Transitioning From Renters Insurance to Homeowners Insurance

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If you are making the transition from an apartment to a house, mind your insurance. Regardless of where you live, your new investment faces various risks, from theft and vandalism to floods, fires, hail, and wind damage. If something goes wrong, you’ll need adequate insurance. And if you have a mortgage, your lender will require it. 

Homeowners Insurance To Protect Against Theft

Living in a house creates a false sense of security. Moving on from an apartment to a house certainly adds safeguards, yet it also puts a target on your possessions. 

The bottom line? Every homeowner is the envy of burglars. This is precisely why homeowners insurance from Walker and Associates Insurance Agencies Inc. is necessary.

Protection Beyond Theft

Theft is only one threat to homeowners. Property can also be damaged by natural disasters, faulty ceilings, visitors, and others risks. In some cases, property becomes lost and goes unaccounted for.

If any such situation happens to you, it is imperative that you have homeowners insurance. It can help you cover the potentially significant cost of replacing your possessions if they’re damaged in a flood, fire, or windstorm.

Your homeowners insurance can also cover your liability if your dog bites someone and they require extensive medical care. And in some cases, it can even cover temporary housing if your home becomes uninhabitable due to a covered event. Ask one of our agents to explain the details of any homeowners policy you’re considering so you understand what it does and doesn’t cover. 

Call Walker and Associates Insurance Agencies Inc.

Whether you own a home or are thinking of buying one, we’re on your side. Call us for a consultation and homeowners quote. We’re currently serving Fillmore, NY. 

Transitioning From Renters Insurance to Homeowners Insurance

Posted on by admin

If you are making the transition from an apartment to a house, mind your insurance. Regardless of where you live, your new investment faces various risks, from theft and vandalism to floods, fires, hail, and wind damage. If something goes wrong, you’ll need adequate insurance. And if you have a mortgage, your lender will require it. 

Homeowners Insurance To Protect Against Theft

Living in a house creates a false sense of security. Moving on from an apartment to a house certainly adds safeguards, yet it also puts a target on your possessions. 

The bottom line? Every homeowner is the envy of burglars. This is precisely why homeowners insurance from Walker and Associates Insurance Agencies Inc. is necessary.

Protection Beyond Theft

Theft is only one threat to homeowners. Property can also be damaged by natural disasters, faulty ceilings, visitors, and others risks. In some cases, property becomes lost and goes unaccounted for.

If any such situation happens to you, it is imperative that you have homeowners insurance. It can help you cover the potentially significant cost of replacing your possessions if they’re damaged in a flood, fire, or windstorm.

Your homeowners insurance can also cover your liability if your dog bites someone and they require extensive medical care. And in some cases, it can even cover temporary housing if your home becomes uninhabitable due to a covered event. Ask one of our agents to explain the details of any homeowners policy you’re considering so you understand what it does and doesn’t cover. 

Call Walker and Associates Insurance Agencies Inc.

Whether you own a home or are thinking of buying one, we’re on your side. Call us for a consultation and homeowners quote. We’re currently serving Fillmore, NY. 

Transitioning From Renters Insurance to Homeowners Insurance

Posted on by admin

If you are making the transition from an apartment to a house, mind your insurance. Regardless of where you live, your new investment faces various risks, from theft and vandalism to floods, fires, hail, and wind damage. If something goes wrong, you’ll need adequate insurance. And if you have a mortgage, your lender will require it. 

Homeowners Insurance To Protect Against Theft

Living in a house creates a false sense of security. Moving on from an apartment to a house certainly adds safeguards, yet it also puts a target on your possessions. 

The bottom line? Every homeowner is the envy of burglars. This is precisely why homeowners insurance from Walker and Associates Insurance Agencies Inc. is necessary.

Protection Beyond Theft

Theft is only one threat to homeowners. Property can also be damaged by natural disasters, faulty ceilings, visitors, and others risks. In some cases, property becomes lost and goes unaccounted for.

