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Home Insurance And Homeowners Insurance In Nebraska

Your home is probably your biggest purchase. We compare Nebraska carriers and explain homeowners insurance in plain words, so you know what your policy usually covers and what it does not.

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What Is Homeowners Insurance?

Homeowners insurance is a policy that protects your house, your belongings and you. It can help pay to repair the home after a covered loss, such as fire, wind or theft.

Most people who own a home need it. A mortgage lender usually requires it, and it also guards your savings. Renters, condo owners and landlords need different forms, so we help match the form to the home.

A standard policy usually includes the structure, other structures like a garage, personal property, extra living costs and personal liability. Flood and earthquake are often left out. It depends on your policy and carrier.

We are an independent agency, so we can ask many carriers for options. We explain deductibles, limits and exclusions in plain words, and we help you compare policies before you choose.

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What A Home Policy Can Include

A home policy has several parts, and each part answers a different question. These examples show what the main parts can do, though details depend on your policy and carrier.

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    Damage To Your House

    Dwelling coverage can help repair or rebuild the home after a covered loss like fire or hail. Wind and hail rules in Nebraska can vary, so we ask carriers about them.

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    Your Belongings

    Personal property coverage can help replace furniture, clothing and electronics after a covered loss. Some items have limits, so we go over valuables with you.

  • A visitor in a coat steps toward a front door up a wet porch step at dusk, with the porch light on., illustrating homeowners insurance cost

    Liability Protection

    If a guest is hurt at your home, liability coverage can help with medical bills and legal costs. We explain how limits work and when to consider more.

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    Garages And Outbuildings

    Detached garages, sheds and fences are often covered under other structures. We can check how much coverage a carrier offers for them on your property.

Independent Means Choices

We work with many insurance carriers, so we can compare home insurance options for coverage, service and price. Everyone does not get the same policy.

  • A family of four adults at a kitchen table reviewing an insurance policy beside house keys and a car key, from Asset Shield, an independent agency for homeowners insurance

    Coverage

    Home policies are not all alike. We compare dwelling limits, deductibles, roof terms and endorsements, so you can see where one carrier covers more or less than another.

  • A friendly insurance agent at a desk talking on the telephone with a headset in a bright office, from Asset Shield, an independent agency for homeowners insurance

    Service

    You can call us when you buy a home, finish a remodel or have a claim. We explain next steps in plain words and stay in touch with the carrier.

  • A calculator, a pen and an open notebook on a clean desk beside a cup of coffee, from Asset Shield, an independent agency for homeowners insurance

    Price

    The cost of homeowners insurance depends on the home, its age, location, deductible and claims history. We gather several quotes so you can compare price next to coverage.

What We Check Before We Shop Carriers

Before we ask for quotes, we learn about your house. Age, size, roof, heating and building materials all affect how a carrier looks at it, and they help set the amount needed to rebuild.

We also ask what you own and what you hope to protect. That can include valuables, a home business, or a pool, so the policy fits your real life.

  • Age, size and building materials
  • Roof age and condition
  • Current coverage and deductible
  • Valuables worth listing separately
  • Mortgage lender coverage requirements
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The Omaha Nebraska downtown skyline across the river at blue hour with glowing city lights, from Asset Shield, an independent agency for homeowners insurance

Tell Us What You Want To Protect

We will find out more about you, your home and your vehicles, compare carriers and come back with options.

  1. 1 Tell Us What You Own
  2. 2 We Compare Carriers
  3. 3 We Come Back With Options
Get A QuoteCall (402) 880-5569