Q. Are the agent and insurance company licensed by the Nebraska Department of Insurance?
A. You are able to look up and see a company or agent's standing in Nebraska by going to our company and producer search page.
Q. How can I find out the claims history of my home before I buy it?
A. Claims on a home can indicate future risk. Multiple claims on a property could be deemed "higher risk".
Q. If I submit a claim, how will it affect my premium when I renew?
A. Claims are tracked and used for risk assessment. Not all claims are equal, and small claims can cost more in the long run.
Q. How will my credit history affect my premium?
A. Difference in premium between good or poor credit can add up to thousands of dollars a year. Ask if the insurance company relies on the metric.
Q. What is/isn't covered under my insurance? What are the coverage limits?
A. This can help avoid surprises, help you understand any exclusions to your policy, and make it easier to compare policies between companies if you are shopping around.
Q. How much coverage do I need for my personal property?
A. Knowing the exact coverage will keep you from being underinsured and assess if you need additional endorsements or coverages.
Q. How much liability coverage should I buy?
A. Default limits may be too low, and the total cost can be significant if a lawsuit occurs.
