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13520 Discovery Dr., Ste. 224
Omaha, NE 68137

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What does motorcycle insurance cover?

If you are a motorcycle owner, you need to protect your bike with motorcycle insurance. Just like with other types of insurance, motorcycle insurance has different types of coverage that you can have on your policy. What is required, and what types of motorcycle insurance coverage are available? Guardian Insurance is happy to assist bikers in Omaha, NE and the Midwest region with all their insurance needs and queries. 

What does motorcycle insurance cover?

Several things are included in motorcycle insurance if you have that coverage as part of your policy. Here are the types of motorcycle coverage that are available and what they cover:

Liability coverage

Most states require a minimum amount of liability insurance. There are two types of liability insurance: bodily injury liability and property damage liability. Bodily injury coverage provides compensation for medical payments, pain, and suffering for the other party if you cause an accident. Property damage liability coverage covers the cost of repairing the other party’s property/vehicle if you damaged their property in an accident you caused.

Comprehensive and collision coverage

If you cause an accident, your liability insurance pays for the other person’s expenses, but what about your expenses? This is where comprehensive and collision coverage comes in handy. Collision coverage pays to repair your motorcycle if you were responsible for the accident. Comprehensive coverage covers damage to your bike from something other than a collision, such as vandalism, theft, or natural disasters.

Uninsured/underinsured motorist coverage

In most cases, if the other party is at fault for an accident, they are responsible through their liability insurance. While collision coverage and liability coverage seem like all you need, sometimes the other party is at fault, and they don’t have enough or any liability insurance. In this case, uninsured or underinsured motorist coverage would take care of the damage the other party caused.

Medical payments coverage

While collision coverage covers your vehicle in an accident that you are responsible for, medical payment coverage pays for your medical bills that resulted from the accident.

Reach Out To Us Today

To get a quote for your motorcycle insurance in the Midwest, contact us at Guardian Insurance in Omaha, NE.

Does boat insurance cover damage that occurs in storage?

Whether you live on the water or are just an occasional sailor, securing boat insurance is a wise choice. But what exactly does boat insurance cover in Omaha, NE? Does it protect your watercraft if something happens while it’s in storage? Guardian Insurance is here to explain the basics of boat insurance in the Midwest and whether or not damage that occurs in storage is covered.

What Is Covered by Boat Insurance?

Boat insurance typically covers most types of accidents and damage that occur as a result of boating. This includes collisions, sinking, storms, fires, theft, and other events. Most policies also offer liability coverage for cases where your boating causes injury or property damage to someone else. 

Does Boat Insurance Cover Damage That Occurs in Storage?

Storage-related damage may be covered under some boat insurance policies depending on the cause of the loss and the specific terms of your policy. It’s important to read through your policy carefully to understand what types of losses are covered and which ones are excluded from coverage. Generally speaking, most policies will cover losses caused by fire, lightning strikes, hail storms, vandalism/theft, and explosion/collapse. 

Boats provide us with hours of fun in the water, but they can also come with risks—especially when left unattended in storage for long periods of time. Fortunately, boat owners in Omaha, NE have access to comprehensive boat insurance plans that can help protect their vessels from accidental damage related to storage in the Midwest.

Get The Right Coverage For Your Needs

To ensure your watercraft is fully protected during times when it is not being used for recreational purposes, speak with an experienced independent agent at Guardian Insurance about the details of your policy today!

Why you should consider an umbrella policy

Guardian Insurance in Omaha, NE has been serving Midwest residents with all their insurance needs. We often are asked about coverage options that go beyond the basics. Umbrella policies are an insurance option for homeowners and renters that can provide additional protection in the event of a lawsuit.

There are a number of reasons why everyone should consider getting one:

1. Lawsuits can be costly – Umbrella policies can help defray these costs and protect you from financial losses.

2. Many homeowners’ and renters’ insurance policies do not include liability coverage, so umbrella insurance is often necessary to fully protect yourself from lawsuits.

3. An umbrella policy is usually less expensive than purchasing separate liability coverage on your home or car insurance policy, making it an affordable way to get extra peace of mind when it comes to protecting yourself financially against potential lawsuits.

Umbrella policies are usually very affordable and provide a high level of financial protection without breaking the bank. They typically offer up to one million dollars in additional liability coverage on top of what is provided by your traditional home or car insurance policy. This extra coverage can be especially helpful if you have valuable assets that may need protection in the event of a lawsuit.

In addition to providing financial protection, umbrella insurance also offers protection against certain legal fees associated with defending yourself against a lawsuit. These legal fees can add up quickly; with an umbrella policy in place, you won’t have to worry about paying for them out-of-pocket if something unexpected happens.

Give Us A Call

If you’re looking for more information about umbrella insurance and whether it might be right for you, contact us today. At Guardian Insurance, we proudly serve both the Omaha, NE area and all of the Midwest. Give us a call today and explore your umbrella insurance options!

How much life insurance should I get?

When exploring your life insurance options, there are several considerations. One of the most important, however, is determining how much coverage you need. 

Guardian Insurance in Omaha, NE, serving the Midwest area, is here to provide you with a guide.

Here are a few things to think about as you explore getting life insurance:

First, what are your current and future financial obligations? Do you have dependents, such as children or a spouse who relies on your income for support? If so, you will need to take this into account when determining how much coverage you need. Other factors that can affect the amount of life insurance you need include your current health status, your age, and your current income level.

If you have children, another thing to consider when purchasing life insurance is whether or not they are currently enrolled in college. If they are, you will need to factor in the cost of tuition and room and board as you determine how much coverage you need.

