Alliance Homeowners Insurance

Your Complete Guide to Alliance, NE Homeowners Insurance

A street view in a prefabricated home development

The county seat of Nebraska’s Box Butte County, Alliance is home to about 9,000 people. Best known for Carhenge, an awe-inspiring Stonehenge replica made of vintage American cars instead of stones, this small city offers its residents affordable housing and a community-oriented living environment. If you own a house in this Midwestern city, you will want to be sure to protect your investment with a suitable homeowners insurance policy. A local independent insurance agent can help you find the best and most affordable policy to meet your coverage needs. Find an insurance agent in or near Alliance to learn more.

How Much Does Homeowners Insurance Cost in Alliance, NE?

The average cost of homeowners insurance in Nebraska is higher than the national average.  However, in Alliance, with its abundance of affordable housing, the rates tend to be significantly lower. This is good news for Alliance homeowners who are looking for an affordable home insurance policy.

  • National yearly premium average: $1,173
  • Nebraska yearly premium average: $1,369
  • Alliance yearly premium average: $951

The average rates listed above can give you a general idea of what your home insurance coverage may cost you. However, your actual costs can differ significantly. This is because rates are calculated on a case-by-case basis and are dependent on factors such as the age, size, and value of your home, the crime rate and weather risks in your ZIP code, the amount of your deductible, and other considerations.

To find out how much your coverage will cost, you can request customized quotes from a few different insurance companies. Each insurer has its own method of calculating rates, so comparing quotes enables you to choose the policy that provides the best value for your money. Independent insurance agents make comparison shopping easy.

Alliance Homeowners Insurance Covers Property Damage

Your home insurance property coverage is divided into two parts: structural coverage (dwelling) and personal property coverage (contents). Each is designed to provide coverage against many of the hazards you are likely to face as a homeowner in Alliance.  Your local insurance agent can help you review your coverage limits so you can be sure that they are sufficient.

  • Number of federally declared disasters in Nebraska since 1953: 60
  • Most common reasons for disasters in the state:  Severe Storms
  • Average number of tornadoes per year in Nebraska: 54.6
  • Average amount paid in home insurance claims per year in NE:  $698.6 million
  • 1 in 15 insured homes has a claim each year.

Catastrophic events, such as tornadoes, can cause extensive damage to the structure of your Alliance home as well as to the belongings kept inside. Fortunately, the risk of tornado damage in this city is not only well below the state average, but it is also lower than the national average. Residents of this city are, however, at risk for damage from hazards such as windstorms, hailstorms, lightning, freezing temperatures, and accidental fires.

Flood damage also poses a risk in Alliance. Unfortunately, homeowners insurance policies specifically exclude flood damage from their coverage. If your home is at risk, your insurance agent can help you supplement your home insurance coverage with a flood insurance policy through the National Flood Insurance Program (NFIP).

Alliance Homeowners Insurance Covers against Many Liability Risks

Your home insurance can do more than just cover the structure of your house and its contents. It can also provide you with liability coverage. Homeowners liability insurance is designed to cover court costs, legal fees, and damages for many of the liability lawsuits you may be at risk for. Examples of times you may need your liability coverage include if your child or pet causes injuries or property damage to another, if a visitor is severely injured on your property, or if you find yourself accused of libel or slander. Learn more about what your homeowners liability coverage can do for you by talking with your local insurance agent.

What Is the Burglary Rate in Alliance, NE?

The burglary rate in Alliance is higher than the Nebraska state average, but still well below the national average. Residents of this city report about 35 burglaries a year. Fortunately, home insurance can compensate you for loss or damage if you are the victim of a property crime like theft or vandalism.

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in Nebraska: 3.38
  • Number of burglaries per 1,000 homes in Alliance: 3.75

You can take precautions to lower your already-low risk of burglary. These include keeping entryways unobstructed and well-lit, putting lights on timers when you are away, and keeping doors and windows securely locked. Insurance companies often offer discounts to policyholders who have and use deadbolt locks, burglar alarms, and other crime deterrents.

What about Insurance for Second Homes and Vacation Homes?

Perhaps you own a second house that you use as an investment by renting it out to young families. Or maybe you own a winter vacation home in a warmer climate. Whatever your reasons, if you own a house that is not your primary residence, there are several additional factors that need to be considered. Vacation houses are sometimes left vacant for long periods. These homes have a higher risk of structural damage and may need to be covered by vacant home insurance when not in use. 

Houses that are occupied by tenants have greater liability risks and most insurers will require them to be covered by landlord insurance. A local independent insurance agent can explain the coverage needs associated with all of your residential properties and can help you find the best and most affordable policies to cover these homes.

Why Work with an Independent Insurance Agent in Alliance, NE?

A local independent insurance agent can be a wonderful resource when you are shopping for home insurance. These agents do more than just help you find great coverage at an affordable price. They can also help you find any discounts you may be entitled to, answer your insurance-related questions, and assist you when you file a claim.

Find an insurance agent in or near Alliance to start comparing customized homeowners insurance quotes.

Sources © 2020, Consumer Agent Portal, LLC. All rights reserved.

http://www.naic.org/prod_serv/AUT-PB-14.pdf
https://www.census.gov
http://www.city-data.com

© 2020, Consumer Agent Portal, LLC. All rights reserved.

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