Blair Homeowners Insurance

Your Complete Guide to Blair, NE Homeowners Insurance

Find the right homeowners insurance policy for you.

A street view in a prefabricated home development

The county seat of Nebraska’s Washington County, Blair is home to about 8,000 people. This city offers its residents all the benefits of small-town living, while all the amenities that the larger city of Omaha has to offer are just a short drive away. If you are among those who have settled down and bought a house here, you will want to be sure to cover your investment with a reliable 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 Blair to learn more.

How Much Does Homeowners Insurance Cost in Blair, NE?

The average cost of homeowners insurance in Nebraska is higher than the national average, and in Blair, the rates tend to be even higher. This makes shopping around for the best price all the more important.

  • National yearly premium average: $1,173
  • Nebraska yearly premium average: $1,369
  • Blair yearly premium average: $1,425

While the average rates listed above can give you a general idea of what your home insurance coverage may cost, your actual rates may differ significantly. This is because home insurance prices 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 a number of other considerations. 

You can request customized quotes from a few different insurance companies to get an idea of what your coverage will cost you. 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 and stress-free.

Blair Homeowners Insurance Covers Property Damage

All home insurance policies include property coverage. This coverage is divided into two parts: structural coverage (dwelling) to cover the structure of your home, and personal property coverage (contents) to cover your personal belongings. Each is designed to provide coverage against many of the hazards you are likely to face as a homeowner in Blair. A local independent insurance agent can help you review your coverage limits so you can be sure that they are sufficient to fully cover you in the event of a total loss.

  • 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 a great deal of damage to the structure of your Blair home. In addition to tornadoes, residents of this city are at risk for damage caused by windstorms, hail, lightning, freezing temperatures, accidental fires, and property crimes. Flood damage also poses a risk in Blair. This is particularly true for residents close to the Missouri River and any of this area’s waterways, like Bell Creek. 

Unfortunately, homeowners insurance policies specifically exclude flood damage from their coverage. If your property is at risk for flood damage, you can supplement your home insurance coverage with a flood insurance policy through the National Flood Insurance Program (NFIP). Talk to your insurance agent to learn more and to get help securing a flood insurance policy.

Homeowners Insurance Covers against Many Liability Risks

Homeowners insurance can do more than just cover the structure of your house and the contents inside it. It can also provide you with a great deal of personal liability coverage. Your homeowners liability insurance is designed to cover court costs, legal defense fees, and damages related to many of the liability lawsuits you may potentially face.

Examples of times you may need your liability coverage include if your child or pet causes injuries or property damage to another; if a guest in your home is severely injured while on your property; if you cause accidental injuries to another while away from home, like in the park; or if you find yourself accused of libel or slander. Learn more about what your homeowners liability coverage can do for you by speaking with a local insurance agent.

What Is the Burglary Rate in Blair, NE?

The burglary rate in Nebraska is lower than the national average, and in Blair, the risk is even lower.  This is not to say that burglary is nonexistent in the city. Residents of Blair report about 16 burglaries a year. Fortunately, homeowners 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 Blair: 2.00

You can take precautionary steps to lower your already-low risk of burglary. These include keeping entryways unobstructed, using motion sensitive lighting, putting lights on timers when you are traveling, and keeping doors and windows securely locked. Insurance companies often offer discounts to policyholders who have deadbolt locks, home security systems, and other theft deterrents. Your local insurance agent can review these and other potential discounts.

What about Insurance for Second Homes and Vacation Homes?

Perhaps you own a second house that you use an investment vehicle by renting it to young families for some extra income.  Or maybe you own a winter vacation home in a warmer climate. Whatever your reasons, if you own an additional house that does not serve as your primary residence, there are additional factors that need to be considered.

Vacation houses are often left unoccupied 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 higher liability risks, and most insurers will require you to purchase landlord insurance instead of traditional home insurance. Your insurance agent can explain the coverage needs associated with all of your extra residential properties and can help you find the best and most affordable policies to cover all of your homes.

Why Work with an Independent Insurance Agent?

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

Contact an independent insurance agent in or near Blair to start comparing customized homeowners insurance quotes.

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