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Does motorhome insurance cover mold and mildew?

Owning a motorhome is a great way to explore the open road, but it can also come with its own set of risks. One of those risks is damage due to mold and mildew. While motorhome insurance generally covers much of the damage that could occur while you’re on the road, there can be some confusion around what types of coverage are included when it comes to mold and mildew.

Insurance Solutions LLC takes a closer look at what Omaha, NE motorhome insurance covers in relation to mold and mildew so that you can make sure your vehicle is adequately protected. 

What Is Covered by Motorhome Insurance? 

When it comes to motorhomes, most standard policies cover physical damage such as theft, vandalism, fire, hail, windstorm, and other incidents related to these perils. The policy may also include liability coverage for bodily injury or property damage caused by any accident involving your motorhome.

In addition, many policies will include medical payments coverage for medical expenses incurred in an accident involving your motorhome. However, when it comes to mold and mildew damage, most policies do not cover this type of damage unless it is specifically listed in the policy as a covered peril. 

Does Motorhome Insurance Cover Mold & Mildew Damage? 

It depends on the individual policy since every insurer has different terms and conditions. Generally speaking though, most Omaha, NE policies do not include coverage for mold or mildew-related damages unless they are specifically listed as being part of the policy’s coverage limits.

But some insurers may offer additional coverage if you purchase a separate rider that provides specific protection against mold or mildew damage.

Get The Right Coverage For Your Vehicle Today

Contact Insurance Solutions LLC today and we can help you find the coverage you need.

Preparing your RV for winter weather

If you plan to travel during the winter months, it’s important to prepare your RV for the colder weather. This will help ensure that your vehicle stays in good condition so that you can enjoy a safe and worry-free road trip.

There are several things that you can do to get your RV ready for winter. Besides providing RV coverage for residents in the greater Omaha, NE community, our team of experts at Insurance Solutions LLC can assist you with tips for preparing your RV.

Some of these include:

1. Check all fluids, including engine oil, power steering fluid, transmission fluid, brake fluid, coolant, and windshield washer fluid. Make sure they are filled at the appropriate levels and replace any fluids as needed.

2. Inspect the tires on your RV and make sure that they have enough tread depth left to handle snow and ice – if necessary, consider getting winter tires.

3. Consider getting a set of tire chains to use in case you get stuck, especially if you live in an area that often gets snow or ice.

4. Inspect the wiper blades and replace any that are worn, brittle, or cracked. You’ll want to make sure that your windshield is clear and unobstructed at all times while driving in winter weather conditions.

5. Check your headlights to make sure they’re working properly and don’t have any foggy or yellowed lenses – this can greatly impact your visibility when it’s snowing or raining heavily outside. Additionally, consider installing fog lights on your RV if you know that you’ll be traveling through foggy areas during the winter season.

Get Coverage For Your RV Today

Preparing your RV for winter weather is an important task if you plan to do any traveling during the colder months. For more tips on how to care for your RV, call Insurance Solutions LLC today. We proudly serve the Omaha, NE area. 

Important safety tips for motorcycle riders

Insurance Solutions LLC is happy to provide motorcycle insurance coverage for our Omaha, NE clients. We also can offer related guidance on motorcycle safety tips.

Motorcycle riders need to be aware of the dangers that come with riding on the open road. In order to stay safe, there are a few basic precautions that everyone should take.

Here are a few tips to make sure you stay safe while out on two wheels:

1. Wear a helmet – this is the most important safety precaution you can take. A helmet can protect you from serious head injuries in the event of a crash. Make sure your helmet fits properly and is in good condition.

2. Make sure your bike is in good working order before taking it out for a ride. Check the tires, brakes, and oil levels before hitting the road.

3. Use reflective gear to make yourself more visible to other drivers. brightly colored clothing and reflective tape can help others see you better, especially at night or in low-light conditions.

