Insurance
Blog
Author: admin
What To Look For In Indiana Boat Insurance
Indiana residents love water sports and lakes in the sun that hurt the eyes. While the state doesn’t require boat insurance, it’s still a good idea in case you run across something for which you weren’t prepared. For instance, if your policy doesn’t cover weather hazards, then you’re out of the money to repair your boat from hail damage. Trestle Insurance Agency Inc., serving the greater Evansville, IN community, explains what to look for in boat insurance.
Specific Boat Coverage
Most policies cover collision and comprehensive, which simply means that the vessel is covered in case of collision, fire, theft, vandalism, and weather damages such as tornado damages. You’ll have this coverage if you’re paying on the vessel. That’s the only similarity, however, between home, auto, and boat insurance.
Specific boat coverage means that if there’s a mishap while towing the boat on its trailer to a body of water, your auto insurance policy will cover said mishap. It has nothing to do with the actual vessel. It also means that your boat won’t be covered on every body of water. If you take it into a country south of the U.S., for example, don’t look for insurance in case of an emergency. The waters of the U.S. and Canada are covered.
You might want to consider extra coverage for towing when a boat is dead on the water.
Schedule A Consultation Today!
Did you know that if your boat sinks, your boat insurance will handle recovering the wreckage as well as any fuel spilled in the accident?
Go on out and enjoy those sparkling waters as you ski and ride the waves. Trestle Insurance Agency Inc. in Evansville, IN has you covered, so call or come in for more information on boat insurance.
What is the benefit that comes with getting umbrella insurance in Indiana?
For those that are in the Evansville, IN area, having proper insurance is always beneficial. One type of coverage that all people in this area need to ensure that they get is umbrella insurance. This is a unique form of liability coverage that offers a variety of benefits that make it well worth the investment.
Coverage Against Serious Claims
One of the top benefits that will come when you sign an umbrella insurance agreement and get coverage is that you will have support against serious claims. If you end up being named liable in a home or auto-related accident, you will have coverage through your home or auto insurance plans. However, the damages can exceed the policy limits. When this occurs, you will benefit from having umbrella insurance as it will provide additional coverage on top of your existing policies.
Broad Plan Coverage
Having an umbrella plan is also a good idea as it can offer very broad coverage. When you have an umbrella policy, it will provide you with liability support for a wide range of risks that would not be covered under other insurance liability policies. This can include risks such as slander, which are harder to prepare for. With umbrella coverage, you will receive blanket support and peace of mind.
Reach Out To Us
It is important for individuals in the Evansville, IN area to carry umbrella insurance, particularly if they own valuable assets or have specific liability concerns. When seeking this liability coverage, calling out to our team at Trestle Insurance Agency Inc. is a good decision. There are numerous options to look at when shopping for umbrella insurance, and our experienced team at Trestle Insurance Agency Inc. can help you in building a customized policy that provides the necessary support for your specific needs.
Coverage you can add to a basic auto policy
For some people, a basic auto policy is the right choice. For others, it is just wrong. The basic amount of auto insurance every driver in Evansville, IN must have is 25/50/25. This is strictly liability coverage protecting other drivers from you in an accident you are held responsible for. At Trestle Insurance Agency Inc. we realize all of our customers have different requirements when it comes to auto insurance and will help ensure you have the right coverage for you.
Auto Insurance Add-ons
Collision
Collision coverage is the auto insurance coverage that pays to repair your vehicle in an accident for which you are responsible. It also covers hit-and-run.
Comprehensive
Comprehensive coverage offers a variety of different types of coverage. It has basic glass coverage, theft, and vandalism protection. It also covers a few weather-related events, including floods, wind, and hail.
Rental car coverage
If your vehicle is damaged in an accident where you are at fault, you will need to have something to drive while your vehicle is repaired. This is the coverage that does that.
Gap insurance
If you have a new vehicle and an auto loan, your coverage may not be enough to pay off what you owe. This coverage will make sure that you are not caught owing money and not having a vehicle.
Full glass coverage
This coverage will replace your windshield without your having to pay the deductible which comes with comprehensive coverage.
Roadside assistance
Roadside assistance is just what it sounds like, the same type of coverage that you would get from the auto club that most people have. You can get a jump start on your car or get a flat time fixed.
We Are Here To Help
Contact Trestles Insurance Agency Inc. for all your auto insurance needs in Evansville, IN. Give us a call today.
Can I get life insurance if I’ve have cancer?
A cancer diagnosis may make you wonder if it’s too late to get life insurance in Evansville, IN. Even if you currently have cancer or have had it in the past, getting life insurance is still possible. However, there are some nuances you should know before applying for life insurance as a cancer survivor. Trestle Insurance Agency Inc. explains what you need to know to get life insurance as a cancer patient or survivor.
Life Insurance & Cancer
Insurance companies use different guidelines to evaluate a potential policyholder’s risk, so getting coverage will ultimately depend on the severity of your cancer, the type of cancer, and the length of time since treatment. If you’re currently undergoing cancer treatment, getting life insurance coverage might not be possible. However, many insurance companies offer cancer survivors life insurance policies.
When applying for life insurance as a cancer survivor, the provider will want your medical history, including your cancer diagnosis and treatment. The insurance provider will use this information to determine your coverage eligibility and set a premium that reflects the risk associated with insuring you. The cost of life insurance premiums for cancer survivors can be higher than for someone who hasn’t had cancer.
Reach Out To Us
Having cancer doesn’t mean you can’t get life insurance in Evansville, IN. It can be more challenging, but there are life insurance providers who offer specialized coverage. If you’re a cancer survivor, it’s important to research and work with a reliable insurance provider to find the right coverage at an affordable price.
At Trestle Insurance Agency Inc., we are here to help you with your life insurance needs, including offering guidance on policies suited for cancer patients or survivors. Contact us today with your questions; we would gladly assist!
Is home insurance required after I’ve paid off my mortgage?
When you borrow money to buy a home in Evansville, IN, the mortgage holder requires you to maintain home insurance. Do you still need it now that you’ve paid off your mortgage?
While home insurance is not required by law in Indiana, we at Trestle Insurance Agency Inc. believe there are good reasons to keep your home insurance.
Benefits of Home Insurance
Home Insurance and Homeowners Associations
If you live in a community with a homeowners association (HOA), you may be required to have home insurance even if you’ve paid off your mortgage. The HOA may require insurance coverage to protect against common area losses, liability claims, and other issues. It’s important to check with your HOA to determine what insurance requirements are in place.
Protection of Your Investment
A home is a big investment, and it’s one that you want to protect for the long haul. While home insurance may seem like an unnecessary expense once you own your home outright, it’s still essential if you want to ensure that your investment is protected. Home insurance can help you repair or rebuild your home if it’s damaged by a covered peril such as fire, hail, or windstorm. Without insurance, you would have to pay for these repairs out of your pocket, which could be financially devastating.
Peace of Mind
Finally, home insurance provides peace of mind in Evansville, IN. With insurance coverage, you don’t have to worry about what will happen if disaster strikes. You know you’re protected and can rest easy knowing you have the financial resources to repair or rebuild your home if necessary. For many homeowners, this peace of mind is priceless.
We Are Here To Help!
Contact Trestle Insurance Agency Inc. today to learn more about home insurance options and how we can help you protect your home and your family.
