5 Reasons Why Renters Insurance is Important

Are you a renter? Do you lease the home or apartment where you live? If you live in the Oshkosh, NE area, Western Trails Insurance wants you to be aware of five good reasons to secure renters’ insurance.

Why Renters Insurance is Important

     1. Your Landlord/Property Manager May Require It

More and more leases are requiring tenants to secure renters’ insurance. While they may have a recommended provider, where you get renters’ insurance is up to you. Western Trails Insurance can help.

     2. Renters May Be at a Higher Risk

Rental properties may be in areas with an increased risk of crime. This can make it important that your personal possessions are protected.

     3. Liability Can Be a Real Issue for Renters

Renters can be responsible for the safety of visitors, repair people, and delivery personnel who visit their homes. Should someone sustain an injury while visiting, you could be liable.

     4. Each Roommate Should Have Their Own Renters Policy

Since renter’s insurance covers personal possessions, each individual tenant on the lease should secure their own policy.

     5. Renters Insurance Can Be Surprisingly Affordable

Before you decide you don’t need or want renters’ insurance, get a price quote. You may be surprised at how affordable it can be. You may also be able to bundle it with car insurance to save more. You should be aware that not only can renters insurance cover your possessions at home, but it can also cover them while you are traveling. 

Get A Free Quote

If you are considering renting, we invite you to learn more about renter’s insurance. In the Oshkosh, NE area, Western Trails Insurance is here to help. Get your no-obligation quote today.

Great Food on the Road: Get the Most Out of Your Motorhome

No matter how luxurious your motorhome is, kitchen space is going to be limited, which can make it tough to prep, store, and serve food. This can make it tough to create the same meals that you would at home, but rest assured–it can be done. At Western Trails Insurance, serving the Oshkosh, NE area, our team is here to provide you with the insurance policies that you need to rest assured that your home on wheels is protected.

Let’s take a look at some ways you can make the most out of your on-the-road kitchen:

Plan Ahead

You don’t have a ton of space to store food in your RV, so planning ahead is important. Don’t forget to use leftovers effectively in order to make the most of your space. For example, if you’re making chili, having it with cornbread one night and reheating it over baked potatoes the following night can help reduce food waste. 

Print Out Recipes

Trying a new recipe in your RV? Fantastic! A word to the wise–be sure to print out or take a screenshot of new recipes instead of relying on your phone. Many RV destinations have less-than-reliable cell phone service, and you don’t want to wing it when it comes to dinner in the middle of nowhere.

Consult With Us

At Western Trails Insurance, our team is proud to provide the Oshkosh, NE area with top-notch insurance services. We understand how much you value your motorhome, and we believe that it’s our job to ensure that your motorhome is protected against the unexpected. Reach out to us today or stop by our office to learn more about our policies. 

Your Guide to RV Insurance Options

Western Trails Insurance has provided Oshkosh, NE residents with RV insurance protection for many years and can help you find an option that makes sense for your needs. Here’s your guide for sorting through your options to ensure that you find the policy that feels right for your RV.

Find Strong Liability 

If you plan on driving with your RV heavily throughout the camping months or hosting people at your camp, you’ll need liability protection. It will protect you if you get into an accident in your RV and hurt another person or if someone gets injured while visiting your RV.

Identify Intelligent Dwellings Support

Your RV is both a vehicle and a temporary home, so you need to make sure that you have dwelling coverage. This will protect you if your RV’s interior items get damaged, such as anything you might have brought with you, like electronics, furniture, and other expensive items.

Remember Comprehensive Coverage

Are you worried about potential damage seriously impacting your RV? Well, comprehensive coverage can pay for various types of problems, including damage by floods and fire. Remember: it’s both a home and auto insurance policy, with many of the same protections both provide.

Don’t Forget Your Premiums!

When sorting through your different insurance options, make sure you pay attention to premiums. These can vary heavily based on many factors, so make sure that you gauge which makes the most sense for you. Doing so can ensure that you don’t pay too much for your policy.

We Are Here To Help

At Western Trails Insurance, we can help Oshkosh, NE area RV owners get the long-term help necessary to keep their vehicles safe. These important and high-quality rigs can make camping enjoyable and provide a unique and enjoyable experience when well-protected. So make sure you get a policy that suits you.

Motorcycle Insurance for New Riders: What to Expect and How to Get Started

Riding a motorcycle can be an amazing experience, but it also comes with its very own set of risks. Motorcycle insurance is imperative to have in place and is part of responsible riding, especially for new riders who may be unfamiliar with motorcycle insurance coverage. Our agents at Western Trails Insurance serving the Oshkosh, NE area want you to know what to expect when it comes to motorcycle insurance if you are new to the game.

