What Are The Top Concerns People Have About Boat Insurance?

When it comes to boat insurance, there are a lot of things to worry about. What if my boat sinks? What if I hit someone with my boat? What if there is an accident and I need to file a claim?

These are all valid concerns that people have when it comes to boat insurance. This article will discuss some of the top concerns people have regarding boat insurance.

1. How Much Will My Policy Cost?

This is one of the most common questions people have when shopping for boat insurance. The cost of your policy will depend on several factors, including the type and size of your boat, your boating history, and the coverage you choose. Brokers Insurance Agency in Lincoln, NE, can help you find the right policy for your budget.

2. What Does Boat Insurance Cover?

Boat insurance policies can vary, but most will cover damage to your boat, personal property on board your boat, and liability if you cause an accident. Read your policy carefully to know what is and isn’t covered.

4. Do I Need Boat Insurance?

In most states, you are not required to have boat insurance. However, if you have a loan on your boat, your lender will likely require you to have coverage. Even if you don’t have a loan, it’s a good idea to insure your investment.

5. How Can I Save on Boat Insurance?

There are a few ways you can save on boat insurance. One is to shop around and compare rates from different insurers. Another is to choose a policy with a high deductible. You can also get discounts for taking boating safety courses or belonging to specific boating organizations.

6. How Do I File a Boat Insurance Claim?

If you need to file a claim, the first thing you should do is contact your insurance agent. They’ll help you through the process and answer any questions you have. You’ll likely need to provide photos of the damage, a police report (if applicable), and other documentation.


Boat insurance is a significant investment, but it doesn’t have to be expensive or complicated. By understanding your options and shopping around, you can find a policy that meets your needs and budget. Brokers Insurance Agency in Lincoln, NE, can help you find the right boat insurance for your needs. Give us a call today.

Tips for Maintaining Your Classic Car

There’s nothing quite like taking a drive in a classic car. The feeling of the wind in your hair, the sun on your face, and the engine’s rumble is an experience that can’t be beaten. If you’re lucky enough to own a classic car, then you know how important it is to keep it in good condition. After all, these cars are not only works of art but also valuable investments. Here are a few tips to help you maintain your classic car.

1. Get Classic Car Insurance

One of the best ways to protect your classic car is to get the right insurance. Classic car insurance is designed specifically for these types of vehicles and includes coverage for things like agreed value and parts replacement. This type of insurance can be more expensive than regular car insurance, but it’s worth knowing that your classic car is adequately protected.

2. Store Your Car Properly

When you’re not driving your classic car, it’s essential to store it properly. This means keeping the elements in a cool, dry place. If you have the space, consider investing in a garage or carport. If not, then be sure to cover your car when it’s parked outside.

3. Keep It Clean

A classic car is a work of art, so keeping it clean is important. This means washing and waxing the exterior regularly. You should also vacuum and polish the interior to keep it looking its best.

4. Stay on Top of Maintenance

Just like any other car, a classic car needs regular maintenance. This includes changing the oil, checking the tires, and making sure the brakes are in good working order. By staying on top of maintenance, you can help keep your classic car running smoothly for years to come.

If you’re lucky enough to own a classic car, follow these tips to help maintain it. And if you are looking for classic car insurance, be sure to contact Brokers Insurance Agency in Lincoln, NE. We specialize in classic car insurance and can help you find the coverage you need to protect your investment.

Benefits of Full Coverage Auto Insurance in Lincoln, NE

As a Nebraska driver, you may wonder if full coverage auto insurance is worth the investment. After all, it can be expensive. But there are some definite benefits to having full coverage insurance, especially if you live in Lincoln. Here are just a few of the advantages of full coverage auto insurance in Lincoln:

You Have a Vehicle Loan

If you have a loan on your vehicle, your lender will require you to have full coverage insurance. This is because they want to make sure you protect their investment in case of an accident. Full coverage auto insurance will pay for damages to your car no matter who is at fault in an accident. This can be a tremendous relief if you are ever in an accident and your vehicle is totaled.

You Have a Lease

If you lease your vehicle, you will also be required to have full coverage insurance. Like with a loan, your leasing company wants to make sure they protect their investment in case of an accident. Like a comprehensive auto loan policy, full coverage auto insurance will pay for damages to your car no matter who is at fault in an accident.

A Brokers Insurance Agency representative can help you find the best full coverage insurance policy to meet your needs and budget.

You Drive in Hazardous Conditions

You know our winters can be brutal if you live in Lincoln, NE. And even though we don’t get a lot of snow, the roads can still be icy and dangerous. If you have full coverage auto insurance, you will be covered if you have an accident, even due to weather. This can give you peace of mind when driving under hazardous conditions.

A Brokers Insurance Agency representative can help you find the best full coverage insurance policy to meet your needs and budget. Contact us today for a quote.

