Is RV Insurance the Same as Auto Insurance?

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If you’ve just purchased an RV, you might wonder if you can add it to your auto insurance plan for coverage. Unfortunately, an RV isn’t considered an automobile, so you must purchase a separate insurance policy to cover your new recreational vehicle adequately. Here is an explanation of why you need separate coverage and how much you can expect to pay. 

Coverage for Travel Trailers Only

If you have a travel trailer and not an actual RV, your trailer is covered under your regular automobile policy. However, if you have a separate RV that isn’t towed by your vehicle, RV insurance is required by the state of Nebraska. It’s state law, and the fact that auto insurance provides coverage for automobiles, and an RV isn’t an automobile. RV insurance will also provide more complete coverage for your recreational vehicle if you become involved in an accident or the vehicle incurs some damage. 

Average Cost of RV Insurance

Several factors will be considered when determining the RV insurance coverage cost. These factors will include the size and length of your RV, its weight, the property you keep in your RV’s living area, and more. You can expect to spend anywhere between a couple of hundred dollars a year to a couple thousand. 

As you can see, you must purchase a separate insurance policy when covering your RV. If you’re seeking a new insurance agency and you’re in the Lincoln, NE area, you should contact Brokers Insurance Agency. At Brokers Insurance Agency, we pride ourselves on providing top-notch insurance policies and excellent customer service. Call us today so we can provide you with a quote.

Consequences of Driving Without Motorcycle Insurance in Nebraska

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Sometimes, when money gets tight in your Lincoln, NE home, you look for bills to put off paying. Brokers Insurance Agency wants to explain why you should never choose your motorcycle insurance premium as the bill to skip.

Consequences of Driving Without Insurance

When you skip a premium payment, your coverage lapses. That means until you bring your coverage current, you drive without insurance. The state of Nebraska carries some hefty consequences for doing that if you get caught.

The police will charge you with a Class II misdemeanor, and the state temporarily suspends your license. You get ten days to prove that you have insurance. If you can’t produce proof, you’ll incur a fine of a minimum of $50.

Losing Your License

Besides the fines, which a judge determines based on guidance from state law, you can lose your driver’s license. In Nebraska, you will lose your license to drive if you drive without at least the minimum liability coverage and cause an accident or get convicted of having no proof of insurance.

What Is the Minimum Liability Coverage?

To legally ride your bike in Nebraska, you must maintain liability coverage in the amount of:

  • $25,000 property damages insurance
  • $50,000 personal injury insurance.

You can add coverage to the minimum to protect your own bike and health care needs.

Don’t Let This Happen to You

Contact Brokers Insurance Agency in Lincoln, NE for the motorcycle insurance you need to stay out of trouble with the law. Let us help you obtain affordable motorcycle insurance to comply with Nebraska law.

Protecting Your Boat: Understanding Recreational Watercraft Insurance

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Do you own a boat near Lincoln, NE? If so, Brokers Insurance Agency believes understanding recreational watercraft insurance is essential to protecting your investment. Whether you’re a seasoned boat owner or just purchased your first vessel, having the right insurance coverage can give you peace of mind while on the water. 

Types of Recreational Watercraft Insurance

There are two main recreational watercraft insurance coverage types: liability and physical damage. Liability coverage protects you if you are found responsible for an accident or injury while operating your boat. This coverage will pay for any damages or medical expenses incurred as a result. Physical damage coverage, on the other hand, covers damage to your boat and any equipment onboard, including electronics, engines, and sails.

What Does Recreational Watercraft Insurance Cover?

Recreational watercraft insurance policies can be customized to meet your specific needs. Most policies cover the following:

  • Damage to your boat
  • Damage to other boats, docks, or property
  • Theft and vandalism
  • Injuries to passengers or other boaters
  • Towing and wreckage removal
  • Emergency assistance and labor costs

Why You Need Recreational Watercraft Insurance

While owning a boat can be a fun and rewarding experience, it also comes with inherent risks. Collisions, weather, or theft can damage boats, and accidents can occur anytime. Without insurance coverage, you could be left with a substantial financial burden in an accident or damage to your boat.

In conclusion, recreational watercraft insurance is essential for any boat owner living in Lincoln, NE. Whether you’re out on the water for a weekend getaway or a long-term trip, having the right coverage in place will give you peace of mind and protect your investment. Call or email Brokers Insurance Agency today so we can set you up with the right boat insurance.

