Three challenges you may face when you buy umbrella insurance

Umbrella insurance can offer comprehensive protection to consumers in Fillmore, NY. However, navigating its complexities can be daunting. Fortunately, we’re here to help at Walker and Associates Insurance Agencies Inc. 

The following are three challenges that we can help you with when you buy umbrella insurance:

Thoroughly understanding the terms of your umbrella insurance policy

Understanding the terms of an umbrella insurance policy is essential for informed decision-making.

Consumers need to take the time to carefully read through their policy so that they fully understand it and won’t face any unpleasant surprises about their coverage down the road. 

Deciding how much umbrella insurance coverage to buy

Choosing the right amount of umbrella insurance coverage demands thoughtful consideration. Assess your assets, potential risks, and existing liability coverage.

Investing in enough umbrella insurance coverage ensures that you’re adequately protected in the face of unexpected events. Your umbrella insurance policy should ensure your financial well-being and provide you with peace of mind.

Being eligible for umbrella insurance coverage

Meeting the eligibility criteria for umbrella insurance is essential. Some consumers don’t realize that there are eligibility requirements for umbrella insurance until they start looking for coverage.

An umbrella insurance policy typically has primary liability coverage requirements that you need to meet with your home and auto insurance policies. You also need to meet these requirements with any other primary liability coverage policy that you carry. 

When you are shopping for umbrella insurance, you should have the details of your primary liability policies handy so that you can make sure that you are eligible for umbrella coverage. 

Consult With Us

Let us help you secure your financial future in Fillmore, NY with our umbrella insurance coverage at Walker and Associates Insurance Agencies Inc. Don’t wait—get a quote now so that you’re confident that you have all the coverage you need.

How Home Insurance Protects Your Home from Common Risks

Home insurance protects your home and personal belongings in the event of a covered risk. These perils can be included in the main policy, added in an addendum, or covered under an “all perils” policy. The agents at Walker and Associates Insurance Agencies Inc. are ready to review your existing coverage to help you understand any potential gaps. If you just bought a home or want to explore your options, we’d love to present additional choices for home insurance in Fillmore, NY.

What Is a Peril?

Peril is an insurance term that means risk or danger. Typically, it’s used to describe losses covered by your home insurance. This may include water damage, theft, fire, and weather events. Although every policy varies, you can also include living expenses, liability, and other coverage options.

In some cases, home insurance includes all perils except those excluded from the policy. Therefore, it’s crucial to understand the type of policy you have, what’s covered, and what’s not. If you live in an area vulnerable to windstorms, vandalism, or theft, for example, your agent might recommend additional coverage. If you have a home loan, your mortgage lender may require specific coverage as well.

The Specifics: Check Your Policy for This Coverage

Dwelling coverage is the heart of your policy and includes the house and attached structures, such as a garage. Meanwhile, other structures insurance handles damage to fences, sheds, and structures not attached to your dwelling.

Most homeowners’ policies reimburse you for losses associated with personal property, such as clothing, electronics, and furniture. Loss of use coverage pays for some expenses if you need home repairs.

Personal liability insurance protects you from legal claims involving damage or injuries suffered by others on your property. Medical payments insurance protects you from financial losses if someone who doesn’t live with you gets hurt on your property. Usually, it also covers injuries caused by your pets.

Talk to your agent regarding the potential risks versus the costs of additional home insurance. For example, flood, earthquake, and sewer backup policies pay for specific damages to your home.

We Can Help!

Contact Walker and Associates Insurance Agencies Inc. today to set up an appointment for a free home insurance quote in Fillmore, NY.

What does renters insurance cover?

Renters insurance is a type of insurance designed to provide protection for those who rent their homes here in the Fillmore, NY area. It provides coverage for personal belongings, liability, and additional living expenses if your rental is damaged or destroyed.

What does renters insurance cover?

