Home & Auto Insurance Agency Omaha, NE
Your home is one of your biggest assets, and it’s important to do all that you can to protect it. We’ll help you plan for the unexpected with insurance coverage that’s just right for you and your family.
Your home is both an asset and the center of your life, so it’s extra-important to cover every risk with homeowners’ insurance. An analysis will be completed to help you decide where to allocate funds. This will ensure that you are using resources correctly, efficiently. We will educate you on what you have for coverages and why they are important! We want to make sure that you are insured properly, by making sure you have enough coverage and the correct coverage.
To get an auto quote:
Property and Casualty is designed to help you protect what you own personally. Your car, your home, buildings on your property and the items in your home. It also covers your personal liability. Having certain breeds of dogs, swimming pool or trampoline can increase your annual policy premium due to the increased liability.
Umbrella insurance is extra liability insurance. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future. It does this in two ways: Provides additional liability coverage above the limits of your homeowners, auto, and boat insurance policies. An umbrella is not always necessary, a few examples when it is, would be if you own a business, have a lot of assets or teenagers.
Liability car insurance covers damages to another person resulting from an accident you cause. Comprehensive insurance is an optional auto insurance coverage that protects your car against damage not resulting from a collision, as well as from theft. It covers a wide array of events that can damage your car, including vandalism, fires, and more.
Bodily Injury Limits:
These are the first numbers you usually see. Example 100/300. This means the most the policy will pay is $100,000 per person up to $300,000 per accident. If an injured person has injuries up to $100,000 — your insurance will pay that amount. However, if you have lower liability limits like 25/50 and the person has $100,000 in injuries. The company will pay $25,000 and you are responsible for the remaining $75,000. In this example only one person is hurt. What if two or three people were hurt? The limits are the same. 25K max per person. 50K max per accident. Your policy will not pay more than $50,000. You will be responsible for any remaining costs if it is your fault. On the flip side, if someone else is at fault and they carry only $50,000 in liability and you carry $100,000, often your policy will pick up the rest. It doesn’t cost much more to raise your limits!
Property Damage Limits:
If your policy shows 100/300/100 or 100PD on a separate line – you have $100,000 coverage property damage caused when you ran that stop sign. Some states have minimum requirements. We always recommend at least 100/300/100. In certain situations, we will recommend higher limits and an Umbrella policy.
Your automobile can be a costly investment – one that is exposed to many potential losses that are out of your control. We’ll make sure you have the protection you need at a price you can afford.
A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.
Remember, not all car insurance is created equal. Some auto insurance policies simply meet the legal requirements. In most states this means your auto insurance will cover the damage you cause to other cars in collisions. However, the car insurance in some ‘no fault’ states will also cover your own car or truck. Additionally, the law usually states that auto insurance policies must cover some medical bills that result from a car crash.
Other auto insurance policies go further and protect your car or truck if it is stolen, damaged or destroyed by fire, or damaged in a car accident that doesn’t involve any other vehicles. You can also get policies that protect your car if it is damaged by an uninsured driver.
Talk with us and ensure you have the proper car insurance coverage in place with the right insurance company. Otherwise, you’re putting yourself, your family, and others at risk.
In the event of an accident in which you've badly damaged or totaled your car, gap insurance covers the difference between what a vehicle is currently worth (which your standard insurance will pay) and the amount you owe on it.
Gap insurance applies any time your vehicle is stolen or totaled in an accident. When you file a qualifying claim, your comprehensive or collision coverage will pay the actual cash value (ACV) of your vehicle, minus your deductible. Your gap coverage may then pay the difference between your vehicle's ACV and the outstanding balance of your loan or lease. If your gap coverage includes a limit, it may only cover a portion of your outstanding balance if you owe a lot more on the vehicle than it's worth. Note that gap coverage may not cover additional charges related to your loan, such as finance or excess mileage charges.
Keep in mind that gap insurance doesn't cover other property or injuries as the result of an accident, nor does it cover engine failure or other repairs.
