Gavop shows you how to buy homeowners insurance in Clay County, NE by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Clay 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 | |
| N A St, S E St, Denton St, E 9th St, Gipe St, Rd 308, S Saunders Ave, E Oak St, State Hwy 14, E Beech St | $88,000 | $70,000 | $75,000-$100,000 | $91,000 | $80,000 | $75,000-$100,000 |
| Hartford St, A St, N Gray Ave, Olive St, Dewey St, E 5th St, Rd Kl, W Willow St, S Main Ave, E 7th St | $138,000 | $130,000 | $100,000-$125,000 | $101,500 | $90,000 | $100,000-$125,000 |
| W 11th St, Rd 323, Rd X, Lena St, S Alexander Ave, Rd C, Road N, N C St, Rd R, Riverview Ave | $71,500 | $70,000 | $75,000-$100,000 | $55,500 | $50,000 | $50,000-$75,000 |
| W Thurber St, W Sutton St, S Adams Ave, Road W, Rd 317, Rd J, B St, Rd U, Willow St, S York Ave | $63,000 | $60,000 | $50,000-$75,000 | $53,000 | $40,000 | $50,000-$75,000 |
| N Walnut St, E South St, 2nd St, Fink St, Caldwell St, Main St, N Horseshoe Ave, S Martin Ave, N F St, Vernon St | $131,500 | $120,000 | $125,000-$150,000 | $71,000 | $60,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$120 | $631 |
| Superior Protection Discount | -$75 | $676 |
| Fire & Security Discount | -$68 | $683 |
| Hail Resistant Roof Discount | -$23 | $728 |
| Newly Constructed Home Discount | -$188 | $563 |
| 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 |
| Clay County | $1,000 | $742 | $1,742 | $539 | $1,539 | $203 |
| Clay County, NE | $2,000 | $742 | $2,742 | $539 | $2,539 | $203 |
| Fairfield, NE | $200 | $756 | $956 | $549 | $749 | $207 |
| Edgar, NE | $1,500 | $736 | $2,236 | $535 | $2,035 | $201 |
| Adams County, NE | $200 | $986 | $1,186 | $716 | $916 | $269 |
| Holstein, NE | $1,500 | $792 | $2,292 | $576 | $2,076 | $217 |
| Vieregg, NE | $200 | $1,055 | $1,255 | $767 | $967 | $288 |
| Byron, NE | $700 | $498 | $1,198 | $362 | $1,062 | $136 |
| Hordville, NE | $100 | $585 | $685 | $425 | $525 | $160 |
| Daykin, NE | $2,000 | $732 | $2,732 | $532 | $2,532 | $200 |
| Thayer, NE | $500 | $1,078 | $1,578 | $783 | $1,283 | $295 |
| Home Insurance Company Clay County, NE | Homeowners Insurance Agency Clay County, NE | Address | Popularity Score | Distance from Clay County (miles) |
|---|---|---|---|---|
| State Farm | Scott Norlen | 1017 W 2nd St, Hastings, NE, 68901-5008 | 18.6 | |
| Travelers | All American-Geneva | 141 N 10th Street, Geneva, NE, 68361 | 23.7 | |
| State Farm | Judy Barnes | 205 S Burlington Ave, Hastings, NE, 68901-5905 | 18.4 | |
| Allstate | The Pinnacle Agency | 3610 West Capital Avenue, Grand Island, NE, 68802 | 34.1 | |
| State Farm | Dick Walsh | 1248 Lincoln Avenue, Hebron, NE, 68370 | 35.1 | |
| State Farm | Laura Schneider | 410 N Minnesota, Hastings, NE, 68901-5254 | 18.0 | |
| Farmers | Jeremiah Cody Fierstein | 308 N Central Ave, Superior, NE, 68978 | 34.8 | |
| Travelers | Steve Hannon Insurance Llc | 908 N Grant Ave Ste 1, York, NE, 68467 | 34.0 | |
| Travelers | Ellerbrock-Norris Agency Inc | 2203 Osborne Dr., West , Hastings, NE, 68901 | 18.8 | |
| State Farm | Sonya Romersheuser | 1140 E 3rd St, Superior, NE, 68978-2026 | 34.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Nebraska | $142,400 | $1,218 | $820 | $1,740 | $920 |
| Clay County, NE | $85,000 | $751 | $530 | $1,040 | $510 |
| Clay County, NE | $85,000 | $751 | $550 | $1,040 | $490 |
| Fairfield, NE | $65,000 | $765 | $510 | $1,090 | $580 |
| Edgar, NE | $61,900 | $745 | $510 | $1,060 | $550 |
| Adams County, NE | $115,300 | $998 | $720 | $1,430 | $710 |
| Holstein, NE | $70,500 | $802 | $570 | $1,100 | $530 |
| Vieregg, NE | $114,400 | $1,068 | $730 | $1,520 | $790 |
| Byron, NE | $28,000 | $504 | $340 | $690 | $350 |
| Hordville, NE | $40,000 | $592 | $410 | $830 | $420 |
| Daykin, NE | $61,300 | $741 | $530 | $1,050 | $520 |
| Thayer, NE | $118,500 | $1,091 | $750 | $1,520 | $770 |