4. Ride defensively and be aware of your surroundings at all times. always be aware of other cars and pedestrians, and be prepared to take evasive action if necessary.

5. Obey all traffic laws. Motorcycle riders are subject to the same traffic laws as car drivers, so be sure to know them and obey them at all times.

6. Drink responsibly if you’re going to be riding while intoxicated. Riding a motorcycle while impaired is extremely dangerous and can result in serious injury or death.

7. Take a motorcycle safety course to learn the basics of riding safely. A good safety course will teach you how to ride safely in different conditions, how to handle emergency situations, and how to avoid accidents.

Get Insurance Coverage For Your Motorcycle Today

For more motorcycle safety tips, call Insurance Solutions LLC today. We proudly serve Omaha, NE and surrounding areas. 

Do you have the right coverage in place to protect your boat this winter?

Omaha, NE area residents and boat enthusiasts can rely on the team at Insurance Solutions LLC for all of their insurance needs. Now is a good time to review your policy to make sure you have the storage protection you need. Contact our office today to find out more!

Make sure your boat is protected this winter

Owning a boat is a great way to spend time with friends and family during the warmer months. Now that boating season is over, it’s time to review your boat’s winter storage situation. For many people, this means taking the boat to the dry dock. For others, it means covering the craft and storing it outdoors at home. And, of course, there are a number of options in between. 

However you plan to store your boat during the off-season, make sure that it’s protected. Depending on which storage option you go with, your insurance needs could differ. You will want to have protection from losses due to fire, flood, theft, and vandalism, in addition to the coverage you need when your boat is actively used. 

Knowing that your boat is protected can make the off-season a lot less stressful. And, having the peace of mind that comes with knowing you have the right protection for your vessel will make the time waiting for the next boating season to start again a lot more pleasant!

We look forward to seeing you soon!

If you live in Omaha, NE or the surrounding area, turn to Insurance Solutions LLC for all of your insurance needs. We are proud to help our friends and neighbors protect their families and lifestyle with appropriate insurance. Give us a call or stop by our office today!

The Difference Between an Umbrella Policy and Other Forms of Insurance

Many people are under the impression that their home and auto insurance policies cover everything. However, there are certain instances where these policies will not provide coverage. That’s where an umbrella policy comes in.

At Insurance Solutions LLC, we want to make sure that our clients in Omaha, NE are fully protected.

Here’s a look at the difference between an umbrella policy and other forms of insurance:

What Is an Umbrella Policy?

An umbrella policy is extra liability insurance that provides protection beyond the limits of your homeowners, auto, or watercraft insurance policies. It kicks in when you’re sued for damages or someone is injured on your property. Umbrella insurance also covers certain defamation claims and false arrests.

Why Do I Need an Umbrella Policy?

You need an umbrella policy because it offers protection beyond the limits of your primary insurance policies. For example, let’s say you’re involved in a car accident that results in serious injuries to the other driver. If the other driver sues you, your auto insurance policy will cover some of the costs associated with the lawsuit.

However, if the damages exceed the limits of your auto insurance policy, you’ll be responsible for paying the rest out of pocket. This is where umbrella insurance comes in. It will cover the costs associated with the lawsuit up to the limit of your policy.

Umbrella policies also provide coverage for certain types of defamation claims and false arrests. If you’re ever sued for libel or slander, or if you’re falsely accused of a crime, your umbrella policy will help cover the costs associated with defending yourself in court.

How Much Coverage Do I Need?

The amount of coverage you need depends on a number of factors, including the value of your assets and how much risk you’re willing to assume. If you have significant assets, you’ll need more coverage than someone who doesn’t have any assets to protect. You should also consider how much risk you’re willing to assume. If you’re comfortable taking on a bit more risk, you can opt for a policy with lower limits.

Get Umbrella Insurance Today

At Insurance Solutions LLC in Omaha, NE, we can help you determine how much coverage you need and find a policy that fits your budget. Contact us today to get started.

