Bellevue Homeowners Insurance

Your Complete Guide to Bellevue, NE Homeowners Insurance

Find the right homeowners insurance policy for you.

The Omaha suburb of Bellevue, NE is home to more than 50,000 people. With its small-town feel and easy access to a larger city, Bellevue has a lot to offer its residents. If you are among this city’s homeowners, you will want to be sure to protect your investment with a suitable home insurance policy. Independent insurance agents in Bellevue can help you find the best price for a homeowners insurance policy that meets your coverage needs. Find an agent near you to learn more.

Cost of Homeowners Insurance in Nebraska

  • National yearly premium average: $1,173
  • Nebraska yearly premium average: $1,369
  • 11th most expensive premium in the US

These averages can only give you an estimate of what your actual cost will be. Insurance companies take a lot into consideration when calculating your rates. Information about the age, value, and construction of your home can play a large role in how much you are expected to pay. Because every insurance company has its own way of assigning rates, it pays to comparison-shop. Independent insurance agents make it easy by obtaining a variety of quotes for you.

Second Home and Vacation Home Insurance

Maybe you own a vacation home in the Great Lakes area. Or perhaps you have invested in rental properties in your neighborhood. Regardless, if the house you are insuring is not your primary residence, there will be several more factors to take into consideration. These factors can significantly affect your rates. When insuring a second home or a vacation home, it is beneficial to get help from an independent agent. These agents can help you find discounts you may be entitled to and can help you shop for the best rates.

Burglary Rate in Nebraska

Every year, more than 100 burglaries are reported in the city of Bellevue. While this may seem like a lot, at a rate of 2.03 burglaries per every 1,000 homes, it is actually lower than both the state and national averages.

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in NE: 3.38

Bellevue’s low burglary rate can help to keep insurance rates affordable. While the risk is relatively low, it pays to take precautions such as installing a burglar alarm system or motion-sensitive lighting. Many insurance companies offer discounts to homeowners who do so. If you are a victim of property crime in Bellevue, your home insurance policy can compensate you for your losses. Your independent insurance agent can assist you when you file a claim.

Catastrophic Events in Nebraska

  • Number of declared disasters in Nebraska: 60
  • Average number of tornadoes per year in Nebraska: 54.6
  • Average amount of property damage per year in NE: $698,557,000
  • 1 in 15 insured homes has a claim each year.

Your home insurance policy is designed to cover you against many of the hazards you are apt to face as a homeowner in Bellevue. You have invested a lot in your home, so it can be reassuring to know that if it is destroyed by a catastrophic weather event or an accidental fire, you will have the coverage you need to rebuild and start over.

What Are the Risks in Bellevue, NE?

As a resident of Bellevue, you are most at risk for property damage caused by severe storms, and tornadoes. Tornadoes, in particular, can be devastating. Tornado activity in Bellevue is 94% greater than the national average, so you will want to be sure that your home insurance policy provides suitable coverage against this risk. Flood damage is also a serious concern in Bellevue. However, this hazard is not covered by home insurance. Talk to your independent agent to learn how affordable it can be to supplement your coverage with a flood insurance policy.

Why Work with an Independent Insurance Agent?

Local independent insurance agents can help you find a policy that meets all of your coverage needs. Because they can work with several different insurance providers, they can ensure that you are getting your policy at a competitive rate.

Find an agent in or near Bellevue to get started, and discover how easy comparison shopping can be.

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