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Can You Combine Boat Insurance With Additional Policies?
Investing in a boat is a great way to explore the outdoors, whether you’re a fan of lakes or rivers. If you’re a boat owner, you may be wondering if it’s possible to combine boat insurance with additional policies. In most cases, the answer is yes. At Trestle Insurance Agency Inc., serving Evansville, IN, we’ll work with you to find policies that are ideal for the type of coverage and protection you need, whether you’re a seasonal boater or if you use your vessel year-round.
Common Policies Combined With Boat Insurance
Boat insurance is frequently bundled with the following:
- Auto insurance: This may help you qualify for multi-policy discounts
- Home or renters insurance: Streamlining your insurance is helpful for managing all personal coverage under one insurer
- Umbrella insurance: Adds an additional layer of protection (liability) beyond standard boat insurance policies
- Recreational vehicle: Ideal if you’re the owner of ATVs, RVs, or even motorcycles
How Umbrella Insurance Fits in With Boat Insurance Policies
Boat liability limits can be exceeded when you’re involved in a collision or a serious accident that has resulted in injuries. When your boat insurance is combined with umbrella insurance, your policy provides additional protection and coverage for legal fees, judgments, and potential settlements.
Benefits of Combining
Bundling boat insurance can help lower your overall premiums (through multi-policy discounts) while simplifying billing and renewals. You’ll also receive a reduced risk of coverage gaps, which can protect you year-round.
At Trestle Insurance Agency Inc., we specialize in assisting clients with boat insurance and add-on policies, even if you’re unfamiliar with your options. Whether you’ve just purchased a boat for the first time or you’re seeking additional coverage, we can help. If you’re located in or near Evansville, IN, contact us for your quote and consultation today.
Boat Insurance Coverage for Passenger Falls and Injuries
When buying a boat, you may not think much about injuries that happen while you are out on the water. Yet, they can happen, and when they do, they put you at risk financially. With the right type of boat insurance, you have less risk of having to pay these costs out of pocket.
At Trestle Insurance Agency, Inc., we help our Evansville, IN clients find tailored boat insurance solutions that meet their specific coverage needs and budget.
Boat Insurance for Falls and Injuries
Passengers falling on boats is a common occurrence. Fortunately, many risks can be prevented by clearing debris from steps and walkways, maintaining proper handrails and grab bars, applying non-skid materials to high-traffic areas, and using life jackets. However, if an accident does happen and a passenger sustains a serious injury, having the right boat insurance coverage can provide you with essential financial protection.
Liability Coverage
If a visitor or passenger who does not live with you suffers an injury on your boat, your boat insurance’s liability coverage would respond if you’re liable for the accident. Liability coverage also includes legal fees if they decide to sue.
Medical Payments Coverage
Medical payments coverage is for necessary medical expenses resulting from a boating accident, regardless of who’s at fault for the accident. The extent of this coverage depends on the type of policy you select.
Get Protected with Boat Insurance
If you’re considering an update to your boat insurance or would like to review your current policy, contact Trestle Insurance Agency, Inc., serving Evansville, IN, and the surrounding area, for a personalized quote. With the guidance of our agents, we’ll help you find the ideal policy customized to your needs.
Does Umbrella Insurance Protect Against Cyber Attacks in Evansville, IN?
If you have a business in Evansville, IN, you may be wondering how to provide protection for coverage gaps, especially in the event of a cyberattack. If you’re thinking about opting for umbrella insurance, it’s important to understand what is not covered, and how you can add further protections to your business with the help of the right insurance agency. At Trestle Insurance Agency Inc., we provide assistance to clients who are seeking additional protections with the right insurance policies.
What Standard Umbrella Insurance Does Not Cover
Standard umbrella insurance is a way to extend liability protection beyond traditional limits of policies. This typically adds between $1 – $5 million of extra coverage when accidents, lawsuits, or even injuries occur on your property. Unfortunately, umbrella policies usually do not cover:
- Online fraud
- Identity theft
- Social engineering scams
- Cyber extortion or ransomware
- Theft of digital assets
- Hacked bank accounts
What Standard Umbrella Insurance Can Cover
Business insurance policies that commercial umbrella insurance typically broadens include:
- Commercial general liability
- Commercial auto
- Workers’ compensation
- Product liability
Note that commercial umbrella insurance only covers claims if you have the appropriate underlying policy to start with. It can’t provide brand-new coverage. For example, if you don’t have an existing commercial general liability (CGL) policy, your umbrella insurance won’t cover CGL claims.
Give Us a Call at Trestle Insurance Agency Inc.
Knowing how to properly protect your business is crucial as you begin to grow and expand. Even if you’re new to the digital realm, the right insurance policies can provide a sense of security and peace of mind you deserve. To learn more about umbrella insurance and additional add-ons in Evansville, IN, contact Trestle Insurance Agency Inc. today.
Is Auto Insurance Negotiable?
