Curious if your home or business insurance covers vandalism? When vandalism to property happens, homeowners, business owners, and renters are often left wondering if damages are covered. The good news is that generally, yes, your insurance has you covered. However, there are some certain circumstances where vacant properties aren’t covered—which are especially pertinent during this…
Homeowner’s Insurance is not a luxury, it’s an obligation. It is necessary to have a home insurance policy, not just because it protects your home and possessions from damage or theft, but because nearly all mortgage companies require borrowers to have protection. Even if you’re not a home owner, you need to have insurance. Many…
Although it’s still winter, many who experienced historic flooding last spring are worried about what’s to come this year. Last year, flooding in the Missouri, Mississippi and Arkansas river basins were responsible for an estimated $20 billion in damage. Some of the locations along the Missouri river in Nebraska and Iowa remained flooded well into…
In regards to hail claims that we had this year, we have had a number of clients notify us that they are not getting the work done until next Spring. Largely this is due to the fact that they could not schedule a contractor this summer or fall and with winter moving in, they now have…
Storm season is upon us! Is your home ready? There has been a minor change in the way homeowner insurance policies work that could have a major effect on you as a homeowner. The way to file a storm damage claim has changed, and as we progress through storm season, we want you to be…
Last month, Nebraska and Iowa saw one of the most catastrophic floods in history. In Nebraska alone, damage to private homes and businesses has reached $85 million. There is an estimated 2,067 homes and 341 businesses that have suffered damage from the flood, and the numbers continue to rise. Floods are a common and costly…
While it’s normal to have excess humidity in your house, it’s not always great for your air quality. This makes dehumidifiers quite common to have in the home. However, your dehumidifier may be a risk to you and your home! There have been quite a few instances of dehumidifiers overheating and catching on fire. We…
August generally means back to school for most of our kiddos. While a new school year starts, you may be focusing on new schedules and school supplies, but don’t forget about your insurance. As children get older, their insurance needs change. Now is a better time than any to evaluate your insurance before being bogged…
Buying a home is a BIG deal. Protecting it is an even bigger one. For many, their home is their biggest asset. Getting the right insurance to cover that asset is important. Choosing the wrong coverage when purchasing home insurance can be a costly mistake. You could think you’re covered and then your claim…
If you own a home, hopefully you already know how important it is to have homeowners insurance. You want to be covered before something happens. However, your home insurance may be leaving out some of your most prized possessions. Your house certainly is not the same as your neighbors, and neither is the property you…