April, May, and June are the primary months of tornado season, and since Nebraska is part of Tornado Alley, it's important you take precautions during springtime. One of the most important precautions is to make sure your homeowners insurance is up-to-date and contains the coverage you need. Below is a discussion of what you need to know to protect yourself and your assets with homeowners insurance this season.
What Is Homeowners Insurance?
Home insurance is a type of property coverage that protects you against financial loss if your home is damaged or destroyed by fire, storms, or vandalism. It also covers your belongings and protects you against theft and liability.
What Does Homeowners Insurance Not Cover?
Typically, most basic homeowners policies do not cover floods, earthquakes, or sewer backups. However, if you are concerned about these hazards, you can purchase a rider, or specific coverage for an additional premium amount. If you live in a floodplain, for instance, a rider could be important.
What About Flood Damage Caused by Tornadoes?
If a tornado throws a large tree branch through your roof and rain floods your house, your homeowners insurance company will not deny your claim even if you don’t have a flood insurance rider. Most policies cover damage caused by water that falls from the sky, whether it’s snow, sleet, hail, or rain. However, if your home is affected by an overflowing river or rising lake in the aftermath of the storm, you will need a flood rider for protection.
Although homeowners insurance is particularly important during spring because of the chance of tornadoes and floods, it is an essential expense year-round. To discuss your coverage options with an experienced professional, contact First State Insurance Agency. For your convenience, they maintain offices in Beatrice, David City, and Hickman, NE, and they also offer home, business, life, and car insurance. Visit their website for location details and office hours, or call (402) 979-7585 to request an insurance quote.