Nebraska Insurance All Your Needs in One Place

Homeowners insurance in Nebraska protects your home from various disasters, including fire, lightning, wind damage, vandalism, and more. Coverage in Nebraska is similar to what's included in policies across the country. These are the four main coverages included in home insurance:

• Structural coverage: Your home's structure or dwelling is covered if it gets damaged or destroyed by a peril like fire, falling objects, vandalism, etc.
• Personal property coverage: Your personal property, like clothing, silverware, etc., is covered if it gets stolen, lost, damaged, or destroyed by a covered peril like theft, fire, etc.
• Personal liability coverage: Your personal liability and legal costs are covered if you get sued for claims of bodily injury or personal property damage by a third party.
• Additional living expenses coverage: Your additional living expenses if you have to stay somewhere else while your home is being repaired after a listed disaster are covered, including hotel rooms and more.

Since Nebraska can be prone to severe storms and flooding, you may also need to add flood insurance to your home insurance policy. Home insurance doesn't cover damage caused by natural flooding disasters, such as hurricanes, so you'll need additional flood coverage. 

You can find a good home insurance plan by talking to a local independent insurance agent. 

Residents in Nebraska pay less for their car insurance than those in other states. Car insurance in Nebraska costs an average of just $1,086 per year, while the current national average is $1,311 per year. Nebraska overall ranks as the state with the 38th-least expensive car insurance rates. 

Talk to an independent insurance agent in Nebraska to find the best coverage for you.

Last year, businesses in Nebraska paid out $3,632,370,000 in commercial claims. Without the right coverage, these businesses would have had to take these losses completely out of their own pockets. Having business insurance in Nebraska can help reimburse businesses for lawsuits, vandalism, stolen inventory, cyberattacks, and much more. 

You can find a business insurance plan that works for you by contacting a local independent insurance agent.

Most businesses in Nebraska are required to carry workers' compensation by state law. Workers' compensation in Nebraska is required for any business with employees, regardless of full or part-time status. Independent contractors do not have to be covered by workers' comp. This coverage can reimburse businesses after incidents of employee injury or illness caused by the job or work environment. 

You can find a workers' compensation plan that fits your needs by talking to a local Nebraska independent insurance agent.

Restaurant insurance in Nebraska provides the protections needed by all businesses, so commercial property insurance, commercial vehicle insurance, workers' comp, etc. However, there are a couple of specific coverages needed by businesses in the food industry, so you'll likely also find these in your restaurant insurance policy:

• Spoilage coverage: This coverage can reimburse for spoiled food and other inventory after a power outage.
• Equipment breakdown insurance: This coverage can reimburse for repairs or replacement to large equipment like boilers after a covered disaster like a fire.

If you're looking for restaurant insurance in Nebraska, contact a local independent insurance agent.

Life insurance in Nebraska has many possible uses, but it's mainly designed to help cover the policyholder's end-of-life expenses. The policyholder chooses a beneficiary to list on their policy, and this person will receive the death benefit payout from the policy after the policyholder dies. Life insurance death benefits can be used to help a surviving spouse pay for regular expenses, to set aside money for children's college tuition, to make a charitable donation, or to cover outstanding debts like a mortgage. 

You can find a life insurance plan that fits your specific needs by working with a local independent insurance agent.

Umbrella insurance in Nebraska is combined with a policy you already have, such as boat insurance, commercial general liability insurance, or home insurance. This coverage increases your liability coverage to a limit of greater than $1 million since umbrella insurance is sold in increments of this amount. This additional liability protection can help drastically improve your chances of covering all of a major lawsuit's costs. 

No matter what you need to cover with an umbrella insurance policy, you can find a plan that works for you through an independent insurance agent.

Renters insurance in Nebraska covers your personal property, liability, and additional living expenses. It's a lot like a homeowners insurance policy, except it doesn't provide coverage for the exterior of the building you live in. This portion of the property is the landlord's responsibility, and so it's covered by their landlord insurance. 

Renters insurance plans can vary widely, and an independent insurance agent can help you find a plan that fits your needs.

Commercial vehicle insurance in Nebraska is used to protect company vehicles and other vehicles used for business purposes. Coverage can reimburse for physical damage to the vehicle after a number of disasters like collision, fire, or vandalism, as well as liability costs if an employee gets involved in an accident or other incident involving a third party using the company vehicle. This coverage can also replace company vehicles if they get destroyed or stolen. 

If you need commercial auto insurance for your business, an independent insurance agent can help you find a plan.

There's no such thing as a one-size-fits-all insurance policy. With a wide variety of products and options at your disposal, you might need help from a professional to choose what you really need.

Independent insurance agents in Nebraska can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best insurance companies in Nebraska to find you the right coverage at a great price.