Gavop's guide to buying homeowners insurance in Madison 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 | $42,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $109,500 | $90,000 | $75,000-$100,000 |
| 3 Bedroom | $123,500 | $100,000 | $125,000-$150,000 |
| 4 Bedroom | $197,000 | $160,000 | $150,000-$175,000 |
| 5 Bedroom | $222,000 | $180,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$169 | $885 |
| Superior Protection Discount | -$95 | $959 |
| Fire & Security Discount | -$105 | $948 |
| Hail Resistant Roof Discount | -$32 | $1,022 |
| Newly Constructed Home Discount | -$221 | $832 |
| 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 |
| Madison County | $1,500 | $1,041 | $2,541 | $757 | $2,257 | $284 |
| Madison County, NE | $2,000 | $1,041 | $3,041 | $757 | $2,757 | $284 |
| Emerick, NE | $100 | $1,095 | $1,195 | $796 | $896 | $299 |
| Hancock, NE | $200 | $914 | $1,114 | $664 | $864 | $250 |
| Boone, NE | $2,500 | $1,506 | $4,006 | $1,094 | $3,594 | $411 |
| Winside, NE | $400 | $776 | $1,176 | $564 | $964 | $212 |
| Chapin, NE | $1,000 | $902 | $1,902 | $656 | $1,656 | $247 |
| Oconee, NE | $100 | $861 | $961 | $625 | $725 | $235 |
| Carroll, NE | $2,000 | $717 | $2,717 | $521 | $2,521 | $196 |
| Deloit, NE | $300 | $1,592 | $1,892 | $1,157 | $1,457 | $435 |
| Winnetoon, NE | $2,500 | $517 | $3,017 | $376 | $2,876 | $141 |
| Home Insurance Company Madison County, NE | Homeowners Insurance Agency Madison County, NE | Address | Popularity Score | Distance from Madison County (miles) |
|---|---|---|---|---|
| Farmers | Felipe Pulido | 805 S 13th St Ste A, Norfolk, NE, 68701 | 12.2 | |
| Travelers | American Allied | 800 Custer Ave, Norfolk, NE, 68701 | 13.6 | |
| State Farm | Ryan Knispel | 125 N Main St, West Point, NE, 68788-1415 | 46.4 | |
| State Farm | Annette Alt | 3220 19th St, Columbus, NE, 68601-4223 | 35.0 | |
| Allstate | Mitchell Happ | 802 W Norfolk Ave, Norfolk, NE, 68701 | 12.9 | |
| State Farm | Geri Berg | 1217 W Norfolk Ave, Norfolk, NE, 68701-4940 | 12.7 | |
| State Farm | Michael Brittenham | 315 E 23rd St, Columbus, NE, 68601-2824 | 35.7 | |
| State Farm | Scot Daniels | 430 W Main St, Albion, NE, 68620-1231 | 25.3 | |
| State Farm | Rusty Parker | 202 N Pearl St, Wayne, NE, 68787-1902 | 37.5 | |
| State Farm | Ryan Knispel | 401 W Omaha Avenue, Norfolk, NE, 68701 | 12.5 |
| 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 | $1,680 | $790 |
| Madison County, NE | $126,100 | $1,054 | $720 | $1,500 | $780 |
| Madison County, NE | $126,100 | $1,054 | $750 | $1,460 | $710 |
| Emerick, NE | $121,500 | $1,108 | $750 | $1,540 | $790 |
| Hancock, NE | $90,000 | $925 | $640 | $1,280 | $640 |
| Boone, NE | $209,100 | $1,524 | $1,020 | $2,120 | $1,100 |
| Winside, NE | $67,900 | $785 | $530 | $1,080 | $550 |
| Chapin, NE | $88,000 | $913 | $610 | $1,310 | $700 |
| Oconee, NE | $81,300 | $871 | $640 | $1,200 | $560 |
| Carroll, NE | $59,200 | $726 | $490 | $990 | $500 |
| Deloit, NE | $231,300 | $1,611 | $1,080 | $2,240 | $1,160 |
| Winnetoon, NE | $30,600 | $523 | $380 | $720 | $340 |