Divorce in Nebraska affects your life insurance needs in several important ways, especially if the judge grants your spouse an order of support. The expectation in that event, according to Nebraska’s laws, requires life insurance coverage to continue, with your former spouse as the beneficiary. If the court does not grant support, however, you do not have to keep your former spouse covered under the policy, nor would your estate pay any death benefits.
How long does my ex-spouse’s rider stay valid?
As per legal requirements of Nebraska, your spouse’s rider continues until you notify your insurance provider. You may email, mail, or hand-deliver written notice of your divorce to our main office at Insurance Solutions LLC in Omaha, NE. Once received, we will write your new policy ASAP.
When does my spouse have to start paying their part of the premium?
Your spouse will begin paying their premium as of the date we receive notice that your divorce is final if they intend to continue their policy with us. Notify us in writing as soon as possible so that we bill the correct person. Speak with our agents here at Insurance Solutions LLC, in Omaha, NE about your options.
What steps will allow me to remove my ex-spouse as a beneficiary from my life insurance?
You cannot remove your ex-spouse as a beneficiary in Nebraska if the court determines that you must continue supporting them. However, if no order of support exists, we will stop billing you for their policy. Instead, after your spouse lets us know they wish to continue their life insurance coverage separately from the current policy, we will write new policies for you both and discuss all changes.
The chance to drive as a teen is exciting for many and a source of worry for many parents. At Insurance Solutions LLC, we help parents in Omaha, NE navigate the additional costs of insurance for a young driver here. We also recognize that, as the NE Department of Insurance notes, driving is a high-risk activity for inexperienced young drivers, and avoiding serious or fatal accidents is important. Managing your financial costs and exposure is important, as well as creating a realistic structure for teenage driving. That means considering factors like whether you add a driver to your family car, purchase an additional car for the young driver and insure it separately, or work with your child to earn the money for their vehicle and insurance.
In other words, raising a young driver is both a parenting challenge, as well as a matter of changes in your insurance premiums. We’ll be glad to help with the latter and help you limit your family’s financial exposure. After all, many insurance companies consider drivers under age 25 to be a higher risk, even if they have a clean driving record.
Preparing Young Drivers After Years of Gaming
Parents and their young drivers face challenges like transitioning from simulated driving in video games, with unrealistic settings and vehicle operation, and a lack of real-world consequences such as speeding tickets and accidents. Over-focusing on texting also makes being a safe young driver a challenge. Young drivers in Omaha, NE may get a school learner permit at 14, a learner’s permit at 15, and a provisional operator’s permit or POP at 16, when they begin to make unsupervised decisions. Our Insurance Solutions LLC team can help you with pointers toward teen driver educational resources that can help parents guide them.
Getting renters insurance with a roommate might seem to make sense. When sharing a kitchen, common living room, and often food, why not also share an insurance policy? After all, you could split premiums and pay half. While it’s true that getting renters insurance together would let you split premiums, this is generally advised against for a few different reasons.
Renters Insurance: Making An Independent Choice
Renters Insurance Fits Your Budget
One of the primary misconceptions is that renters insurance is costly, thus necessitating a shared policy to save money. Renters insurance is generally affordable, though, and can easily fit into the budgets of most renters in Omaha, NE. To see how affordable it is, we at Insurance Solutions LLC can help you check policies.
You Control the Features of the Policy
With your own policy, you control the coverage deductibles and limits. Purchasing one with your roommate requires that you both agree on these terms, and your roommate might want less coverage than you.
Getting Paid for a Claim Could be Delayed
Sharing a renters insurance policy with a roommate can lead to complications if you need to file a claim. Both policyholders must agree on the details of the claim, which can be difficult if there’s a falling out between you and your roommate. It also could be minorly delayed if your roommate leaves Omaha, NE later and is difficult to reach. If they don’t sign papers promptly for any reason, your claim payment could be delayed at a time when you especially need it.
Your Roommate’s Claim Could Increase Your Future Rates
If your roommate files a claim, it could increase the premiums for both of you. Even if the claim is only for your roommate, your future rates would likely rise.
Get Renters Insurance
If you’re in Omaha, NE and need renters insurance, contact us at Insurance Services LLC today.
Motorhomes are a home away from home for many individuals and families in Omaha, NE. They can be the catalyst for countless memories, from multi-week road trips to weekend getaways. But unfortunately, disasters can strike at any time. When they do, it’s important to have the right insurance coverage in place to protect your finances.
With so many coverage options and policy types, it can be hard to know what you can expect from your insurance provider. Luckily, the team here at Insurance Solutions LLC can help.
