The weather in the Midwest has been very severe in the recent past with 2011 as the worst year ever for homeowners insurance losses. It is very difficult for insures to make even a slight profit, which makes it even more important to work with an independent insurance agent with access to many different insurers.
Sewer and drain backups happen frequently, but many basic policies provide no coverage for this and many insurance agents due a poor job of offering this additional coverage to their clients.
Policies with those options typically cost more than policies without them. The only way to benefit is you have an accident or claim.
One out of seven Nebraska drivers has no insurance. Thousands more have the state minimum of auto liability insurance. If one of them injures you or your family, it’s critical that you have a high limit of uninsured motorist coverage to pay for your lost wages and other economic losses.
We live in a very litigious society and many attorneys make a very good living suing people who cause accidents. If you have significant assets to protect, purchasing an umbrella is an excellent idea and it only costs about $150 per year.
Independent agents have access to multiple, high quality insurance companies and therefore often can find a significantly superior value for their clients.
If you cause an accident resulting in a serious injury or death, $100,000 doesn’t go very far. There is a very good chance you’ll get sued and you could lose everything you’ve worked to build.