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Spring 2018 Personal Lines Newsletter



Spring 2018

In the news: 

  • Quotes for Canines Helps Save Lives
  • Nebraska Premiums Are on the Rise
  • Insurance 101: What Should You Know When Hiring a Contractor
  • Getting Ready to Move: Tips for Home Sellers

Quotes for Canines Helps Local Rescue Groups
Watch our video below to learn how quoting your home and auto or business can earn donations for your favorite nonprofit dog rescue groups.


Meet our team and Minnie, one of the many rescue dogs we are working to help find new homes for.
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Nebraska Rates on the Rise
But Still Better Than Average

Last year’s storms cost insurers millions in claims paid to customers. Unfortunately, those payouts are translating to higher premiums in 2018.

Insurance companies are bound by law to pay on any covered loss they insure. If there is a bad storm year or anytime they pay out more in claims than they collect in premiums, the companies will have to recalculate their risk, which usually means increased premiums for insureds.

Luckily Nebraska didn’t suffer as bad as states like Texas and California, but it’s always a good idea to check annually and make sure you have the right coverage for your needs.

Be sure to let your agent know right away if you purchase a new car, get high value items including jewelry, electronics, or sporting goods, or if you are moving or getting married.

Another important factor in claims being on the rise seems to be distracted driving. Car insurance rates are getting higher every year due to the increase in accidents and the repair costs – even things that seem small can be hundreds if not thousands of dollars.

Using devices like a smartphone, trying to load a DVD for kids in the backseat, or trying to pull up directions on your navigator can be a be dangerous distractions and can lead to accidents. We encourage you to turn off all handheld devices when driving.

One of the great things about working with an independent agent is you get the benefit of being able to check multiple companies to find the best rates. Call your agent if you have any questions or concerns.

Want to read the full article? Click the link below.

Link to Article
What Should You Check When Hiring A Contractor?

Winter is winding down and as Spring fever hits, you might be planning to get a home improvement project started.

In the excitement to turn dreams of a new deck or bathroom remodel started, figuring out if your contractor is right for the job might be the last thing on your checklist.

Typically most people rely on word of mouth and a Google search to check and make sure a contractor is qualified. But do you know what licensed, bonded, and insured means when you’re looking at hiring a professional to do work on your home?

A quick recap:

  • Insured: Liability insurance covers damage to other people and their property. If a repair person damages your property through an accident, negligence, or causes harm, their liability coverage kicks in to pay you recompense.Ask to see their current Certificate of Liability and be sure to check the expiration date.
  • Licensed. Licensing refers to any specific state licenses that a contractor or other skilled trade professional carries to comply with certain requirements.
  • Bonding:  a bond carries an extra measure protection for the consumer. A bond is really just a promise from the contractor they will comply with the terms of the job contract.

Not all contractors are required to carry all three but all contractors should carry general liability insurance. The links below take you to state specific resources to get more information on registered contractors and more. 


NE Department of Labor

Iowa Division of Labor

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Want to know more? Follow the link for the full story.

Link to Full Article

Despite the new laws passed giving homeowners a smaller tax write off, 2018 is still primed to be another record year for home sales.

Additionally due to the high prevalence of storms last year, new home builds in less critical areas slowed meaning inventory is tight.

If you’re thinking this is a good time to put your house on the market you might be right!

But of course before you sell you might need to spruce things up a bit. Home updates that are trending include:

  • Hardwood flooring – if you have carpet covering up existing hardwood you should consider removing. Buyers will pay more for hardwood.
  • Tile – repair or replace cracks or chips and clean grout for aesthetics.
  • Wallpaper – it’s got to go. Buyers want fresh paint so even though you love that flowery look you chose 20 years ago, make sure you take it down before showing your home. 
  • Bathrooms – money invested here is nearly 100% recouped according to The Updates including new fixtures and paint go a long way to impressing buyers.
  • Roofs –  An older roof or one with multiple layers may prohibit your buyers choice of insurance carriers and that can hold up the sale of your home. 

If you’re thinking of hosting an open house, follow the link below for tips on protecting yourself and your property.

Open House Safety Tips


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