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Those of us in the Evansville, IN, area and the Midwest have become accustomed to summer storms. Heavy rain, high winds, lightning, and loud thunder have been part of our lives for several months of the year. We can take comfort in knowing that homeowner’s insurance is available, helping to protect against significant financial losses during these storms.

However, Trestle Insurance Agency wants to remind you that a homeowners insurance review can reveal some weaknesses in your coverage. Here’s what you need to be aware of:

Flood Insurance

Unless your policy includes special coverage under the Federal Flood Insurance Program, you are likely not covered for damages resulting from rising waters due to storms. Contact us for a specific flood insurance quote and to see if you qualify.

High wind damage

Most standard home insurance policies will cover damage to your roof, siding, and windows caused by high winds, including tornadoes. Damages to outbuildings, fencing, and downed trees are typically included in your basic homeowners’ insurance policy.

Lightning

Protection against fires from lightning and damage to electrical equipment may be covered. Check your policy for specifics on the coverage for electronics.

Associated damage

In the event of a fire caused by lightning, most basic homeowners insurance policies will provide coverage for damage due to smoke, water, and foam fire retardants used in fighting the fire. Immediate water damage resulting from roof damage is also commonly covered, depending on your policy and deductible.

Review your policy

It is easy to forget the specifics of a homeowner’s insurance policy, which is why carrying out an insurance review can be so useful. Contact us at Trestle Insurance Agency Inc. of Evansville, IN, for your free review and pricing quote. Are you prepared for Indianapolis summer storms? Find out by calling Trestle Insurance Agency Inc.

You might be somewhat nervous if you’re renting for the first time. Leases can be complex, and you may not understand everything, including what you’re liable for and what protections you’re afforded. Many first-time renters fail to realize, for example, that their personal property often isn’t covered in the event of a break-in, natural disaster, or other incidents. Thankfully, rental insurance policies can be taken out to cover many different things. If you’re looking for renter’s insurance and an agency that serves Evansville, IN, contact Trestle Insurance Agency Inc.

When Renting, the Devil is in the Details

It’s important to read the fine print of any contract you are signing, including a lease or insurance policy. You also need to understand late fees if you pay rent late and who to call if repairs are needed. It’s likewise important to understand who is responsible for paying for repairs.

What is and is not covered can vary depending on the terms of the contract. For example, some leases will cover repairs caused to the roof or exterior of a rental house during a storm. However, that might not be covered if water destroys personal property because a window breaks and rain makes its way inside.

Likewise, the landlord may cover the repair work if burglars break through a window or door. Yet, if the burglars make off with your computer and television, that may not be covered by the landlord or their insurance policy. However, the right renter’s insurance policies can provide coverage for such events.

Of course, when selecting rental insurance policies, or any other type of insurance policy, for that matter, you need to study the terms carefully to understand what is and is not covered. If you need to take out renter’s insurance and are looking for an agency that serves Evansville, IN, contact the Trestle Insurance Agency Inc. immediately.

Do you need motorbike insurance for a vintage motorbike you never ride? It would seem paying for coverage for a bike stored in your garage is a waste of money. However, there are some good reasons why keeping your vintage bike insurance is a wise idea.

Keeping Your Options Open

You may want to take your vintage motorbike out for a short spin on a sunny day even if you’d planned to keep your bike in storage long-term. However, residents who ride a vintage motorbike without insurance could be fined in Evansville, IN. You could also have your license or vehicle’s registration suspended.

You Want to Keep Your Bike Protected

A comprehensive vintage motorbike insurance policy will compensate you if your bike is stolen, vandalized, or damaged by a natural disaster. You may have to pay thousands of dollars for needed repairs without insurance coverage. Alternatively, you may lose your bike permanently with no financial relief.

Maintaining Year-Long Coverage May be Your Cheapest Option

Evansville, IN, insurance policies are annual policies. If you cancel your insurance policy and then decide to resume coverage later on, the cost of starting a new policy may be higher than you had anticipated. What’s more, some insurance companies will charge a fee if you cancel coverage before the end of the contract.

Vintage Motorbike Insurance from Trestle Insurance Agency Inc.

