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Omaha, NE 68137

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Benefits of Purchasing Renter’s Insurance

Renters, like homeowners, can benefit from insurance protection for their personal property. This coverage comes through renter’s insurance. A renter’s insurance policy from Guardian Insurance in Midwest Omaha, NE not only protects your possessions but also offers liability and loss of use coverage, too.

Here are some of the many benefits you stand to gain by purchasing renter’s coverage:

Financial Support to Replace Personal Goods

If you’re like most people, you’ve probably collected quite a few possessions over the years. The sudden loss of these goods in an unforeseen disaster could put you in a financial bind. That’s where the renter’s property coverage comes into play. Renter’s property insurance protects your goods from unforeseen events like fire, theft, vandalism, water damage from a broken pipe, and other disasters. It provides financial support to help replace furniture, clothes, electronics, appliances, sports gear, or other costly belongings if they’re stolen, damaged, or lost in an unexpected disaster.

Protection against Accidents

Liability coverage protects you against accidents that may cause injuries to guests on your rental property. This includes slips and falls, kitchen mishaps, dog bites, or injuries sustained playing “touch” football in the yard. If a visitor needs medical treatment for his injury, liability insurance helps cover this cost. If an accident leads to a lawsuit, liability coverage helps pay for your legal costs.

Help with Living Expenses if You Have to Move Out

If your rental home in Omaha becomes uninhabitable due to damage from a disaster, loss-of-use coverage will help cover the cost of living somewhere else until it’s repaired. You don’t have to bear the brunt of being "misplaced" on your own.

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Renter’s insurance is so affordable there’s no reason not to protect yourself with this coverage. To purchase a renter’s policy, contact your Guardian Insurance agent in Midwest Omaha, NE.

Should everyone that owns an RV get an RV insurance plan?

Being an RV owner in the Omaha, NE area, or other places across the Midwest, is a great idea as it will offer you a fun way to see the country. When you are looking to buy an RV, getting insurance for it is necessary. There are a lot of reasons why all people here should get an RV plan. 

Ensure Protection

A top reason for someone to get an RV insurance plan is to ensure they are protected. With RV insurance coverage, you will get a wide range of financial coverage. This can include support if you are found liable for damages in an accident or have to pay to repair or replace your vehicle. This can provide peace of mind and protect your personal financial situation. 


It is also important to get RV insurance to ensure you are in compliance with various requirements. Those that are going to purchase an RV will need to have an RV if they want to drive it on a public road in Nebraska or any other state. Further, you will need insurance if you have taken out a loan to purchase the RV. With the right insurance, you will stay in compliance with all of these requirements. 

Reach Out To Us

Anyone that is an RV owner in Omaha, NE or in the rest of the Midwest will need to ensure that they are properly insured at all times. One of the ways that you can ensure that you have proper insurance for your RV is by getting a proper RV insurance policy. If you are looking for this insurance support here, it would be ideal to call our team with Guardian Insurance. Our professionals at Guardian Insurance can help you build a new policy that will meet your needs. 

What Is Guest Passenger Liability Insurance in Regard to Motorcycle Coverage?

If you are looking to purchase motorcycle insurance, one of the terms that you may come across is guest passenger liability insurance. Here at Guardian Insurance, serving the greater Omaha, NE and Midwest region, we want to answer any questions you may have in regard to motorcycle insurance to help you find the policy that is ideal for you.

Here are some of the questions you may have about guest passenger liability insurance:

What Is Guest Passenger Liability Insurance?

Guest passenger liability insurance helps to cover the costs of medical care if you are at fault for an accident and a guest traveling on your motorcycle is injured. The coverage limits vary based on the policy, so always carefully review the policy limit to ensure that it is set at an appropriate amount to cover medical expenses for an accident. 

Are Passengers Not Covered Under Minimum Motorcycle Insurance Coverage? 

Unlike auto insurance, motorcycle insurance does not automatically cover passengers and their medical expenses. This is because not every motorcyclist rides with passengers. As such, no, passengers are not covered if you strictly have state minimum motorcycle insurance coverage. You will need an add-on to your policy or a policy that includes guest passenger liability insurance to ensure your passengers are covered. 

Reach Out To Us

If you plan on riding with passengers on your motorcycle, it makes a lot of sense to purchase guest passenger liability insurance to ensure your passengers are medically covered in the event of an accident. If you are looking for a motorcycle insurance policy that offers guest passenger liability, the team at Guardian Insurance, serving Omaha, NE and the greater Midwest area, would love to assist you. Reach out to us today to get started. 

