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Most Popular Coverages in Nebraska

What is an independent insurance agent?

Home insurance provides a backup plan in case a catastrophe strikes in the neighborhood. Whether it's a fire, high winds, or a burglary, it's covered by a suitable homeowners insurance policy in Nebraska. Home insurance will pay for repairs to the home and replacement of belongings, pay for someone else's injuries on the property when it's the homeowner's fault, and may pay for temporary living expenses if the home is so badly damaged that it's uninhabitable. 

Nebraska residents pay lower than average rates for car insurance. The average cost for car insurance nationwide is $1,311. In Nebraska, residents pay an average of $1,086 per year. That doesn’t mean there isn’t still room for big savings. The best rates can be found by comparing quotes from multiple companies before choosing a policy.

Last year, small businesses in Nebraska made $76.1 billion. What happens if a client files a liability claim against a business and they don't have insurance? Or an employee is injured while on the job, but a business skimped on worker's comp coverage? Without insurance, business claims have to be paid out of pocket, meaning they have to be paid out of a business’s revenue.

Under the Nebraska Workers' Compensation Act, there are two ways in which employers may comply with the law. They can purchase a worker's compensation insurance policy from a private insurer licensed by the Nebraska Department of Insurance to write worker's compensation insurance. Or they can apply to the Nebraska Workers' Compensation Court and obtaining the court's authorization to self-insure.

Restaurants in Nebraska need three basic types of insurance: property, liability, and employee coverage. Keep in mind that each type of insurance has sub-types of more specialized insurance depending on the type of restaurant and the services offered. Many restaurants have added policies for delivery and buffet services. Food spoilage is also a popular add-on policy for restaurants.

Life insurance is all about preparing for the unexpected. It is important for everyone to think about how their dependents would fare if they  were to meet an untimely demise. If they are married, they may want enough coverage so their spouse can afford to keep the family home. If they are a parent, they are likely to want to ensure that their children are well cared for and that they have many of the opportunities they might otherwise need to forgo due to lack of funds.

While the state may be located smack-dab in the middle of the country, it's still an active member of Tornado Alley and at risk for some other events that require a good insurance package.  What kind of risks? Well, the most common hotel insurance claims in Nebraska include: tornado and hail damage, fire damage, liability claims, data breaches, and business interruption claims. 

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