Trestle Insurance Agency Inc. is an independent insurance provider. We work with multiple insurance carriers to provide Evansville, IN, residents with policy options tailored to meet their needs. If you want to learn more about insuring a vintage motorbike or explore our insurance policy options, contact us at your convenience.

Yes, finally, it is that time of year again. Boat owners and enthusiasts from all around the Evansville, IN, area wait and endure all winter—boating season. Before we get too anxious and start pulling our seaworthy vessels from storage and prepping those trailers, however, we should ensure we have the protection we need before hitting the open water. That is also where the help of your local and friendly agents at Trestle Insurance Agency Inc. can help.

Preparing for Boat Season and Boat Safety

There are many things to do before your boat is ready to sail. From that seasonal wax for both esthetics and practical benefits to that safety checklist, getting our boats ready for the season is a labor of love. In all that excitement of preparation, though, don’t let your boat insurance become an oversight.

Along with your safety checklist, adding boat insurance to the list of things to do might be a good idea. That may mean updating your policy, getting new coverage, or doing a check-up to ensure everything is in order. After all, it is the Captain’s job to inspect every nook and cranny. The good news is, with boat insurance, boat owners can feel like many of those safeguards have been handled. Like our life jackets and safety preservers, we never want to need them, but we sure are happy to have them when we do!

For All Your Boat Insurance Needs

Are you ready for boat season yet? If you live in or around the Evansville, IN area and have questions or would like help with boat insurance, the friendly and professional team at Trestle Insurance Agency Inc. is here to help. Contact us to learn more and schedule an appointment today for the protection your seaworthy vessel deserves.

A Detailed Guide on Achieving Additional Protection with Umbrella Insurance

In Evansville, IN, an unforeseen event can sometimes result in a liability claim that exhausts the coverage provided by your standard automotive or home insurance policy. In such cases, filing an umbrella insurance claim to cover any shortfall might be necessary. With Trestle Insurance Agency, you can learn how to navigate this filing process seamlessly.

Filing a Liability Claim

The first step is filing your liability claim. This claim can be filed directly through your existing insurance provider, and it will cover the initial costs associated with the claim. An insurance adjuster will be assigned to review your case, assess the value of the damage, and report their findings to the insurance provider.

Filing an Umbrella Insurance Claim

If your liability insurance claim is likely to cost more than your standard policy covers, it’s time to file an umbrella insurance claim. As secondary coverage, umbrella insurance steps in to pay costs not initially covered. Again, this claim can be filed with your existing provider.

Insurance Form And Adjuster Consultation

The first step in claim filing is to complete a form. Once your paperwork is filed, an insurance adjuster may contact you for a consultation. After answering any questions about the claim, your umbrella insurance will cover incurred costs, including legal fees, if approved.

Contact Trestle Insurance Agency for Personalized Assistance

With an understanding of the umbrella insurance claims process under your belt, you can confidently file a claim when the need arises. The team at Trestle Insurance Agency Inc. is always ready to provide additional assistance and answer any questions you may have regarding umbrella insurance and the claim filing process. Visit us today!

Driving in Evansville, IN warrants the same concerns as anywhere else, and that also requires getting the auto insurance coverage safe drivers need. That is also why drivers from all around the Evansville area turn to the Trestle Insurance Agency Inc. team for their auto insurance solutions.

Three Things All Safe Drivers Have in Common

All safe drivers have three things in common: good driving habits, adherence to safety protocols, and auto insurance. Safe drivers appreciate the importance of defensive driving and following driving laws. Safe drivers also adhere to safety protocols, such as wearing seatbelts, and safe drivers are always insured drivers.

Auto Insurance: Just Because You Never Know

We never know when we might experience a mechanical failure, get hit by another driver, or need auto insurance coverage. That is also why safe drivers are always prepared for the unknown and unpredictable with effective auto insurance solutions.

What Every Driver Involved in an Accident Should Know

If you are in an accident, it is important to understand what steps to take next. The first step is to contact the police. Even for the most minor accidents, a police report will prove to be a valuable tool when filling out a claim. It is also a good idea to collect the names, addresses, and phone numbers of everyone involved. 

When possible, it will help to record the license plate numbers and VINs of all the vehicles involved in the accident too. Finally, don’t forget to contact your insurance agent as soon as possible. 

If you need an insurance company for your auto insurance needs in or around Evansville, IN, then we at Trestle Insurance Agency Inc. invite you to reach out to us today!