If any such situation happens to you, it is imperative that you have homeowners insurance. It can help you cover the potentially significant cost of replacing your possessions if they’re damaged in a flood, fire, or windstorm.

Your homeowners insurance can also cover your liability if your dog bites someone and they require extensive medical care. And in some cases, it can even cover temporary housing if your home becomes uninhabitable due to a covered event. Ask one of our agents to explain the details of any homeowners policy you’re considering so you understand what it does and doesn’t cover. 

Call Walker and Associates Insurance Agencies Inc.

Whether you own a home or are thinking of buying one, we’re on your side. Call us for a consultation and homeowners quote. We’re currently serving Fillmore, NY. 

Why Your College Student Should Have Renters Insurance

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If you have a college student in Fillmore, NY, you may have considered moving them to an on- or off-campus apartment. But what most parents don’t consider is a renters insurance policy to protect their student’s belongings. Walker and Associates Insurance Agencies Inc. can help you find the right policy for your college student. 

Dorm Coverage

Accidents can happen, as well as fires and other mishaps. Although your homeowners policy may extend spatial coverage to your student’s belongings, buying a renters policy may prove to be a wise investment. By doing so, you’ll get greater coverage for the following:

  • Items like laptops, electronics, and other personal belongings
  • Additional living expenses if their dorm becomes uninhabitable
  • High-value items like jewelry (with an add-on, or endorsement)

College campuses often experience higher rates of theft. A renter’s policy provides a low-cost way to protect against this risk.

Apartment Coverage

Many students move to an apartment in their sophomore, junior, or senior year. While this living arrangement may be cheaper, it also comes with risks. A landlord’s policy won’t protect your student from damages due to a fire, theft, or water damage. For those risks, you’ll have to pay out of pocket for any losses. Most likely, your homeowner’s coverage won’t extend to off-campus housing. However, the bigger risk is liability. If your student causes damage or is responsible for an accident, you’ll be responsible for legal and medical bills without renters insurance. Many off-campus landlords also require renters insurance before signing a lease.

Learn what renters insurance may apply to your student in Fillmore, NY. Contact the professionals at Walker and Associates Insurance Agencies Inc. to get started on a policy to meet your needs.

Why Motorhome Insurance is Key for Seasonal Travelers and Snowbirds

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For seasonal travelers and snowbirds, a motorhome represents freedom and adventure. At Walker and Associates Insurance Agencies Inc., serving Fillmore, NY, we understand that protecting your mobile home away from home requires specialized coverage that goes beyond standard auto insurance.

Comprehensive Protection for Your Motorhome

Standard auto insurance isn’t sufficient when your vehicle doubles as your temporary residence. Motorhome insurance offers comprehensive coverage for both the motorhome and its personal belongings. Whether you’re parked at a campground for weeks or months, this coverage protects against theft, weather damage, and accidents that could leave you stranded far from home. Specialized motorhome insurance ensures you can continue your travels even after unexpected setbacks.

Coverage for Extended Stays

Seasonal travelers face unique risks that standard policies often overlook. Motorhome insurance should include coverage for emergency expenses, such as temporary lodging, if your vehicle becomes uninhabitable during repairs. Additionally, many policies cover attached accessories, such as awnings, satellite dishes, and outdoor equipment, which are essential for comfortable extended stays.

Liability Coverage for Seasonal Living

When living in your motorhome seasonally, liability coverage becomes even more important. Hosting friends, using generators, or setting up temporary outdoor living spaces can create additional liability risks. Adequate liability protection safeguards your assets and ensures you’re prepared for any unforeseen incidents.

Secure Your Seasonal Adventures

Seasonal travel should be about enjoying new destinations and experiences, not worrying about inadequate insurance coverage. The right motorhome policy provides reassurance whether you’re escaping winter weather or following your favorite seasons across the country. Contact Walker and Associates Insurance Agencies Inc., serving Fillmore, NY, today to discuss comprehensive motorhome insurance that protects your seasonal travel lifestyle.