Tips to keep your classic car running like new

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If you’re a classic car enthusiast here in the Lincoln, NE area, nothing is more rewarding than seeing your ride running like new. Unfortunately, with age comes wear and tear on classic cars, making it hard to keep them in pristine condition. Here are some tips from us at Brokers Insurance Agency to help you keep your classic car running like new:

  1. Regular Maintenance: Scheduling regular maintenance checks for your classic car is essential for keeping it running smoothly over the years. During these check-ups, mechanics should inspect all parts of the vehicle to make sure everything is in good working order. Paying attention to warning signs such as strange noises or inconsistent performances from the engine can also help identify any potential problems before they become significant issues.
  2. Quality Parts: Investing in quality parts is vital when repairing or replacing components on your classic car. Look for components specifically designed for vintage vehicles, as they will ensure optimal performance and longevity from your classic car. Don’t skimp on quality parts; going this route could cost you more down the road if you need to replace them again soon after installation due to low-quality materials used during manufacturing. 
  3. Use Original Fittings: While some modifications may be necessary to keep your classic car running like new, try not to stray too far from original fittings and fixtures when possible. Using original fittings helps preserve the vehicle’s authenticity and can also improve performance over time by preventing excess strain on other components, such as the engine or transmission. 

For more tips or to explore an insurance policy to cover your ride, call us at Brokers Insurance Agency today. We serve the Lincoln, NE area.

Why basic auto insurance may not be the right choice

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Basic auto insurance is what the state says you need to carry. It varies from state to state. In Nebraska, it is 25/50/25 and 25/50. What this all means is something we at Brokers Insurance Agency in Lincoln, NE make it our responsibility to inform our customers of and make sure they have the appropriate coverage. 

The required insurance is liability coverage and underinsured or uninsured coverage. You must have $25,000 for injuries to one person and $50,000 for all accident injuries, and $25.000 for property damage. You also need to protect yourself and any passengers in your vehicle from medical injuries or lost time resulting from under-insured or uninsured motorists. This is $25,000 for one and $50,000 for all injuries or lost time. 

But what about your car if you are the responsible party? Can you afford to repair or replace it? If the answer is no, then you need to consider additional coverage. 

Collision

Collision covers damage to your car if you are responsible for the accident, are the victim of a hit and run, or are an uninsured or underinsured driver. 

Comprehensive

Comprehensive coverage protects your vehicle from several different hazards, including theft, vandalism, flooding, high winds, and hail, just to name a few. 

Roadside assistance

If you break down and need to be towed, have a flat tire, or lock yourself out of your vehicle, having roadside assistance will mean that someone will come to help you. 

Gap coverage

When you buy a new vehicle, it loses value as soon as it leaves the showroom. This will guarantee you will have enough coverage to pay off your loan. 

To learn if basic auto insurance is the right choice for you, give our team at Brokers Insurance Agency in Lincoln, NE a call today. 

Five Things you Should Know about Umbrella Insurance

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Insurance is an essential part of living in today’s world. There is insurance for just about everything you can think of, such as home insurance, renters insurance, boat insurance, umbrella insurance, and much more. Umbrella insurance is one of those things that some people have never heard of. It is different from most types of insurance in a few ways. Read on to discover five things you should know about umbrella insurance.

What is umbrella insurance?

Umbrella insurance is an extra type of liability insurance. When your liability limits run out on your auto or home insurance, umbrella insurance can cover the rest of the liability cost.

Umbrella insurance is not for everyone.

While umbrella insurance might be helpful for various people, some people don’t need that extra liability insurance. Umbrella insurance is mainly for people with high-risk factors or a high net worth.

You might need umbrella insurance if

You might need umbrella insurance if you have things that put you at higher liability risk. People these days like to sue, so having umbrella insurance can help in those cases. Some of the things that put you at a higher risk include:

  • Swimming pool
  • Trampoline
  • Dogs
  • Regularly having people over
  • Teenage drivers
  • High net worth

Basic things umbrella insurance covers

Here are some of the basic things umbrella insurance covers:

  • Lawsuits
  • Personal liability
  • Injuries
  • Property damage

The nice thing is umbrella insurance isn’t specific to any single policy, like your home or auto insurance. It helps when the liability limits run out on your current policies.

Research your options

Like anything else, it pays to research your options before settling on a policy. Premiums, deductibles, and coverage can be different depending on what insurance company you go with. Choose the company and policy that works best for your needs.

Contact Brokers Insurance Agency

Call or visit us at Brokers Insurance Agency in Lincoln, NE for a quote on an umbrella insurance policy.

How Does My Beneficiary Receive a Life Insurance Benefit?

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At Brokers Insurance Agency in Lincoln, NE, we get many questions about how life insurance works. Many folks might have a general idea of what life insurance is. Still, even after buying a life insurance policy, the specifics, such as how a beneficiary receives a death benefit, can be a mystery. While every policy is different in terms of coverage and amounts, most life insurance policies function similarly when it comes to receiving the death benefit as a beneficiary.

What is a death benefit in life insurance?

