Thanks for visiting our Omaha, NE Renters Insurance Guide. Effective Coverage is on a mission, in line with our core values, to educate renters on their insurance needs and to support them in making the best choices for their Nebraska Renters Insurance based on those criteria.
Only forty-four percent of renters have renters insurance in this country, and America is the nation with the highest number of insured renters. For a variety of reasons including being unaware of its existence, and the overestimation of its costs, American renters are not ready for a catastrophe. Renters can lose thousands of dollars in personal property within a matter of minutes, where a renters insurance policy can save them those thousands of dollars and help them get back on their feet faster. We want to bring renters insurance to 40 percent of American renters by the end of 2017. We call it the Effective Coverage 2017 Renters Insurance Challenge.
Our team of insurance experts have made it easy for renters just like you to understand and obtain renters insurance. Call Effective Coverage today, or even easier, purchase your policy through our online self-service portal and receive a comprehensive and inexpensive policy within minutes. In case of a fire, theft, or vandalism, you can be sure that you’ll be protected with our superior coverage.
Omaha, NE Renters Insurance
How Do I Get Omaha, NE Renters Insurance?
That’s the easiest part! You can call or click and have an Omaha renters insurance policy that meets your needs in just a few minutes! Our insurance experts and our self service options both make it easy for you to select the appropriate coverage amount and to get your policy bound immediately. We even send proof of coverage directly to your landlord, and in many cases your property manager is able to see the new policy in real time through our innovative platform.
Nothing Ever Happens Here, Why Do I Need Renters Insurance In Omaha?
We wouldn’t say that “nothing” ever happens in Omaha. Things get stolen. Fires happen. People slip and fall and sue anyone that might be even tangentially related to the accident. If you bring home a date and she trips over her own high heels on your classy shag carpet, she’s going to be suing you for those medical bills, and probably for pain and suffering and the like, as well.
Omaha renters insurance doesn’t just pay liability claims. It also provides a defense against those claims which could reasonably be paid under the policy, if proven. This means you don’t have to get a lawyer to defend against a liability claim, the insurance company provides one. The vast majority of the time, having renters insurance in Omaha means that all you need to do is make the carrier aware of a potential claim and they take it from there while you sit back, maybe answering a few questions.
Renters insurance on Omaha doesn’t just replace your property, it actually makes your life easier and more peaceful. That means you sleep better. That means you work harder. That means you get a promotion. That means you make more money. Which means that renters insurance can, in some ways, pay for itself!
The other way that renters insurance can pay for itself is if you bundle your car insurance with it. Effective Coverage is able to identify these savings and synergies to get you the best auto policy and the best discounts on that auto policy. Often, the discounts are more than the cost of the renters insurance, so you can have coverage without being out of pocket at all for it!
What Does Renters Insurance Cost In Omaha?
Omaha, NE renters insurance is generally priced close to the national average of fifteen dollars a month. We priced out a pizza at a certain national pizza chain’s Omaha location and it turned out to cost… Fifteen bucks. Skip one pizza a month and the renters insurance is paid for!
Some people just put each day’s change from their pockets into a jar and pay their renters insurance with it the next month. For them, Omaha renters insurance costs literally nothing more than pocket change.
It’s not hard to budget renters insurance in Omaha, or anywhere else. At about $3.50 a week, it’s an amount of money that won’t tax your finances. Reach out to Effective Coverage today to find out just how inexpensive it can be!
Is Property Of My Guests Protected Under My Omaha, NE Renters Insurance?
On your request, yes, Omaha renters insurance covers the property of your guests while they’re at your home. That policy language is in place so that they can’t directly make a claim, of course, you as the insured would have to initiate it. But as long as you make the claim, covering personal property of guests shouldn’t be a concern.
Can I Add My Roommates To My Omaha Renters Insurance Or Do We Each Need A Policy?
You can attack the issue from either direction. The most straightforward, simple, and preferred way is for everyone in the house to have their own policy. This prevents problems like having claim checks issued with all of your collective names on them.
If you must, however, it’s possible to endorse coverage for roommates onto a renters insurance policy without giving them named insured status. That’s something you’d want to discuss with an insurance expert, because it comes with its own set of caveats. Fortunately, insurance experts are easy to find. One call to Effective Coverage can solve all your concerns!
Renting In Omaha, NE
Omaha, the largest city in Nebraska, is also the county seat of Douglas County. With a population of 421, 570, it’s the 60th largest metropolitan area in the United States. Its average home price is $159,176 and the average rent is $675. As one of the more affordable states to live in, projections of its population increasing are to be expected. Although you won’t be expecting a catastrophe to happen, they do occur. That’s why Effective Coverage is here to protect you with affordable Omaha, NE renters insurance.
Omaha has a rich history behind it. Founded in 1854 by the pioneers, the Trans-Mississippi Exposition was first held here. Its central location was vital to being one of the most important transportation hubs during the 19th century. Factors such as railroads and convenient paths of transportation helped to create many jobs. Omaha has grown to be one of the most important business centers in America. It headquarters five Fortune 500 companies: ConAgra Foods, Union Pacific Corporation, Mutual of Omaha, Kiewit Corporation, and Berkshire Hathaway. Ranging from the food packaging industry to banking, the area has a diverse selection of successful fields.
The city has also introduced some notable inventions. The introduction of the TV dinner, Raisin Bran, the “Top 40” radio format, and the Reuben sandwich all can be credited to Omaha. Omaha’s combination of innovators and business figures have helped ranked the area as the 8th strongest city in both per-capita billionaires and Fortune 500 companies. Its economy has significantly expanded since the 1990s. Newsweek reported in 2001 that the city is one of the top 10 high tech cities in America.
We are sure you are excited to become the next Warren Buffet as you begin your stay in Omaha. But even wealthy people need their belongings protected. Call Effective Coverage today and make sure the things you’ve worked so hard for are properly protected.