Gavop's guide to buying homeowners insurance in Howard County, NE covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Howard County, NE - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| 2nd St, Mill St S, Greeley Ave, Paul St, Choctaw St, Seneca St, 19th Ave, Gorden Way, 10th St, 4th Ave | $134,000 | $120,000 | $125,000-$150,000 | $90,500 | $80,000 | $100,000-$125,000 |
| 2nd St S, Derinda St, State Hwy 11, US Hwy 281, Dayton St, 20th Ave, Inman Rd, 13th Ave, W Centura St, St Libory Ave | $104,500 | $90,000 | $100,000-$125,000 | $108,000 | $100,000 | $100,000-$125,000 |
| H C Andersen St E, Maple St N, Mead Rd, 6th Ave, W Loup River Rd, Brady Rd, Salem Rd, 3rd Ave, 3rd Ave, 2nd Ave | $109,500 | $90,000 | $75,000-$100,000 | $90,500 | $80,000 | $75,000-$100,000 |
| Merriman St, Front St, Loup River Rd, Odell Rd, 21st Ave, Spruce St, Deadwood Trl, Page Rd, Co Hwy 49, 6th Ave | $82,000 | $70,000 | $75,000-$100,000 | $59,500 | $50,000 | $50,000-$75,000 |
| McKinley St, Hardy Rd, 9th St, 19th Ave, 14th St, 14th Ave, Rd 121, Hannibal St N, Cheyenne St, Roger Welsch Ave E | $100,000 | $90,000 | $100,000-$125,000 | $118,500 | $100,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$175 | $746 |
| Superior Protection Discount | -$83 | $839 |
| Fire & Security Discount | -$65 | $857 |
| Hail Resistant Roof Discount | -$28 | $894 |
| Newly Constructed Home Discount | -$194 | $728 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Howard County | $1,500 | $910 | $2,410 | $662 | $2,162 | $249 |
| Howard County, NE | $1,500 | $910 | $2,410 | $662 | $2,162 | $249 |
| Cleveland, NE | $400 | $1,557 | $1,957 | $1,132 | $1,532 | $426 |
| Cairo, NE | $1,500 | $1,090 | $2,590 | $792 | $2,292 | $298 |
| Hazard, NE | $500 | $782 | $1,282 | $569 | $1,069 | $214 |
| Giltner, NE | $2,500 | $922 | $3,422 | $670 | $3,170 | $252 |
| Beaver, NE | $500 | $783 | $1,283 | $569 | $1,069 | $214 |
| Bradshaw, NE | $1,500 | $844 | $2,344 | $613 | $2,113 | $231 |
| Juniata, NE | $500 | $1,071 | $1,571 | $778 | $1,278 | $293 |
| Kearney, NE | $1,500 | $1,186 | $2,686 | $862 | $2,362 | $324 |
| Midvale, NE | $300 | $1,084 | $1,384 | $788 | $1,088 | $296 |
| Walker, NE | $700 | $1,256 | $1,956 | $913 | $1,613 | $343 |
| Home Insurance Company Howard County, NE | Homeowners Insurance Agency Howard County, NE | Address | Popularity Score | Distance from Howard County (miles) |
|---|---|---|---|---|
| State Farm | Cory Kruse | 3320 2nd Ave, Kearney, NE, 68847-2902 | 46.0 | |
| State Farm | Amy Glenn | 311 W 11th St, Kearney, NE, 68845-7331 | 47.4 | |
| State Farm | Lisa Willman | 3310 W Capital Ave, Grand Island, NE, 68803-1333 | 20.0 | |
| State Farm | Kara Grauerholz | 5609 1st Ave Ste C2, Kearney, NE, 68847-2438 | 44.9 | |
| State Farm | Dayla Mamot-Sack | 1312 L St, Aurora, NE, 68818-2125 | 36.0 | |
| State Farm | Joe Mlinar | 1116 2nd St, Saint Paul, NE, 68873-1708 | 3.2 | |
| Travelers | Cornerstone Insurance Group | 400 Main St, Stromsburg, NE, 68467 | 48.2 | |
| Allstate | The Pinnacle Agency | 3610 West Capital Avenue, Grand Island, NE, 68802 | 19.8 | |
| Travelers | The Pinnacle Agency | 3610 W Capital Ave, Grand Island, NE, 68803 | 19.8 | |
| State Farm | Greg Sanchez | 819 N Diers Ave Ste 4, Grand Island, NE, 68803-4957 | 21.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Nebraska | $142,400 | $1,218 | $840 | $1,690 | $850 |
| Howard County, NE | $119,600 | $921 | $640 | $1,280 | $640 |
| Howard County, NE | $119,600 | $921 | $620 | $1,260 | $640 |
| Cleveland, NE | $222,200 | $1,576 | $1,130 | $2,240 | $1,110 |
| Cairo, NE | $120,700 | $1,103 | $790 | $1,560 | $770 |
| Hazard, NE | $69,000 | $792 | $580 | $1,120 | $540 |
| Giltner, NE | $91,400 | $933 | $680 | $1,280 | $600 |
| Beaver, NE | $69,200 | $793 | $530 | $1,090 | $560 |
| Bradshaw, NE | $78,600 | $854 | $570 | $1,210 | $640 |
| Juniata, NE | $117,200 | $1,084 | $770 | $1,550 | $780 |
| Kearney, NE | $165,800 | $1,201 | $820 | $1,700 | $880 |
| Midvale, NE | $119,600 | $1,097 | $760 | $1,500 | $740 |
| Walker, NE | $152,800 | $1,271 | $880 | $1,750 | $870 |