Skip to content
Click to Call
Insurance Solutions of Omaha

17055 Frances St
Suite 101
Omaha, NE 68130

Get Directions

Insurance Solutions of Omaha Blog

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

Posted on by admin

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

Posted on by admin

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?

Posted on by admin

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

Posted on by admin

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

Posted on by admin

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.

Motorcycles and Insurance: What You Need to Know

Posted on by admin

Owning your own motorcycle provides a great way to travel and save money. However, getting the most out of your motorcycle ownership requires making intelligent decisions, including insurance decisions. Here at Insurance Solutions LLC, serving Omaha, NE, and the surrounding areas, we can help you make those smart choices. Here are a few things you need to know about motorcycle insurance.

Required By Law

First, you need to be aware that motorcycle insurance is required by law. A motorcycle isn’t a recreational vehicle like some other things. It’s considered a street-legal vehicle and requires adequate, minimum insurance coverage. If you fail to keep the proper coverage on your bike, you can face stiff legal and financial consequences. 

Needed to Protect Your Investment

Buying a motorcycle is a significant expense, and you want to do everything you can to protect your investment. If you’re in an accident, even just a single-vehicle accident, and your bike is damaged or totaled, the cost of repairs or replacement of that bike will come out of your pocket. This could create a financial hardship, especially if you depend on the motorcycle as you remain the method of transportation. You can protect your investment by purchasing the proper motorcycle insurance.

Helps Avoid Legal Consequences

A motorcycle is a higher-risk vehicle than a car or truck, so insurance is even more important. Suppose you fail to keep proper insurance, and you damage another vehicle or cause injuries to someone. In that case, you will be held legally responsible for the expenses of the property damage or their medical expenses. Insurance can help pay for these expenses.

If you’re seeking motorcycle coverage, please get in touch with us today at Insurance Solutions LLC, serving Omaha, NE, and the surrounding areas.

Now’s the time to take a closer look at your boat policy

Posted on by admin

If you own a boat and live in Omaha, NE, or one of the surrounding communities, you can count on the Insurance Solutions LLC team for all your policy needs. We understand how much enjoyment having a boat can bring to your life and how important it is to protect your investment. Contact our office today to learn more about the boat policy options that are currently available in our area or to have us review your current policy.

Get ready for boat season with a policy review.

The right boat insurance policy can help prevent headaches down the road, especially if your craft is involved in a mishap. It’s important to closely examine your policy before you get your boat out on the water each year. This step will help you recognize any gaps in coverage that may develop due to changes in the way you use or store your boat.

Don’t be caught without the protection you need. The right policy can also provide features like coverage when you’re towing your vessel to the water or when it’s stored in a dry dock. Now’s an ideal time to sit down with your local agent to review your current and future needs and assess the appropriateness of the boat policy you currently have. 

We’re here to help you protect your boat!

Insurance Solutions LLC is proud to serve the insurance needs of residents in the greater Omaha, NE, area. If you have questions about your boat policy or another type of insurance, we’re here to help. Call our office or stop by today to learn more about our friendly and helpful services.

We look forward to seeing you soon!

Tips for Making Umbrella Insurance Claims Easy

Posted on by admin

The umbrella insurance claim process doesn’t need to be as overwhelming or challenging as it’s often made out to be. Here’s a simple guide designed to help streamline the process and alleviate potential stress.

Tip #1: Furnish All Required Information

Different incidents require different sets of information. Always make sure to submit all the relevant data to your primary insurance firm. A comprehensive and accurate set of information raises the odds of your claim getting a favorable verdict. Upon approval, the umbrella insurance kicks in automatically after your primary insurance has reached its limit.

Tip #2: Get in Touch With Your Umbrella Insurance Provider

It’s advisable to call your umbrella insurance provider right after filing your claim with your primary insurer. Umbrella insurance policies differ, and some may not initiate without your prompt. Early engagement ensures swift handling of your claim so you can swiftly move past the incident.

Keep the Process Simple and Stress-Free

As demonstrated here, the umbrella insurance claims process can indeed be hassle-free. Filing the claim with your primary insurer, furnishing pertinent information, and keeping your umbrella insurer duly informed are key steps toward that end.

Your Search for a Reliable Insurance Partner Ends Here

For residents of Omaha, NE looking for a dependable insurance company, look no further. At Insurance Solutions LLC, we’re keen to welcome you to our family of clients. Whether you’re local or out of state, we offer extensive coverage types tailored to your needs. Reach out to us today for a quote.

Floods are Destructive, Flood Insurance can Help

Posted on by admin

Smart homeowners everywhere understand the value of having flood insurance because when it comes to our homes, prevention can save money, time, and headaches. That is also why Omaha, NE, homeowners turn to Insurance Solutions LLC for all their flood insurance needs. 

In addition to the risks and damage floods can cause, they are also expensive. According to one Forbes report, "… the average cost of water damage restoration is between $1,300 and $5,600." And that doesn’t count the cost of repairing water-damaged items or replacing items destroyed or lost in the flood.

Flood Insurance for Recovery from the Flood

Floods are destructive. Flood insurance can help. From the expense of cleaning up after a flood to repairing damage to the home, flood insurance eases the burden and expense of flood recovery. 

And when our valuables are damaged, flood insurance can pay for repairs. Unfortunately, floods can destroy or wash away items we value or treasure. The good news, however, is that those items can be replaced with the right flood insurance coverage.

Sometimes floods come without warning, and even when we have alerts, there is little anyone can do when Mother Nature rears her mighty head. Fortunately, what we can do is prepare for even the most turbulent waters with flood insurance solutions.

For the Flood Insurance Solutions You Need

If you are a homeowner in or around the Omaha, NE, area, and have questions about flood insurance or are looking for flood insurance coverage, our experienced and professional team at Insurance Solutions LLC can help. Contact us to learn more and get the flood insurance you need and deserve today.

How Does My Recent Divorce Affect My Life Insurance Needs?

Posted on by admin

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.

  • AllState
  • Battle Creek Mutual
  • Columbia
  • Donegal
  • Encompass
  • Farmer's Mutual of Nebraska
  • Foremost
  • IMT
  • Liberty Mutual
  • Nationwide
  • Progressive
  • Safeco
  • The Hartford
  • Travelers

Insurance Quotes
as easy as

  • 1

Getting Sarted

Begin your quote by clicking on the get started button below.

  • 2

Providing Information

Fill in the form to help us provide you with the best possible quote.

  • 3

Acquiring Your Quote

Our system will evaluate your information and quickly present a quote.

Get to Know Us

Our Services

Servicing States

  • Nebraska
  • Iowa
  • South Dakota
  • Missouri
  • Kansas

Testimonials