Accidents Involving Other Vehicles or Property
Motorhomes are a major investment, and when they are involved in an accident, the repair costs can be overwhelming. Fortunately, collision insurance is one of the most common forms of coverage for motorhomes and is available with countless deductible and monthly premium options. This type of policy can help you avoid paying for the total cost of repairs to your motorhome and the other cars or property involved out of pocket.
Natural Disasters and Other Events
With weather patterns becoming increasingly unpredictable, damage from wind, hail, debris, flooding, and more is likely to become more common. To make matters worse, some individuals learn that the broken windshield on their motorhome caused by a tree limb isn’t covered by their insurance because they only have collision coverage. That’s where comprehensive policies come in. They can pick up where your collision or liability policy leaves off and provide increased protection in the event of a natural disaster.
We Are Here To Help
If you own a motorhome in Omaha, NE and need help finding the right insurance policy, Insurance Solutions LLC can help! We’ll work with you to find the right coverage for your needs without breaking the bank.
If you plan to rent an RV to set out on the road to adventure or spend quality time with your family, you’ll want adequate insurance to cover the RV and your property. If you would like to learn more about RV insurance, you can count on Insurance Solutions LLC to provide top-quality insurance products and services to the Omaha, NE area residents.
RV Insurance Coverage
When you rent your RV, the rental company may offer RV insurance. The policy they provide may not be enough coverage and may not cover your personal property. Some RV insurance policies cover the RV in terms of liability and other potential add-ons and may also include theft of personal property. However, each insurance policy is different, so it’s essential to understand the terms and conditions and have a helpful insurance agent explain what is and what is not covered to avoid surprises and losses due to covered risks.
Our team can work with you to determine which policies offer the best coverage and security for your particular needs. We strive to also provide you with information and education about the terms and conditions of each policy, so you can make an informed choice. Our commitment to customer service doesn’t end with the policy sale. We continue to offer our services for changes and claims submission during the policy’s lifetime.
If you want to secure an RV policy or learn more about the other products and services we offer at Insurance Solutions LLC, contact us today. We look forward to serving the residents in and around the Omaha, NE area.
Discovering new roads and adventures for your motorcycle can be exhilarating for those who love the open road. If you are looking to explore a new journey, Insurance Solutions LLC in Omaha, NE offers this guidance on the ways to discover new routes for riding adventures.
In addition to family and friends recommending a motorcycle adventure, the following are other ways to discover a new scenic and motorcycle-friendly journey:
Discovering New Motorcycle Adventures
Application & Online Route Planner
There are several options, including the motorcycle mode on Google Maps and Scenic, among others. In addition, check out GPS Navigational Devices, some of which are designed specifically for motorcycles.
Online Motorcycle Forums/Meet-ups/Clubs
Fellow riders often love sharing their insights and favorite rides, so tap into their experience.
Travel Guides & Motorcycle Magazines
Motorcycle magazines and travel guides often have featured articles highlighting great riding options.
Attend Motorcycle Events/Rallies/Shows
This place is great for connecting with like-minded riders and learning about hard-to-find rides.
Tourist Information Centers
Most states and localities set up tourist info centers or bureaus that offer insight and maps about the area, including available tourist sites and scenic rides. Most local chamber of commerce offices also offer online info regarding scenic journeys.
Road Atlases & Maps
Regional road atlases that are specifically designed for motorcyclists often emphasize lesser-known bike rides.
National/State Park Roads – Historic Byways
The country’s national and state parks provide motorcyclists with incredible and stunning natural landscapes.
Schedule A Consultation Today!
For more information regarding the ways to protect you and your motorcycle, contact the insurance professionals at Insurance Solutions LLC in Omaha, NE. We look forward to solving your insurance requirements and needs.
If you are a boat owner, the safety of your passengers should be a top priority. One of the ways you can keep your passengers safe is by having the right safety supplies on board before you ever set out. Here at Insurance Solutions LLC serving Omaha, NE we want to help you get the most out of your boat ownership.
Learn more about boat safety supplies:
Some of the most important safety supplies that you will need to keep stocked up on your boat will be first aid supplies. You should have a marine-grade first aid kit on board that is up-to-date and adequately stocked. If you do not provide adequate first aid on your boat, you could be held liable for injuries, especially if you are unable to properly care for a passenger’s injuries before getting them back to land.
As a boat owner, you also have a responsibility to provide life jackets for your passengers. Although there are no clear-cut laws governing this practice, you should be aware that if someone is injured because they didn’t have a life vest available on your boat, you could be held liable for their injury or death. This is a very serious matter that you should not take lightly.