What homes require flood insurance?

Residing in Omaha, NE carries a certain risk of flooding, typically caused by heavy rains that overtop levees. That might sound like coastal Louisiana, but in 2019 heavy rains washed out roads in Omaha and damaged homes. That spring, the state faced more than $1.3 billion in flood damage. Insurance Solutions LLC in Omaha, NE can help you navigate all your insurance needs, including flood coverage.

What homes require flood insurance?

Inland Nebraska carries some of the same risks as coastal areas, and for this reason, certain homes in Omaha and the surrounding areas require flood insurance under federal law. Insurance Solutions LLC wants you to understand when the federal government requires you to ensure your home against flood and when it simply makes a good idea to do so.

When You Purchase a Home

The law requires the seller to reveal that the home requires flood insurance. The Realtor typically includes this information in the listing along with the estimated cost of homeowners’ insurance.

If it doesn’t appear there, you’ll find the information in the home sales document. You should read these documents in detail before signing them so you know of any requirements. You can also look it up at your local county or city planning office.

When FEMA Re-draws Its Maps

The Federal Emergency Management Agency (FEMA) constantly researches flood areas in the US and draws and redraws its flood maps. By consistently updating its flood information, it improves the safety of the residents of an area by updating the maps and apprising them of the need to institute better flood preparations.

Flood Damages Your Home

When your home incurs flood damage, if you weren’t already required to carry the insurance, that requirement may get added. You might also have to repair your home under certain conditions, such as raising it above the highest flood level. This could mean raising it on stilts, such as the beach houses on the east coast.

Give Us A Call

Contact Insurance Solutions LLC in Omaha, NE for more information on flood insurance. Let us help you obtain the coverage your home needs to remain legal and to cover potential losses in the case of a flood.

I’m Young And Healthy–Do I Really Need Life Insurance?

No one ever wants to think about death, especially when they are young and healthy. However, the reality is that accidents happen, and illness can strike at any time. If something happens and you don’t have life insurance, your loved ones will be left with a huge financial burden.

Here’s why everyone–young or old, healthy or not–should have life insurance:

1. Life Is Unpredictable

No one knows what tomorrow will bring. Even if you are in excellent health now, that could change in an instant. If you were to suddenly pass away, your loved ones would be left with a mountain of medical bills and funeral expenses. Life insurance can give your family the financial security they need during this difficult time.

2. You Have Debts and Responsibilities

If you have any debts–such as a mortgage, student loans, or credit card debt–life insurance can help your loved ones pay them off. You may also have other responsibilities, such as taking care of an aging parent or disabled sibling. If something happens to you, life insurance can give them the financial support they need to continue living their lives.

3. It’s Cheaper When You’re Young

The younger you are when you purchase life insurance, the cheaper it will be. This is because the insurance company knows that you are less likely to die than someone who is older. As you get older, your premiums will go up because the risk of death increases. Insurance Solutions LLC in Omaha, NE can help you find the perfect life insurance policy for your needs while it’s still cheap.

4. You May Grow Old and Sick

No matter how healthy you are now, there’s a good chance you’ll grow old and sick. Chronic illnesses catch up with most people when they start growing old so, you need to be ready. If you don’t have life insurance, your loved ones will have to bear the burden of your medical bills. Life insurance can help them pay for things like in-home care, assisted living, or hospice care.

Give Us A Call

As you can see, there are many good reasons to have life insurance–regardless of your age or health. If you need help finding the right policy for you, Insurance Solutions LLC in Omaha, NE can assist you. We will take the time to understand your needs and find a policy that fits both your budget and your lifestyle.

How Much Auto Insurance Do I Need?

There’s no set amount of coverage that you should have on your auto insurance policy. It depends on your situation, your age, and the type of car you have. 

