Gavop's guide to buying homeowners insurance in Gosper 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.
| Gosper County, NE - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Rd 418, East Ln, Drive 424A, Drive 422, Johnson Lake Dr20, Oakland Ave, Rd 426, Mallard Cove Dr19 Sections C D E, Rd 435, R D 420 | $134,500 | $120,000 | $150,000-$175,000 | $155,500 | $130,000 | $175,000-$200,000 |
| E Ln Drive 28, E Park Drive25A, Rd 415, Rd 432, Rd 739, Rd 428, Rd 740, Rd 729, Ln Three Dr28, Drive 426A | $107,000 | $90,000 | $100,000-$125,000 | $153,500 | $130,000 | $125,000-$150,000 |
| Rd 732, R D 438, Rd 431, Drive 733, Rd 422, Mallard Beach Drive20 1-4, Johnson Lake Dr, Johnson Lake Dr26, Kirby Pt, Drive 423 | $71,500 | $70,000 | $75,000-$100,000 | $165,500 | $150,000 | $175,000-$200,000 |
| State Hwy 18, Rd 737, Drive 429A, Rd 437, Rd 746, Nebraska Ave, Monroe Dr, Drive 737, E Shore Dr 1b, N Oxford Ave | $94,000 | $80,000 | $100,000-$125,000 | $97,000 | $90,000 | $75,000-$100,000 |
| Mallard Beach Drive22A, Rockford St, Bellamy St, Commercial Ave, Orange Ave, Drive 425A, E Loup St, Rd 417, Rd 421, Drive 428 | $89,500 | $80,000 | $75,000-$100,000 | $94,000 | $80,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$136 | $770 |
| Superior Protection Discount | -$91 | $816 |
| Fire & Security Discount | -$91 | $816 |
| Hail Resistant Roof Discount | -$27 | $879 |
| Newly Constructed Home Discount | -$218 | $689 |
| 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 |
| Gosper County | $1,000 | $895 | $1,895 | $651 | $1,651 | $245 |
| Gosper County, NE | $700 | $895 | $1,595 | $651 | $1,351 | $245 |
| Smithfield, NE | $400 | $1,044 | $1,444 | $759 | $1,159 | $285 |
| Arapahoe, NE | $2,000 | $853 | $2,853 | $620 | $2,620 | $233 |
| Stamford, NE | $1,500 | $660 | $2,160 | $480 | $1,980 | $180 |
| Moorefield, NE | $400 | $903 | $1,303 | $656 | $1,056 | $247 |
| Amherst, NE | $1,500 | $962 | $2,462 | $699 | $2,199 | $263 |
| Hildreth, NE | $400 | $865 | $1,265 | $629 | $1,029 | $237 |
| Minden, NE | $1,500 | $1,116 | $2,616 | $811 | $2,311 | $305 |
| Home Insurance Company Gosper County, NE | Homeowners Insurance Agency Gosper County, NE | Address | Popularity Score | Distance from Gosper County (miles) |
|---|---|---|---|---|
| State Farm | Kristie Baker | 201 W 4th St, Mccook, NE, 69001-3628 | 47.7 | |
| State Farm | Amy Glenn | 311 W 11th St, Kearney, NE, 68845-7331 | 40.6 | |
| State Farm | Steve Mccoy | 514 Nebraska Ave, Arapahoe, NE, 68922-0560 | 14.8 | |
| Allstate | The Pinnacle Agency | 525 North Washington, Lexington, NE, 68850 | 19.0 | |
| State Farm | Steve Mccoy | 514 Nebraska Ave, Arapahoe, NE, 68922-2832 | 14.8 | |
| State Farm | Kim Snavely | 243 N Minden Ave, Minden, NE, 68959-1625 | 46.2 | |
| State Farm | Linda Maiden | 802 W B St Ste 101, Mccook, NE, 69001-3585 | 48.0 | |
| State Farm | Ernie French | 302 E 6th St, Lexington, NE, 68850-2178 | 19.1 | |
| State Farm | Donna Cahill | 524 9th St, Gothenburg, NE, 69138 | 33.8 | |
| Travelers | Barney Ins-Lexington Inc | 210 E 5th St, Lexington, NE, 68850 | 19.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Nebraska | $142,400 | $1,218 | $860 | $1,670 | $810 |
| Gosper County, NE | $116,300 | $906 | $630 | $1,280 | $650 |
| Gosper County, NE | $116,300 | $906 | $630 | $1,260 | $630 |
| Smithfield, NE | $112,500 | $1,057 | $760 | $1,460 | $700 |
| Arapahoe, NE | $80,100 | $863 | $610 | $1,180 | $570 |
| Stamford, NE | $50,700 | $668 | $470 | $950 | $480 |
| Moorefield, NE | $88,300 | $914 | $650 | $1,260 | $610 |
| Amherst, NE | $98,100 | $974 | $700 | $1,330 | $630 |
| Hildreth, NE | $82,100 | $876 | $590 | $1,220 | $630 |
| Minden, NE | $125,600 | $1,130 | $820 | $1,560 | $740 |