In light of the continuing spread of the H1N1 virus, the Nebraska Department of Insurance encourages consumers to include a flu response plan in their disaster preparations this year. The first step in making that plan is a comprehensive review of your insurance policies. Here are a few things you should look for:
Life insurance may seem like something you only need to think about at a certain age. However, these policies offer various benefits that may be useful at different life stages. If you have a policy, it’s important to review it with your agent every few years to keep up with changes in your family status, income and needs. At the same time, make sure your beneficiary is aware of the existence of the policy. The following tips are offered to learn more about life insurance.
Residents of this Midwestern state deal with many severe weather events including tornadoes, severe thunderstorms and extremely cold winter temperatures. All of this can lead to damage to your home. Fortunately, you can protect yourself against extreme financial losses by purchasing a suitable Nebraska homeowners insurance policy.
Homeowners insurance provides two basic types of coverage: property coverage and liability coverage. These two factors can give you peace of mind knowing that you are not at risk of losing what one of your most expensive and important investments.
Speak with an agent in the Trusted Choice network today to learn more about Nebraska homeowners insurance and start comparing rate quotes for policies that are right for you.
Whether you are insuring personal or commercial vehicles, you are required by Nebraska state law to carry liability insurance coverage. Nebraska’s minimum coverage requirements are currently set at 25/50/25, which means you must carry a minimum of:
Failure to carry this mandated insurance can lead to fines of up to $500 and suspension of your drivers license. The state of Nebraska exempts vehicles with dealer plates and those with 30-day plates from this insurance requirement.
State-imposed liability limits were designed to protect drivers from the high costs associated with property damage and medical care in the wake of an accident. In most cases, these amounts provide enough coverage, but accidents that involve serious injuries or fatalities can easily exceed these limits. For this reason, many Nebraskans elect to purchase higher amounts of liability coverage.
For many, the winter holidays are a time of joy, celebration and tradition. Decorating your home, yard or office is a fun, festive way to celebrate the season. A little planning can help you enjoy your display all season long. Following are some tips from Travelers Risk Consultants to help keep your family and friends safe around your decorative displays.
The holidays are just around the corner, which means many people are bringing out the boxes of decorations to get ready for this festive time of the year. Unfortunately, there are also a lot of incidents of house fires this time of year connected to those decorations.
Consumers should reevaluate their insurance coverage and budget in the new year.
A national survey revealed consumers have an alarming lack of knowledge about their own insurance coverage. As the New Year approaches, Trusted Choice® agents urge consumers to resolve to get their insurance coverage and finances in order.
More than one-third of consumers in the study said they have never conducted their own research prior to purchasing an insurance policy. Almost 40% of consumers in the study say they are not confident or only somewhat confident that they have adequate and appropriate insurance coverage for their needs.
The new survey also found that more than one-third of policyholders have not met with or even talked to their insurance agent within the last year. A new baby, marriage, divorce, death, home renovation or a major purchase could significantly impact your insurance needs and costs. Trusted Choice® agents encourage consumers to stay in contact throughout these life changes, as they can be crucial to your financial security.
The holidays are a time for celebration and family. Most people have a few extra days of vacation to relax, and some use this time to play catch-up or finish projects that have been looming for the past year.
You can utilize this time to complete (what should be) an annual home inventory. We don’t want to discourage you from doing inventory on your different-colored tube socks, but this home inventory is geared toward helping you maintain an accurate record of your valuables for insurance purposes. A home inventory is a list and visual record of all your personal belongings, which will help you find replacement items if you ever need to do so.
Some people vow to exercise more, or to quit smoking or to read more books, and these are all admirable New Year’s resolutions. But what about resolutions that help provide you with peace of mind, more protection and a little more money in your wallet? Trusted Choice ® Independent Insurance Agents encourage you to review these three straightforward “insurance resolutions" that can help you start 2015 on the right foot:
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