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.
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.
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.
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.
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.
You can learn more about life insurance policies by contacting Brokers Insurance Agency in Lincoln, NE today!
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
- 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.
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.
Caring for Your RV During Winter
If you are a seasonal RVer, winter is usually the time of year to ready your RV for storage. It is crucial to thoroughly winterize your RV, especially if you live in northern climates.
Our dedicated agents at Brokers Insurance Agency of Lincoln NE offer tips to winterize your RV, and insurance coverage to protect your valuable investment during all months of the year.
Tips for Winterizing Your RV
- Drain water – All the tanks, including grey water, fresh, and black water, should be drained. Turn on faucets and flush toilets after draining. Blowing out the lines can help remove the remaining sediment and waste.
- Fill up propane – Filling up propane tanks will help them remain safe and effective during harsh winter months. Alternatively, you can take out and store tanks that can be removed.
- Clean and cover vents – Covering cleaned-out vents and holes will prevent dust and dirt from settling in them.
- Check engine and top off fluids – Top off critical engine fluids like oil and transmission. Check brake and antifreeze fluid levels. Inspect lines and look for leaks. Maintaining periodically during colder months will keep your RV ready for spring and summer.
- Cover your RV – RVs that are left outside in cold snowy weather wear quicker. Covering your RV with a weatherproof covering will keep the exterior of your RV protected from the elements in winter.
Quality Insurance in Lincoln
The professional team at Brokers Insurance Agency of Lincoln, NE knows the ins and out of RV insurance. We have helped countless individuals with high-quality, year-round coverage. Winterizing your RV and keeping it insured during winter, ensures your RV will be protected from damages and theft.
Richards Insurance Agency provides coverage to the Lincoln, NE community, as well as the surrounding areas. We consult with our clients and develop a game plan to help them find the insurance coverage they need to protect their assets. We offer flexible policies designed to meet our client’s unique needs. We look forward to offering you quality service.
Classic Car Insurance Overview
Classic cars are unique assets. As the owner of a classic car, insurance adds another layer of protection as you maintain your vehicle. In order for your vehicle to meet the classification as a classic car, it must pass certain qualifications. The car should be at least 25 years old. You have to perform regular maintenance on the vehicle to keep it in great shape. Your vehicle may also qualify for classic status if you have amended the original specifications to add more value to the vehicle. Low mileage is another feature of classic cars. Generally, you should only drive the car to Lincoln, NE car shows and exhibits. Only driving the car on special occasions enhances the value of your classic car.
Classic car coverage is similar to traditional coverage because you are protected if you are held liable for property damage or bodily injuries. Comprehensive coverage is more popular for classic cars, as they are always at risk of being stolen or vandalized. You can add special coverage to your policy. It’s important that you store your classic car in a secure garage or facility. However, an accident can still happen at any time. Storage coverage can protect your vehicle if a disaster strikes. If you add any accessories to the vehicle, you can add extra coverage to protect you if those parts are damaged.
Richards Insurance Agency Will Help You Find The Right Policy
Visit our website to learn more information about classic car insurance.
Auto Insurance Tips for New Drivers in Lincoln, NE
Whether it’s your first or 50th car, you need to seriously consider buying adequate car insurance to protect you financially in case of accidents. However, before settling for any policy in Lincoln, NE, Richards Insurance Agency recommends learning a few buying tips to get the most out of your policy. Here are a few tips to get you started.
With so many insurance companies coming up, don’t just pick the big names, especially if you’re a new driver. Walk around and enquire from different companies to compare quotes. Many companies often welcome new drivers by giving them offers. While your rates will definitely be higher, you can still secure a good deal with your budget. Don’t forget to ask about offers, terms, and other requirements.
Study Your Policy
Before signing any document, make sure you understand everything written on your policy. If you have challenges with auto insurance jargon, an insurance agent should help explain to you what is not clear. Learn how the policy works, your coverages, limits, and the process of filing insurance claims and other insurance laws in Lincoln, NE.
Determine Your Insurance Needs
The Nebraska law requires you to carry minimum property damage and bodily injury liability, but that doesn’t mean you stop there. What happens when you are hit by an insured driver? You will probably need other coverages to protect you while on the roads, such as collision coverage and medical payments coverage.
Have a Safe Vehicle
Your insurance company will want to know everything about your car. The model, age, body, and engine size determine whether your premiums will go up or down. Therefore, be sure to get a safe accident-free vehicle.
