important to learn about the different types of coverage. This can ensure that your home and your business are protected, particularly when they share the same roof. Every business is a little different and therefore you need to know about all of your options.

General Liability

General liability is common among home-based businesses. It provides protection in the event someone sues you over something having to do with your business, such as an injury on your property, a claim of negligence, or something else.

Business Property

You may have a lot of business property at your home, ranging from computers to merchandise. This property is likely not covered under your homeowner’s insurance policy and therefore you need to have separate protection against its loss.

Data Compromise

More hackers are targeting small businesses than ever before. If your data becomes compromised, this is the kind of coverage that can help you to recover from a data breach or anything else.

Business Interruption

Your business may be interrupted as a result of a covered loss from your home, such as a fire or storm. This form of coverage can provide you with business income while your home is being repaired so that you don’t experience a catastrophic financial loss. The coverage stops once your home is fixed.

Employment Practices Liability

There are various other types of coverage that you may need as well, and it is dependent upon the type of business that you have. You may require business auto coverage, equipment breakdown coverage, and much more. This is why it can be advantageous to speak to an insurance agent.

At Fuhriman Insurance Agency, we’re here to help you make sense of the insurance needed for your home-based business in Boise.

 

 

Fun For The Kids Indoors This Winter In Boise

Posted on by AgentInsure

You want to plan some fun for the kids this winter, especially when they’re not playing outside. It can be dreadful for kids to be cooped up in the house with no fun in sight. By taking some action, your home in Boise can be filled with happy kids who are having fun.

Board Games

Board games can be a lot of fun – and you can involve plenty of kids. If they get tired of playing the same ones over and over again, let them be creative and make their own. Just borrow dice or a spinner from another game.

Story Time

Forget about reading the same story over and over again. Let the kids create their own. Have everyone contribute to the story – and then hand out paper and markers for everyone to be able to illustrate the story. You can always make copies to give to the other parents at the end.

Dance Party

Ensure the kids are up and moving around from time to time. Plan a dance party and let them know they can invite some of their friends. Turn on the stereo or karaoke machine and let them dance away their winter blues.

Salt Dough

Make up a batch of salt dough using salt, flour, water, and a little oil. It’s just like play dough, except you can bake it. Kids can get creative by making ornaments, figurines, and all sorts of cool things. You can choose to color the dough any color, too, which opens up the possibilities of what they can create.

At Fuhriman Insurance Agency we’re here to help you find homeowner’s insurance you can rely on all year long. Call and speak to one of our friendly agents today to learn about coverage options and get quotes from some of the best companies in Idaho.

 

 

Give Your Car The Best For The Fall

Posted on by AgentInsure

You want to give your car the very best for the fall months in Boise. There are various things that you can do to ensure that your car still gets the performance, even though the weather is colder. You can also be more comfortable as you drive by having a car mechanic check on a few things for you.

One of the first things you need to realize is that batteries are affected by colder weather. This means you want to make sure that the battery is in good condition and that the charging system is working effectively. Be sure that the connections are clean and clear. You may also want to look into replacing your battery if it has been years.

Have your brakes checked. As you drive throughout Idaho, your brakes are going to be tested more throughout the fall and winter them throughout the rest of the year because of ice and snow.

Your tires need to be checked as well. You want to make sure to have sufficient tire tread depth. You may also want to look into replacing your tires with a specialty tire that is capable of gripping the roads more effectively.

Also, schedule an HVAC inspection with a local mechanic. They will be able to check such things as:

  • Defroster unit
  • Heating system
  • Cabin air filter

There may be things you want to replace as well. Check on everything to make sure that your car is in good condition. You may want to replace wiper blades on the front and back windshields. If you are driving in any particularly snowy or icy areas, you may also want to think about snow chains.

Call us at Fuhriman Insurance Agency today. One of our agents can talk to you about coverage with your policy and work to get you an affordable rate.

 

Ensure That Your Personal Property Coverage Exceeds the Value of Your Possessions

Posted on by AgentInsure

One of the main coverages included in most renters insurance policies is personal property protection. Designed to insure your belongings against a variety of perils, this coverage will reimburse you if your possessions are damaged or lost in a covered incident. In order to have your belongings fully insured, your renters insurance policy’s personal property protection limits need to exceed the value of your belongings.

Personal Property Coverage Limits

Like all insurance coverages, personal property coverage includes limits that determine the maximum amount your insurance policy will pay for a covered loss. Your insurer won’t reimburse you more than your coverage’s limits, and your coverage may include different limits for different types of belongings. Your coverage’s limits should exceed the total value of your covered possessions.

Sometimes, renters are tempted to lower their personal property coverage in order to reduce their premiums. Doing this leaves you vulnerable, though.

Finding Affordable Coverage

Instead of sacrificing your coverage to save on your insurance premiums, you should shop around for a more affordable renters insurance policy. At Fuhriman Insurance Agency, our independent insurance agents make it easy to find the lowest-priced policy in Idaho. In just a short while, they can pull up multiple quotes and compare them with your current premiums. If there is a cheaper option, they can help you switch.

If you live in Boise, ID, or anywhere else in the state, contact our agents through our website to find affordable personal property coverage. The entire process is quick, and it could save you a few dollars every month without sacrificing your coverage.

 

 

Keep Your Car in Shape During the Summer Months

Posted on by AgentInsure

For many people in Boise, ID, summer is a season of fitness. It’s the best time of year for enjoying the outdoors. For cars, however, the summer months can take a toll. Just as you like to stay in shape throughout the summer, it’s important to keep your car in shape during the hottest months of the year. Here are some of the best tips we have complied at Fuhriman Insurance Agency have on how to keep your car running well during the summer.

Keep Your Car Properly Maintained

Auto maintenance can’t be neglected during the summer months, even though it may be tempting to forgo an oil change in favor of a few more hours at the beach. No matter how busy you are this summer, be sure to:

  • go to a car wash after driving through a construction zone to wash of debris left on your car
  • keep your tires properly inflated to the PSI levels stipulated in your owner’s manual
  • never skip an oil change

The third item, having your oil changed on time, is especially important if you plan on taking any road trips this summer. Skipping an oil change will could cause damage to your car’s engine during your road trip or in a few years.

Keep Your Auto Insurance Updated

It’s also easy to forget about your auto insurance during the busy summer months. If you have any significant changes to your own financial situation or your car, however, you should review your auto insurance policy with an independent insurance agent who is licensed in Idaho. They can help you make sure your policy is still current or help you find a new one if it’s not.

If you haven’t compared your auto insurance to policies that are currently on the market, log onto our website. We make it easy to find out what premiums insurers are charging right now for different coverages, and we have explanations of the different coverages available. If you need additional assistance, call one of our independent insurance agents at Fuhriman Insurance Agency.