Motorcycle Insurance for New Riders: What to Expect and How to Get Started

The Basics of Motorcycle Insurance

Motorcycle insurance normally includes liability coverage, which covers injuries and property damage you may cause to others in an accident. It also provides coverage for your own injuries and damages to your motorcycle. Comprehensive and collision coverage can protect your bike from theft, vandalism, accidents, natural disasters, and collisions.

Influences on Premiums

Insurance premiums for new riders can be influenced by several things, such as your age, riding experience, location, and the type of motorcycle you own. This is due to the fact that less experienced riders often face higher premiums due to the perceived risk. Also, keep in mind that where you live can affect rates. For example, urban areas may have higher accident rates than rural areas.

Safety Courses

As a new rider, it is a great idea to complete a motorcycle safety course. This type of course will not only enhance your riding skills but also lower your insurance premiums. Insurers often offer discounts to riders who have completed such courses.

Reach Out To Us

To obtain the best motorcycle insurance policy for you and your situation, contact our agents at Western Trails Insurance serving the Oshkosh, NE area today and get your policy started!

Boat Insurance for Liveaboards: Special Considerations

If you’re considering living aboard your boat, then you may be wondering what special insurance considerations you should take into account. Below are a few key points that you should be aware of if you’re going to be living aboard your boat. As always, feel free to reach out to us with any questions you may have about boat insurance.

Do you need insurance?

If you have a boat, then you most likely need special boat insurance. This becomes especially true if you’re going to be living on the boat, as that increases your risk and means you’ll want a special layer of insurance protection.

Log Your Possessions

One helpful thing that you should do if you’re going to be living on your boat is catalog all of the possessions that you have onboard. This can be very helpful if you’re going to make a claim, as it can help you assess damages and provide further information to your insurance agency if necessary. 

Be Honest

One of the most important things when it comes to this type of insurance is being honest when you’re putting together your policy. If you’re going to be living on your boat, it’s important to share that detail with your insurance agency so that they can write your policy correctly and make sure that you have all of the coverage you need to reduce your risk.

Looking For Insurance In Oshkosh, NE?

If you’re looking for boat insurance, then consider Western Trail Insurance. We’re a leading insurance option for individuals in Oshkosh, NE. You can always reach us by sending us a message or giving us a call, and we’ll connect you with an experienced member of our Western Trails Insurance staff.

Are You Required to Have Health Insurance?

Health insurance is designed to help you manage your medical needs and promote well-being. Everyone should have a health insurance policy in place to help prevent risks and losses. Anyone in the Oshkosh, NE area interested in learning more about health insurance policies should contact Western Trail Insurance. We can help you get answers to your questions and provide support with policy selection.

Health Insurance Coverage 

Health insurance coverage is essential and is recommended for everyone to help them manage their health and well-being. Individuals must have health insurance coverage for the year unless they are exempt due to outline circumstances. You must secure health insurance with an exemption to avoid being fined each tax year.

To avoid being penalized, you should secure high-quality health insurance coverage from a reliable insurance provider. Our team of experts can help you determine which health insurance policy works best for your needs and enables you to manage any pre-existing conditions. Those individuals who are healthy and only need basic coverage can also find the right policy for their needs with the help of our agents.

We aim to help you find a health insurance policy that meets your needs. We work closely with each customer to determine their specific needs and learn more about their situation so that we can match them with the best policy options. In addition to selecting a policy, we will assist with changes or submission of claims.

Reach Out Today 

If you would like to learn more about the health insurance policy options we offer, please call or stop by the office of Western Trail Insurance. We are proud to offer reliable insurance products to the residents in the Oshkosh, NE area. Let us help you get coverage that provides peace of mind.

Smart Tips Regarding Home Insurance

Home insurance can potentially reimburse you for a variety of losses. A standard home insurance policy typically offers insurance coverage for the residence/non-attached building, personal property, liability coverage, plus a host of riders and add-ons to protect your possessions at home or when away. The insurance professionals at Western Trails Insurance in Oshkosh, NE offer this expert guidance on how to make the most of the cover you intend to buy or already possess.

Smart Tips Regarding Home Insurance

Before you commit to any one insurance policy, take the time to understand your options from a reputable insurance broker or provider and consider the following advice:

Understand The Policy’s Limitations & Exclusions. 

This requires that you don’t make assumptions about what is and what isn’t covered. This is important so you pay for the coverage you need and avoid paying for coverage you do not need.

Compare Apples-To-Apples. 

When comparing the cost of coverage, be sure you evaluate policies that offer the same coverage. It may be easiest to create a chart to compare each policy easily. In other words, just because a policy has a reduced premium fails to consider relevant coverage details – including the deductible for defined losses.

