Kearney Homeowners Insurance

Your Complete Guide to Kearney, NE Homeowners Insurance

The county seat of Buffalo County, Kearney is home to the University of Nebraska at Kearney. From its museums and microbreweries to its many parks and golf courses, this city has a lot to offer its 30,000 residents. If you own a house in this small but vibrant city, you will want to be sure to protect your investment with a suitable home insurance policy. When you are shopping for affordable insurance coverage for your house in Kearney, an independent insurance agent can help you find the best policy. Contact 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

The numbers listed above are just averages. Rates can vary significantly from one Kearney homeowner to the next. To find out your actual cost, you can request quotes from different insurance companies. Each insurer has its own method for calculating rates, so comparing quotes lets you choose the policy that provides the best value for your money. 

Your rates may be based on a number of factors, including the age, value, and size of your home, the amount of your deductible, and whether you are bundling your coverage with other policies like car insurance. Independent agents make comparison shopping easy by doing the legwork for you. That way, you can quickly find a policy that meets your coverage and budgetary needs.

Burglary Rate in Nebraska

  • 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 Kearney: 2.71

The burglary rate in Nebraska is lower than the national average, and in Kearney, it is even lower. With fewer than 100 burglaries reported each year, residents may have a sense of security. They also enjoy lower rates on home insurance. Of course, this low rate does not mean you are immune to the risk of a home invasion. If your house is burglarized, you may find peace of mind from knowing that your home insurance policy can cover your losses. Talk to an independent agent in Kearney to learn how installing a burglar alarm or other theft deterrent can earn you a discount on your home insurance.

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 homeowners insurance policy is designed to provide coverage against many of the hazards you are likely to face as a property owner in Kearney.  A local independent agent can help you review your coverage limits so you can be sure that they are high enough to offer full protection. Many residents of Kearney have a significant risk of experiencing flood damage. However, flood damage is not covered by home insurance. Fortunately, an independent agent can help you supplement your homeowners policy with affordable flood insurance through the National Flood Insurance Program (NFIP).

Why Kearney Homeowners Need Liability Coverage

As a homeowner, you have a lot to lose in the event of a liability lawsuit. That is why your home insurance policy includes coverage against this risk. From dog bites to injuries sustained in your home, this insurance can cover a number of mishaps that may lead to your being sued. You may never need to use it, but it can provide peace of mind just from knowing it is there. Homeowners liability insurance is designed to shield you from the court costs, legal fees, and damages associated with covered lawsuits. Your local independent agent can explain more about this important coverage.

Second Home and Vacation Home Insurance

Do you own a vacation home? Are you making extra income by renting a house to students who attend the University of Nebraska at Kearney? Either way, if the property you are insuring is not your primary residence, there are many other factors that need to be taken into consideration. Houses that are left vacant for long periods have a higher risk of significant property damage. Homes that are occupied by tenants have greater liability risks and need to be covered by landlord insurance. A local independent insurance agent can explain the coverage needs associated with your extra property and can help you find the best and most competitively priced policy to meet those needs.

Why Work with an Independent Insurance Agent?

Independent insurance agents make shopping for the best home insurance easy because they can work with a number of different insurers. That way, they can compare rates to ensure that you are getting your home insurance coverage at the most competitive rate. 

Find an agent in or near Kearney to start comparing quotes.

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

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

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

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