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
3 Factors That Impact Farm Insurance Premiums, David City, Nebraska
As a farm owner, you want to protect your property from the unexpected. However, to get the best possible deal on farm insurance, you need to know which factors influence the cost. A...read more
How to File a Claim After a Spring Storm, David City, Nebraska
Spring has arrived in Nebraska, which means that thunderstorm and tornado season has begun as well. While you hope winds, hail, and lightning won’t affect your house, your homeo...read more
5 Types of Auto Insurance Your Policy Should Include, David City, Nebraska
Most states legally require drivers to carry some form of auto insurance. However, when you start shopping for coverage, you will quickly find there are a number of options available...read more
What Kind of Insurance Does a Small Business Need?, David City, Nebraska
Every small business faces a number of potential threats, from weather and fire to lawsuits and theft. To protect your company and give you peace of mind, you need a busine...read more
3 Aspects to Consider When Comparing Insurance Quotes, David City, Nebraska
Your home insurance policy protects your most valuable asset, while also extending an umbrella of coverage over every aspect of your life. Whether you’re buying a home or it’s time t...read more