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.
Home Insurance FAQs
What is the difference between homeowners insurance and a home warranty?
Homeowners insurance helps protect your home and belongings from covered events like fire, wind, or theft. A home warranty is a separate service contract that may help pay for repairs or replacement of certain home systems and appliances due to normal wear and tear.
Does homeowners insurance cover burst pipes?
Homeowners insurance typically covers damage caused by a burst pipe if the pipe breaks suddenly and accidentally. However, damage caused by poor maintenance or neglect may not be covered. If you have questions about your coverage in Columbus, Nebraska, our team is happy to help.
What is loss of use coverage?
Loss of use coverage helps pay for temporary living expenses if your home becomes uninhabitable due to a covered loss. This may include hotel stays, restaurant meals, and other necessary expenses while your home is being repaired.
Do I need homeowners insurance if my home is paid off?
Even if you’ve paid off your mortgage, homeowners insurance is still an important way to protect your investment. Without coverage, you could be responsible for paying out of pocket to repair or rebuild your home after a covered loss.
Does homeowners insurance cover valuable items?
Most homeowners insurance policies provide coverage for valuables such as jewelry, watches, firearms, and collectibles, but these items often have specific coverage limits. Homeowners in Columbus, Nebraska, with high-value belongings may want to consider additional coverage to better protect those items.
What should I do before filing a homeowners insurance claim?
If it’s safe to do so, document the damage with photos or videos and take reasonable steps to prevent additional damage. Keeping receipts and detailed records can also help make the claims process smoother.
Does homeowners insurance cover damage from frozen pipes?
In many cases, homeowners insurance covers damage caused by frozen pipes if you’ve taken reasonable steps to maintain heat in your home and prevent the pipes from freezing. Coverage may not apply if the damage resulted from neglect or failure to properly maintain the property.
Can I customize my homeowners insurance policy?
Yes. Many insurance companies offer optional endorsements that allow you to customize your homeowners insurance policy based on your needs. If you live in Columbus, Nebraska, we can help you explore available coverage options and recommend endorsements that fit your home and lifestyle.
How long does it take to get homeowners insurance?
Many homeowners insurance policies can be issued quickly once the necessary information about your home has been provided. If you’re purchasing a home in Columbus, Nebraska, our agency can help you secure coverage before your closing date.
Why should I work with an independent insurance agency?
An independent insurance agency can compare homeowners insurance options from multiple insurance companies instead of representing just one carrier. That means you have access to more choices and personalized recommendations to help you find coverage that fits your needs and budget.
Does homeowners insurance cover power surge damage?
Homeowners insurance may help cover damage to your home’s electrical system or personal belongings if the damage is caused by a covered power surge, such as one resulting from a lightning strike. Coverage depends on the cause of the surge and the details of your policy.
Renters Insurance
Do you rent an apartment, condo, or home?
Many landlords require their tenants to purchase renters insurance. This policy will protect you from a loss of property due to theft or damage and protect you if an accident occurs in your residence. Renters insurance provides coverage for your personal belongings as your landlord is only responsible for the dwelling/building.
Condo Insurance
Condo insurance is different than homeowners insurance. The condominium master policy covers the structure. However, the master policy may not provide for all of the necessary coverage. With any of the above policies, condominium or renters, we can provide the HO 0490 Personal Property Replacement Cost endorsement. This valuable endorsement would replace your contents without depreciation, allowing you to replace your old items with new. Contact Us for all your renters or condo insurance needs.
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.