If you don’t have questions about life insurance, you must be an insurance agent. Most people have lots of questions and having an independent insurance agent who they can trust is important. Our team at Trestle Insurance Agency Inc. in Evansville, IN is here to answer your questions and provide the support you require. 

Life Insurance FAQs

Why do I need life insurance?

Life insurance is designed to pay a death benefit to the beneficiary of your life insurance policy. It allows you to provide security for your loved ones when you are not there to provide for them. It can also pay for your final expenses so that your loved ones are not saddled with expenses they may be unable to pay. Think about those who count on you when deciding how much life insurance you need. 

Do I need more life insurance than my work provides?

Life insurance provides financial security for your family.  Do you really want your employer to determine how much support your family will need? What happens if you get laid off or change employers? What then?  It is always a good idea to have your own life insurance and to consider what is provided by your employer as a nice bonus that can help your family. 

Can I get life insurance without a physical?

The simple answer is yes, but there is a caveat. You will pay more for life insurance than you purchase without a physical, and you may not be able to get the amount that you need. You will still have to answer health questions, and you need to be honest. Only get this type of life insurance as a last resort. 

Call Today To Discuss Your Options

Contact Trestle Insurance Agency Inc. in Evansville, IN when the time is right to discuss your life insurance. Let us give you a no-obligation quote today. 

As the impacts of climate change intensify, homes face new and heightened risks, prompting a critical reassessment of home insurance coverage. Here at Trestle Insurance Agency Inc., serving the greater Evansville, IN area, we want to help you understand climate change and its implications for homeowners.

Rising Threats: Extreme Weather Events

Climate change is amplifying the frequency and intensity of extreme weather events. From hurricanes and wildfires to severe storms, homes are increasingly vulnerable to these threats. Traditional home insurance policies may fall short of providing adequate coverage for the damages incurred during such events.

Specialized Coverage: Tailoring Protection to Climate Risks

Recognizing the changing climate landscape, homeowners are urged to explore specialized insurance coverage. This may include policies specifically designed to address the risks associated with extreme weather events, flooding, and other climate-related perils. These tailored solutions provide a more comprehensive safety net, aligning with the evolving realities of climate change.

Mitigating Risks: Homeowner Preparedness Beyond insurance, proactive homeowner preparedness is paramount. Implementing measures such as home fortifications, storm-resistant infrastructure, and sustainable landscaping can help mitigate risks. Additionally, staying informed about climate-related risks in your region and adapting your home accordingly enhances overall resilience.

We Are Here To Help

The intersection of climate change and home insurance underscores the need for a proactive and adaptable approach. Homeowners must recognize the evolving risks, explore specialized coverage options, and actively engage in strategies to fortify their homes against the changing climate. If you’re looking to purchase a home insurance policy that protects you and your home from elements common to climate change, reach out to Trestle Insurance Agency Inc., serving the greater Evansville, IN area today.

When you get renter’s insurance, there are a number of different types of coverage that will be included in it. Chief among them is protection for your belongings against damage and paying for a place to live if the home becomes uninhabitable for a while. In addition to these, there is an amount of liability insurance that comes as a part of the policy. When you want to make sure you’re covered as a renter, call us at Trestle Insurance Agency Inc. in Evansville, IN to find out more. 

Liability for Renters

A lot of things can happen to people inside your rented home. When you have people over, have a worker present, etc., there’s always the possibility that they could have an accident there. If they were injured in an accident, you would have liability for the costs that are involved. There may be a number of different types of bills after an accident with injuries, and they can be sky-high. Medical bills alone can be extremely high. Many renters would have a hard time paying for these bills. It could mean serious financial strain that can cause you financial problems for a long time. 

Bills You May Owe

The medical bills are generally what people think about when they think of liability for an accident. However, they aren’t the only bills that you may need to pay. You may owe for the person’s lost wages as well as any legal bills they incur because of the accident. There may also be bills for ongoing therapies such as physical therapy. Your renter’s insurance can cover these bills to help prevent a financial disaster for you. 

Get Renter’s Insurance

Every renter needs protection for their possessions and their liability, and renter’s insurance provides it. To get started, call us at Trestle Insurance Agency Inc. in Evansville, IN.