Ask About Deals For Bundled Policies & Safety Steps. 

Many insurers provide discounts – like installing an alarm system or better locks, or if the property is near a firehouse/hydrant. Additionally, discounts are available for those who bundle their policies, members of a professional organization, and even customer loyalty discounts.

Contact Us Today

If you live or work in the greater Oshkosh, NE area and are seeking additional information to evaluate your home insurance needs, contact Western Trails Insurance today.

How to Evaluate and Choose the Right Renters Insurance Policy

Those renting a home in the Oshkosh, NE area will want to ensure they are getting proper insurance. For a renter, this means having an ideal renter’s insurance policy.

There are tips you should follow that will help you choose the right plan:

Assess Your Coverage Level Needs

One factor that you will need to consider when looking for coverage is to assess your coverage level. Your renter’s insurance plan should be designed to provide support if you incur a loss due to theft, fire, or another type of claim. It is important to assess your personal assets to determine what level of coverage you need.

Liability Coverage

If you are going to enter into a new renter’s plan, you should also consider your liability coverage needs. This coverage is important as it will offer support if you are found liable for an accident that causes property damage or an accident that results in injuries. Many landlords will require you to carry a certain level of coverage. Maintaining this level of insurance is important as it will keep you in compliance with the lease.


You should also consider your appropriate deductible level. This is the amount of money you need to spend out of pocket when filing a claim. It is important that you have access to this money if necessary.

Reach Out To Us

If you choose to rent a home in the Oshkosh, NE area, you will know how important it is that you get a proper renters insurance policy. When you are evaluating your options for renters insurance, it would be a great option to call our professionals with Western Trail Insurance. At Western Trail Insurance, we know the value of this type of coverage. Based on our support, we can provide the guidance you need to build a new policy.

Do you need motorhome insurance in Nebraska?

For those that are in the Oshkosh, NE area, having a motorhome can be a good idea. When you have a motorhome, it will give you a reliable mode of transportation and a place to sleep at night when you are not on the road. This can make it a great way to tour the state and the rest of the country. When you are looking for this type of asset, you also need to get insurance for it.

A motorhome insurance plan should be considered a necessity for various reasons:

Cover the Motorhome

A reason to have a motorhome insurance plan when you are in this part of Nebraska is to cover the asset. If you choose to buy a motorhome, you will soon find out that it can cost a lot of money to purchase and maintain. When you have the right insurance in place, it will provide ample coverage to replace or repair it if you are in an accident or it is stolen. 

Liability Coverage

Having a motorhome insurance plan is also a good idea as it can provide liability coverage. Anyone that is looking to drive a motorhome will take on liability risk. The best way to reduce this risk is with insurance as it includes a liability provision. This type of coverage is also necessary if you are looking to drive it on a public road and want to meet state insurance standards. 

Give Us A Call

If you choose to get a motorhome insurance plan and you are in the Oshkosh, NE area, it would be helpful to call our professionals at Western Trail Insurance. Choosing motorhome insurance is always a big decision. When you call our team with Western Trail Insurance, you can receive customized guidance that will help ensure you select an ideal policy for your situation. 

The Pros and Cons of Full-Time RV Insurance Coverage

Insurance coverage plays a vital role in protecting those registered in Oshkosh, NE living a full-time RV lifestyle from the unexpected. Full-time RV insurance provides peace of mind and financial protection for travelers. But what are some of the pros and cons to consider when looking into full-time RV insurance? We at the Western Trail Insurance Company can help you navigate this vital coverage. 

Coverage When You Need It Most

One of the main advantages of full-time RV insurance is that it covers your home away from home. Whether you’re parked at an RV park or going off-road, having coverage can help ensure that your assets and possessions stay protected, no matter where your journey takes you. It also gives you greater flexibility when filing claims for damage caused by storms, fires, theft, vandalism, or other misfortunes. 

Roadside Assistance

Full-time RV insurance also typically covers the cost of towing and roadside assistance, allowing you to get back on the road quickly should your vehicle break down. This can be a big help for those who don’t have the resources to cover a tow truck themselves in an emergency. 

The Cons

However, there are some drawbacks to full-time RV insurance as well. One policy typically doesn’t include any liability protection for potential accidents or injuries incurred while traveling. Additionally, RV insurance may not cover specialized features such as slide-outs and generator equipment. 

Reach Out To Us

Overall, when deciding if full-time RV insurance is right for you, weighing the pros and cons is essential. At Western Trail Insurance, serving the greater Oshkosh, NE community, we can help you evaluate your needs and determine coverage options that will suit you. With our experience and expertise in the RV insurance industry, we strive to provide custom protection plans that meet your unique requirements. Contact us today to learn more about how we can help protect your full-time RV lifestyle!