Papillion Homeowners Insurance

Your Complete Guide to Papillion, NE Homeowners Insurance

Find the right homeowners insurance policy for you.

The small city of Papillion is a railroad town with a population of just under 20,000 people. This Nebraska city offers its residents a small-town feel with all the amenities of Omaha just a short drive away. If you own a house in this Midwestern city, you will want to be sure to protect your investment with a great home insurance policy. When you are shopping for affordable insurance coverage for your Papillion home, an independent insurance agent can help. 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

The rates shown above are just averages and can therefore only give you a ballpark idea of what your costs might actually be. Rates are calculated on an individual basis and can be very different from one homeowner to the next. Some factors that insurance companies take into consideration include:

  • The age, size, and value of your home
  • The materials used in your home’s construction
  • The crime rate in the ZIP code where your house is located
  • Whether you are bundling your coverage with other policies like car insurance

Chances are, if you contact three insurance companies to request rates, each will quote a different amount. That is why comparison shopping is such a good idea. Contact a local independent agent to quickly and easily compare a selection of competitively-priced quotes.

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Burglary Rate in Papillion

On average, residents of Papillion report fewer than 30 burglaries each year. The burglary rate in this city is significantly lower than the state and national rates. 

  • Number of burglaries per 1,000 homes in the US: 4.69
  • Number of burglaries per 1,000 homes in NE: 3.38
  • Number of burglaries per 1,000 homes in Papillion: 0.77

This low burglary rate can result in lower costs for home insurance in Papillion. Despite the low property crime risk, you may want to consider having a burglar alarm installed. Many insurance companies offer policy discounts for doing so. In the unlikely event that your house in Papillion is broken into, you may find some comfort in knowing that your homeowners insurance has your back.

Catastrophic Events in Nebraska

Your home insurance policy is designed to provide you with coverage against many of the hazards you are likely to face as a homeowner in Papillion. Your local independent agent can help you review your contents coverage limits so you can be sure that all of your property is fully covered.

  • 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.

As a resident of Papillion, you are most at risk for property damage caused by severe storms and floods. Storm damage is covered by home insurance, but flood damage is not. Fortunately, an independent insurance agent can help you supplement your homeowners insurance with a flood insurance policy through NFIP.

Liability Coverage for Papillion Homeowners

Your home insurance policy can do more than just cover your property. It is also designed to provide you with liability coverage against many types of lawsuits you may be subjected to as a homeowner. This liability insurance can cover legal defense fees, court costs, and damages. 

Homeowners liability insurance can come in handy if you are deemed responsible for third-party injuries or damages. This might happen if a guest in your home is severely injured because of your failure to repair a step, or if your dog bites someone who is jogging past your house. This insurance can even cover you against charges of libel and slander. For more information about liability insurance, you can talk to your local independent agent.

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Second Home and Vacation Home Insurance

Some residents of Papillion own more than one home, such as a second home that is rented out to tenants, or a vacation home by a lake. If the property you are insuring is not your primary residence, there are a number of other factors that need to be taken into consideration. Vacation homes that are left vacant for long periods have higher associated property damage risks. Also, if your second home is occupied by tenants, you will have higher liability risks and will need to cover that property with landlord insurance. A local independent insurance agent can explain the coverage needs associated with your extra property and can help you find a competitively priced policy to meet those needs.

Why Work with an Independent Insurance Agent?

Independent insurance agents make comparison shopping easy. These agents are free to work with a number of different insurance companies so they can ensure that you are getting the best price for your home insurance coverage and that the policy you are buying meets all of your coverage needs.

Find an agent in or near Papillion to get started.

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