Coverage for Personal Belongings in an RV

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Owning an RV is undeniably exciting, but that excitement can quickly fade if something gets stolen from inside and you discover your RV insurance does not cover it. At Walker and Associates Insurance Agencies Inc., serving Fillmore, NY, we want you to know that while standard RV insurance is typically designed to protect the vehicle itself, the items inside often require additional coverage to ensure full protection.

What’s Generally Covered

Most RV policies include some level of personal property coverage, but limits can vary significantly. Everyday items like clothing, cookware, and some outdoor gear are often protected against risks such as theft, fire, or storm damage. However, higher-value belongings—such as laptops, cameras, or jewelry—may exceed standard coverage limits, meaning a supplemental policy or personal property endorsement might be necessary.

Considering Where You Travel

Since RVs are constantly on the move, they face greater exposure to accidents, weather, and theft. A well-chosen policy ensures your belongings are protected whether you’re parked at a campground, exploring cross-country, or storing your RV during the off-season. Insurance companies understand that your RV is built to travel, and your coverage should reflect that.

Choosing the Right Policy

When reviewing your insurance, take time to assess the personal property limits and explore the differences between replacement cost coverage and actual cash value. If you frequently haul electronics or expensive gear, consider adding endorsements or riders to ensure nothing is left underinsured.

Protecting the belongings inside your RV is just as important as protecting the RV itself. With the right coverage, you can travel confidently, knowing your personal property is secure no matter where the road takes you. Contact your insurance representative at Walker and Associates Insurance Agencies Inc., serving Fillmore, NY, to learn more about your options.

Are Passengers Protected by Your Motorcycle Insurance Policy?

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New York State law has strict regulations regarding passengers on motorcycles. Passengers must have designated seating and footrests for a safe and comfortable ride, and they are required to wear DOT-approved helmets. Despite these precautions, accidents involving passengers can still occur. The agents at Walker and Associates Insurance Agencies Inc. explain whether your motorcycle insurance covers passenger injuries.

Does Motorcycle Insurance Cover Passengers in Fillmore, NY?

Coverage for passenger injuries depends on who is at fault in the accident. If another driver caused the accident, that driver’s liability insurance would cover your passenger’s injuries. If the coverage is insufficient, the passenger may sue the driver or the driver’s insurance company for additional compensation.

If you caused the accident, your liability coverage will pay for injuries to the other party but not for your passenger. To cover your passenger’s injuries, you would need guest liability insurance or medical payments coverage, both of which are optional add-ons. Without these add-ons, your passengers’ only option may be to sue you or your insurance company for compensation.

It’s important to note that New York State is a no-fault state, and no-fault insurance is mandatory for motor vehicles. However, motorcycles are not classified as motor vehicles under this law and therefore cannot obtain no-fault insurance or use personal injury protection (PIP) coverage for passengers. Motorcycle insurance providers typically view PIP as coverage for injuries to pedestrians, not for injuries to the motorcycle rider. Additionally, New York law uses comparative negligence to determine fault, meaning a court can legally assign blame to you, the other driver, and even the passengers.

Are There Other Options to Cover Passenger Injuries in Fillmore, NY?

Your health insurance may cover injuries sustained in a motorcycle accident. Uninsured motorist coverage can provide compensation for injured passengers if the at-fault driver does not have insurance. Similarly, underinsured motorist coverage, which is an optional add-on, can cover passenger injuries if the at-fault driver’s insurance is insufficient to cover damages.

Let a Walker and Associates Insurance Agencies Inc. agent assess your passenger coverage options. Whether you’re purchasing your first motorcycle insurance policy or transferring an existing one, we’re here to help. Contact us today for more information on motorcycle insurance.

Do you need marine insurance when your boat is docked?

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There are many reasons why a boat may be docked, whether it’s a houseboat, a vessel stored for the off-season, or a boat placed in dry dock for maintenance and repairs. The type of insurance needed for a docked boat depends on several factors. For instance, a fully-furnished houseboat requires coverage for its contents, similar to insuring the furniture in your home. If a boat is taken out of the water and placed in dry dock, it’s important to update your insurance to reflect the new storage location.

