| Copyright 2005 Bisarek Insurance Agency, All rights reserved |
| Bisarek Insurance Agency |
| Omaha 402-505-3414 Lincoln 402-730-8243 |
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Bisarek
Insurance Agency
Insurance Agency
Insuring the present to protect the future
Generally, you should contact your agent about reviewing your coverage
whenever you change something significant about your home or its
contents, for example: When you put on an addition to your home When you
start a business from your home When you make a major purchase, such as
jewelry, a computer, a boat or other recreational vehicles
Why do I need homeowners insurance?
For most of us, our home is the single biggest asset we will invest in.
Homeowners insurance provides coverage for your personal belongings,
coverage for damages to the structure of your property, and liability
coverage which pays for bodily injuries and property damage to other
people if you are liable.
Am I covered against losses due to fire, lightning, tornadoes, wind
storms, hail, explosions, smoke, vandalism and theft?
Yes. Typically, your homeowners insurance covers a large number of perils,
including all those listed. There are some limits, however, on the amount of
insurance you have so you should always consult with your local agent.
Does Homeowners insurance provide protection against floods?
No. Flood insurance is only available from the National Flood Insurance
program but can be purchased from your Agent.
A pipe bursts and water flows all over my floors. Am I covered?
Yes. Typically, homeowners insurance covers you for accidental discharge
of water from a plumbing system. Check your plumbing and heating systems
once a year. While you are covered for this type of damage, who needs the
mess and hassle?
Preventing Water Damage Tips
Am I covered for earthquake damage?
No. Earthquake coverage is available as an additional coverage to the
homeowners policy. To determine whether you should purchase this
insurance, talk to your local Farmers agent. In earthquake prone areas, the
cost of this insurance is relatively high. In other areas, it is relatively
inexpensive
A neighbor slips on my sidewalk and threatens to take me to court
for damages. Does my homeowners policy protect me?
Yes. Homeowners insurance will pay for damages, if the accident is the
result of your negligence. It will also pay for the legal costs of defending you
against a claim. Also, the medical payments part of your homeowners policy
will cover medical expenses arising from an injury to a neighbor or guest.
Your agent Should periodically review your policy limits to help ensure you
have adequate coverage.
During a storm, a tree falls and damages my roof. Am I covered?
Yes. Your homeowners policy covers the damage to your roof. You are also
covered for the removal of the tree, up to a $500 limit depending on the policy.
Is my jewelry covered by my homeowners policy?
On a homeowners policy, there is limited, standard coverage available for
your jewelry. In most cases, you will need to purchase a Personal Articles
Floater, which extends protection for your jewelry when its value is higher
than the limits stated in your homeowners policy. Your agent can help
determine if you need to purchase Floater coverage.
whenever you change something significant about your home or its
contents, for example: When you put on an addition to your home When you
start a business from your home When you make a major purchase, such as
jewelry, a computer, a boat or other recreational vehicles
Why do I need homeowners insurance?
For most of us, our home is the single biggest asset we will invest in.
Homeowners insurance provides coverage for your personal belongings,
coverage for damages to the structure of your property, and liability
coverage which pays for bodily injuries and property damage to other
people if you are liable.
Am I covered against losses due to fire, lightning, tornadoes, wind
storms, hail, explosions, smoke, vandalism and theft?
Yes. Typically, your homeowners insurance covers a large number of perils,
including all those listed. There are some limits, however, on the amount of
insurance you have so you should always consult with your local agent.
Does Homeowners insurance provide protection against floods?
No. Flood insurance is only available from the National Flood Insurance
program but can be purchased from your Agent.
A pipe bursts and water flows all over my floors. Am I covered?
Yes. Typically, homeowners insurance covers you for accidental discharge
of water from a plumbing system. Check your plumbing and heating systems
once a year. While you are covered for this type of damage, who needs the
mess and hassle?
Preventing Water Damage Tips
Am I covered for earthquake damage?
No. Earthquake coverage is available as an additional coverage to the
homeowners policy. To determine whether you should purchase this
insurance, talk to your local Farmers agent. In earthquake prone areas, the
cost of this insurance is relatively high. In other areas, it is relatively
inexpensive
A neighbor slips on my sidewalk and threatens to take me to court
for damages. Does my homeowners policy protect me?
Yes. Homeowners insurance will pay for damages, if the accident is the
result of your negligence. It will also pay for the legal costs of defending you
against a claim. Also, the medical payments part of your homeowners policy
will cover medical expenses arising from an injury to a neighbor or guest.
Your agent Should periodically review your policy limits to help ensure you
have adequate coverage.
During a storm, a tree falls and damages my roof. Am I covered?
Yes. Your homeowners policy covers the damage to your roof. You are also
covered for the removal of the tree, up to a $500 limit depending on the policy.
Is my jewelry covered by my homeowners policy?
On a homeowners policy, there is limited, standard coverage available for
your jewelry. In most cases, you will need to purchase a Personal Articles
Floater, which extends protection for your jewelry when its value is higher
than the limits stated in your homeowners policy. Your agent can help
determine if you need to purchase Floater coverage.