What Are Different Types of Motorcycle Insurance?

Owning a motorcycle is a lot of fun. However, there’s a reason it’s also associated with danger and risk. If you’re thinking about getting a motorcycle, don’t forget to get motorcycle insurance, which will protect you on the road and provide you with proper coverage if an accident occurs. Western Trail Insurance, serving Oshkosh, NE, is here to assist. There are several types of motorcycle insurance, and here is a quick rundown of some of them:

Motorcycle Coverages

The majority of motorcycle insurance plans include liability, comprehensive, and collision protection. Let’s talk about each of them:

  • Comprehensive coverage: This coverage covers damage that is caused by something other than a collision. This could cover you if your motorcycle was stolen or harmed by an animal.
  • Medical payments coverage: This type of coverage helps cover medical expenses that were caused by you or another passenger getting hurt in an accident.
  • Collision coverage: This is the best-known type of coverage. It will help cover damage to your motorcycle that was caused by a collision with another vehicle or object. 
  • Roadside assistance: This is an optional type of coverage, but it is a worthy form of coverage to have. If your motorcycle breaks down and you need immediate assistance, let us here at Western Trail Insurance worry about it instead of having to pay for expensive on-site towing or labor. 

Get Proper Protection for Your Motorcycle Today

If you’re a motorcycle owner living in the greater Oshkosh area, let our experienced agents help determine the proper insurance you need before hitting the open road. Our agents can help answer your questions about different types of insurance and coverage and can help you choose a policy best suited for your needs. Reach out to us –  Western Trail Insurance proudly serves the greater Oshkosh, NE community.

Benefits of boat insurance

Being a boat owner is a dream for many in the Oshkosh, NE area. When you do invest in your own boat here, it will give you the ability to have fun and stay cool during the hot Nebraska summers. When you are looking for your own boat, you also need to ensure that you get the right insurance for it.

A boat insurance plan should be a top priority for owners for different reasons:

Cover the Boat 

An important reason to have a boat insurance plan is so you can continue to cover the boat. If you choose to invest in a boat, you will be making a big purchase that you will want to have last for a long time. One way to ensure this happens is by getting insurance for the boat. With this coverage, you will have the financial resources to replace or repair it if you do incur a loss. 

Reduce Liability Concerns

It is also a good idea to have a boat insurance plan so you can reduce your liability concerns. If you are going to operate any type of boat, there will always be a chance that you will cause damage in a collision. If this happens, you will have to cover the costs to remediate the issue. When you carry a proper insurance plan for the boat, you will have the support you need in this situation. 

Give Us A Call

If you are looking to get a boat insurance plan in the Oshkosh, NE area, it would be a good idea to get the right insurance. When you are looking for coverage, you should call our team at Western Trail Insurance. When you call our professionals at Western Trail Insurance, you can have all of your questions answered and receive customized support as you build a plan. 

Tips to get healthy in 2023

As we look forward to 2023, now is the perfect time to start thinking about our health and well-being. With the New Year, comes a desire for us to be at our best and make sure that our bodies are in optimal shape. This is true for us here at the Western Trail Insurance Agency, people across the Oshkosh, NE area, and people everywhere.

Here are some tips to help you get healthy in 2023:

1. Set realistic goals – it’s important to set realistic goals that you can actually achieve, so don’t be too hard on yourself! Setting small achievable goals will help keep you motivated throughout the year 2023 and beyond. 

2. Start exercising – whether it’s going for a walk once a week or joining a gym, getting regular physical exercise is essential for good health. Exercise can help reduce stress and improve overall mental wellbeing as well as physical health. 

3. Eat healthy – eating healthy food is key for good health and energy levels, so try to include lots of fruits, vegetables and lean proteins into your diet. Avoiding processed food will also benefit your body in the long run! 

4. Prioritize sleep – getting adequate amounts of sleep each night is important for both physical and mental health. Aim for 7-8 hours per night and avoid late nights if possible! 

Get Health Insurance Today

With these simple tips, you’ll be on track to having a healthier lifestyle in 2023! For more tips on how to get healthy, lose weight,or just improve your overall lifestyle, please call us at Western Trail Insurance today. We proudly serve the Oshkosh, NE area.

Does Your Home Insurance Coverage Cover Leaking Roofs?

As an Oshkosh, NE homeowner, you probably wonder if your home insurance covers leaking roofs. Roofs are a significant part of any house; they can cause many problems when they leak. Not only can you face costly repairs, but the water damage can also lead to mold in your home if not taken care of quickly. Our team of insurance experts at Western Trail Insurance is here to assist you with more information.

What Home Insurance Covers

Home insurance usually covers roof repairs and replacement due to unexpected damage caused by weather or accidents such as fire or vandalism. However, it typically does not cover damages due to wear and tear or lack of maintenance. If you have an old roof that has been neglected for some time and starts leaking, your home insurance is unlikely to cover it.

