Homeowners Insurance Provider in Lincoln, NE
Protection for your largest investment
Omega Insurance Agency is on your side. As an independent insurance agency, we can review multiple insurance companies and compare protection and prices to find the best value for you. Buying a home is a major life changing event, you need to protect it from weather, fire, theft and other hazards or losses. Homeowners insurance is a package policy, meaning that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
We’re your neighbors – we are real members of the Lincoln community. We know what’s important for your homeowners’ insurance policy in Nebraska, and we’re committed to being your advocate in times of need. Talk with one of our helpful team members about your insurance needs, contact us today.
Questions and Answers
Why do I need homeowners insurance?
It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are, your home is likely one of your largest investments.
- If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
- If a guest in your home is injured, liability protection and medical coverage help pay expenses.
- If you are a victim of theft or vandalism, it can reimburse you for your loss or pay for repairs.
- If you are still paying for your home, your lender will require insurance.
Does my homeowners insurance cover my detached structures?
Typically, a standard insurance policy will cover other structures including detached garages, sheds & fences. This would also include contents such as sporting equipment, tools etc. However, a collector or vintage car would not be covered under other structures coverage. Be sure to talk to us about your particular situation so we can provide the necessary coverages to protect all of your property.
What factors can affect homeowners insurance premiums?
Many factors can have an effect on the premium, including home features and characteristics, location, protective devices, claim history and personal factors.
Testimonials
Mike has been my insurance agent ever since I moved to Lincoln. He is always a phone call away and will do everything he can to make sure that my needs are handled. Whether that be making house calls to discuss life insurance with me and my husband or climbing up on the roof to making sure our new home will have coverage or calling me back on a Sunday afternoon because we bought a new car over the weekend. I trust Mike to find the best insurance for me and my family. Highly recommend!!Jessica A.Lincoln NE
I have known Mike for nearly 50 years and have known him as a business professional and insurance agent for nearly 20 years. Mike has written the insurance on all my family’s autos and homes since he entered the business as an insurance professional. I have known Mike to be forthright, honest and very ethical and he always looks out for my family’s best interests when taking care of our insurance needs. I never have to worry about Mike selling us insurance coverage that we don’t need. He is very thorough in reviewing our insurance needs with me and makes thoughtful recommendations . Mike is very knowledgeable in all areas of insurance and his primary concern is to make sure his clients have the necessary protection in place at the most affordable cost. Mike has also been very responsive when I have questions regarding our insurance. If he doesn’t know the answer to a question, he takes it upon himself to do the necessary research and gets back to me in a timely manner. Mike has also been an advocate for us on those rare occasions when we have had to file an insurance claim. I never have to worry about a claim not being handled in a fair and timely manner as Mike takes it upon himself to follow-up with the claims personnel to ensure the matter is being handled. Mike will always be my insurance agent. With him as my agent, it simply takes away one less thing that I have to worry about. In today’s busy world, that peace of mind is priceless. Patrick D.Lincoln NE
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