5 Tips for Getting The Best Motorcycle Insurance Coverage

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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?

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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

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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:

Deductible

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. 

Premium

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

Copay

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.

Your Umbrella Insurance: Ways It Protects You

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Umbrella insurance is a unique policy option that may help many people and businesses. But is it the best option for your needs? If you’re uncertain whether you need this policy, we at Western Trail Insurance can help Oshkosh, NE residents like you better understand what this policy will do for your needs.

What is Umbrella Insurance?

Umbrella insurance is a type of liability coverage that goes into effect after your primary liability pays out fully. It helps to protect policyholders when they experience a major financial lawsuit. For example, if you get sued for $30,000 and your liability caps out at $20,000, an umbrella policy would pay the difference. But is this type of coverage necessary for you or can you do without it?

Times When It May Help You

There are many situations in which umbrella policies may protect you. These situations may not occur to everybody but are common for many businesses. They can be particularly devastating for smaller companies that simply can’t afford major lawsuits. Times when umbrella policies help include when:

  • After a serious accident in your business
  • Covering multiple simultaneous lawsuits
  • Experiencing class-action suits from many parties

As you can see, these different scenarios are things that can happen to many people and organizations. Are you afraid of them occurring in your field? If so, it is a superb choice to find an umbrella insurance policy that makes the most sense for your needs.

Finding a Strong Option

Do you think that an umbrella insurance policy is a strong option for your needs? Our team at Western Trail Insurance can help you. Our Oshkosh, NE representatives fully understand the unique coverage protection inherent with these policies and will do what they can to help you get the best results possible.

Life Insurance FAQs

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Like most people, you probably have many questions about life insurance. Here are some of the most frequently asked questions about life insurance benefits in Oshkosh, NE. 

Life Insurance FAQs

1. What is life insurance?

Life insurance is a contract between an insurer and a policyholder. If the policyholder dies, the policyholder pays premiums to the insurer for a financial benefit, typically a lump sum payment.

2. What are the different life insurance policies?

There are four central life insurance policies: term life, whole life, universal life, and variable life.

3. What is term life insurance?

Term life insurance is the most basic and affordable type of life insurance. It provides coverage for a set period, typically 10, 20, or 30 years. If the policyholder dies during the policy term, the beneficiaries will receive a death benefit.

4. What is whole life insurance?

Whole life insurance is a more expensive type of life insurance, offering more coverage. The policyholder pays premiums for the rest of their life, and the beneficiaries will receive a death benefit if the policyholder dies.

A Western Trail Insurance agent can help you decide if whole life insurance is the right policy for you.

5. What is universal life insurance?

Universal life insurance is permanent life insurance that gives the policyholder more flexibility than whole life insurance. The policyholder can choose how much to pay in premiums and how the death benefit will be used.

6. What is variable life insurance?

Variable life insurance is permanent life insurance that allows policyholders to invest their premiums in different investment options. The death benefit and premiums can fluctuate based on the investment performance.

Now that you know a little more about the different life insurance policies, you can figure out which one is right for you in Oshkosh, NE. If you have questions, a Western Trail Insurance agent would be happy to help.

Look for these features when choosing your auto insurance policy

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Western Trail Insurance is here for the greater Oshkosh, NE community. If you have questions when it comes to auto insurance, we’re here to help! Today’s auto policies offer many great features that are worth your consideration.

Great features to include with your auto policy

When it comes to auto insurance policies, it seems like insurance carriers are always offering new features every year. Whether you are interested in roadside assistance, car rental coverage, or safe driving discounts and bonuses, it makes sense to take a look at the many features that you have to choose from.

Of course, the most important part of any insurance policy is the protection from loss and/or damage. Once you have selected the policy and coverage levels that can best meet your needs, it’s time to look at some additional features. We want our customers to have the protection they need along with all of the benefits that are available and make sense for them.

Choosing the auto policy that best meets your needs can be a much easier process when you work with a local agent. Our team is here for you to answer your questions and help in any way that we can.

Now is a perfect time to review your current policy for completeness. And, while you’re doing this, why not check out some of the great features that are also available?

Call us today and find out more!

If you would like to learn more about the auto insurance policy options that are available in the Oshkosh, NE area, give Western Trail Insurance a call today! We look forward to working with you and your family.

Does My Business Need Cyber Liability Insurance Under a Commercial Insurance Policy?

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What is Cyber Liability Insurance?

If your business uses technology, whether it is to store customer credit card information or names and addresses, then you are at risk of a cyber-attack. While many people assume that cyber-attacks only happen at major companies, that is a far cry from reality. In fact, most cybercrimes aren’t even being discussed because they occur at smaller businesses that aren’t going to be covered by the news.

So what can you do to protect your business from a cyber attack? Well, it’s pretty easy – purchase cyber liability insurance. Cyber liability insurance is a type of coverage that pays out when a business suffers a cyber intrusion such as a data breach, ransomware, or malware attack. When an attack of this nature occurs, businesses must take a number of steps from informing customers, to recovering lost data, to potentially settling litigation and paying fines. It is not unheard of for companies to go out of business because they can’t recover from the losses associated with cybercrime.