Renters insurance from Walker and Associates Insurance Agencies Inc. typically covers losses due to fire, lightning, windstorms, hail, explosions, and smoke damage. It also typically covers vandalism or theft of personal property that occurs on the premises. In addition, some policies will cover additional living expenses if you are forced to move out of your rental due to an insured incident such as a fire or flood. 

One of the major benefits of renters insurance is that it provides liability coverage. This means that if someone sustains an injury while on your property, you are protected from having to pay out-of-pocket for medical bills or other related costs associated with the accident. 

Renters insurance is an important form of protection for anyone who rents their home as it provides coverage for personal belongings, liability, and additional living expenses in the event your rental is damaged or destroyed due to an insured incident such as a fire or flood. By having renters insurance in place, you can have peace of mind knowing that you’re covered in case something happens on your property.

We Are Here To Help

For more information, give us at Walker and Associates Insurance Agencies Inc. a call today. We are proud to serve the Fillmore, NY area and would be happy to help you find a renters insurance policy that meets both your needs and your budget. You will sleep better knowing that you are protected.

Motor Home Insurance for First-Time RVers

If you are a first-time RV owner, then you might be stressing yourself over motor home insurance. It’s certainly important to have the right insurance coverage to protect your investment and give you peace of mind on the road, and Walker and Associates Insurance Agencies Inc, serving the greater Fillmore, NY area, is here to help. We offer a range of motor home insurance policies for first-time RV owners to choose from. 

When it comes to motor home insurance, there are a few things to keep in mind:

First, you’ll need liability coverage, which is required by law in most states. Liability coverage will protect you if you cause an accident while driving your RV. This coverage can also help cover the costs of any damage or injuries that you may cause to other drivers or their property. 

In addition to liability coverage, you may also want to consider comprehensive and collision coverage for your RV. Comprehensive coverage can help protect your RV against non-accident-related damage, such as theft or weather-related damage. This is very important for those who plan on doing a bit of adventuring with their RV, such as camping. Collision coverage can help cover the costs of repairs if you get into an accident with your RV. 

Another important factor to consider when it comes to motor home insurance is the value of your RV. If you have a brand new RV, you’ll want to make sure you have enough coverage to replace it if it’s ever totaled. On the other hand, if you have an older RV, a policy that provides actual cash value coverage may be a wiser option.

When shopping for motor home insurance, it’s important to work with an experienced insurance agent who can help you find the right coverage for your needs. Walker and Associates Insurance Agencies Inc in Fillmore, NY has been providing insurance solutions for RV owners for many years and can help you find the ideal insurance policy to protect your investment. 

We Are Here To Help!

Motor home insurance is an important investment for first-time RV owners. Whether you’re planning a cross-country road trip or just a weekend getaway, having the right insurance coverage can give you peace of mind on the road and real protection from unfortunate happenstance. We offer motor home insurance for first-time RV owners and can help you find the right policy to suit your needs. 

What is the main benefit of having RV insurance in New York?

If you are in the Fillmore, NY area and want to explore as much of the state as possible, having your own RV is a great option. New York is a vast area, and it has all forms of attractions including big cities, waterfalls, mountains, and many lakes and camping spots. When you have an RV, you will be able to get around efficiently and enjoy it all. Along with your RV, it is also important that you get insurance. There are a lot of benefits that come with having RV insurance coverage here. 

Financial Support

A primary benefit of having an RV insurance plan here is that it can provide you with financial support. If you are driving a RV, there is a chance an accident could be caused, and your RV plan will provide coverage to pay for damages. The insurance plan will also cover your RV if it is stolen or damaged. 

Comply with Requirement

It is also beneficial to have RV insurance as it will ensure you can comply with requirements. If you are going to own and drive an RV, you will likely need to have insurance as it is required by state law. Further, if you have used a loan to buy the RV, you will need to have a full comprehensive insurance plan. 

