How Can I Make My Kearney, NE Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Kearney, 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.
Compare Quotes from Top Providers and Save now!
Select the Suitable Coverage Value for your Kearney, NE Home | Back to Top
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $48,500 | $40,000 | $50,000-$75,000 |
| 2 Bedroom | $86,000 | $80,000 | $75,000-$100,000 |
| 3 Bedroom | $109,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $187,000 | $160,000 | $150,000-$175,000 |
| 5 Bedroom | $112,500 | $100,000 | $125,000-$150,000 |
Estimate your Savings with Home Insurance Discounts in Kearney, NE | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$180 | $1,021 |
| Superior Protection Discount | -$108 | $1,093 |
| Fire & Security Discount | -$96 | $1,105 |
| Hail Resistant Roof Discount | -$36 | $1,165 |
| Newly Constructed Home Discount | -$252 | $948 |
Choose your Kearney, NE Home Insurance Coverage for your Specific Claim Requirement | Back to Top
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,295 |
| Hail Damage | $4,759 |
| Wind Damage | $6,114 |
| Expensive Claims | |
| Fire | $44,229 |
| Smoke | $17,222 |
Identify Top Home Insurance Agents near Kearney, NE | Back to Top
| Home Insurance Company Kearney, NE | Homeowners Insurance Agency Kearney, NE | Address | Popularity Score | Distance from Kearney (miles) |
|---|---|---|---|---|
| State Farm | Cory Kruse | 3320 2nd Ave, Kearney, NE, 68847-2902 | 0.6 | |
| State Farm | Amy Glenn | 311 W 11th St, Kearney, NE, 68845-7331 | 1.1 | |
| State Farm | Kara Grauerholz | 5609 1st Ave Ste C2, Kearney, NE, 68847-2438 | 2.0 | |
| State Farm | Matt Pawloski | 216 W 42nd St, Kearney, NE, 68845-8500 | 1.1 | |
| State Farm | Ty Benton | 1300 S Locust St, Grand Island, NE, 68801-8200 | 41.5 | |
| Travelers | Family Tradition Inc | 201 N Tyler St, Elm Creek, NE, 68836 | 15.3 | |
| Travelers | Ryder-Rosacker-Mccue & Huston | 509 W Koenig St Grand Island, Grand Island, NE, 68801 | 41.7 | |
| State Farm | Kim Snavely | 243 N Minden Ave, Minden, NE, 68959-1625 | 15.7 | |
| State Farm | Laura Schneider | 410 N Minnesota Ave, Hastings, NE, 68901-5254 | 37.6 | |
| Allstate | Andrew Newton | 3423 2nd Ave Ste 4, Kearney, NE, 68847 | 0.6 |
Compare Rates for Kearney, NE Home Insurance Providers | Back to Top
| 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 | $1,720 | $880 |
| Buffalo County, NE | $161,200 | $1,220 | $870 | $1,740 | $870 |
| Kearney, NE | $165,800 | $1,201 | $800 | $1,660 | $860 |
| Ravenna, NE | $95,900 | $961 | $660 | $1,320 | $660 |
| Litchfield, NE | $47,900 | $648 | $430 | $920 | $490 |
| Smithfield, NE | $112,500 | $1,057 | $710 | $1,500 | $790 |
| Ashton, NE | $84,500 | $891 | $610 | $1,240 | $630 |
| Howard County, NE | $119,600 | $921 | $620 | $1,280 | $660 |
| Dannevirke, NE | $110,800 | $1,048 | $770 | $1,490 | $720 |
Research Home Insurance Companies Reviews in Kearney, NE Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: September 10, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
Last year we had hail damage from bad weather. I called to file a claim, which I had never done before, and I received the best customer service.
Date: August 09, 2019 Age: Above 60 Gender: Male Marital Status: Unmarried
Premium
Our premium seems high. But I think it is comparable to other insurance companies when taken one by one. I also like the fact that there are things I can do to lower my premiums (such as taking a defensive driving course). My deductible is very reasonable.
Date: July 12, 2019 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
I think my insurance company offers all of the standard thigs offered just like every other insurance company. I wish that they would offer flooding insurance based upon a pump failure .
Date: April 06, 2019 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Customer Service
Customer Service has been timely and responsive to an issues that have come up. Have always gotten a quick response to inquiries and resolution to problems that arise
Date: December 11, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
We currently have State Farm for our home insurance. Their quote for our home beat out two other major brands and they claim to help us when and if we ever have a need. So I am holding them to that. Hopefully they will come through for us. Things covered are roofing and flood damage are our major concerns.
Date: October 18, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
Premium is about the same as it is for all other companies on a similar level really
GEICO Home Insurance Reviews
Date: August 19, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
The premium and deductible of my insurance policy suits my needs, as I mentioned before it is not the cheapest in the market, but for me it is reliable, I have not yet had to go to claims related to my home insurance.
Date: December 31, 2018 Age: 20 to 29 Gender: Female Marital Status: Married
Premium
I chose my own premium, and the rates were comparable, so I would give it a 5. I could have chosen higher coverage for more or less money, but I felt it was fair. It is only a little bit per month compared to what I have paid in the past.
Farmer's Insurance Home Insurance Reviews
Date: December 30, 2019 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
They are comparable to other insurance companies and have been there the few times we needed them, such as a fence down for a storm.
Date: May 28, 2019 Age: 50 to 59 Gender: Married Marital Status: Male
Customer Service
Decent customer service, although I've never filed a claim. They are quick to provide information & answers to any questions. Usually am able to speak to a person quickly when calling.
Farm Bureau Home Insurance Reviews
Date: July 30, 2019 Age: 50 to 59 Gender: Female Marital Status: Unmarried
Policy Offerings
They don't require you to buy a minimum amount. Other companies do, and they wind up making their insurance unaffordable for people like me.
Travelers Home Insurance Reviews
Date: January 01, 2020 Age: 20 to 29 Gender: Male Marital Status: Unmarried
Premium
My premium is quite high, however, as previously mentioned above I do have a lot of coverage under my homeowners policy. In comparison with other insurance companies, my premium and deductible is quite competitive.
Safeco Insurance Home Insurance Reviews
Date: October 15, 2018 Age: 20 to 29 Gender: Female Marital Status: Unmarried
Communication
I have not had to interact with my insurance company's customer service. I have been very fortunate to not have to file any claims.