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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.

Can I Share My Renters Insurance Policy With My Roommates?

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If you rent in the Fillmore, NY, area or other parts of the state, you likely have roommates to help offset the cost of living. When renting property, one of the best things you can do is protect yourself with renters’ insurance. There are several questions about renters’ insurance and whether it can be shared.

Can I Share my Renter’s Insurance Policy with my Roommates?

It’s important to know that personal property is central to a renters’ insurance policy. Being able to replace any damaged property or have it repaired in the event of a disaster is the reason for getting this policy. It’s also great for covering damage expenses related to a liability case. Since you and your roommate(s) have separate property that belongs to each of you, it’s a good idea for everyone to have their own renter’s insurance policy.

What is Considered Personal Property?

Knowing what these policies cover will help you make the right decision. Your personal property will consist of the following:

  • Clothing
  • Appliances
  • Exercise equipment
  • Recreational equipment
  • Valuable collections

These are some of the most common types of personal property outlined on a renter’s insurance policy. When you build your policy with your agent, it’s important that you give them a value for each of these things and have them listed on the policy.

You will not be able to claim any property that isn’t listed on the policy and cannot be proven. If there are items that you share with your roommates as a joint purchase, you will want to speak with the agent to see how to divide that property best so that you’re adequately covered.

If you’re looking to purchase renter’s insurance in or around the Fillmore, NY area, contact our team at Walker and Associates Insurance Agencies Inc. today for more information.

Recreational versus Full-Time Motorhome Insurance

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Motorhome owners come in all shapes and sizes, as do their motorhomes. Protecting your investment is important regardless of the type or size of your motorhome or how you use it. That’s why motorhome owners in the Fillmore, NY area rely on the friendly and professional team at Walker and Associates Insurance Agencies Inc. for all their motorhome insurance needs. The real question isn’t about the need for insurance but about getting the proper insurance to protect you and your motorhome.

Recreational Vs. Full-Time Motorhome Insurance

Some people choose to downsize and travel the country in their motorhomes upon retirement. Others do so to see the country before settling and starting a family. Many use their motorhomes for summer vacation plans, impromptu getaways, or occasional road trips.

While it doesn’t matter how you use your motorhome or what type of motorhome you have, those factors will make a difference in choosing the right motorhome insurance. That’s why working with a reputable and experienced agent who can help is a good idea. Do you need full-time motorhome insurance that offers more comprehensive protection and greater coverage for your possessions? Or would a less comprehensive but more affordable plan, like recreational motorhome insurance, work best for your needs?

Motorhome Insurance Solutions for Fillmore, NY Area Motorhome Owners

If you live in the Fillmore, NY area and have questions about motorhome insurance, we can help. Contact us to learn more and schedule an appointment today for the motorhome insurance solutions you need and deserve at Walker and Associates Insurance Agencies Inc.

Does RV Insurance Cover Drivers Aside From Yourself?

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Owning an RV is all about freedom and adventure, but it also includes responsibilities like ensuring adequate insurance. Many RV owners ask whether their insurance policy covers other drivers. At Walker and Associates Insurance Agencies Inc. in Fillmore, NY, we frequently help RV owners understand how their coverage works, including who can confidently take the wheel.

Permissive Use: What It Means for RV Insurance

In many cases, RV insurance policies include "permissive use." This means that if you permit someone to drive your RV, they’re typically covered under your policy. However, reading the fine print is important because not all policies are created equal. Some may only provide limited coverage for other drivers or exclude certain individuals, like those with a poor driving record.

Named Drivers vs. Occasional Drivers

Some RV insurance policies require you to list all potential drivers on the policy. These "named drivers" are fully covered, but anyone not listed may not be. On the other hand, occasional drivers—like a trusted family member or friend borrowing your RV for a short trip—might still be covered under permissive use. Always clarify with your insurance provider to avoid surprises.

Protecting Yourself and Your RV

It’s important to remember that lending your RV comes with risks. If the person you allow to drive gets into an accident, it could still affect your insurance rates. To protect yourself, ensure the driver is licensed, experienced, and aware of the RV’s unique handling.

At Walker and Associates Insurance Agencies Inc. in Fillmore, NY, we’re here to answer your RV insurance questions and help you find the right policy. Contact us today and hit the road with peace of mind!

