Author: agentinsure

Why Doesn’t Home Insurance Cover Terrorist Damage?

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Today, many standard policies have an exclusion for acts of terror, which includes any damage caused by a terrorist. Home insurance in Lincoln, NE may not cover damage if it’s considered an act of terror. As more protestors are labeled terrorists, it’s important to understand how this works. 

Policy Exclusions

Specific exclusions vary by company. Some companies exclude any damage considered an act of terror, which may apply to riots or protests. Others exclude terrorist damage if it exceeds a certain amount. Speak with an agent at Brokers Insurance Agency to learn more about your policy. 

Why Do They Exclude Terrorist Damage?

Damage from terrorists can happen on a massive scale. It can topple entire city blocks. This level of damage runs counter to the risk models insurance companies rely on to stay in business. As a result, a single company could go bankrupt from the payouts. This would ultimately lead to them not having enough money to pay people with a policy for the damages, leaving businesses and homeowners in a tough spot. 

Secondary Damage

While some policies won’t cover direct damage, such as a bomb, many will cover secondary damage, such as fire or smoke damage. Many will also include damage from protesters under vandalism, even if these people are labeled terrorists on television. So, a policy may not cover damage if a bomb hits your house, but you’re probably covered for other events. 

It’s always important to speak with an agent here at Brokers Insurance Agency to learn more. Our experienced representatives can help you understand your policy’s fine print. Contact us today. We’re currently serving the Lincoln, NE area. 

Does RV Insurance Cover Multiple Drivers?

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If you share your recreational vehicle with family members or friends, you may wonder whether everyone who drives it needs to be listed on your RV insurance policy. In many cases, RV insurance can cover multiple drivers, but the exact rules depend on your insurance company, policy, and the people who will be driving the RV. Understanding how your policy handles additional drivers can help you avoid coverage surprises.

1. Your Policy May Cover More Than One Driver

RV insurance generally isn’t limited to a single person behind the wheel. If your spouse, partner, or another household member regularly drives your RV, you may be able to add them to your policy as a listed driver. It’s important to tell your insurance company who will be driving the RV rather than assuming anyone can automatically use it. Insurers may consider factors such as each driver’s age, driving history, and experience when determining eligibility and premiums.

2. Occasional Drivers May be Covered, But Check Your Policy

Many RV insurance policies provide some coverage when you allow someone else to drive your RV. However, coverage for occasional or permissive drivers can vary depending on the policy and circumstances. 

For example, allowing a friend to drive your RV during a road trip may be treated differently from allowing someone to use it regularly. If another person will frequently drive the RV, it’s generally better to discuss the situation with your insurance agent and determine whether that person should be formally added to the policy.

3. The Driver Isn’t the Only Thing That Matters

When you insure an RV, your policy isn’t just about who is behind the wheel. Depending on your coverage, RV insurance may help protect the vehicle itself, personal belongings inside it, and you from certain liability claims if an accident occurs.

Call Brokers Insurance Agency, Serving Lincoln, NE, Today

If you’re ready to learn more about RV insurance, we’re here to help. Reach out to Brokers Insurance Agency, serving Lincoln, NE, today to talk with one of our agents.

Motorcycle Insurance Protection for Claims Made Against You: How Liability Protection Works

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Motorcycle riders are often thought to be at fault when an accident happens. There is certainly an unfair stigma associated with many accident. If you are hurt in an accident, and you know you are not at fault, turn to your insurer for help. It is their goal to help you minimize any financial losses you have.

At Brokers Insurance Agency, our team is readily available to help you seek fair compensation. Our service to you starts with proving access to a quality policy that outlines your needs. If you need motorcycle insurance in Lincoln, NE, reach out to us for a policy that aligns with your goals.

How Liability insurance Works

Liability insurance is a type of coverage that protects others from damage your cause. If you are found at fault for an accident, this policy works to cover the damages others suffered due to your actions. It provides coverage up to the value of coverage you purchase.