Do I need gap insurance?
Gap insurance isn't required by any insurer or state, but some leasing companies may require you to purchase it. Also, when purchasing a new car, some dealerships may automatically add gap insurance to your loan; however, you can decline this coverage.
Is gap insurance worth it?
When there's a significant difference between your car's value and what you owe on it, gap insurance is a valuable safeguard. Consider buying gap coverage in these instances:
You're leasing your car: Lenders may require gap coverage on leased vehicles.
You made a lower down payment on a new car: If your down payment is less than 20%, you could end up with negative equity on the vehicle as soon as you drive away from the dealership.
You have a longer financing term for your vehicle: The longer your vehicle is financed, the better the chance of owing more on the vehicle than it’s worth.
You want to protect yourself against depreciation: Some cars have a higher depreciation rate than others, so knowing the average depreciation for your vehicle could help determine if you need gap coverage.
You have a loan rollover: If you owe more on the loan than your car is worth at the time of renewal, gap insurance can help protect you against the negative equity.
How much is gap insurance?
The cost for gap coverage varies by insurer. You can get an exact price for loan/lease payoff coverage, which is like gap coverage, from Progressive. Simply get a car insurance quote online and we'll give you an answer in minutes.
How long does gap insurance last?
Once you add gap insurance, it applies for the duration of your policy. However, you won't need gap coverage for the entire length of the loan. Once you owe less than what the car is worth, you can drop the insurance.
How to purchase gap insurance
While some dealers offer gap insurance for both leased and financed cars, you may end up paying interest on your gap coverage due to the bundled lease/loan payment. Buying gap insurance through your auto insurer can be a smarter option.
When you rent or lease, your landlord’s insurance usually only protects the building itself — not your personal belongings. We’ll design coverage to protect your personal property and your lifestyle while renting.
Renters insurance covers against damage or loss from burglaries, along with loss from events such as fires, certain types of water damage and more. Be sure to check your renter’s insurance coverage details–there will usually be both an overall limit on the payout and a maximum amount for any one renters insurance claim.
You may also get a payment toward temporary accommodation if the rental property is uninhabitable after one of the events the renters insurance policy covers.
Some policies also include liability coverage that could pay out if you accidentally damage the rental property itself or if somebody is injured while visiting you at your apartment.
Remember, even if you park a vehicle on the rental property itself, your car usually won’t be covered by renters’ insurance.
If you rent an apartment, you need renters’ insurance. We’d be happy to walk you through the options to ensure you have the insurance coverage and protection you need.
The master condo policy typically protects only the shell of your unit, leaving your personal property and the unit interior at risk. We’ll make sure you understand your bylaws and have the protection you need.
Just because you don’t live in a high flood risk area, doesn’t mean it’ll never happen to you. We’ll provide the specialized coverage you need to help protect your home from rising waters – even if you’re not in a flood zone.
Your vacation property is an amazing getaway from the daily grind, but it comes with unique risks. We’ll make sure you have the right coverage specially designed for the unique exposures involved.
While you’re on the road chasing the sunset, you need insurance that works hard to protect your adventurous spirit. We’ll help you hit the road with smart, customized coverage – no matter what journeys you find yourself on.
Whether you own a paddle boat or a power boat, you want to enjoy your time on the water without worry. We’ll help you leave your worries on dry land and fully enjoy your time on the water.
Whether you’re planning a family vacation or a weekend road trip, you want to have peace of mind on the open road. We’ll work with you to make sure owning an RV is a rewarding experience, and a safe one.
Your off-road vehicle needs protection that’s different from what your auto or homeowners’ insurance can provide. We’ll help keep you and your off-road vehicle safe and secure while you explore.
Your prized collector car represents real commitment of your time and resources. We’ll help you protect your investment through specialized insurance coverage designed for classic car lovers like you.
Accidents happen. Stones fall out of diamond rings. Antiques break. Art gets stolen. We’ll get you the protection you need for your most precious belongings in the event of loss through theft, accident, or natural disaster.