Gavop's guide to buying homeowners insurance in Union, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $36,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $84,000 | $70,000 | $75,000-$100,000 |
| 3 Bedroom | $113,500 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $113,500 | $110,000 | $125,000-$150,000 |
| 5 Bedroom | $148,500 | $140,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$165 | $705 |
| Superior Protection Discount | -$87 | $783 |
| Fire & Security Discount | -$61 | $809 |
| Hail Resistant Roof Discount | -$17 | $853 |
| Newly Constructed Home Discount | -$226 | $644 |
| 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 |
| Douglas County | $1,500 | $1,178 | $2,678 | $856 | $2,356 | $322 |
| Union, NE | $1,000 | $860 | $1,860 | $625 | $1,625 | $235 |
| Blair, NE | $500 | $858 | $1,358 | $624 | $1,124 | $235 |
| Belknap, IA | $1,000 | $746 | $1,746 | $542 | $1,542 | $204 |
| Henderson, IA | $400 | $519 | $919 | $377 | $777 | $142 |
| Rawles, IA | $2,500 | $929 | $3,429 | $675 | $3,175 | $254 |
| Thurman, IA | $200 | $571 | $771 | $415 | $615 | $156 |
| Bohemia, NE | $2,500 | $1,695 | $4,195 | $1,232 | $3,732 | $463 |
| Onawa, IA | $100 | $665 | $765 | $483 | $583 | $182 |
| Stevens Creek, NE | $2,000 | $2,037 | $4,037 | $1,481 | $3,481 | $557 |
| Oak Creek, NE | $500 | $1,212 | $1,712 | $881 | $1,381 | $331 |
| Home Insurance Company Union, NE | Homeowners Insurance Agency Union, NE | Address | Popularity Score | Distance from Union (miles) |
|---|---|---|---|---|
| State Farm | Tanya Patzner | 2770 S 129th Ave, Omaha, NE, 68144-3730 | 10.5 | |
| Travelers | Farmers National Company | 11516 Nicholas St Ste 100, Omaha, NE, 68154 | 7.8 | |
| State Farm | Joe Hurley | 6315 Center St Ste 102, Omaha, NE, 68106-2859 | 9.3 | |
| State Farm | Larry Smith | 11717 Burt St Ste 105, Omaha, NE, 68154-1500 | 8.1 | |
| Allstate | Joshua Weeks | 5122 N 156th St, Omaha, NE, 68116 | 8.0 | |
| State Farm | Sherman Willis | 4915 N 120th St Ste 107, Omaha, NE, 68164-2004 | 5.9 | |
| Farmers | John Klopp | 2201 N 90th St Ste 124, Omaha, NE, 68134 | 6.5 | |
| Travelers | Accolade Insurance | 7431 Pacific St, Omaha, NE, 68114 | 8.5 | |
| Allstate | James Stinson | 719 N 132nd St, Omaha, NE, 68154 | 8.6 | |
| State Farm | Cort Bonner | 3125 N 120th St, Omaha, NE, 68164-2527 | 6.9 |
| 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 | $1,680 | $840 |
| Douglas County, NE | $155,100 | $1,192 | $860 | $1,650 | $790 |
| Union, NE | $143,400 | $870 | $580 | $1,240 | $660 |
| Blair, NE | $143,000 | $869 | $630 | $1,190 | $560 |
| Belknap, IA | $114,700 | $755 | $540 | $1,070 | $530 |
| Henderson, IA | $61,900 | $525 | $360 | $740 | $380 |
| Rawles, IA | $180,200 | $940 | $640 | $1,340 | $700 |
| Thurman, IA | $72,500 | $578 | $410 | $810 | $400 |
| Bohemia, NE | $260,400 | $1,716 | $1,180 | $2,350 | $1,170 |
| Onawa, IA | $93,500 | $673 | $490 | $920 | $430 |
| Stevens Creek, NE | $377,500 | $2,062 | $1,460 | $2,820 | $1,360 |
| Oak Creek, NE | $144,000 | $1,227 | $880 | $1,740 | $860 |