In many cases, you also gain the support of an attorney who can work to defend you against such claims. That can be critically important in situations where you believe you are being wrongly accused of causing injuries and losses to others. They provide you with support for any settlements leveled against you in these cases as well.

Your collision motorcycle insurance, if you purchased it, will provide protection for your repairs to your vehicle up to the value of protection you have.

Seek the Help of a Trusted Insurance Company

At Brokers Insurance Agency, we work with victims to protect their rights. Contact us now to discuss your needs for motorcycle insurance in Lincoln, NE and protect your financial future from claims made against you, whether they are fair or not.

What are the Requirements in Lincoln, Nebraska to Purchase Classic Car Insurance?

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About Insuring Your Classic Car

If you are anticipating the purchase of a classic car, and you live in Lincoln, NE, you will want to know what the state requires. With help from our team of experienced agents at Brokers Insurance Agency, we’ll explain what you need to have that satisfies the state while keeping your investment protected. 

Nebraska Requirements for Classic Car Insurance

Along with standard state liability requirements by the state, a classic car policy also has the following requirements in place. Additional vehicle requirements include vehicle requirements, usage and storage requirements, and driver requirements.

Vehicle Requirements

Requirements for the classic car include its age, which is generally 25 years old. There are specialty insurance policies that consider a car a classic if they are 10 to 20 years old and have the potential to become a collectible in the future. The car must be in its good original condition, well-maintained, or have been restored. It can have minimal modifications. Cars that have been heavily modified usually aren’t eligible for classic car coverage.

Requirements for Usage and Storage

Your classic car can only be driven minimally. It cannot be your main or only source of transportation. There is typically an annual mileage range imposed. The car must be stored in a private garage or storage unit that is fully enclosed and can be locked securely.

Driver Requirements

Drivers must be at a minimum of 25 years old, have a range of 5 to 10 years of legally licensed driving, and have a clean driving record.

Contact Us

With one call to us at Brokers Insurance Agency, we can answer any questions about the requirements and the benefits of having your Lincoln, NE, classic car insured. Call us directly or fill out our online form to contact an agent. We make it easy to get your vintage car the coverage it needs. 

Choosing an Auto Repair Facility

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If you are a Nebraska driver, you are required by law to purchase auto insurance. If you need assistance choosing the best type of auto insurance, our team at Brokers Insurance Agency can help you select a policy that fits your needs. Drivers in the Lincoln, NE area have learned they can rely on us for excellent customer service. We’ve been serving drivers like you since 1994.

Choosing an Auto Repair Facility

If you are in an auto accident, you’ll want to get your car fixed as soon as possible. You may wonder if you can bring your car to the facility of your choice. According to Karns & Karns, your auto insurance agent is likely to have a list of prepared repair shops. However, the same website reports that drivers typically have a right to choose the place where they bring their car for repair. 

If you have been bringing your car to a repair shop, you may prefer that team, since they know your car. Independent auto shops may also offer competitive pricing and personalized service. You should be aware that, despite your right to choose your own repair shop, your auto insurance policy may include a clause that states insurance will only pay for the repair if you go to a repair facility on their “preferred” list. Talk to your auto insurance agent to confirm the rules regarding the choice of repair shop. 

Call Us Today for Your Appointment

Don’t drive without the protection of the right auto insurance policy. Our team at Brokers Insurance Agency can help you find the coverage you need. We invite you to visit our office in Lincoln, NE to learn more about your insurance options. Call us for an appointment today, and let’s get you safely on the road. 

 

The Point of Umbrella Insurance: Protect Your Assets

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Umbrella insurance is often misunderstood, especially by people who have never needed it before. At first glance, it sounds simple: extra liability coverage that takes effect once your primary insurance policies reach their limits. Confusion usually arises when people look at the wide range of situations umbrella insurance can apply to. At its core, umbrella insurance exists for one primary reason: to help protect your assets.