In life insurance, the term “death benefit” refers to the sum the surviving beneficiary listed on the policy receives. Sometimes, a death benefit may be put into a specific account to accumulate interest over time. In this case, it will be paid out to a secondary beneficiary after the primary beneficiary’s passing. Still, the primary beneficiary will receive monthly interest payments on the amount. Some life insurance policies may also provide guaranteed income for life for the beneficiary, depending on factors laid out in the policy.

How can a beneficiary receive a life insurance benefit?

Once the life insurance policyholder has passed, the beneficiary can contact the insurance agent associated with the account. Then, the agent will assist with completing the appropriate documentation. In this process, the beneficiary should have multiple death certificate copies available to help verify that the benefits can be paid out. If the insurance agent is unknown or unavailable, a simple call to the insurance company itself will work to start filing the claim. 

To see how our life insurance policies can give your family financial security after you pass, call our office at Brokers Insurance Agency in Lincoln, NE today!

Job site safety tips

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Job site safety is a priority for any company, and ensuring that all personnel is adequately protected is essential. It is important to follow safety guidelines when working in any environment, especially on job sites in the Lincoln, NE area. Here are some tips for job site safety from us at Brokers Insurance Agency: 

  • Wear protective gear: When working on a job site, make sure you are wearing the appropriate clothing, such as long pants, boots, hard hats, eye protection, and gloves. This will help protect you from any potential hazards that may exist on the job site. 
  • Identify potential hazards: Take a few moments to survey the area before starting work to identify potential risks or hazardous materials on the job site. Ensure everyone is aware of these potential risks to avoid them. 
  • Follow proper lifting techniques: Proper lifting techniques should always be used when working with heavy equipment or other materials. Keep your back straight and use your legs instead of your back to lift items off the ground. 
  • Utilize safety equipment: Whenever possible, utilize safety equipment provided by the company, such as harnesses, ladders, scaffolding systems, fall protection devices, and other protective measures put in place for employees’ safety. 
  • Follow instructions from supervisors: Listen carefully to instructions given by supervisors or managers related to job site safety and adhere to them at all times for maximum protection against accidents or injuries while working on a job site. 

By following these simple tips for job site safety in the Lincoln, NE area, you can ensure that all personnel remains safe while performing their tasks in any environment. For more tips, call us at the Brokers Insurance Agency today!

Tips to prepare your home for a storm

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It is essential to take precautions before a storm to protect your home and its contents, especially in the Lincoln, NE area. Here are some tips on how to prepare from us at the Brokers Insurance Agency:

  1. Inspect your roof for loose shingles, cracks, or holes that can be easily damaged by heavy winds and water during a storm. Make sure to repair or replace any damage before the storm arrives.
  2. Store all outdoor furniture and decor indoors, or tie them down securely. Store anything that cannot fit indoors in an enclosed shed or garage strong enough to withstand extreme weather conditions.
  3. Trim trees and shrubs around the home to ensure there are no branches near windows or roofs that could break off in high winds and cause damage to your house.
  4. Clear gutters of leaves, twigs, and other debris so water can flow freely away from your home.
  5. Ensure an emergency supply kit is ready in case of a power outage or if you need to evacuate quickly. This should include flashlights, batteries, non-perishable food items, bottled water, and essential documents.
  6. Prepare your home’s plumbing system by disconnecting all hoses from the outside faucets, draining excess water out of pipes, and shutting off the main valve if instructed to do so by authorities.

Following these tips can help protect your home and its contents when a storm looms on the horizon. If you have any additional questions, give us at Brokers Insurance Agency a call today! We proudly serve the Lincoln, NE area. Stay safe!

Life Insurance to Fit Your Lifestyle

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Insurance policies are often regarded as optional purchases. That can be especially true when life insurance is taken into consideration. However, life insurance is necessary whether you realize it or not. Many things can occur throughout our lives, and it’s essential to ensure that your family is taken care of in the event of your untimely passing. Preparing as much as possible is the key to making the process go as smoothly as possible.

There are multiple reasons why you need to purchase a life insurance policy. These reasons can vary significantly from person to person, depending on the lifestyle lived by each individual. If you smoke, drink, and use street drugs, these factors can drastically diminish your lifespan. Even if you are living a healthy lifestyle, anything can happen at anytime. It can take such a short time to develop a life-threatening illness. Before this happens, you should make sure to give your family peace of mind. Your biggest concern should lie with your loved ones, as life insurance can cover many expenses they may otherwise not be able to afford.

If you have questions about life insurance policies to find which one is right for you, Brokers Insurance Agency in Lincoln, NE is here to help. Obtaining a life insurance policy can be a jarring experience, but you do not have to go alone. Allow the experts to walk you through the proper steps towards protecting your family, even in your absence. Call Brokers Insurance Agency today or stop by their office if you are in the Lincoln, NE area.