If you’re buying a car, talk to your dealer and have them run the same check. For example, if you’re unlucky enough to have a claim on a car that was insured by another company, their rates will likely go up. For inquiries in the greater Omaha, NE community, call the team at Insurance Solutions LLC. 

What to Know About the Auto Insurance 

If you live in a large city and drive very little, you may only need a minimum amount of liability coverage, such as $100,000 per person, and $300,000 per accident. If you drive a lot and live in a rural area, you may need more coverage than if you lived in a large city. 

For example, if you live in a rural area and drive 10,000 miles per year, you may need $500,000 of liability coverage per person, per year. You want to ensure that you’re covered in case of a claim, but also realize that a high liability policy will cost you more in the long run. 

Typically, the minimum amount you need depends on your age and where you live. The older you get, the more likely you are to hit the minimum — and the more you will likely pay for a policy that does not cover you. A 20-year-old low-risk driver in a low-risk geographic area can likely get by with $100 a year in liability coverage. 

Contact Us Today

The best way to determine the amount of coverage you need is to start by contacting your auto insurance provider. To ensure you purchase the right amount of coverage, it’s a good idea to start by reading your policy. Confer with Insurance Solutions LLC for expert assistance in Omaha, NE.

How Much Auto Insurance Do I Need?

There’s no set amount of coverage that you should have on your auto insurance policy. It depends on your situation, your age, and the type of car you have. 

If you’re buying a car, talk to your dealer and have them run the same check. For example, if you’re unlucky enough to have a claim on a car that was insured by another company, their rates will likely go up. For inquiries in the greater Omaha, NE community, call the team at Insurance Solutions LLC. 

What to Know About the Auto Insurance 

If you live in a large city and drive very little, you may only need a minimum amount of liability coverage, such as $100,000 per person, and $300,000 per accident. If you drive a lot and live in a rural area, you may need more coverage than if you lived in a large city. 

For example, if you live in a rural area and drive 10,000 miles per year, you may need $500,000 of liability coverage per person, per year. You want to ensure that you’re covered in case of a claim, but also realize that a high liability policy will cost you more in the long run. 

Typically, the minimum amount you need depends on your age and where you live. The older you get, the more likely you are to hit the minimum — and the more you will likely pay for a policy that does not cover you. A 20-year-old low-risk driver in a low-risk geographic area can likely get by with $100 a year in liability coverage. 

Contact Us Today

The best way to determine the amount of coverage you need is to start by contacting your auto insurance provider. To ensure you purchase the right amount of coverage, it’s a good idea to start by reading your policy. Confer with Insurance Solutions LLC for expert assistance in Omaha, NE.

Types of commercial insurance most businesses can benefit from

When you own a business you face risks every day. Having the right commercial insurance can help to provide the protection you need to survive if you are hit with a covered peril. But what type of perils does your business face? The type of business that you have determines the things that are a risk to you. That is where your independent insurance agent comes in. At Insurance Solutions LLC in Omaha, NE, we have a team of insurance experts who are able to do a risk assessment of your business and help you to create a commercial insurance plan that is perfect for you. 

Types of commercial insurance most businesses can benefit from

Workers compensation

Workers compensation insurance is required in Nebraska. All employees must be covered. It doesn’t matter if they are full or part-time, temporary or seasonal. This is not only good for your employees, it is about you and your assets. 

Commercial liability coverage

This isn’t required by the state but it should be. Your business is at risk of being sued from the minute you open your door. Having a lawyer is expensive and fighting a case against you can drain your business. Why take the risk? About one-third of all businesses are sued in any given year, which is a pretty big risk to take on. 

Commercial property insurance

You may think you don’t need this because you are a renter. You are wrong. It covers so much more than just the building itself. No matter what type of business you have, you use things to operate it. These are the things that are covered by commercial property insurance. It can make a difference when you need to get back into business after your business is damaged. 

Contact Insurance Solutions LLC in Omaha, NE when you are ready to protect your business with commercial insurance.

 

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