Reach Out To Us

Having an RV insurance plan is a great option for those living in the Fillmore, NY area. When you are in this part of the state, it would be a great idea to call our team with Walker and Associates Insurance Agencies Inc. As you are looking for this coverage, our professionals with Walker and Associates Insurance Agencies Inc. can help you evaluate your needs and build the right plan for your situation. 

The Importance of Wearing a Helmet While Riding a Motorcycle

A person who rides a motorcycle without the proper headgear is taking a significant risk with their life. Because a motorcycle is not enclosed, you are more likely to be thrown in the event of a collision or other type of accident. In the event of an accident, there are no seatbelts or surrounding metal to protect you. Walker and Associates Insurance Agencies Inc. is here to assist Fillmore, NY bikers with not just motorcycle coverage but related safety advice. 

It is critical to recognize that no matter how cautious a rider you are, there are other drivers on the road who may not be as cautious and whose careless actions put motorcycle riders in danger when sharing the roads.  Wearing a helmet is also a good idea if you want to save money on insurance or medical bills in the event of an accident. Motorcycle riders who do not wear helmets will incur higher healthcare costs if they are involved in an accident because their injuries are more likely to be severe.

Wear a Helmet Everywhere You Go

Some riders will not hesitate to put on their helmets before hitting the road; they will simply do so. However, those same bikers may not consider a helmet necessary when simply riding down the street, to a neighbor’s house, or on their own property.

The problem with this way of thinking is that other drivers and vehicles are not the only dangers to motorcycle riders. Obstructions in the road, such as small rocks, can cause the biker to lose control and crash onto the pavement. When this happens, a fragile head is likely to collide with the pavement—and a helmet can prevent serious injury.

Give Us A Call

For more motorcycle safety tips, call Walker and Associates Insurance Agencies Inc. today. We proudly serve the Fillmore, NY area. Our highly skilled agents can answer any questions you have about motorcycle safety and the best insurance policy for your needs to help cover you while you’re on the road.

Four misconceptions about boat insurance

Boaters should be insured to enjoy the financial protection that insurance coverage offers. Boat owners in Fillmore, NY can purchase insurance coverage from Walker and Associates Insurance Agencies Inc.

The following are four misconceptions you should be aware of regarding boat insurance. 

You should always buy boat insurance from the same company that insures your vehicle. 

In some cases, you may be able to get a bundling discount on boat insurance when you buy a policy from the same company that sold you your vehicle insurance. However, this is not always the case.

Be sure to shop around before assuming that your current insurance provider will give you the best possible price on boat insurance. 

No one really needs boat insurance.

It’s true that boat insurance is not required according to New York law. However, that doesn’t mean that no one needs it. Some boat owners are required to carry insurance by their boat loan lender or by their marina. 

Boat insurance is an expensive type of insurance coverage.

Boat owners will be happy to know that boat insurance doesn’t usually cost more on average than home insurance policies or vehicle insurance policies. 

You can enjoy coverage anywhere you go boating.

Make sure you discuss the navigational areas in which you plan to go boating and need your policy to be in effect.

Boat insurance policies specify areas where the policyholder can go boating and still enjoy coverage. You cannot assume that you’ll be covered everywhere you want to go according to your policy. 

Give Us A Call

Are you in the market for boat insurance in Fillmore, NY? We can help at Walker and Associates Insurance Agencies Inc. Contact us to get a quote on a boat insurance policy. 

What is Commercial Umbrella Insurance and Why Does My Business Need It?

As a business owner in Fillmore, NY, you understand the importance of protecting your business from financial losses due to unforeseen events. While your standard insurance policies may provide coverage for these risks, there are certain scenarios that may still leave you unprotected. Walker and Associates Insurance Agencies Inc. is here to assist with all your queries.

What is Commercial Umbrella Insurance? 

Commercial umbrella insurance provides additional liability protection above limits included in your standard policies such as general liability, automotive liability, employer liability, and so on. It kicks in when the costs associated with a claim exceed the limits of those policies. For example, suppose you have a general liability policy with a limit of $1 million but the costs associated with the claim exceed that limit. In that case, commercial umbrella insurance will cover any expenses beyond that amount up to its limits. 