Another thing that you should keep in mind when stocking up your boat would be survival supplies. If you and your passengers are stranded for some reason on your boat, you will need food, water, and blankets. You can never predict exactly what might happen when you take your boat out which is why you need to be prepared.
Reach Out To Us
If you would like to learn more about boat insurance or any of our other insurance products, please contact us at Insurance Solutions LLC serving the greater Omaha, NE metroplex.
It’s always good to have as much insurance coverage as you can in case of serious incidents. When you have a home policy and an auto policy, you may need an additional policy to improve the coverage you have. This type of policy is called umbrella insurance. It’s an extra policy that can be added on top of the other two for better coverage.
When you want to be prepared in case of serious accidents, you need an umbrella policy. Call us at Insurance Solutions LLC in Omaha, NE to find out more.
Liability coverage is extremely important. You should have enough of it to pay for a serious accident. These accidents can have sky-high medical and other bills. When you get umbrella insurance, it adds extra liability protection on top of the protection you get from your home and auto policies. Those two policies often don’t have very much liability coverage in them. With umbrella insurance, you add an enormous amount of liability coverage onto both policies at once. This will allow a very expensive accident to be paid off by insurance.
A Worthwhile Investment
If you want extra liability insurance, why don’t you just add more coverage onto your home and auto policies directly? Many people don’t do this because it costs so much. It’s very expensive to add directly to your home and auto policies. However, umbrella insurance is very reasonably priced. It doesn’t cost much to get a large amount of coverage that may come in handy. An expensive accident can cost a lot, and you don’t want to be left to pay for it from your own pocket.
Get Umbrella Insurance
If you need more liability coverage for your home and vehicle, give us a call at Insurance Solutions LLC in Omaha, NE to get started.
Floods are one of the most common and destructive natural disasters, yet many homeowners here in the Omaha, NE area don’t realize they need extra protection from them. Home insurance typically doesn’t cover flooding, so if you live in an area that’s susceptible to flooding, it’s important to get flood insurance in addition to your regular home insurance policy.
Even if your home isn’t located in a high-risk zone for floods, it can still be a smart idea to get flood insurance from Insurance Solutions LLC as unexpected floods can occur anywhere.
Importance of Flood Insurance
Flood insurance can help protect you from the high costs of property damage, loss of personal items, and other flood-related emergencies. It’s important to understand what is and isn’t covered by your policy so that you’re adequately protected no matter what happens. That way, if a flood does occur, you can be sure that you’ll have the coverage you need.
In addition to protecting you against property damage, flood insurance can also help protect against the costs of repairing or replacing items due to water damage caused by a flood. This includes furniture, electronics, appliances, and other personal belongings that may be destroyed or lost in a flood. It’s important to note that many standard homeowners insurance policies don’t cover flood damage, so it’s important to make sure that your policy has the right coverage.
Reach Out To Us
The good news is that flood insurance is relatively affordable and easy to obtain. Contact us at Insurance Solutions LLC today to learn more about how you can protect yourself and your property with the added peace of mind of having flood insurance coverage! At Insurance Solutions LLC, we are proud to serve the Omaha, NE area.
Protecting home and family is a top priority for most of us, so it makes sense that Omaha, NE homeowners want to protect their home and family as much as possible. Getting life insurance adds another layer of financial protection that can help shield your family from the devastating effects of a drastic financial loss in the event of your unexpected passing.
Licensed insurance agents at Insurance Solutions LLC can help you choose the best life insurance policy for your needs.
Benefits of Life Insurance
Your home and family are protected when you have life insurance that can pay off large debts like your home mortgage without your loved ones having to bear the financial burden of meeting a monthly mortgage payment.
Protect Your Family’s Financial Future
The best way to protect your family’s financial future is to make smart financial decisions.
Make Cash Withdrawals and Get Debt Relief
Many people aren’t aware that life insurance policies can cover more than just the cost of funerals and final expenses for the deceased.
Get Peace of Mind When You Know Your Family is Protected
Life insurance acts as a financial security blanket that can help cover the cost of your children’s college education and pay off your mortgage.
Policies with cash value can be borrowed against or even withdrawn to supplement your retirement income.
Get a Life Insurance Quote Today
Don’t wait until it’s too late! Learn more about the benefits of life insurance and how much you can expect to pay for a monthly or annual policy. If you’re a homeowner in Omaha, NE and considering adding life insurance to your financial plan, contact a licensed insurance agent at Insurance Solutions LLC for a free life insurance quote!