Introduction

The Insurance Complaints Division of the Nebraska Department of Insurance investigates policyholder complaints against insurance companies and insurance agents. If you have an insurance-related concern and you file a complaint, the Insurance Complaints Division will investigate the matter.

What the Insurance Complaints Division (ICD) Can Do

ICD works to assist policyholders and promote compliance with Nebraska insurance laws.

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".

Water Backup

Protects against water damage from sources like backed-up sewers and drains

Equipment Breakdown

Covers the repair or replacement of household equipment like HVAC, water heaters, appliances, and electrical panels

Identity Fraud

Reimburses you for costs like legal fees, lost wages, and replacing ID's related to restoring your identity

Flood Insurance

Characteristics of Your Home

Many aspects of your home will determine the amount of premium you pay. This includes:

Deductible

This is the money you have to pay out-of-pocket on a claim before the policy pays the loss. This applies to coverage for your home and personal property and is paid on each claim.

For example, if your roof sustains damages worth $10,000 and you have a $1,000 deductible, you are responsible for $1,000 of the total. Your insurance company will evaluate the other $9,000.

Replacement Cost versus Actual Cash Value

This will determine how much your insurer pays after a loss.

As a note, flooding is NOT covered under a homeowners insurance policy. These are coverages under typical policies. Make sure to read your policy for specific coverages and/or exclusions.

Broad Form (HO-2)

With a broad form policy, your home is protected from:

Your homeowners insurance helps protect your home, belongings, and you financially when unexpected damage or injuries occur. Types of coverages homeowners insurance policies may include are:

Dwelling

Pays for damage to your house and structures attached to your house. This includes plumbing, electrical wiring, heating systems, and permanently installed air-conditioning systems. Coverage applies when these parts of your home are damage and need repair or replacement.

Other Structures

Protect your assets

Homeowners insurance covers the structure of your home and personal property. In addition, it also protects you from personal legal responsibility to other or their property while they are on your property.

Satisfy your mortgage lender

Mortgage lenders typically require you have insurance as long as you have a mortgage and list them as the mortgagee on the property. If you let insurance lapse, your mortgage lender will likely have your home insured.