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Does RV Insurance Offer Add-Ons?

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RV insurance, also known as recreational vehicle insurance, protects your vehicle in a similar way to car insurance. It’s important for RV owners to understand the various coverage options before selecting a policy.

Coverage Options

Recreational vehicle insurance offers the same type of coverage as many auto insurance policies in Omaha, NE. Limited liability is designed to meet legal requirements. It often covers other vehicles or property damage and may cover bodily injury to another person. However, you’ll be responsible for damage to your RV.

Collision and comprehensive coverage are also options. Collision coverage typically covers accidents with another vehicle, such as if an RV gets into an accident while on the road. Comprehensive coverage handles accidents or damage that doesn’t involve another vehicle, such as accidentally backing into a pole. Some comprehensive policies cover natural disasters, but this depends on the specific policy from Insurance Solutions LLC.

Add-On Coverage

Many companies offer add-ons to make traveling less stressful. Roadside assistance is a common add-on. If your RV breaks down, this coverage may include towing your RV to a nearby mechanic. Some policies provide additional coverage for comprehensive coverage to cover natural disasters.

Specific add-ons are available for people who use an RV to travel. Vacation liability coverage may cover losses if you’re on vacation and your RV is parked. Full-time RV coverage offers more protection for families who use an RV for full-time living. Emergency expense coverage may kick in to cover hotel expenses if your RV breaks down.

There are several add-ons you can include in an RV insurance policy to ensure it suits your needs. Customer service agents at Insurance Solutions LLC will work with you to understand what you use your RV for to help you create a personalized policy. We’re currently serving the Omaha, NE area.

Touchscreens On Motorcycles are Raising Concerns

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Many might argue that motorcycle riders need to be more attentive and perhaps even defensive on the roads. Motorcycles inherently carry a greater risk of accidents causing serious injury and damage. For these reasons, motorcycle owners in the Omaha, NE, area turn to the professional and experienced team at Insurance Solutions LLC for all their motorcycle insurance needs.

Concerns Over Touchscreens On Motorcycles

Today, more motorcycles are equipped with touchscreen options, and more affordable touchscreen attachment options are available. While some may not see any issue with this developing trend, others are starting to raise concerns. Those who believe that riding motorcycles demands more attention than operating other vehicles fear that touchscreens could be an unnecessary distraction.

Are touchscreens for motorcycles a bad idea? Could touchscreens make bike riding safer, or are they a potentially deadly distraction? While the answers to these questions remain unclear, one thing is certain: motorcycle insurance is the protection you need when you ride.

Motorcycle Insurance for Omaha, NE Riders

If you live and ride in the Omaha area and have questions about or need motorcycle insurance, we can help. Contact us to find out more and schedule an appointment today for the motorcycle insurance solutions you need and deserve at Insurance Solutions LLC.

Does Boat Insurance Cover Personal Property Inside the Boat?

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Do you enjoy boating on Carter Lake? Many do. Summer weekends at Carter Lake are jam-packed with happy boaters and other water lovers who take advantage of this pristine location near Omaha. As a responsible boat owner, you probably want to ensure you’re covered with boat insurance, which you can get with Insurance Solutions LLC serving Omaha, NE. Every policy should be carefully read, but one of the most common questions we’re asked is if boat insurance covers personal property inside the boat.

Personal Property May be Covered

Most standard boat insurance policies include some level of coverage for personal property. However, coverage limits and exclusions vary, so you must review your policy carefully. For instance, high-value items like expensive fishing equipment or specialized electronics may not be fully covered unless additional riders or endorsements are added to your policy. Policies also define what qualifies as personal property and may exclude certain types of items, such as cash, jewelry, or items used for business purposes. The best thing to do is, if you don’t see your valued items covered, you may want to get with us to review available supplemental coverage.

How Coverage is Applied Matters

It’s also essential to consider how personal property coverage is applied. Some policies cover items damaged, stolen, or lost only while on the boat, while others may extend coverage to items in transit or stored elsewhere, such as in a dock locker. Additionally, you should verify whether your policy offers replacement cost coverage or depreciated value coverage for personal items, as this affects how claims are settled.

If your personal property is essential to your boating activities—and most people have at least some valuable personal property aboard—it is vital to discuss your needs with your insurance rep at Insurance Solutions LLC, serving Omaha, NE. Contact us to learn more.

Why the Need for Umbrella Insurance Increases After Age 40

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Has your Insurance Solutions LLC agent offered you umbrella insurance? If you declined in your 20s or 30s, but they ask again when you turn 40, you might wonder why. Your Omaha, NE, agent did listen to you, but they know that financial needs change as we age. Here’s why they asked if you want to add umbrella insurance when you turn 40.

Umbrella Insurance Protects You from Paying Settlements Out of Pocket

Secondary umbrella coverage increases your liability coverage. If you incur liability for any reason, such as causing a car accident or libeling someone, it pays out after you exhaust your liability coverage in your primary policy.

