Gavop's guide to buying homeowners insurance in Otoe 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.
| Otoe 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 | |
| Gage Rd, S 7th St, State Hwy 128, 8th St, 10th St, C St, Co Rd 6, N 19th St, Carol St, Co Rd 30 | $123,000 | $110,000 | $125,000-$150,000 | $94,500 | $90,000 | $75,000-$100,000 |
| Park Ln, F Rd, S 62nd Rd, Co Rd 69, Deer Haven Trl, N 52nd Rd, Spr 66A, Co Rd 36, Kearney Hill Rd, Co Rd R | $90,000 | $80,000 | $100,000-$125,000 | $68,500 | $60,000 | $50,000-$75,000 |
| State Hwy 2 Bus, S 20th Rd, S 17th St, Co Rd O, S 4th St, N 59th Rd, W 18th St, Arbor Dr, S 3rd St, W 5th St | $204,000 | $190,000 | $200,000-$250,000 | $128,000 | $110,000 | $125,000-$150,000 |
| Co Rd 32, N 2nd Rd, McGinley St, N 4th St, Illinois Pl, 6th Rue, 4th Rue, Nebraska St, W Nebraska St, Bc St | $125,500 | $120,000 | $100,000-$125,000 | $120,000 | $110,000 | $125,000-$150,000 |
| 5th St, S 1st St, E 8th St, S 3rd St, N 13th St, Co Rd 4, Maple Crest Dr, Maple St, Maple St, State Spur 66E | $161,000 | $140,000 | $125,000-$150,000 | $91,000 | $80,000 | $50,000-$75,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$123 | $699 |
| Superior Protection Discount | -$82 | $740 |
| Fire & Security Discount | -$66 | $757 |
| Hail Resistant Roof Discount | -$25 | $798 |
| Newly Constructed Home Discount | -$197 | $625 |
| 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 |
| Otoe County | $2,500 | $813 | $3,313 | $591 | $3,091 | $222 |
| Otoe County, NE | $1,000 | $813 | $1,813 | $591 | $1,591 | $222 |
| Lafayette, NE | $400 | $935 | $1,335 | $679 | $1,079 | $255 |
| Woodland Hills, NE | $2,000 | $1,915 | $3,915 | $1,391 | $3,391 | $523 |
| Murdock, NE | $500 | $1,048 | $1,548 | $762 | $1,262 | $286 |
| Centerville, NE | $700 | $1,854 | $2,554 | $1,348 | $2,048 | $507 |
| Bellevue Second III, NE | $200 | $1,540 | $1,740 | $1,119 | $1,319 | $421 |
| Pawnee County, NE | $2,500 | $669 | $3,169 | $486 | $2,986 | $183 |
| Pawnee City, NE | $100 | $689 | $789 | $500 | $600 | $188 |
| Malcolm, NE | $1,500 | $1,194 | $2,694 | $868 | $2,368 | $326 |
| King Lake, NE | $100 | $734 | $834 | $533 | $633 | $201 |
| Elkhorn, NE | $1,000 | $1,830 | $2,830 | $1,330 | $2,330 | $500 |
| Home Insurance Company Otoe County, NE | Homeowners Insurance Agency Otoe County, NE | Address | Popularity Score | Distance from Otoe County (miles) |
|---|---|---|---|---|
| State Farm | Tanya Patzner | 2770 S 129th Ave, Omaha, NE, 68144-3730 | 41.1 | |
| State Farm | Grant Mussman | 606 S 72nd St, Omaha, NE, 68114-4612 | 43.0 | |
| Travelers | Olson Insurance Inc | 609 Olson Dr 609 Olson Dr, Papillion, NE, 68046 | 35.0 | |
| Liberty Mutual Independent | Miller-Monroe Company Inc | 1608 Stone St, Falls City, NE, 68355 | 48.6 | |
| State Farm | Linda Conrad | 210 W Eldora Ave, Weeping Water, NE, 68463-4240 | 16.0 | |
| State Farm | Edgar Deleon | 9739 Giles Rd, La Vista, NE, 68128-2930 | 37.5 | |
| Travelers | Complete Insurance | 700 R St Ste 311, Lincoln, NE, 68501 | 32.8 | |
| Farmers | John Klopp | 2201 N 90th St Ste 124, Omaha, NE, 68134 | 44.4 | |
| Farmers | Ganon Van Dyke | 2707 S 134th Ave Ste 2, Omaha, NE, 68144 | 41.1 | |
| Allstate | Douglas Peterson | 15821 W Dodge Rd Ste 162, Omaha, NE, 68118 | 43.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Nebraska | $142,400 | $1,218 | $890 | $1,670 | $780 |
| Otoe County, NE | $130,700 | $823 | $560 | $1,140 | $580 |
| Otoe County, NE | $130,700 | $823 | $550 | $1,130 | $580 |
| Lafayette, NE | $93,500 | $946 | $680 | $1,350 | $670 |
| Woodland Hills, NE | $331,700 | $1,938 | $1,300 | $2,670 | $1,370 |
| Murdock, NE | $113,100 | $1,061 | $710 | $1,520 | $810 |
| Centerville, NE | $310,700 | $1,877 | $1,260 | $2,680 | $1,420 |
| Bellevue Second III, NE | $217,900 | $1,559 | $1,040 | $2,210 | $1,170 |
| Pawnee County, NE | $71,100 | $677 | $490 | $970 | $480 |
| Pawnee City, NE | $54,900 | $697 | $470 | $1,000 | $530 |
| Malcolm, NE | $140,500 | $1,209 | $820 | $1,720 | $900 |
| King Lake, NE | $61,700 | $743 | $530 | $1,060 | $530 |
| Elkhorn, NE | $302,600 | $1,852 | $1,260 | $2,610 | $1,350 |