Once you have a good idea of what factors will affect your life insurance needs, it’s time to start shopping around for the right policy. There are many different types of life insurance policies available, each with its own unique benefits and drawbacks. Some common options include term life insurance, whole life insurance, and universal life insurance.

When choosing a life insurance policy, it’s important to take the time to fully understand all of your options and how each policy will fit into your overall financial plan. Additionally, you should consider working with an experienced financial advisor or insurance broker who can help guide you through the process and find the right coverage.

Contact Us Today

If you have any questions, give Guardian Insurance a call today. We proudly serve the Omaha, NE area and all of the Midwest. 

What Should You Do After a Car Accident?

When you get into an accident, it is normal to feel overwhelmed and not know the next steps to take. Guardian Insurance in Omaha, NE serves Midwest residents with auto insurance and other coverages, and we have often dealt with our clients who call us after they get into a wreck. Based on our experience, we provide the following guidelines.

What Should You Do After a Car Accident? 

Your very first priority after a wreck has to be your own safety. Though it may be upsetting and you might be tempted to worry about financial concerns, the time of an accident is when you need to contact emergency personnel and inform them of any and all possible injuries. It may not be safe to move, and they can dispatch fire, police, and EMTs to see to the safety of all incoming vehicles and all injured parties. 

When possible, it’s necessary to collect information from the other driver or drivers, and this includes the names of insurance carriers, license plate numbers, vehicle identification numbers, and contact details, such as name, phone number, and address. You will need to provide these items to the other person or people as well. 

It’s also vital to speak to any witnesses and take down their information. If possible, take as many photos of the collision as you can. You may need to leave a note on the other car for the driver if it is not owner-occupied. Afterward, once everyone is safe, contact your Guardian Insurance agent to report the wreck. 

Make Sure to Have Your Vehicle Insured

All drivers are required by law to carry mandatory liability auto insurance in Omaha, NE, though many opt to carry additional coverages. The minimum basic policy can protect a Midwest driver from incurring costs related to damages suffered by other parties involved in an accident, such as medical bills and property damage, but will not extend to your vehicle and personal injuries. 

Omaha, NE requires you to obtain at least $25,000 in indemnification for an injured person in the event an accident is deemed to be your fault. Penalties will be incurred by Midwest motorists without insurance even if the collision is not caused by you.

Give Us A Call

Guardian Insurance provides a variety of coverage options, and we invite you to reach out today. We look forward to working with you. 

What Happens When My Employee Damages Customer Property?

At Guardian Insurance in Omaha, NE, we help businesses protect themselves from liability by providing expertly chosen insurance solutions to our clients in Nebraska and the Midwest. Read on to learn more about what can happen when an employee causes harm to your business and how we can help.

What Happens When My Employee Damages Customer Property?

As a company owner, it is often necessary to find employees to help run the business. Sometimes, those employees will act in ways that cause harm to the company and its customers.

When this happens, letting the incident slide can be tempting, hoping the damage is minimalized. However, doing so may result in greater liability for the company than if it had acted to prevent or remedy the situation.

Legal Ramifications When Employees Damage Customer Property

The first thing to realize is that every employee is an extension of your business. When an employee causes damage to a customer’s property, it is essentially the same as if your business caused the injury.

This means that the customer has a right to bring legal action against the company in question to recover the damages caused. This is true regardless of whether the employee was acting within the scope of their employment or not.

The cost of litigation is often prohibitive for a small business. A study released by the U.S. Chamber Institute for Legal Reform found that commercial lawsuits cost over $343 billion in 2018 alone. Small businesses accounted for 53% of all commercial cases filed that year. Many companies are one suit away from bankruptcy.

Protecting Your Business

Commercial insurance protects businesses from lawsuits by providing a financial response to a covered loss, such as the damage caused by an employee acting outside the scope of their employment. This type of coverage is essential for businesses that can’t usually handle the financial effects of a lawsuit and shutting down.

If you own a business in Nebraska or the Midwest, reach out to GGuardian Insurance in Omaha, NE today to learn more about commercial insurance.

The Eight Types of Home Insurance

When you visit Guardian Insurance for home insurance, you might experience a bit of surprise. You have eight types of home insurance from which to choose, although your type of home will reduce the choices.

In the Midwest, you won’t find much use for condo insurance (HO-6). Still, Nebraska does offer many single-family homes, and those require either dwelling insurance (HO-1), broad coverage homeowners policy (HO-2), a typical homeowners policy (HO-3), or an all-perils home policy (HO-5). Your home might also qualify for a historical home policy (HO-8).

Home insurance also covers other types of domiciles. For example, some insurance underwriters categorize recreational vehicle (RV) insurance, also referred to as motorhome insurance, among the eight types of home insurance. Others only consider mobile homes qualifying for a home policy (HO-7).

One type of home insurance, renter’s insurance (HO-4), provides coverage for those who rent their domicile instead of owning it. This coverage insures their belongings but not the physical structure, something covered under the landlord’s policy.

Choosing Home Insurance Coverage

If you own a single-family home, you must choose between HO-1, -2, -3, -5, or -8. Only a historic home or one of unique architectural value qualifies for a homeowners eight policy, though. With the first three choices, you need to understand named perils. That term refers to natural and man-made hazards that cause damage to a home, such as fire or tornado.

The three types of homeowners insurance, HO-1, -2, and -3, offer varying levels of coverage for perils, while HO-5 offers comprehensive coverage for risks. It covers any type.

Contact Us for More Information

Contact Guardian Insurance, serving Nebraska and the greater Midwest, for more information on home insurance and consultation on which home policy would work best for your situation.

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