Gavop's guide to buying homeowners insurance in Webster 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $31,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $55,500 | $50,000 | $50,000-$75,000 |
| 3 Bedroom | $103,000 | $90,000 | $75,000-$100,000 |
| 4 Bedroom | $132,000 | $120,000 | $150,000-$175,000 |
| 5 Bedroom | $169,000 | $140,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$126 | $575 |
| Superior Protection Discount | -$70 | $631 |
| Fire & Security Discount | -$56 | $645 |
| Hail Resistant Roof Discount | -$14 | $687 |
| Newly Constructed Home Discount | -$140 | $561 |
| 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 |
| Webster County | $700 | $693 | $1,393 | $504 | $1,204 | $189 |
| Webster County, NE | $1,500 | $693 | $2,193 | $504 | $2,004 | $189 |
| Guide Rock, NE | $500 | $446 | $946 | $324 | $824 | $122 |
| Zero, NE | $2,500 | $1,378 | $3,878 | $1,002 | $3,502 | $377 |
| Burr Oak, KS | $100 | $677 | $777 | $492 | $592 | $185 |
| Kenesaw, NE | $300 | $971 | $1,271 | $706 | $1,006 | $265 |
| Sinclair, KS | $2,500 | $921 | $3,421 | $669 | $3,169 | $252 |
| Saronville, NE | $400 | $713 | $1,113 | $518 | $918 | $195 |
| Bruning, NE | $100 | $750 | $850 | $545 | $645 | $205 |
| Home Insurance Company Webster County, NE | Homeowners Insurance Agency Webster County, NE | Address | Popularity Score | Distance from Webster County (miles) |
|---|---|---|---|---|
| State Farm | Cory Kruse | 3320 2nd Ave, Kearney, NE, 68847-2902 | 47.8 | |
| State Farm | Matt Pawloski | 216 W 42nd St, Kearney, NE, 68845-8500 | 48.2 | |
| State Farm | Scott Norlen | 1017 W 2nd St, Hastings, NE, 68901-5008 | 28.5 | |
| State Farm | Judy Barnes | 205 S Burlington Ave, Hastings, NE, 68901-5905 | 28.3 | |
| State Farm | Kim Snavely | 816 15th Avenue Suite A Po Box 264, Franklin, NE, 68939 | 24.8 | |
| Allstate | Andrew Newton | 3423 2nd Ave Ste 4, Kearney, NE, 68847 | 47.8 | |
| State Farm | Dick Walsh | 1248 Lincoln Avenue, Hebron, NE, 68370 | 48.7 | |
| Travelers | Gary Thompson Agency Inc | 217 E Stolley Park Rd, Ste B. , Grand Island, NE, 68801 | 31.6 | |
| Liberty Mutual Independent | Ellerbrock-Norris Agency Inc | 2203 Osborne Dr., West , Hastings, NE, 68901 | 31.4 | |
| Travelers | Astra Insurance Services Inc | 105 S Saunders Ave, Sutton, NE, 68979 | 44.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Nebraska | $142,400 | $1,218 | $830 | $1,740 | $910 |
| Webster County, NE | $75,600 | $701 | $470 | $1,000 | $530 |
| Webster County, NE | $75,600 | $701 | $510 | $990 | $480 |
| Guide Rock, NE | $21,000 | $451 | $300 | $630 | $330 |
| Zero, NE | $179,200 | $1,395 | $1,020 | $1,930 | $910 |
| Burr Oak, KS | $36,300 | $685 | $530 | $920 | $390 |
| Kenesaw, NE | $99,600 | $983 | $720 | $1,400 | $680 |
| Sinclair, KS | $66,300 | $932 | $730 | $1,260 | $530 |
| Saronville, NE | $58,600 | $722 | $490 | $1,030 | $540 |
| Bruning, NE | $64,100 | $759 | $520 | $1,040 | $520 |