For more information about auto insurance buying tips, contact Richards Insurance Agency.
Richards Insurance Agency provides coverage to the Lincoln, NE community. We strive to serve our clients with passion and integrity. For over 20 years, we have helped our clients protect their assets and stay covered in the event of an emergency. We look forward to assisting you with your insurance needs.
Why Restaurant Owners Should Research Umbrella Insurance
Umbrella insurance is supplemental coverage that protects you during uncertain times. Normally, the policy is used to help protect assets from being seized due to a serious liability dispute. As a local Lincoln, NE restaurant owner, you know the risks associated with operating your business. You face challenges daily. Umbrella insurance can prevent you from dealing with disaster.
Attracting customers is the primary objective of your business. However, there are a few ways that things may take a turn for the worst. Imagine if one of your customers slips and falls in the dining areas or parking lot. You could face potential litigation if they suffer serious injuries. Imagine your customer has a bad reaction to one of your menu items, and they plan to pursue litigation. Umbrella insurance gives you a safety net as you deal with the charges.
If you have an issue with one of your employees, umbrella insurance can help you protect the reputation of your business. You are covered if your employees pursue litigation by alleging discrimination or wrongful termination.
If you serve alcohol at your restaurant, umbrella insurance can prevent you from being held liable for the actions of a patron. If you serve a patron alcohol, and they end up causing property damage or harming someone, you may be indirectly responsible. Umbrella insurance can be an asset as you go through the process.
Richards Insurance Agency Can Help You Protect Your Business
Visit our website to learn more information about umbrella insurance.
No one wants to think about their life-ending, but none of us know when it will be time to leave this earth. When your time comes, you will want the peace that comes with knowing that your loved ones are taken care of after you are gone. The life insurance agents at the Richards Insurance Agency, located in Lincoln, NE, can assist you with all of your life insurance needs.
When it comes to life insurance policies, there are three main types that you can choose from, including universal life insurance, term life insurance, and whole life insurance.
Term Life Insurance
A term life insurance policy only lasts for a certain term that you set with your insurance agent at the beginning of the policy. This term could be a decade long or three-decades-long, depending on which you prefer. This type of policy will end at the end of whatever term you chose, but you will more than likely be able to renew it but at a higher premium rate.
Universal Life Insurance
Very similar to term life insurance is universal life insurance. This type of policy is also paid upon for a certain amount of time before it expires, but you can pay a premium that will keep your death benefit in place. This type of policy also offers you a savings account that you or your family can use in the future.
Whole Life Insurance
A whole life insurance policy lasts that long, hence the name. It guarantees a certain payout on the amount you invest into the policy, and you can borrow from it why you’re still alive to pay off debts ahead of time or use it to make repairs and get things for your loved ones before you die.
To choose the type of life insurance policy that works best for you and your family, you should contact the agents at the Richards Insurance Agency, located in Lincoln, NE to get your policy started as soon as possible. Reach out to our office to get a quote and learn more.
Every state has its own rules about the kinds of commercial insurance that a business must-have. In Nebraska, there are two types of commercial insurance that most businesses have to have in place, and there are other types that are useful and recommended for most businesses. If you have questions about your commercial insurance needs, contact us at Richards Insurance Agency in Lincoln, NE.
This type of insurance is required for every Nebraska business that has any number of employees. This applies no matter how many of them there are and whether they are part-time or full-time. This coverage protects your business by paying the medical bills of employees who will become ill or injured while they are working. This also protects your employees, as they will have funds available if there is an accident at work.
If your Nebraska business owns a vehicle of any kind, it has to have a commercial auto insurance policy on it. If you try to place a regular, personal policy on it, it will likely not pay out if there is an accident. If you use a vehicle for work purposes, but the company doesn’t own it, there is a different type of insurance that is not required but highly recommended. It is called a hired and non-owned policy. If you use your personal vehicle for work tasks and have an accident, a personal policy is unlikely to pay out for it.
Your commercial auto policy has to have at least the set minimum for one person who has been in an accident with you and another amount for everyone who was injured in the accident. There is another minimum required for any property damage caused by accident. There is another coverage amount required to cover you against one person being injured in an accident with an uninsured motorist. Another amount is required for all parties who are injured.
Get Your Commercial Insurance
If your business needs commercial insurance, contact us at Richards Insurance Agency in Lincoln, NE.