Benefits of an umbrella policy for liability protection

Brokers Insurance Agency is proud to be a resource for the business community in the greater Lincoln, NE area. If you are wondering if it’s time for you to consider an umbrella policy for liability protection, we can answer any questions that you may have. Give us a call today and schedule your consultation.

Umbrella policies for commercial liability protection

When protecting your company, liability can often feel like the most significant risk. This is especially true for retail businesses or those with a high rate of slip and fall incidents or other situations that can turn into frivolous lawsuits. One suit that goes the wrong way can exhaust a primary insurance policy.

You can enjoy additional coverage above your primary policy with an umbrella policy in place. Your umbrella policy will come into play when your primary commercial policy reaches its maximum. This provides you with additional protection right when your company needs it.

If you want to protect your firm from excessive liability risk, why not investigate your umbrella insurance policy options today? This type of policy can help to ensure that your company can continue to operate even if you experience a covered event for which you are held liable. With a commercial umbrella insurance policy in place, you can rest assured that your hard work is protected now and well into the future. 

Now might be the right time to add an umbrella policy to your commercial insurance portfolio.

If you are a business owner in the greater Lincoln, NE area, you can rely on Brokers Insurance Agency for your commercial insurance needs. Find out more about how an umbrella policy can provide liability protection by calling us today.

A Look At How Your Retirement Can Be Aided By Whole Life Insurance

Unlike term life insurance which is only valid for a specific period, whole life insurance lasts for your entire life – assuming you continue to pay the policy premium. One of the most valuable aspects of whole life insurance is that it generates a cash value with significant tax benefits. Each time you pay your premium, a portion is set aside and invested in increasing the policy’s cash value and offers an alternative to saving and a supplement to your retirement accounts. While whole life insurance is significantly more expensive than term life insurance, it offers a multitude of benefits that are outlined below:

The Benefit is Permanent

It may be impossible to qualify for a term life insurance policy as you age because you must participate in an exhaustive physical health screening. However, with a whole life insurance policy, that benefit is 100% guaranteed if the policy remains in good standing. 

Generate Cash Value

Each time you make a premium payment, part of that payment is used to cover the insurance and associated fees, while the rest is used to build a tax-deferred cash component that can grow significantly with time. A loan can be taken against that cash value and used for any purchase if needed. 

The younger you are, the better time it is to purchase whole life because your premiums will likely be lower and will never increase, plus you’ll have more time to grow the cash value of your account.

Contact the Brokers Insurance Agency in Lincoln, NE for more information on life insurance. Our knowledgeable and professional team will be happy to answer all your questions and help you choose the right life insurance policy for your needs.

Commercial Insurance Options for Nebraska Business Owners

When you have a business in Lincoln, NE, you will do everything to see it become a success. From burning the midnight oil to employing top employees, you are willing to throw everything you got to make your business stand the test of time.

While you are dedicated to your business, risks beyond your control can wipe your prized investment in a matter of minutes. We are talking about risks like fire, theft, and natural disasters that can consume your business within no time!

Commercial insurance options

Given the risky nature of the business environment, you need commercial insurance from Brokers Insurance Agency to protect your business. And because commercial insurance is broad, here are some coverage options you can consider for your business:

  • Professional liability insurance: This coverage protects your consultancy business when you miss deadlines or when accused of negligence.
  • Commercial auto insurance: Do you have vehicles for the business? Do you use your personal vehicle for commercial use? Either way, you need commercial auto insurance.
  • General liability insurance: This coverage protects your business when accused by third parties. It protects your business when other people sue you or accuse you of property damage, bodily, and advertising injury.
  • Umbrella insurance: This liability coverage takes over when your general liability insurance is exhausted.
  • Worker’s comp insurance: This insurance plan covers employees against illnesses and work-related injuries.
  • Property insurance: If you have assets like inventory, computers, buildings, and furniture, you need property damage to cover your assets against fire, theft, vandalism, and other risks listed in your policy.
  • Flood insurance: If your business is in a high-risk flood zone, you require flood insurance because typical commercial insurance doesn’t cover flood damage.

Shopping for commercial insurance in Lincoln, NE? Why don’t you contact Brokers Insurance Agency for an affordable insurance plan? We offer numerous commercial insurance coverage options to cater to different categories of businesses.

Preparing for Disasters and Protecting Your Home

The truth of the matter is that a natural disaster, from significant storms to wildfires, can occur at any given time with the potential to destroy your home and its belongings. The best way to protect yourself and your property is to invest in home insurance from a company like Brokers Insurance Agency. Here are a few ways your home insurance policy in Lincoln, NE protects you from a variety of unexpected events.

Home Repairs

A home insurance policy will pay to replace your home in the event it suffers damage by a covered peril. Usually, you will be protected against fire, high winds, and tornadoes, but there will be some specific events that are excluded. This may include food damage, which would require an additional rider for protection.

