Understanding Split Deductibles and Your Home Insurance Policy When protecting your home with insurance coverage, the deductible is an important factor to consider. What exactly is a deductible on your home insurance? A deductible is the amount of money you are responsible for paying out of pocket in the event of a claim. Sometimes, a [...]
Top 10 Factors That Affect Your Home Insurance Premiums
When it comes to protecting your home with insurance, understanding the factors that influence your premiums is important. Home insurance premiums can vary significantly based on various factors. In this post, we will discuss the top 10 factors that can affect your home insurance premiums: Location The location of your home plays a significant role [...]
This Old House
When buying a home, it is imporant to look for certain things that could limit the options you have when it comes time to purchase insurance. Wood Shingles Altough they are less common here in Nebraska than asphalt shingles, there are still some homes that have wood shingles. Wood shingles can be very durable against [...]
Landlord’s, Tenant’s, and the Win-Win of Renters Insurance
As a landlord, you have a lot on your plate. From property maintenance to tenant management, the responsibilities can be overwhelming. One important aspect as a landlord that is often overlooked is ensuring tenants have renters insurance. While it may seem like an additional hassle, requiring renters insurance can bring numerous benefits both to landlords [...]
Home Insurance and Your Escrow Account
If you're considering changing your homeowners insurance company but have an escrow account, it's essential to understand the process and potential challenges that may arise. While having an escrow account can add complexity to the task, switching insurance providers seamlessly doesn't have to be complicated. In this blog post, we'll walk you through the steps [...]
What Do You Mean It Has A Salvaged Title?
When purchasing a used car, it's crucial to understand its history and condition clearly. A term that often arises during this process is a "salvaged vehicle title." In this blog post, we will delve into the concept of a salvaged title, explaining what it means, how a vehicle obtains one, and its implications for potential [...]
What Does My Home Insurance Cover?
A standard homeowners policy typically covers perils such as fire, theft, and weather-related damage, but there are many other perils that homeowners should be aware of. Fire Damage Fire damage is one of the most common perils a homeowners policy covers. This includes damage caused by wildfires, lightning strikes, and electrical fires. Fire damage can [...]
The Difference Between Equipment Breakdown Coverage and A Home Warranty
The landscape of homeownership can be confusing, with various safeguards available to protect homeowners from the financial implications of unexpected damage or loss. Equipment breakdown coverage and home warranties each play unique roles. Equipment Breakdown Coverage Equipment breakdown coverage is an add-on or endorsement to a traditional home insurance policy that specifically covers the cost [...]
A Hidden Danger For Small Business Owners
Most small businesses rely heavily on technology for their day to day operations. So what happens if a cyber breach shuts down their system...and how can they be protected? In today's digital age, small businesses increasingly rely on technology. While technology brings numerous benefits, it also exposes businesses to the risk of cyber threats. Cyberattacks [...]
The Benefits of OEM Coverage
Auto insurance is a crucial financial protection for drivers, as it can provide coverage for accidents, theft, and other incidents that may damage or lead to the loss of a vehicle. However, not all auto insurance policies are created equal, and drivers need to understand the different types of coverage available, including OEM coverage. What [...]