Does boat insurance cover damage that happens in storage?

What exactly does our boat insurance policy cover? What about the damage that happens out of the water? If Midwest storms or an Omaha, NE tornado destroys the storage building, is your boat covered by Guardian Insurance’s boat insurance?

Does boat insurance cover damage that happens in storage?

In most cases, boat insurance policies cover damage while your watercraft is stored safely, such as in a dry dock or storage facility. However, the extent of coverage might vary based on the insurance provider and your policy.

Reading through your policy details to understand what is covered and the possible exclusions is essential. For example, if the damage is caused by a lack of maintenance or some wear and tear, the insurance company may not cover it. Additionally, if the damage occurred because of your negligence, such as using inadequate storage, the insurance company may not pay for the damages.

Damage caused by floods or storms can happen even when your boat is stored securely. Insurance policies may offer comprehensive coverage for such instances, but the coverage amount will depend on your policy limits and deductibles.

Most boat insurance policies require a specific level of coverage for storage, mainly when your boat is stored during off-season months. It’s essential to review your policy annually with your insurance agent to discuss your coverage and ensure you have the correct amount of coverage, as some policies may have limited coverage or even exclude storage coverage.

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As a boat owner in Omaha, NE, it’s vital to understand what your boat insurance policy covers. As a leading Midwest insurance agency, Guardian Insurance offers customizable boat insurance policies to protect your valuable watercraft. Contact us to learn more!

I rent a Room at a Friend’s House—Do I Need Renters Insurance?

Do you rent a room in a friend’s house? If so, have you considered if renters insurance is required? Renters insurance protects you financially if something happens to the belongings in your rented space. Let us explain why any renter, even if renting from a friend or family member, should consider renters insurance. 

What Is Covered by Renters Insurance? 

Renters insurance covers the expense of lost, stolen, or damaged items on the grounds of your rental agreement. This coverage can extend to furniture, electronics, apparel, and other items. Most plans also cover liability lawsuits brought against you. For example, if someone was harmed on your rental agreement’s grounds and wanted to sue you for damages, renters insurance would help cover those costs.

Furthermore, many policies provide supplementary living expenses coverage, which helps cover the costs of a temporary relocation if an accident renders your residence uninhabitable. Guardian Insurance can assist you in locating the best insurance for your needs.

Is Renters Insurance Still Required If I Rent From a Friend? 

Yes! Even if you are renting from a friend or family member in Omaha, NE or anywhere in the Midwest, obtaining renters’ insurance will protect you financially if something happens to your things. Although your landlord may have their own homeowner’s insurance policy, it is unlikely to cover any of your belongings – this is where renters’ insurance comes in!

Renting a room from a friend is a great option to save money while still having home comforts. To be financially covered in the event of a calamity, every tenant should consider purchasing their own individual renters’ coverage.

Reach Out To Us

Contact our staff now to learn more about how Guardian Insurance in Omaha, NE can protect you and your things while living in the Midwest. We are here to help!

Tips to prepare your RV for a storm

If you’re an RV owner, it’s important to make sure your vehicle is ready for any storm that may come your way, whether here in Omaha, NE or anywhere in the Midwest. Here are some tips from us at Guardian Insurance to help prepare your RV for a storm.

Tips to prepare your RV for a storm

1. Check the Roof

Before a storm makes landfall, be sure to inspect the roof of your RV for any damage or wear and tear that could lead to leaks during the storm. If you find any issues, repair them right away before the rain comes.

2. Secure Your Valuables

Make sure your valuables are stored safely inside in case strong winds cause anything outside to fly around and become damaged. This includes outdoor furniture, bikes, and grills – anything that’s not securely attached should be moved inside or covered up with a tarp or blanket.

3. Install Storm Shutters

For extra protection from wind and debris, consider installing storm shutters on the windows and doors of the RV if necessary. This will provide additional protection from strong winds and flying objects during a severe thunderstorm. 

4. Stock Up On Supplies

You should also stock up on non-perishable supplies such as food and bottled water in case of power outages lasting longer than expected. It’s also recommended to have flashlights, batteries and other items handy in order to remain safe in case of an emergency situation during the storm. 

Reach Out To Us

Following these simple tips will ensure your RV is well-equipped for any storms that may come its way! For more tips, give us at Guardian Insurance a call today. We are proud to serve not only the Omaha, NE area, but the entire Midwest as well.

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. 

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