Damaged Property

When a significant storm or disaster comes through, there is a chance that you will need to replace everything, from the home itself to clothing and furniture. The typical policy will include personal property coverage, which will pay for the replacement of personal items ruined in the covered peril.

Stolen Property

Even in the event that your items are saved to “live” another day following a calamity, they are likely to be vulnerable to theft in the event your home is exposed. The good news is that a home insurance policy will reimburse you for any items that are stolen.

There are many benefits to securing a home insurance policy. If you are ready to invest in the protection of your Lincoln, NE home and belongings, contact our team at Brokers Insurance Agency. We are happy to sit down with you and go over different policies to determine what type of coverage is best suited for your needs and personal budget.

Nebraska Life Insurance – What’s The Difference Between Term Life & Whole Life Insurance?

Life Insurance can be a scary topic to talk about considering the implications of having to use it.  You shouldn’t look at life insurance as a possibility of your death, but you should approach life insurance as a tool to help your family after you’re gone.  Death is impending for all of us, the only factors that change is the manner and timing of it.  Life Insurance provides your family and other beneficiaries with help in the event of your passing.  There are two different life insurance policies that you can get, term life insurance and whole life insurance.  You can purchase life insurance through Brokers Insurance Agency in Lincoln, NE.

Term Life Insurance

Term Life Insurance covers you during a pre-determined length of time.  This length of time could be five years or up to 20 years.  Should you pass away during this time, your beneficiaries will receive your death benefit amount.  The good thing about term life insurance policies is that the premiums are much lower in comparison to whole life insurance policies.  This is a way to provide that protection for your family without spending too much money out of pocket.  Should the term end with no event, you walk away as there is no accrued money value built up in the policy.  That’s the downside of having term life insurance, it’s essentially “rental” life insurance that must be used during the time period.

Whole Life Insurance

Whole Life Insurance is much different than term life as you can have the policy for the rest of your life.  The policy grows money value over time with each premium paid and you can borrow against this policy should you need it.  Should you pass away during your whole life insurance policy, not only will your beneficiaries receive the death benefit payout, but they’ll also receive the cash value of the policy that’s been paid in over that time period.  The monthly premiums paid are higher than the term-life due to the money value accruement over the life of the policy.

More Information

You can learn more about life insurance policies by contacting Brokers Insurance Agency in Lincoln, NE today!

Protect your Lincoln, NE business with a commercial policy

Brokers Insurance Agency understands the importance of protecting all of your hard work as a business owner. We are here to provide Lincoln, NE companies with the coverage they need, now and into the future. If your business has been growing and changing, it may be time to review your current commercial insurance policy.

We can help you understand your commercial policy coverage options 

Today’s business environment makes it more important than ever to have an appropriate commercial policy that meets your current needs. The policy that was right for you when you were just starting out may not be adequate now. Protecting your business with commercial insurance includes coverage for:

  • Business interruption
  • Inventory
  • Equipment
  • Vehicle Fleets

and a lot more! As you build your business and enter into a growth stage, it becomes more important than ever to protect your efforts. We strongly encourage our commercial clients to review their coverage on a regular basis to ensure that their policy protection keeps pace with their current business needs. If you haven’t taken a close look at your commercial policy in a while, now is a perfect time to sit down and review your policy. It’s always better to have the appropriate protection in place before you need it!

Contact us today and find out more

If you are a business owner in the greater Lincoln, NE area, give Brokers Insurance Agency a call today. We will work with you to ensure that your company has the protection it needs! We can set up a consultation for a comprehensive review of your policy and your current commercial protection needs.

Home Insurance & Water Damage: What You Need to Know

Water damage is one of the most difficult types of damage to contend with in the home. When your home experiences water damage, you want to know if your insurance can be helpful.

Brokers Insurance Agency, which series Lincoln, NE, knows that water damage is tricky. Here’s what you need to know.

Home Insurance Covers Water Damage to Dwellings

Even if your home insurance policy does not cover flooding, it may cover your dwelling if it faces water damage in another form. For example, a pipe might have busted in the wall, leading to severe damage to your home’s structure.

Keep in mind that not everything is covered by your policy. If your home does not have proper maintenance over the years, you may not be able to recover some expenses. It is important to stay up to date with your policy documents.

Home Insurance Provides Personal Property Coverage

Water damage can also impact your belongings. If your personal items, like electronics or books, are damaged, you may be able to get some help thanks to your home insurance.

Deductible Needs Differ

Each home insurance policy has different types of deductibles. If you are unsure when your policy kicks in to help with water damage, you should speak with an insurance agent who understands your needs and your contract.

Get Home Insurance to Protect Your Property

Whether you want to protect your home or your personal property, you need home insurance. If you do not know what kind of policy you need, consult with Brokers Insurance Agency serving Lincoln, NE to learn more about your options.