Dwelling Coverage
Helps cover eligible damage to the physical structure of your home, subject to policy terms.
HOMEOWNERS INSURANCE
Home Insurance in Lincoln, Nebraska
Your home is one of your most important investments. Our Lincoln-based insurance team can help you understand your homeowners coverage, review available options, and find a policy suited to your needs.
What Does Homeowners Insurance Cover?
Homeowners insurance can help protect your property, belongings, and financial responsibility after certain covered events. The specific protection depends on your policy, coverage limits, deductibles, and exclusions.
Other Structures
May help cover detached structures such as garages, fences, or sheds when the applicable policy provides coverage.
Personal Property
Helps protect eligible belongings such as furniture, clothing, and electronics against covered losses.
Personal Liability
May provide protection when you are legally responsible for certain covered injuries or property damage involving others.
Loss of Use
May help with eligible additional living expenses if a covered loss makes your home uninhabitable.
Medical Payments to Others
May provide limited coverage for certain injuries to guests, subject to the terms and limits of the policy.
Home Insurance Considerations for Nebraska Homeowners
Homeowners in Lincoln and surrounding Nebraska communities should understand how their policies address weather-related losses, deductibles, roof settlement provisions, and other important coverage details.
Understanding Wind & Hail Deductibles
Some homeowners policies have a separate deductible for wind and hail damage. Percentage deductibles can represent a significant out-of-pocket amount.
How Will Your Claim Be Settled?
Replacement cost and actual cash value can produce different claim payments because of depreciation and other policy provisions.
Review Your Roof Coverage
Roof age, materials, deductibles, endorsements, and settlement terms can affect how a covered roof loss is handled.
Helping You Understand Your Home Insurance Options
01 — Tell Us About Your Home
We’ll gather the information needed to understand your property and what you’re looking to insure.
02 — Review Coverage Options
We’ll explain available coverage limits, deductibles, and policy features so you can better understand your choices.
03 — Choose What Fits Your Needs
You can review the available options and decide how you’d like to move forward.
Looking to Insure Your Home and Auto?
Having your home and auto insurance with the same company may offer convenience and potential discounts when available. Eligibility and savings depend on the insurer, policies, and household.
Frequently Asked Questions About Home Insurance
Local Insurance Guidance From a Team You Can Reach
T-Rex Agency is led by Farmers Insurance agent Rex Viola and serves homeowners in Lincoln, Nebraska, and surrounding communities. Our team focuses on helping customers understand their options and make informed coverage decisions.
Lincoln office: 7160 S 29th St #6, Lincoln, NE 68516
Ready to Review Your Home Insurance?
Whether you’re purchasing a home, comparing coverage, or reviewing your current policy, our Lincoln insurance team can help you explore your options.