Home Insurance

As your largest investment, it's important to make sure your home has the proper insurance coverage. We'll protect your home and everything in it for the lowest possible price.

What is Home Insurance?

Home insurance, also known as homeowners insurance or property insurance, is a crucial form of coverage that offers financial protection for your home and its contents. It provides coverage for damages or losses caused by perils such as fire, theft, vandalism, natural disasters, and more. Home insurance not only safeguards your physical dwelling but also helps protect your personal belongings and provides liability coverage in case someone is injured on your property.

Insurance Mart specializes in offering comprehensive home insurance solutions in Fremont, NE 68025. Our home insurance policies are designed to provide you with peace of mind, ensuring that your investment and personal belongings are protected against a wide range of potential risks. From structural damages to property theft and even legal liabilities, our policies offer a safety net to help you recover from unexpected events.

When you choose Home Insurance Fremont, NE 68025 with Insurance Mart, you're choosing a partner that understands the importance of your home and its contents. Our dedicated team works to tailor insurance coverage to your specific needs, ensuring that you receive the protection you need at a price you can afford. With Insurance Mart, you can face the future confidently, knowing that your home and its precious contents are in good hands.

Typical Home Insurance Coverages

Section I — Property Coverages
  • Coverage A – Dwelling
    Covers the value of the dwelling itself (not including the land). Typically, a coinsurance clause states that as long as the dwelling is insured to 80% of actual value, losses will be adjusted at replacement cost, up to the policy limits. This is in place to give a buffer against inflation. HO-4 (renter's insurance) typically has no Coverage A, although it has additional coverages for improvements.
  • Coverage B – Other Structures
    Covers other structure around the property that are not used for business, except as a private garage. Typically limited at 10% to 20% of the Coverage A, with additional amounts available by endorsement.
  • Coverage C – Personal Property
    Covers personal property, with limits for the theft and loss of particular classes of items (e.g., $200 for money, banknotes, bullion, coins, medals, etc.). Typically 50 to 70% of coverage A is required for contents, which means that consumers may pay for much more insurance than necessary. This has led to some calls for more choice.[14]
  • Coverage D – Loss of Use/Additional Living Expenses
    Covers expenses associated with additional living expenses (i.e. rental expenses) and fair rental value, if part of the residence was rented, however only the rental income for the actual rent of the space not services provided such as utilities.
  • Additional Coverages
    Covers a variety of expenses such as debris removal, reasonable repairs, damage to trees and shrubs for certain named perils (excluding the most common causes of damage, wind and ice), fire department changes, removal of property, credit card / identity theft charges, loss assessment, collapse, landlord's furnishing, and some building additions. These vary depending upon the form.
  • Exclusions
    In an open perils policy, specific exclusions will be stated in this section. These generally include earth movement, water damage, power failure, neglect, war, nuclear hazard, septic tank back-up expenses, intentional loss, and concurrent causation (for HO3).[15] The concurrent causation exclusion excludes losses where both a covered and an excluded loss occur. In addition, the exclusion for building ordinance can mean that increased expenses due to local ordinances may not be covered.[16] A 2013 survey of Americans found that 41% believed mold was covered, although it is typically not covered if the water damage occurs over a period of time, such as through a leaky pipe.[17]
  • Floods
    Flood damage is typically excluded under standard homeowners and renters insurance policies. Flood coverage, however, is available in the form of a separate policy both from the National Flood Insurance Program (NFIP) and from a few private insurers. [18]
Section II — Liability Coverages
  • Coverage E – Personal Liability
    Covers damages which the insured is legally liable for and provides a legal defense at the insurer's own expense. About a third of the losses for this coverage are from dog bites.[19]

    Contact us to learn more about the right homeowners insurance for you.
(402) 416-4841​
Lincoln, Nebraska 68507​
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