Another consideration is exposure to severe weather. For example, you may choose to pull your boat out of the water during hurricane season. In this case, you’ll need adequate insurance coverage for moving your boat to a safer location. The best approach is to consult with your agent at Walker and Associates Insurance Agencies Inc. in Fillmore, NY, to discuss the details and ensure your boat insurance is up to date.

Marine insurance is essential for your boat, even when it’s docked. Some marinas require specific types of coverage, so it’s important to check their rules and regulations to remain compliant. If you plan to transport your boat on a trailer, make sure your insurance covers the time it’s out of the water, on the road, and back in the water at all the locations you plan to use it.

Always inform your insurance agent at Walker and Associates Insurance Agencies Inc. in Fillmore, NY, about any significant changes to your boat. Contact us today to update your marine insurance policy and get a quote.

Why Young Homeowners Should Consider Umbrella Insurance

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Buying your first home is a significant milestone, filled with pride and responsibility. As a young homeowner in Fillmore, NY, you might already have homeowners insurance in place, but have you considered what happens if that coverage isn’t enough? At Walker and Associates Insurance Agencies Inc., we often recommend umbrella insurance as a smart next step. Here’s why.

Accidents Happen, Even at Home

Imagine someone gets injured on your property, or your dog unexpectedly bites a visitor. Your standard homeowners policy will cover liability up to a certain limit, but what happens if the costs exceed that? Medical bills and legal fees can accumulate quickly, and that’s where umbrella insurance comes in. It extends your liability coverage and helps protect your finances from major claims.

It’s Not Just for the Wealthy

A common misconception is that umbrella insurance is only for the ultra-wealthy. In reality, it’s a practical and affordable option for everyday homeowners, especially younger ones who are still building financial stability. If a lawsuit ever comes your way, umbrella insurance can prevent you from dipping into savings or going into debt.

Security Is Priceless

As a new homeowner, you’re laying the foundation for your future. Umbrella insurance acts as a safety net, providing you with additional security so you can focus on enjoying your home, not worrying about "what if" scenarios.

At Walker and Associates Insurance Agencies Inc. in Fillmore, NY, we’re here to help young homeowners like you make confident, informed decisions. Reach out to our team today and let’s discuss how an umbrella policy can fit into your overall protection plan.

Protecting Your High-End Electronics and Smart Appliances With Home Insurance

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Living in Fillmore, NY, without electronics is virtually unthinkable. Tablets, computers, and large televisions are standard, but more and more people are now owning smart appliances like refrigerators, dishwashers, and more, all connected to their electronics. As the value of these items continues to rise, you might start to question whether your homeowner’s insurance will cover them if they are lost or destroyed. Walker and Associates Insurance Agencies Inc. can assist in determining which items may require additional coverage.

Standard Homeowner’s Insurance covers Most Risks

If your cell phone or tablet is lost, a burglar steals your large flat-screen television, or your washer and dryer are destroyed in a fire, your homeowner’s insurance will cover these items, minus your stated deductible. However, your policy won’t cover breakage from standard wear and tear. Some consumers opt for extended warranties on these items to protect against potential defects. Much like extended auto warranties, you’ll need to decide whether the additional cost is justified.

What About High-End Built-In Appliances?

More and more homeowners are enhancing their kitchens with high-end appliances from brands like Viking, which can cost thousands of dollars. Many of these items come with innovative features that control operation. It’s important to read your homeowner’s policy to determine if it covers these items. For instance, dwelling coverage will compensate for any damage or loss if your stove and oven are built into your home’s structure. But what about a free-standing wine refrigeration system or a home theater? In this case, it’s best to review your current homeowner’s policy. Standard policies may only cover the value of builder’s grade items for some features.

Some high-end items may necessitate a rider or special coverage. The professionals at Walker and Associates Insurance Agencies, Inc., serving Fillmore, NY, can help you protect these items best. Contact us today to schedule an appointment.