Unexpected Damage Vs. Wear and Tear

It’s important to note that while most home insurance policies include roof coverage, the amount may vary depending on the type of policy you have chosen and what company it is from. Some companies may offer an additional range for certain roofs (e.g., metal or tile), while others might not provide any coverage for these materials. It is always best to check with your provider before signing up for a policy to know exactly what is covered and what isn’t.

Contact Us Today

If you need more information about whether your roof will be covered under your policy, contact Western Trail Insurance serving the greater Oshkosh, NE community Our knowledgeable agents can provide answers to all of your questions about home insurance coverage so that you can make sure you have the best policy for both yourself and your budget. Get in touch with us today!

You Don’t Own Your Home, Why Buy Renters Insurance?

For most people in Oshkosh, NE, their home is their biggest investment. A place to raise a family, make memories, and build a future. So why would anyone rent?

There are plenty of reasons. Maybe you’re a young professional just starting out and not ready to commit to a 30-year mortgage. Maybe you’re retired and downsizing to simplify your life. Or maybe you’re not ready to settle down in one place yet. Whatever the reason, if you’re renting, you need to have renters insurance. Western Trail Insurance is here to help. 

What is Renters Insurance?

Renters insurance is a type of insurance that covers your belongings in the event of damage or theft. It also provides liability coverage if someone experiences an injury while on your property. Renters insurance is an important safety net for anyone who doesn’t own their home.

Western Trail Insurance can help you find the right renters insurance policy for your needs and budget. We’ll work with you to understand your risks and ensure you have the coverage you need.

Why Do I Need Renters Insurance?

Your landlord’s insurance policy covers the building itself but does not cover your personal belongings. It could leave you with nothing if there’s a fire or theft. And if an injury occurs on your property, they could hold you liable. Renters insurance protects you from financial ruin in the event of a disaster.

How Much Does Renters Insurance Cost?

The cost of renters insurance varies depending on your belongings’ value and the coverage you need.

Get The Right Coverage Today

Don’t wait until it’s too late to get renters insurance. Contact Western Trail Insurance today for more information about how we can help you protect your home and belongings in Oshkosh, NE.

Is commercial insurance required in Nevada?

Do you need commercial insurance in Oshkosh, NE? The answer depends on your business type. If you have a small business that only employs a few people, then you might not need commercial insurance. But, if you have a larger business or one that is considered high-risk, then you will most likely need to get commercial insurance from Western Trail Insurance.

Is Commercial Insurance Required in Nevada?

Nevada does not require most businesses to have a commercial insurance policy. There are some exceptions listed below. However, if you need to lease property or equipment, commercial insurance is often required.

Types of Businesses That Need Commercial Insurance

There are certain types of businesses that are required to have commercial insurance. These businesses are usually considered high-risk because they pose a greater liability to the public. Examples of businesses that need commercial insurance include:

  • Restaurants and bars
  • Construction companies
  • Auto repair shops
  • Businesses that offer professional services such as accounting or legal services

If you have a small business that does not fall into any of the above categories, you might still need commercial insurance depending on the type of business you have. For example, if you have a home-based business, you will most likely need to get some form of commercial insurance to protect your home and belongings in case of an accident.

Get Commercial Insurance Today

Now that you know whether or not your business needs commercial insurance, the next step is to get it. Contact Western Trail Insurance in Oshkosh, NE and one of our qualified insurance agents will guide you through your options to get the exact amount of coverage you need.

Is having RV insurance a good idea?

In the Oshkosh, NE area, having a fun way to explore the state and enjoy all of the local amenities is a good idea. One of the ways that you can do this is by getting your own RV. If you choose to purchase one, you also need to make sure you are fully insured. Consult with Western Trail Insurance to get this vital coverage for your vehicle. 

There are a few reasons why having an RV policy can be a good idea

It Covers Your Vehicle

One good reason to always have an RV insurance plan is to ensure you are able to cover your RV. While your RV will be used to have a lot of fun, it can cost a significant amount of money. Fortunately, you can protect your investment in this asset with RV insurance. With this plan, you will have support if your RV is stolen or damaged in some type of accident. 

You Can Mitigate Liability Risks

It can also be a good idea to get an RV insurance plan as it can help to mitigate your liability risks. There are always going to be risks that come with using an RV, which includes the risk that you will be named liable in an accident and for someone’s damages. If you get proper insurance, it will provide you with this support and insurance protection. 

Get RV Insurance Today

An RV insurance plan should be considered a necessity for anyone that owns an RV in the Oshkosh, NE area. When you start looking for coverage, you can find that it is hard to build a policy. Once you are ready to start looking for a plan, calling Western Trail Insurance will be a big help the team with Western Trail Insurance values this unique coverage and will offer any support necessary to build a plan. 