Luckily, cyber liability insurance can help pay for these costs and much more. Although cyber liability insurance is not required in Nebraska like workers’ compensation and commercial auto insurance is, it is highly recommended that you purchase the coverage for extra peace of mind. 

When it comes to safeguarding your business, you want the best coverage possible. At Western Trail Insurance in Oshkosh, NE we have your back and will work tirelessly to customize an insurance policy that ensures your business is totally protected. Whether you are in the market for a new policy or just opened a business, let us help you and give us a call today to learn more. 

Should I File a Homeowners Claim?

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Home insurance provides an extra level of protection should your house be damaged due to a covered incident, but knowing when to file a claim is almost as important as having the coverage. As a general rule of thumb, you’ll want to file a homeowners claim if you meet any of the circumstances outlined below:

The Repair or Replacement Costs Exceed Your Deductible

Similar to auto insurance and other insurance policies, your homeowner’s coverage includes a deductible. Let’s look at an example to understand how it works. Your home is damaged in a severe snowstorm leaving the roof destroyed and significant repairs needed. You get multiple estimates for the repairs ranging from $5,000 to $10,000 and have a deductible of $1,000. Given that the repairs are significantly higher than your deductibles, you should file a claim so you don’t have to pay more out of pocket than necessary.

It’s a Total Loss

If your house becomes inhospitable due to a fire or any other unthinkable disaster and needs to be entirely rebuilt, you’ll want to file a claim.

You Haven’t Filed a Claim in Three or More Years

When determining policy premiums and annual increases, insurance companies consider your claims history. Therefore, the more time that has passed between filing claims, the easier it will be for the claim to be processed and accepted. 

Buying a home can be stressful and at Western Trail Insurance in Oshkosh, NE we aim to make our part in that process as painless as possible. Consequently, we’re ready to answer any of your home insurance questions and help find you a policy that exceeds your expectations. 

4 Benefits of Renters Insurance

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Renters insurance is a valuable investment that protects you and your belongings wherever you go. Unfortunately, many tenants don’t know how useful renter’s insurance is. In light of this, Western Trail Insurance of Oshkosh, NE has taken time to highlight the benefits of renter’s insurance, including how it protects what matters most to you.

It protects your possessions

Most tenants think that the landlord’s insurance protects their belongings. This notion isn’t true. The landlord’s insurance covers the building but not your assets. Renters insurance is the investment you need to protect the valuables you cherish.

Think of someone breaking into your room and stealing your TV or laptop. Wouldn’t it be stressful planning to purchase another one? For that reason, you need renters insurance when damage or loss occurs on your valuables.

Liability protection

Renter’s insurance protects you when accused of causing bodily injury or property damage to third parties. For instance, suppose you invite a friend to your house and trips on your staircase, dislocating the hip. While the accident was purely accidental, you could be held liable for their medical expenses. Renters insurance helps cover claims brought against you, your pets, and your family members.

Covers loss of use

If a peril listed in your policy damages your rented dwelling, renters insurance covers the additional living expenses until your home or apartment becomes habitable again.

It covers you on the go

Another advantage of renters insurance is that it covers you wherever you go. Let’s say you have gone shopping, only to find out that someone has broken into your parked car and made away with your laptop. Fear not! Renters insurance compensates you for the loss even when not near your dwelling.

Buy renters insurance today!

As you can see, renter’s insurance is more valuable than you thought. Ready to take the plunge? If yes, please get in touch with Western Trail Insurance in Oshkosh, NE for an affordable quote.

What Does Motorhome Insurance Cover?

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You are excited to start traveling in your new motorhome and will want to protect the investment you made in your home on wheels. The staff at Western Trail Insurance in Oshkosh, NE can provide you one of the best ways possible to protect your motorhome and that is through obtaining motorhome insurance.

When it comes to insuring a motorhome, there are several options you can choose from but one type of insurance is required in the state of Nebraska and the is liability insurance.

Liability Insurance

You must have at least liability insurance to be able to drive any motor vehicle on the public streets and highways in Nebraska and that includes your motorhome. Liability insurance will help pay for injuries and property damage that others sustain if you or someone who you allow to drive your motorhome are involved in an accident.

Uninsured and Underinsured Motorist Insurance

You can add-on this type of insurance with your liability insurance policy to protect you and your motorhome if you are involved in an accident with a motorist who has failed to obtain an auto insurance policy or does not have an adequate amount of insurance to cover damages and injuries from an accident the person caused.

Comprehensive Insurance Coverage

This type of insurance is very important to have in place since it will cover your motorhome if it is damaged or destroyed by a fire, some sort of natural disaster, an act of vandalism, or is stolen. If you borrowed the money from a bank or other lender to purchase your motorhome, you will probably be required to have comprehensive insurance coverage in place.

Collision Insurance

Collision insurance will pay for any damages to another vehicle that you collide with as well as a stationary object.

Get Your Policy Started

To get a quote and begin the process of securing the proper amount of insurance coverage for your beautiful motorhome, contact the insurance agents at Western Trail Insurance in Oshkosh, NE today!