A Fictional Example of How Umbrella Insurance Helps

Let’s say John Doe, 25, causes an auto accident in Omaha, NE, that injured five people. He carried auto coverage with minimum liability coverage and no umbrella coverage. The accident settlement cost $75,000. His policy covered $50,000; he paid $25,000 out of pocket by emptying his savings and retirement accounts. Doe’s young, though, and he doubles his savings and retirement deposits for a few years to pay himself back.

Consider what happens if Doe causes the accident when he’s 45 or 55, though. Now, he doesn’t have 40 years to pay himself back. He has to make up that $25,000 and the interest he’d earn on it in 10 or 20 years.

How Umbrella Insurance Helps

After a person turns 40, they have less time to recoup money paid out of pocket to cover a settlement. If they want to retire by age 65, they may not have time to pay themselves back for what they spent. With umbrella coverage, the insurance pays the settlement up to the coverage limit. Most umbrella policies start with $1 million of coverage, which provides more than enough to cover most settlements.

Contact Us Today

Don’t wait to add umbrella coverage. Call or phone Insurance Solutions LLC today to buy your policy.

Is Flood Insurance Effective Immediately After Purchasing?

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Purchasing flood insurance is an important step toward protecting your home and belongings. Since most homeowner’s policies don’t cover flooding, you must purchase separate coverage. The time a flood insurance policy becomes effective can vary, depending on the type of policy you select.

What Is the Waiting Period?

There may be confusion regarding when flood insurance is available after purchase. This is probably because there are generally two types of insurance. These include flood insurance purchased through private insurance and coverage through FEMA. With FEMA insurance, which is through the federal government and is called the National Flood Insurance Program (NFIP), there is a 30-day waiting period before the insurance takes effect. It will not cover a flood in progress. The waiting period for flood insurance purchased through a private carrier is sometimes two weeks. This may vary, however, among different insurance companies.

When Is There No Waiting Period?

There are some exceptions for waiting periods. If you decide to purchase flood insurance at the same time as you get a mortgage, extend, or renew your mortgage, there usually is no waiting period. If the community flood map in your area changes, you’ll only have to wait one day for your coverage to start. However, this only applies if your property gets mapped into a higher flood zone within 13 months of buying your flood insurance.

Choose Insurance Solutions LLC in Omaha, NE

You need to partner with a professional insurance team that can provide you with the right flood insurance to meet your needs. At Insurance Solutions LLC, we offer various insurance options. Contact an agent serving Insurance Solutions LLC in Omaha, NE, today for more information.

Four Reasons To Get Term Life Insurance When Your Family Is Young

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Do you have a young family? Do you worry about what would happen to your family if something happened to you? The professionals at Insurance Solutions LLC, servicing Omaha, NE, can help. We assist customers in finding term life insurance that can meet their needs and provide them with peace of mind.

Term Life Insurance: A Safety Net for Your Family

Term life insurance is a safety net that can support your beneficiary in the event that you pass away. Term life insurance pays out a sum of money when you die. That money can be used to pay your mortgage, medical bills, school tuition, and more. If the unexpected happens, this can help your family maintain their quality of life.

Peace of Mind with Term Life Insurance

Worry can keep parents up at night. Life insurance can help alleviate concerns about what would happen to your family if they didn’t have you.

Term Life Insurance: A Practical Choice

Term life insurance is a type of life insurance that only lasts for a specific period. During that period, the premiums stay the same for most policies. Many people find that term life insurance is more affordable than other types of life insurance, which makes it a practical option for families on a budget.

Building Up Savings with Term Life Insurance

Although term life insurance only lasts for a limited duration, this gives you time to build up savings that you can leave to your loved ones when you pass. If you’re unable to build up that savings and want more life insurance when the term is up, Insurance Solutions LLC, servicing Omaha, NE, will be here for you. We can help you find the right type of life insurance for you and your family.

Why Carrying State Minimum Insurance Could be Risky

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Just like every other state in the U.S., Nebraska has financial responsibility laws for its drivers. Typically, these laws mandate drivers to maintain a minimum level of auto insurance, often called "state minimums." These laws are instituted to ensure that all drivers have at least some level of protection.

At Insurance Solutions LLC, located in Omaha, NE, we frequently receive requests for state minimum coverage. However, the ‘one-size-fits-all’ concept of state minimums might not be the safest bet for every situation. Here’s why.

The state minimums assign an equal level of protection to all drivers. However, you may possess more assets than other drivers. You might own a more expensive car, have more investments, savings, and a higher-value home. Thus, more of your assets could be at risk.

Additionally, you may want to consider value-adds when purchasing auto insurance. For example, you may find coverage for rental cars beneficial and deem insurance against uninsured drivers prudent.

You could overlook These layers of protection by solely opting for state minimum coverage.

Investigate Your Nebraska Insurance Options

Many drivers opt for car insurance coverage without exploring options or comprehending the price disparity between protection levels. This can be likened to entering a restaurant and ordering the cheapest meal without glancing at the menu. 

