How Auto Insurance Premium is Determined and How You Can Save
Driving Record
- Tickets, accidents, and violations can raise premiums while safe driving can lower your rates over time
Age, Gender, Marital Status
Important of Auto Insurance and Types of Coverage
Compliance with state laws
Nebraska has a minimum for auto insurance requirements. Driving without insurance could lead to fines and result in your vehicle being impounded.
Satisfy your lender
If you have a car loan, most lenders require you to have insurance. Usually, this mya include the requirements by state law and collision and comprehensive coverage.
Protect your Assets
Flood Insurance 101
Flood insurance through the National Flood Insurance Program (NFIP) includes two separate coverage types: Building and Contents. Each has its own premium and deductible and can be purchased through separate policies.
Building Coverage
This covers:
Insured Homeowners Protection Act
Nebraska's Homeowners Protection Act gives you key rights when working with contractors after a loss.
Quick Notification to Insurance Company
- Your contractor MUST notify your insurance company within 5 business days of signing your contract. This helps the company keep track of repairs and protects you from surprise claims or delays.
No Guarantees on Insurance Coverage
Post-Loss Assignments: What to Know Before Signing
What is a post-loss assignment?
A contract signed by the homeowner granting a contractor all rights and duties of the claim under an insurance policy. Once signed, the contractor owns and controls the claim without any input from the insured.
When is a post-loss assignment signed?
The steps for post-loss assignments go as:
Adjusters: What are My Options?
What is an adjuster?
An adjuster is a person who determines the amount of damage to your home and property, what can be repaired or replaced, and at what cost. The adjuster also reviews your insurance policy to see if the damage is covered, any dollar limits or deductibles that may apply, and explain your policy's coverage for the claim.
Types of Adjusters
After the Storm: Disaster Claims Process
Contact Insurance Provider
Report damages as soon as possible. Keep a log of all communications including names, dates, and topics discussed.
Prevent Further Damage
Emergency Preparedness: Organize Now, Recover Faster Later
Emergencies can happen with little warning. Taking time to prepare now can help protect your family, reduce damage to your property, and make recovery easier.
Build an Emergency Supply Kit
At minimum, basic supplies in a supply kit include:
Before the Storm: Don't Wait Until It's Too Late
Create Home Inventory
Complete an inventory of all your belongings to make the claims process easier. Include information such as:
Welcome to Medicare - Blair
Medicare can be a complicated topic.