Why Does My Business Need Commercial Umbrella Insurance? 

Umbrella insurance gives you peace of mind knowing that you have extra protection if an unexpected event should occur. The additional coverage provided by this type of policy can help protect both your business and personal assets from large losses due to claims or lawsuits. 

Having umbrella insurance also helps protect your company’s reputation by ensuring that all claims are handled appropriately and quickly without any financial strain on the company itself. Furthermore, many customers require businesses to carry this type of coverage before signing contracts — so having it can be beneficial in terms of securing new business opportunities in Fillmore, NY as well.  

Get The Right Coverage For Your Needs

Contact Walker and Associates Insurance Agencies Inc. – speak with one of our agents today! We’ll be happy to assess your needs and provide guidance on how best to protect yourself with commercial umbrella insurance!

Things home insurance won’t cover

Home insurance allows you to sleep at night. Otherwise, worrying about all the bad things that could happen might keep you awake. In spite of all the things it does cover, home insurance does have exclusions, so you are not quite as safe as you may think. At Walker and Associates Insurance Agencies Inc. in Fillmore, NY, we try to make sure all of our customers have the right home coverage and are aware of the exclusions. 

Home Insurance Exclusions


If your house is overrun with rodents or being eaten by termites, it can be overwhelming. It is also not covered by your home insurance. This is one of those things that you need to treat before it does any damage. You must maintain your home and get termite treatment, and an exterminator is part of your responsibility as a homeowner to maintain your home. 


Floods have become a more common occurrence as the climate has been changing. Places that have never seen a flood before have been flooded. The danger is real, and the damage can be devastating. Unfortunately, home insurance won’t cover flood damage to the house or to the content.  If you want to have coverage, you can get it from flood insurance through the NFIP. 

Earth movement

When the earth moves underfoot, whether it is an earthquake, a sinkhole, a mudslide, or a landslide, it isn’t covered by home insurance. You can get an additional policy to take care of these issues. Be sure to ask your insurance agent about it. 

Wear and tear

Home insurance is not designed to cover the normal wear and tear that happens to homes. Things like roofs getting old and furnaces dying. These are things, as a homeowner, you need to budget for because they will happen. 

Give Us A Call

Contact Walker and Associates Insurance Agencies Inc. in Fillmore, NY when you are in the market for home insurance. 

Can Unmarried Partners Share a Renters Insurance Policy?

If you are renting a home, apartment, condo, or duplex, it is important that you carry renters insurance. Renters insurance can help to cover your property, in case an event such as a fire or flood damages the home you are renting, and, in turn, damages your belongings. Renters insurance also helps to prevent you from losses in cases of accidentally damaging the property, such as leaving a candle on and starting a fire.

Here at Walker and Associates Insurance Agencies Inc., serving the greater Fillmore, NY area, one of the questions that we are often asked is whether unmarried or unrelated renters, such as partners or roommates, can share a policy. Consult with us to learn more about this important insurance coverage. 

Can Unmarried or Unrelated Individuals Share a Renters Insurance Policy? 

Yes. Anyone who is listed on the lease for a home, apartment, or other types of residential property can share a renters insurance policy. The key to sharing property lies in not being related but in being on the lease. Only individuals who are listed on the lease can be covered. 

What Should You Consider When Sharing a Policy? 

While you can share a policy, many insurance agencies recommend obtaining your own policy. If you are sharing a policy, you have no control over the policy limits or whether the policy is canceled for late payment. When you obtain your own policy, you control all aspects of the policy, helping to control your own coverage limits and payments. 

Contact Us Today

If you are renting a space in the greater Fillmore, NY area, our insurance experts at Walker and Associates Insurance Agencies Inc. would love to answer any questions you may have about renters insurance and help you to get the right coverage. Contact us for an estimate or obtain a policy from us for all your insurance needs.