5 Tips for Getting The Best Motorcycle Insurance Coverage

If you’re like most motorcycle enthusiasts, you understand the importance of having good insurance coverage. After all, your bike is a big investment, and you want to ensure it’s protected in case of an accident. But with so many different insurance companies and policies to choose from, how can you be sure you’re getting the best coverage for your needs? Western Trail Insurance in Oshkosh, NE can help you navigate this important coverage.

Here are a few tips to help you get the most out of your motorcycle insurance policy:

1. Know Your Coverage Needs

Before shopping for motorcycle insurance, you must understand what kind of coverage you need. You’ll want to consider things like the value of your bike, how often you ride, and whether you plan to use your bike for commuting or leisure. Once you have a good understanding of your coverage needs, you’ll be able to narrow down your options and find a policy that’s right for you.

2. Compare Rates and Coverage

Once you know what coverage you need, it’s time to start shopping around. Don’t just opt for the first policy you find – take the time to compare rates and coverage from different insurers. But beware of policies that seem too good to be true – often, these will have low rates but poor coverage. Make sure you read the fine print before making your decision.

3. Consider Extra Coverage

In addition to basic motorcycle insurance, you may also want to consider add-ons like roadside assistance. These can be helpful if you’re planning to do a lot of riding or if you want peace of mind knowing that you’ll be covered in case of an emergency.

4. Review Your Policy Regularly

Your coverage needs can change over time, so it’s important to regularly review your motorcycle insurance policy. If you’ve made any changes to your bike or riding habits, let your insurer know so they can adjust your coverage accordingly.

5. Read Your Policy Carefully

Before signing up for any insurance policy, it’s crucial that you read the fine print carefully. This way, you’ll know exactly what’s covered in case of an accident. And if you have any questions, don’t hesitate to reach out to your insurer. They should be more than happy to help you understand your coverage.

Contact Us Today

With so many different motorcycle insurance policies available, choosing the right one for your needs can be difficult. But by following these tips, you can be sure you’re getting the best coverage possible.

Looking for motorcycle insurance in Oshkosh, NE? Look no further than Western Trail Insurance. We offer various coverage options to suit your needs, and our team is always available to answer any questions you may have. Contact us today to get started.

Is There Anything Else I Need to Know About Boat Insurance?

Boat insurance may help you protect your investment by insuring against claims. If you’re looking at the cost of buying a new boat, you’ll probably want to steer clear of the new boat insurance. For most people, that’s the most expensive type of insurance. Consult with Western Trail Insurance in Oshkosh, NE for expert insurance advice. 

Boat Insurance: What You Need To Know

Boat insurance can help protect your investments from storm surges and other weather-related damage. You should also be aware that insurance companies may offer to cover some conditions, such as the cost of replacing your hull or fitting a new engine, for a set amount of money. This is a good option, but be careful: There may be a risk that the policy will cost more than you can afford to pay, and then you won’t be able to get it paid for. 

Boat insurance can be a key part of your coverage. 

  • First of all, ask for help. 
  • Secondly, don’t be afraid to ask for help.
  • Thirdly, be honest with your insurance agent. 

If you’re not sure what to do next, you can always book an appointment with a pro at your earliest convenience. 

Ensure to read the fine print, and understand the risks and rewards of owning boat insurance. You can find boat insurance for a small supplement or a large one. For a small one, you can get a small (usually $10 or less) policy and add on things like a water exit or a lifeboat. For a large policy, you can get a large (usually $50 or more) policy and add on things like a dock, a private water exit, and a private lifeboat. 

Give Us A Call

Boat insurance protects you against injury, property damage, and theft if something happens to your boat. It is important to know the risk that your insurance company takes to protect you. Boat insurance can help you to get the best price for your insurance and to stay out of debt. Talk to Western Trail Insurance, a firm serving in Oshkosh, NE.

Terms You Need to Know When Shopping for Health Insurance

It can be difficult to figure out what is going on when shopping for health insurance. There are so many different terms that you need to know, in order to make sure that you have a plan that you can afford. Western Trail Insurance in Oshkosh, NE offers this guide in navigating health insurance. 

Here are some of the terms that you need to know:


The deductible is going to be the amount of money that you have to pay before your insurance kicks in. This can be as little as five hundred dollars, though it can be several thousand dollars. 


This is the amount of money that you pay monthly in order to have health insurance. 


You may be required to pay a copay when you go to the doctor or emergency room. 

Out-of-pocket maximum

Your health insurance has a maximum amount of money that you will have to pay out of pocket. After you hit that amount, they will pay one hundred percent of your bills.  

Health savings account

You can save money in a health savings account to be used toward your medical bills. This money comes out of your paycheck before taxes, allowing you to have a bigger deductible and more affordable health insurance. 


Give Us A Call

It can be really hard to determine the right health insurance plan. Everyone has different deductibles and premiums. You will be required to pay a certain copay when you go to the doctor. You may also have the opportunity to start a health savings plan. 

If you want to make sure that you are fully protected, you should contact us today at Western Trail Insurance in Oshkosh, NE.