The professionals at Brokers Insurance Agency in Lincoln, NE help individuals understand how umbrella insurance works and when it may be beneficial. Knowing what umbrella insurance is designed to protect can make it easier to decide whether this type of coverage is right for you.

Umbrella Insurance Focuses on Asset Protection

Umbrella insurance is designed to protect your personal assets from large liability claims. The events that lead to these claims can vary widely. For example, if you hire a landscaper and that contractor damages a neighbor’s property, the neighbor may pursue a claim against both the contractor and you. Your homeowners insurance liability coverage has limits, and if a claim exceeds those limits, umbrella insurance can help cover the remaining costs.

Another example involves personal liability claims such as libel or defamation. If a social media post or public statement leads to a lawsuit and your primary liability coverage is exhausted, an umbrella policy can help cover additional legal costs or damages awarded.

Why Umbrella Insurance Matters

In situations where liability claims exceed the limits of your home or auto insurance, your personal assets could be at risk. Umbrella insurance helps bridge that gap by providing additional liability protection, helping safeguard savings, property, and future income.

Many people are surprised to learn that umbrella insurance is often affordable, especially for lower coverage amounts. Premiums vary based on factors such as coverage limits, location, and existing policies, but umbrella insurance is generally considered a cost-effective way to add an extra layer of financial protection.

Learn More About Umbrella Insurance

If you want to learn more about umbrella insurance or determine whether it makes sense for your situation, contact Brokers Insurance Agency in Lincoln, NE. Our experienced insurance professionals can explain your options and help you decide how much coverage is appropriate to protect your assets.

Does life insurance change throughout the course of a policy?

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There is a common misconception that all life insurance policies are the same. Some people also assume that life insurance policies never change over time. In reality, different types of life insurance offer varying levels of flexibility, and certain policy features may be adjusted under specific conditions.

Brokers Insurance Agency in Lincoln, NE is here to help clear up the confusion so you can better understand life insurance coverage, premiums, and payouts.

Life Insurance and the Potential for Change

In general, life insurance policies remain stable as long as premiums are paid on time. Most traditional whole life insurance policies have fixed premiums that stay the same for the life of the policy.

However, some whole life policies may include a modified premium schedule. In these cases, premiums may be lower during the early years of the policy and then increase to a higher, fixed amount that remains consistent for the remainder of the term. Other types of life insurance—such as universal life—may have more flexible premium structures depending on the specific policy.

Life Insurance Is Reliable

Most life insurance policies are designed to remain unchanged and dependable throughout their terms. The policy language outlines exactly what is covered, how benefits work, and your premium obligations. Reviewing your policy details is the best way to understand when premiums are due, how they are calculated, and what happens as the policy matures.

Keep in mind that many life insurance policies have maturity dates. This is the point at which the policy ends, and benefits become payable to the policyholder or designated beneficiaries, depending on the policy type.

Brokers Insurance Agency Is a Call Away

If you are considering a life insurance policy in Lincoln, NE, it’s important to explore your options and fully understand how each policy works. Reach out to us at 402-420-5353 for more information or to request a personalized quote.

Will Commercial Insurance Cover Damage From Employees?

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Disgruntled employees can pose significant risks to a business. Fired employees may return after hours to vandalize the building, and employee theft is more common than many realize. In such situations, commercial insurance in Lincoln, NE may provide the protection you need.

Employment Status and Coverage

Whether a person is considered an employee at the time of the damage is a crucial factor in determining coverage. Some insurance policies specifically exclude damage or theft caused by employees. However, if a person was recently terminated, they are no longer considered an employee and are not covered by the company’s policies for any vandalism or property damage.

Type of Coverage

The type of commercial insurance you have also plays a significant role. Many business owners are not required to obtain policies like property insurance. Basic liability insurance typically covers costs only if the company is sued. However, property insurance can include coverage for vandalism, including crimes committed by employees. Crime insurance often provides broader coverage than standard policies.

