Gavop's guide to buying homeowners insurance in Lexington, 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 | $34,500 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $58,500 | $50,000 | $25,000-$50,000 |
| 3 Bedroom | $114,000 | $90,000 | $100,000-$125,000 |
| 4 Bedroom | $149,500 | $120,000 | $150,000-$175,000 |
| 5 Bedroom | $102,500 | $90,000 | $100,000-$125,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$132 | $642 |
| Superior Protection Discount | -$77 | $696 |
| Fire & Security Discount | -$62 | $712 |
| Hail Resistant Roof Discount | -$15 | $758 |
| Newly Constructed Home Discount | -$155 | $619 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,440 |
| Hail Damage | $4,759 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $17,054 |
| Home Insurance Company Lexington, NE | Homeowners Insurance Agency Lexington, NE | Address | Popularity Score | Distance from Lexington (miles) |
|---|---|---|---|---|
| State Farm | Cory Kruse | 3320 2nd Ave, Kearney, NE, 68847-2902 | 35.1 | |
| State Farm | Amy Glenn | 311 W 11th St, Kearney, NE, 68845-7331 | 35.2 | |
| Travelers | Universal Insurance Agency | 940 South E Broken Bow, Broken Bow, NE, 68822 | 43.9 | |
| Allstate | The Pinnacle Agency | 525 North Washington, Lexington, NE, 68850 | 0.3 | |
| Travelers | Family Tradition Inc | 201 N Tyler St, Elm Creek, NE, 68836 | 20.0 | |
| State Farm | Heidi Bazata | 107 E 9th St, Cozad, NE, 69130-1737 | 13.8 | |
| State Farm | Ernie French | 302 E 6th St, Lexington, NE, 68850-2178 | 0.4 | |
| Travelers | Barney Ins-Lexington Inc | 210 E 5th St, Lexington, NE, 68850 | 0.3 | |
| Travelers | Gary Thompson Agency Inc | 217 E Stolley Park Rd, Ste B. Grand Island, Cambridge, NE, 68801 | 40.6 | |
| Travelers | New Frontier Insurance Of Lexington | 605 Taft St., Lexington, NE, 68850 | 0.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Nebraska | $142,400 | $1,218 | $860 | $1,720 | $860 |
| Dawson County, NE | $101,000 | $832 | $610 | $1,170 | $560 |
| Lexington, NE | $89,300 | $774 | $530 | $1,070 | $540 |
| Phelps County, NE | $120,000 | $923 | $620 | $1,300 | $680 |
| Funk, NE | $111,500 | $1,052 | $720 | $1,440 | $720 |
| Frontier County, NE | $98,200 | $818 | $560 | $1,160 | $600 |
| Cambridge, NE | $85,200 | $895 | $610 | $1,230 | $620 |
| Harlan County, NE | $83,200 | $742 | $500 | $1,030 | $530 |
| East Laird, NE | $76,000 | $837 | $570 | $1,190 | $620 |