Auto insurance is a non-negotiable cost. If you’re going to be on the road, you need auto insurance, often due to the legal requirements of your state. That being said, not everyone wants to pay high premiums to get the coverage they need should they get into an accident. Is auto insurance something that you can negotiate? Before you start shopping around, here’s what you need to know about negotiating auto insurance and whether it’s possible. Once you are ready to begin looking around for auto insurance policies, contact us at Trestle Insurance Agency Inc., serving Evansville, IN, for the streamlined auto insurance experience you’re looking for.
Can You Negotiate Auto Insurance?
It’s important to know up front that you can’t negotiate your auto insurance premiums. How much an auto insurance company decides to charge you is not up for debate. You can, however, negotiate the details of the policy and ask certain questions that will allow you to get more tailored coverage and more desirable premiums. For example, you can negotiate what types of coverage your policy offers, ask about discounts that you can take advantage of (and ones that might not be so obvious), and even see if there are strategic ways to bundle your vehicle with other assets you currently own. Remember, you do have a lot more power in the auto insurance shopping process than you might believe. Don’t be afraid to explore your options and ask questions that could give you better coverage.
Seek Out Auto Insurance With Trestle Insurance Agency Inc.
Here at Trestle Insurance Agency Inc., serving Evansville, IN, we support you through the auto insurance policy shopping process so you can get the best coverage and premiums. Compare quotes with us!
Can You Get Life Insurance If You Already Have Cancer?
It’s common for people to start thinking about the future of their loved ones after receiving a terminal diagnosis. Cancer may go into remission, but it can also become terminal, leading to feelings of uncertainty about how the family will handle funeral expenses. Typically, life insurance in Evansville, IN, can provide financial support.
Can You Get Insurance With a Cancer Diagnosis?
Yes, many companies will still offer life insurance policies to individuals with a cancer diagnosis. Most companies, including Trestle Insurance Agency Inc., will inquire about your health and diagnosis. They’ll need to know if your cancer is terminal and what stage it is.
Lower Death Benefit
Your diagnosis can impact your policy in several ways. For individuals with a terminal diagnosis, the death benefit is often reduced since they may not have paid into the policy for very long. However, the benefit is usually sufficient to help loved ones cover expenses such as burial costs.
Higher Monthly Payments
People with a cancer diagnosis may face higher monthly payments compared to those without such a condition. A professional agent can work with you to secure the lowest possible payments. Since rules and regulations vary among companies, it’s essential to consult with an agent to understand your payment options.
Honesty Is Crucial
Reviewing doctor statements and medical records is essential to ensure you provide accurate information. If the information you provide is incorrect, the company may deny the claim for a death benefit. For instance, if you disclose a cancer diagnosis but fail to mention that it is terminal, the claim could be denied after your passing.
Agents at Trestle Insurance Agency Inc. can help you navigate these complexities. Contact us today to learn more. We proudly serve the Evansville, IN, area.
Will my auto insurance cover the damage to my neighbor’s mailbox or my homeowner’s insurance?
Many people agree that both homeowners’ insurance and auto insurance offer numerous benefits. While some of these benefits may seem to overlap, it’s important not to assume they always do. Your insurance agency should be a reliable resource to clarify any confusion in this area and more. Our Evansville, IN, team at Trestle Insurance Agency Inc. provides a variety of insurance options to meet the needs of our clients. As a result, it can sometimes be unclear which insurance covers specific situations. Although homeowners’ insurance includes many bundled coverages, it doesn’t cover everything. It’s always best to consult one of our agents for clarification.
Will My Auto Insurance Cover the Damage to My Neighbor’s Mailbox?
Your auto insurance will cover the damage to your neighbor’s mailbox. This is because the damage occurred while you were driving your car. Auto liability insurance is specifically designed to cover damage to other people’s property caused by your vehicle. It also covers injuries you may cause to others while driving. On the other hand, homeowners’ insurance covers damage to your own home and injuries to others while they are visiting your property.
How We Help You Understand Your Insurance Coverage
Our agents at Trestle Insurance Agency Inc. are dedicated to ensuring our Evansville, IN, clients, both current and future, understand what their insurance policies cover. We know it can be unclear if you have multiple types of insurance, but we’re here to help clarify your options and ensure you have the coverage you need. Don’t hesitate to call us with your questions; we’re always here to assist you.
Why Your Renters’ Insurance Needs Liability Coverage
Renters’ insurance is essential for anyone renting a home. It provides critical protection against damaging events that could lead to serious financial problems. While renters don’t need home insurance, renters’ insurance offers similar types of coverage, including liability insurance. Liability coverage is a vital component that no renter should be without. If you’re renting and need this insurance, contact Trestle Insurance Agency Inc. in Evansville, IN today.
The Need for Liability Coverage
Renters often overlook liability coverage, but it’s an important safeguard. As a renter, you’re responsible for the safety of guests who visit your home. If someone is injured while on your property, you could be held liable for their medical bills and other related expenses. Without renters’ insurance, these costs would need to be paid out of pocket. Liability coverage within a renters’ insurance policy can help cover these expenses, protecting you from financial strain.