Type of Damage

Insurance brokers also consider the type of damage when determining coverage. For example, many policies cover accidental fires, meaning if an employee accidentally starts one, it might be covered. However, if an employee intentionally starts a fire, it would be classified as arson and vandalism. The type of crime and the extent of the damage are key factors in whether an event will be covered.

Policy Specifics

Some insurance policies specifically exclude crimes committed by employees, such as theft or property damage. Others may require you to file a police report and press charges against the employee. Additionally, you may need to provide evidence that the employee committed the crime. These requirements vary by company, so it’s essential to speak with an agent at Brokers Insurance Agency to understand the fine print of your policy.

At Brokers Insurance Agency, we understand the complexities of determining whether an event is covered. Our experienced agents will listen to your situation and provide guidance. Contact us today to learn more. We proudly serve the Lincoln, NE area.

Adapt Your Home Insurance to Neighborhood Changes

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Your neighborhood is changing, but change rarely happens all at once. It starts with one house under renovation. Then another. And another. Suddenly, dumpsters line the street, and contractors rotate through your neighborhood daily. And here’s the part most homeowners don’t think about: Insurers don’t just see individual projects. They see patterns.

Here at Brokers Insurance Agency, serving Lincoln, NE, we spend a lot of time explaining how renovation density, not just your own upgrades, can shift how insurers view your home.

Renovation Clusters Change Risk Profiles

One remodeled kitchen doesn’t move the needle. But when a block enters a renovation cycle, insurers start to reassess the area. Increased construction activity raises the likelihood of incidental damage, material theft, and utility disruptions. Even if your home isn’t being worked on, proximity matters. Insurance risk models track frequency trends, not intentions.

And this is where homeowners usually get caught off guard. Your policy may still reflect a “stable residential” neighborhood, while the environment is temporarily functioning like a construction zone.

Permits Matter Less Than Concentration

Permitted renovations are not automatically accounted for, even though many homeowners assume they are. But insurance underwriting isn’t checking permit boards; it’s analyzing claims behavior and trends. That concentration alone can affect how insurers view their exposure on your entire street, regardless of how careful each homeowner is.

Why Timing Is the Overlooked Variable

Of course, renovation-heavy phases are often temporary, but insurance doesn’t adjust retroactively. If you don’t review your coverage during this transition, you may be relying on assumptions that no longer hold true in your neighborhood.

Brokers Insurance Agency works with Lincoln, NE, homeowners to translate what’s happening outside the front door into conversations that matter for your home insurance. If your neighborhood feels louder, busier, or half-covered in scaffolding lately, it is time to ask a few questions and protect yourself. 

A New Year Reset: Why Families Revisit Life Coverage in January

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January has a way of clearing the fog. The holiday rush finally fades, the schedule resets, and suddenly you can see your household routines without the mental clutter. That silent moment of reflection is exactly why so many families in Lincoln, NE, use the start of the year as a checkpoint for the things that determine long-term stability. And that should include the life insurance that protects the people who depend on them.

Why January Brings Life Decisions Into Sharper Focus

The turn of the year doesn’t change your responsibilities, but it does change how you look at them. You’ll realize all of the milestones coming up: a child starting school, an aging parent who needs more support, or a new position at work. These aren’t dramatic events, and they often go unnoticed, but they might dramatically affect how your coverage protects the life you’re building.

Life insurance should always be part of that conversation because it sits behind every decision about the future. Of course, you don’t think about it every day, but it becomes more relevant the moment you realize your current plan doesn’t fit the people you’re protecting. Here at Brokers Insurance Agency, we spend January helping families translate those small life changes into a clear understanding of what their life insurance policies need to cover.

A Reset That Grounds the Rest of the Year

The new year isn’t about making big promises. It’s about alignment. Smart households in Lincoln, NE, don’t revisit their coverage because something already went wrong. They do it because they want the peace of mind that comes from knowing the new year is built on a solid foundation.

Brokers Insurance Agency is here for that conversation whenever you’re ready to protect the next chapter of your life. Contact us. We’re currently serving Lincoln, NE.