David City, Nebraska
594 N 4th St.
David City, NE 68632
(402) 367-3177

How Homeowners Insurance Protects Your Home From Spring & Summer Storms May 9, 2018

David City, Butler
How Homeowners Insurance Protects Your Home From Spring & Summer Storms, David City, Nebraska

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?

Homeowners insuranceTypically, 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.

Other Announcements, Events and Deals from First State Insurance Agency
What Factors Affect Car Insurance Rates?, David City, Nebraska
Nearly every state requires drivers to carry some form of auto insurance. This is a protective measure that safeguards motorists from liability and helps ensure that those involved i...read more
3 Ways to Lower Auto Insurance Rates for Teen Drivers, David City, Nebraska
The day your teen passes their driving test is exciting for everyone. However, with new-found freedom comes an added expense in the form of auto insurance. In some states, addin...read more
4 FAQ About Crop Insurance, David City, Nebraska
Crop insurance is a worthwhile investment for farmers because it assures security during unforeseeable misfortunes. Events like droughts, floods, and natural disasters can be tr...read more
A Brief Guide to Flooding & Crop Loss in Nebraska, David City, Nebraska
In Nebraska, the agricultural industry is king. Crops alone bring in an average of $22 billion to the state economy each year. So what happens when natural disasters threaten th...read more
4 Common Mistakes Small Business Owners Make, David City, Nebraska
Whether preparing to launch a startup or operating a company for several years, it’s typical for small business owners to make some mistakes along the way. Errors can affect your bot...read more