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Can Roommates Get Renters Insurance Together?

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. 

Common Situations Covered By Motorhome Insurance

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.

Does RV Insurance Cover Theft of Personal Property?

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. 

Contact Us

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. 

How to discover new roads for a motorcycle ride and adventure?

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.

Safety Supplies for Your Boat

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:

First Aid

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. 

Life Jackets

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. 

Survival Supplies

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.

How Does Umbrella Insurance Work?

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

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. 

Do you need flood insurance if you already have homeowners insurance?

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.

Why Life Insurance is a Smart Choice for Homeowners

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! 

Auto Insurance Claims: How to File and What to Expect

Car accidents can happen to anyone at any time. When you are involved in an accident in the Omaha, NE area, it can be a very stressful experience. However, if you have prepared yourself beforehand by knowing how to file an auto insurance claim with Insurance Solutions LLC, it can help ease some of the stress. 

Steps to Take After an Accident

The first thing you need to do after an accident is to make sure you are safe. Call for medical help if anyone is injured. Once everyone is okay, you should collect information about the other driver, such as their name, address, phone number, driver’s license number, and insurance information. Take pictures of the damage to both vehicles and the accident site. Contact your insurer as soon as possible to report the accident, even if you are not at fault.

How to File an Auto Insurance Claim

Most insurance companies have an online portal where you can file a claim. Make sure you have all of your information about the accident and your policy number ready before you start the process. You will need to fill out a claims form and submit it along with any supporting documentation, such as the police report, pictures, and witness statements. You may also need to provide proof of loss, which is typically an estimate of the costs to repair or replace your vehicle.

What to Expect During the Claims Process

After you file a claim, the insurance company will assign a claims adjuster to investigate the accident and assess the damages. This process can take several days or even weeks. During this time, the insurer will communicate with you about the progress of your claim and any paperwork you need to provide. Once the adjuster evaluates your Omaha, NE claim, they will determine if your policy covers the damages and, if so, the amount of payment you will receive.

We Are Here To Help

At the end of the day, filing an auto insurance claim can be a complicated process, but being prepared can make it more manageable. By knowing the steps to take after an accident, how to file a claim, and what to expect during the process, you can ensure that you are adequately compensated for any damages or injuries resulting from an accident. If you have any questions about your policy or the claims process, be sure to contact us at Insurance Solutions LLC for assistance. 

Renters Insurance Protects Your Personal Property

Are you a renter in the Omaha, NE area? If so, Insurance Solutions LLC can provide you with the insurance all renters need.

What is renters insurance?

It protects your personal belongings against loss or damage and protects you in case someone is injured while on your property. The premiums are very affordable, averaging between $15 and $30 per month, depending on your location, the size of your rental unit, and your possessions.

Remember that your landlord’s coverage is for the structure of the building. It will not insure your personal property. Some people assume that their owner/landlord has insurance coverage that protects them against loss, therefore choose to go without this coverage.

Your personal possessions that you have worked hard to acquire should be insured against damage or loss. If your home or apartment becomes uninhabitable due to damage, some policies will cover the cost of a hotel and other living expenses.

There are two basic renters insurance policies:

  • The broad form covers personal property against events such as theft or fire. This is more commonly purchased. Typical coverage under this type of insurance covers damage from lightning, fire, smoke, explosion, theft, vandalism, and water-related damage from property utilities.
  • The comprehensive form provides more extensive coverage for a variety of events unless specifically excluded by the insurance policy. The premiums for this policy could be higher. If you live in an area prone to flooding or violent storms, you will need to purchase a policy that addresses this concern.

Reach Out To Us

Make sure your personal possessions are protected. For just a few dollars a day or less, you can ensure that if something happens in your rental unit, you will be able to replace all your belongings.

Insurance Solutions LLC in Omaha, NE can provide a quote or answers to any questions you may have. Contact us today.

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