You might find that escalating coverage levels are highly affordable and provide a worthwhile sense of security.

The real question should not be about the minimum coverage but rather about securing the best coverage value for your money. We are here to assist you with that.

Reach Out to Insurance Solutions LLC in Omaha, NE

We can guide you through your options while keeping you within budget. Embarking on this journey merely requires a click or a phone call. We eagerly await the chance to assist you in finding the optimal coverage for your needs.

Should You Share a Renter’s Insurance Policy with Roommates?

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At Insurance Solutions LLC in Omaha, NE, we help renters with and without roommates protect their rental units against liability and more. When you live with a roommate, sharing a renter’s insurance policy for convenience or reducing living expenses can be tempting. Although sharing a renter’s insurance policy might seem like a good idea at first glance, you should consider whether that option is right for you.

What Is Renter’s Insurance?

Renter’s insurance may protect renters against liability, reimburse some of the costs associated with stolen valuables, and potentially cover damage related to disasters. Renter’s insurance differs from landlord’s insurance by protecting the tenants rather than landlords. Some leases may require it, but even if they don’t, it’s wise to have coverage before you need it rather than wish you purchased it when it’s too late to use it. Every renter’s insurance policy is different, so you should look at your specific policy to know what it does and doesn’t cover.

Should You Share a Renter’s Insurance Policy with Roommates?

When you have roommates, sharing a renter’s insurance policy can be less than ideal. When you have the same renter’s insurance policy as a roommate, the limits might not be enough to cover both of your needs. Additionally, if you and your roommate have valuables that need coverage, you may not be able to cover the total cost of replacing all the valuables if they’re stolen. To avoid risking a situation where your liability expenses exceed your renter’s insurance policy limits, you should get an individual insurance policy.

Contact Us Today

To help you cover your apartment, call our office at Insurance Solutions LLC in Omaha, NE.

Comprehensive Motor Home Insurance: What is and isn’t Covered

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Comprehensive motorhome insurance can give you peace of mind by covering a wide range of incidents. However, it’s crucial to remember that even a comprehensive policy doesn’t cover every conceivable mishap during a trip. Knowing precisely what is and isn’t covered helps you make informed travel plans to avoid a difficult situation.

What Does Comprehensive Motorhome Insurance Cover?

Comprehensive motorhome coverage compensates you if your RV is damaged due to a natural disaster, fire, or vandalism. It also covers the theft of your motorhome as well as the loss of personal belongings in your motorhome. However, coverage limits can vary depending on the policy you purchase and the deductible you set for your policy. If your motorhome is brand new or expensive, you’d want to ensure your policy provides full replacement cost. This ensures you’ll be compensated for the amount you paid for your vehicle, not the depreciated value when it was lost.

What Isn’t Covered by Comprehensive Motorhome Insurance?

Comprehensive motorhome insurance isn’t a replacement for other forms of insurance coverage. It doesn’t offer compensation for collision-related damage and typically doesn’t cover regular wear and tear or mechanical failures. If you’re planning a long trip, consider adding roadside coverage to your comprehensive policy. It ensures that you’ll get professional help if your vehicle breaks down on the road.

Contact Insurance Solutions LLC in Omaha, NE Today

Insurance Solutions LLC serves motorhome owners in and around Omaha, NE. We offer multiple policy options, competitive deals, and expert advice to help you select the right coverage for your vehicle. Call us today to find out more or to get a policy quote.

Understanding Deductibles and Policy Limits in RV Insurance Claims

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Around Omaha, NE, navigating RV insurance claims requires a solid understanding of deductibles and policy limits. These elements significantly impact how much you pay out-of-pocket and the total compensation you receive.

What Are Deductibles?

Here is a prime example: if your deductible is $500 and your RV sustains $3,000 in damage, you will pay $500, and your insurance company will pay $2,500. Deductibles can vary based on your policy and can affect your premium rates.

Impact of Deductibles on Claims

Understanding your deductible is crucial when filing a claim with your insurance company. Ensure you have the funds available to cover it in case of an accident. Knowing your deductible amount helps you plan financially and avoid surprises during the claims process. It’s also essential to know that some policies may have different deductibles for different types of coverage, such as collision or comprehensive.

What Are Policy Limits?

Policy limits are the most your insurance company covers for a loss. These limits are set when you purchase your policy and can vary based on the coverage type. For example, your liability coverage may have higher limits than your comprehensive coverage. Policy limits ensure that your insurer has a cap on the amount they are obligated to pay, protecting them from huge claims.

Understanding Policy Limits in Claims

When an RV insurance claim exceeds your policy limits, you are responsible for the remaining costs. For example, if your policy limit is $50,000 and your claim is $60,000, you must cover the additional $10,000.

Insurance Solutions LLC Helps Guide You

Insurance Solutions LLC will help guide you and show you how RV insurance can save you money in the long run. Our team proudly serves the Omaha, NE, area. Contact us today.

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