PLEDGE OF PERFORMANCE:
Trusted Choice(R) agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enables us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy.
Trusted Choice(R) agencies are insurance and financial services firms whose access to multiple companies and commitment to quality service enables us to offer our clients competitive pricing, a broad choice of products and unparalleled advocacy.
Home Owner's Insurance
When you have chosen your residence and filled it with all your cherished belongings, you want to make sure your investment is protected. It is for homeowners like you that we offer this homeowners insurance. Complete coverage for your very important home.
Home Insurance
When you have chosen your residence and filled it with all your cherished belongings, you want to make sure your investment is protected. It is for homeowners like you that we offer this homeowners insurance. Complete coverage for your very important home.
Home Insurance
Our homeowners policies are designed to meet your particular needs. It combines a level of reliable protection with superior service and personal attention. For families that have worked hard to achieve the Great American Dream, Lessert Insurance Agency offers the superior level of protection you deserve.
Home Coverages
Section I- Dwelling and Personal Property
Section II- Personal Liability and Medical Payments
Coverage may be extended to cover:
Renters Insurance- Fire/ Smoke
- Lightning, Hail, Windstorm
- Explosion, Explosion of Heating System
- Freezing of Plumbing
- Theft, Vandalism & Malicious Mischief, Glass Breakage
- Falling Objects
- Water Damage
- Rupture of Water heater
- Weight of Ice, Sleet or Snow
- Damage from Electrical Currents
Section II- Personal Liability and Medical Payments
Coverage may be extended to cover:
- One- or two-family dwellings owned by you or your spouse
- Watercraft
- Eligible business pursuits
- Waterbed liability
- Personal injury
Many of renters either do not know about homeowners insurance available to them or simply do not take advantage of this type of insurance. Many more renters feel that renter's insurance is either too expensive or not necessary given their living conditions. Still others have valuable furnishings, which if damaged by flooding or burglary will need to be replaced.
Why should a "renter" have an insurance policy when his landlord owns the structure rented?
Because the landlord's insurance does not cover the renter's personal property. If the apartment is vandalized or burglarized the landlord is generally not responsible for the damage to renter's personal property.
Personal property such as clothes, electronic devices, furniture, televisions, jewelry, or personal computers are not covered against destruction or loss by the landlord's insurance. If the apartment is flooded, the landlord's insurance will cover the damage to the structure and its fixtures but will not buy the renter a new couch.
While the landlord may be sympathetic and concerned about a renter's loss, absent some sort of hidden negligence or contractual arrangement, he or she is not responsible for the renter's loss.
Why should a "renter" have an insurance policy when his landlord owns the structure rented?
Because the landlord's insurance does not cover the renter's personal property. If the apartment is vandalized or burglarized the landlord is generally not responsible for the damage to renter's personal property.
Personal property such as clothes, electronic devices, furniture, televisions, jewelry, or personal computers are not covered against destruction or loss by the landlord's insurance. If the apartment is flooded, the landlord's insurance will cover the damage to the structure and its fixtures but will not buy the renter a new couch.
While the landlord may be sympathetic and concerned about a renter's loss, absent some sort of hidden negligence or contractual arrangement, he or she is not responsible for the renter's loss.
Lessert Insurance Agency
619 W. Webster | P.O. Box 275 | Morrill, NE 69358