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Frequently Asked Questions

Living Trust 

Do you have your property or autos titled in a living trust? If so, have you let your insurance agent know? 

Any property or auto title that has been transferred into the owner's living trust needs to have that living trust listed on the homeowner's and/or automobile policies. It should also be listed on any umbrella policy for excess liability insurance. Usually the name of the trust can be included on the policy at no extra cost. 


Umbrella Policies 

If you are involved in a serious accident, do you have the finances available if you are sued? 

Unfortunately these days anyone can be sued and the limits on your personal insurance policy may not be enough. Fortunately, many insurance companies offer a personal umbrella policy. With a personal umbrella you can mount a powerful defense against the financial burden of personal litigation. This valuable umbrella protection picks up where your primary personal insurance policies leave off; expanding the liability coverage you many need if a serious accident does occur.  


Privacy Disclosure 

How do we protect your privacy and personal information? 

It is our agency policy to protect your privacy and the personal information you have entrusted to us. The Nebraska Privacy Law requires any agency, company or broker to notify you once each year how they will use your nonpublic personal and financial information. We are advising you with this notice of our agency's privacy policy and practices. 


What kinds of nonpublic information do we collect about you? 

In order to assist you in obtaining appropriate insurance coverage and provide the best service for you, we may collect nonpublic personal financial information about you from the following sources: 


        Information we receive from you on applications or other forms; 


        Information about your transactions with us, our affiliates, or other; and 


        Information we receive from a consumer-reporting agency. 


Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected about you. 


What is our policy on sharing your nonpublic information? 

We do not disclose any nonpublic financial information about our customers or former customers to anyone, except as permitted by law. This means: 


        We will only use your nonpublic financial information to assist in obtaining insurance coverage for you. 


        We will not sell, lease or rent your name to mailing lists companies, telemarketers or any information about you. 


        We will not disclose your nonpublic financial information to other parties for anything other than insurance purposes. 


How do we protect your nonpublic information? 

We restrict access to this information to those employees WHO NEED TO KNOW that information in order to provide insurance protection for you. We maintain physical, electronic, and procedural safeguards that comply with the law to guard your nonpublic personal information. Also, our agency does not share information with non-affiliated third parties without prior customer consent, except as permitted by law. 


We appreciate the trust you have placed in our insurance agency and we will take every step to protect that relationship! 

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