Accidents in the Home
While it may seem unlikely, accidents in the home happen frequently. A guest could slip, fall, or experience another type of injury at any time. Even minor injuries can lead to substantial medical expenses. Without renters’ insurance, you could face serious financial challenges. To stay protected, it’s essential to have renters’ insurance in place for the duration of your rental period.
Get Renters’ Insurance in Evansville
If you don’t have renters’ insurance yet, you’re vulnerable to potential costs that could be substantial. To get covered, contact Trestle Insurance Agency Inc. in Evansville, IN today.
Driving a motorcycle with a passenger
The pillion seat has its origins in horseback riding, where riders would place a small rug or animal pelt behind the saddle to accommodate a second passenger. After all, if a knight rescues a damsel, he can’t very well expect her to run alongside his horse! Today, many motorcycles feature an extra seat for a passenger, often referred to as "riding double" or "riding two up." While riding with company can be enjoyable, it’s important to follow safety precautions. Riding with a passenger should only be attempted by experienced and safety-conscious drivers.
Safety Tips for Riding With a Passenger
Before riding with a passenger, ensure your motorcycle is equipped and prepared to accommodate them. Brief your companion on safety measures and their responsibilities as a second active rider. Here are some key guidelines:
- Passengers must be tall enough to reach the footrests and mature enough to handle the responsibility.
- They should wear protective gear, hold onto the driver’s waist or designated handholds, and keep their feet securely on the footrests.
- Passengers should avoid sudden movements that could affect the motorcycle’s operation.
- Drivers should allow extra time for passing, maintain moderate speeds, and avoid sudden changes in direction or abrupt stops.
- Exercise extra caution when cornering, and ensure the passenger dismounts first.
By following these precautions, you can ensure a safer and more enjoyable ride for both you and your passenger.
Contact Trestle Insurance Agency Inc. in Evansville, IN
If you’re in the Evansville, IN area and need motorcycle insurance, contact Trestle Insurance Agency Inc. We’ll help you find the policy best suited to your needs. Protect yourself and your motorcycle today!
Is Insurance Required for an Underage Person to Operate a Boat in Indiana?
Heading out to a lake or river for a day of boating in Evansville, IN, provides endless hours of fun for everyone. This includes not only adults interested in taking their watercraft for a spin, but also young operators who are aged 15 or older. While boat operators in Evansville, IN are not required to have insurance on their watercraft, there are exceptions to the law.
What Does Indiana Require Regarding Boat Insurance for Adults?
Adults who are in the process of purchasing a boat from a bank or other lender will most likely be required to provide collision and comprehensive insurance coverage. Just like an automobile or other vehicle being financed, the lender will want to ensure their investment is protected in the event of an accident.
If you plan to stop at a marina to refuel or refresh, the owner of the marina may also require proof of insurance before you are allowed to dock your watercraft. This makes sense as an uninsured boat may come into contact with other ships, causing an accident or damage.
What are the State Requirements for Underage Operators?
Residents who are 16 years old must have a current and valid state driver’s license that allows them to operate a motor vehicle before they can legally operate a motorboat.
Resident teens who are a minimum of 15 years old must have a valid state identification card and pass the state’s boater’s education course before they are allowed to operate a motorboat or a power watercraft.
Contact Trestle Insurance Agency Inc.
At Trestle Insurance Agency Inc., our agents are here to help you understand when it is to your benefit to have boat coverage. We are also here to provide detailed information about any requirements the state may have and how to meet those requirements.
I’m a Homeowner With Home Insurance. Do I Need Umbrella Insurance?
If you have home insurance, you may have heard that umbrella insurance can extend some of your home insurance coverage. Understanding the benefits of umbrella insurance and how it can extend your home insurance coverage is important.
At Trestle Insurance Agency Inc., servicing Evansville, IN, we provide umbrella insurance to homeowners who want it. We work with many insurance carriers to help homeowners find the right umbrella insurance policy for them.
What’s the Difference Between Home Insurance and Umbrella Insurance?
Home insurance is a type of insurance that covers the home, personal property in the home, and living expenses if you have to temporarily move out of your home after a covered event occurs. Home insurance also provides liability coverage if someone becomes injured on your property.
Umbrella insurance is a type of insurance that extends the liability coverage on your home insurance policy. Umbrella insurance can help protect you if you’re sued because someone is injured on your property.
Who Benefits From Umbrella Insurance?
The people who benefit from umbrella insurance are usually those who have more assets than the coverage on their home insurance policy. In this case, umbrella insurance can help protect your assets in the event that you are sued.
How Much Umbrella Insurance Is Enough? Talk To Your Insurance Agent
Many people who choose to get umbrella insurance have a hard time deciding how much umbrella insurance is enough. Your insurance agent can help you decide. At Trestle Insurance Agency Inc., servicing Evansville, IN, we provide advice for customers who want insurance coverage for their home.
We can help you decide how much umbrella insurance is enough. When you’ve made your decision, we can help you decide which insurance policy from which insurance carrier is right for you.
