Home Insurance
We recognize the importance of protecting your home with dependable homeowners insurance. We are dedicated to helping you each and every step of the way to find quality home insurance solutions. In order to do so, it is important that we take the time to accurately review your individual insurance needs.
Typical coverage packages for homeowners insurance could include protection for the following:
- The physical structure of your home
- Replacement cost
- Personal possessions
- Additional living expenses (in the event of covered loss or a natural disaster)
- Personal Liability
Additional coverage options may include:
- Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance)
- Flood Insurance policies
- Earthquake insurance policies
- Umbrella Insurance policies (additional liability)
- Animal Liability (liability issues due to household pets)
We aim to create custom homeowners insurance packages that reflect the distinct needs of you, your family, and your home.
Umbrella Insurance
You already understand the importance of quality insurance coverage. Your home and vehicles are well protected. You may even have life insurance or additional coverage for your motorcycle or camper.
Umbrella Insurance can fill those gaps in coverage so you can stress less and live more. This type of coverage pays the difference between a liability claim against you and what your insurance pays. Umbrella insurance comes in to help when you may need it most.
Contact our team today and let us provide an extra layer of security with a reliable Umbrella Insurance policy.
Flood Insurance
Waterproof your most valuable assets. The damage caused by floodwaters can ruin your home, your valuables, and your sense of security. The outcome can also lead to devastating financial loss. It is always a good time to consider how you will protect your home in the event flooding occurs.
Don’t make the mistake of thinking Federal Disaster Relief is a guarantee. Many homeowners painfully wait to hear if they will receive any help from the U.S. government. This type of assistance is only made available if the event is declared a disaster by the President. The financial aid provided is often a loan that requires repayment. If your home is flooded and assistance is not available, you will be responsible for the damage costs.
A good flood insurance policy can help cover claims even when a disaster is not declared. Your financial losses can be reimbursed and this does not require repayment.
It’s never too early to purchase coverage. Do not wait until there is a risk of flood. A policy will not take effect immediately after purchase.
1. What should I look for in a homeowners insurance policy?
When choosing a homeowners insurance policy, it’s important to consider your coverage limits, deductible, liability protection, and any optional endorsements you may need. If you’re shopping for homeowners insurance in Imperial, Nebraska, our team can help you compare your options and find coverage that fits your needs.
2. Does homeowners insurance cover wind damage?
Many homeowners insurance policies cover wind damage caused by storms or severe weather. Coverage and deductibles can vary depending on your policy and where you live, so it’s a good idea to review your coverage before a storm occurs.
3. Can I update my homeowners insurance after making improvements?
Yes. If you’ve remodeled your home, added a room, or completed other major improvements, it’s important to update your homeowners insurance. These changes may increase your home’s rebuilding cost and affect the amount of coverage you need.
4. Does homeowners insurance cover kitchen appliances?
Many homeowners insurance policies cover built-in appliances if they’re damaged by a covered loss, such as a fire or windstorm. Other household appliances may also be covered under your personal property coverage, depending on your policy.
5. Does homeowners insurance cover food spoilage after a power outage?
Some homeowners insurance policies may help cover the cost of spoiled food if a covered power outage causes your refrigerator or freezer to stop working. Coverage varies by policy and the cause of the outage.
6. Does homeowners insurance cover my roof?
In many cases, homeowners insurance helps cover roof damage caused by covered perils like hail, wind, or falling trees. Damage caused by age, wear and tear, or lack of maintenance is generally not covered.
7. How can I make sure my home is properly insured?
Reviewing your policy regularly is one of the best ways to make sure your coverage keeps up with changes to your home and lifestyle. If you’re unsure whether your current policy provides enough protection, we’re happy to help you review your coverage.
8. What is ordinance or law coverage?
Ordinance or law coverage may help pay for the additional cost of repairing or rebuilding your home to meet current building codes after a covered loss. Without this coverage, you could be responsible for certain upgrade costs required by local building regulations.
9. Can I insure a newly built home?
Yes. Newly constructed homes should be insured as soon as you take ownership. A homeowners insurance policy can help protect your new home from covered losses, just like an existing home.
10. What if I have questions about my homeowners insurance?
Insurance can sometimes be confusing, especially when it comes to understanding coverage limits and exclusions. If you live in Imperial, Nebraska, our team is here to answer your questions and help you feel confident about your homeowners insurance coverage.