How Different Types of Motorcycles Impact Insurance

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Owning a motorcycle is more than just a means of transportation—it’s a lifestyle. At Walker and Associates Insurance Agencies Inc. in Fillmore, NY, we understand that every rider has their own style and preference when it comes to motorcycles. But did you know the type of bike you ride can affect your insurance? Let’s explore how cruisers, sportbikes, and choppers impact your coverage.

Cruisers: The Classic and Reliable Choice

Cruisers, like Harley-Davidsons, are known for their laid-back design and solid build. These bikes are typically favored by riders who enjoy long, relaxed journeys. From an insurance perspective, cruisers are generally considered lower-risk. They aren’t designed for high speeds, and their riders tend to be more experienced, leading to fewer accidents. This often translates to lower premiums.

Sportbikes: The Need for Speed and Risk

Sportbikes, such as those made by Yamaha or Kawasaki, are built for speed and agility. While these bikes are thrilling to ride, they are often associated with higher risks. Their lightweight frames and powerful engines make them more prone to accidents, which can drive insurance premiums higher. If you own a sportbike, insurers will likely consider the increased risk when calculating your rates.

Choppers: Customized and Unique

Choppers are custom-built bikes that stand out from the crowd. Their unique designs can be a point of pride for their owners, but from an insurance perspective, they present challenges. Replacement parts for choppers can be expensive and hard to find, which can push premiums up.

Securing the Right Insurance Coverage in Fillmore

At Walker and Associates Insurance Agencies Inc. in Fillmore, NY, we specialize in helping motorcyclists find the right coverage for their unique rides. Contact us today to protect your bike and your passion for the open road!

Protect Yourself on Water and Land With Boat Insurance

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When you own a boat, some dangers exist both on land and the water. With the right boat insurance policy, you can be protected against both. It’s essential always to have boat insurance to protect yourself financially. If you own a boat and don’t have boat insurance, it’s essential to act now. Call us at Walker and Associates Insurance Agencies Inc. in Fillmore, NY.

Protection of the Water

Many things can happen to your boat while you’re out on the water. Many boating accidents occur every year, and these can be financially devastating. When a boating accident happens, you aren’t just responsible for your own expenses for repairs and lost personal items. You may also be liable for the other party’s expenses. This can include their medical bills as well as the damage to their boat. To stay protected against these risks, you need both property damage liability and bodily injury liability coverage. These are vital to have in your boat insurance policy to keep you financially safer on the water.

Protection on Land

Another type of boat coverage you can get in your policy is comprehensive coverage. This type protects the boat against its many dangers while on the land. Several things can happen to a boat when it’s being transported or sitting at your home. With this coverage, you no longer have to worry about these risks.

Get Boat Insurance Today

If you’re buying a boat or already have one, you need to have a boat insurance policy in place right away. Never go without this insurance, which offers so many types of protection. Call us at Walker and Associates Insurance Agencies Inc. in Fillmore, NY to learn more.

Real-Life Scenarios: When Umbrella Insurance Saved the Day

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Life can throw unexpected challenges your way. Having the right insurance can make all the difference. At Walker and Associates Insurance Agencies Inc. in Fillmore, NY, we have seen firsthand how umbrella insurance steps in when things take a turn for the worse.

Umbrella Insurance: A Safety Net for Unexpected Events

Imagine hosting a family reunion. The day is perfect until someone slips on your deck and suffers a serious injury. Your homeowner’s insurance covers some costs, but medical bills and potential legal fees quickly exceed those limits. This is where umbrella insurance shines. It covers the additional expenses, providing peace of mind.

Consider a scenario where you’re on vacation, and your teenager accidentally damages a priceless artifact in a museum. Your standard policy might not cover such incidents abroad. Umbrella insurance extends your protection, covering the costs and allowing you to enjoy your trip without financial worry.

In today’s digital age, a simple social media post can lead to unexpected legal troubles. If a comment is perceived as defamatory, you could face a lawsuit. Umbrella insurance offers coverage that extends beyond typical limits, safeguarding against high legal fees and settlements.

The Benefits of Umbrella Insurance

Umbrella insurance acts as an extra layer of protection, stepping in when other policies reach their limits. It’s designed for those unpredictable moments that could otherwise lead to financial strain.

Ready to Get a Quote or Have Any Questions?

At Walker and Associates Insurance Agencies Inc., we understand Fillmore, NY residents’ unique needs. Our team is here to help you explore the benefits of umbrella insurance and ensure you’re fully protected. Reach out to us today to learn more about how we can safeguard your future.