Gavop's guide to buying homeowners insurance in Cherry 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 | $38,000 | $30,000 | $25,000-$50,000 |
| 2 Bedroom | $120,000 | $110,000 | $125,000-$150,000 |
| 3 Bedroom | $122,000 | $100,000 | $100,000-$125,000 |
| 4 Bedroom | $144,000 | $120,000 | $125,000-$150,000 |
| 5 Bedroom | $198,500 | $170,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$138 | $784 |
| Superior Protection Discount | -$83 | $839 |
| Fire & Security Discount | -$65 | $858 |
| Hail Resistant Roof Discount | -$28 | $895 |
| Newly Constructed Home Discount | -$231 | $692 |
| 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 |
| Cherry County | $2,000 | $911 | $2,911 | $662 | $2,662 | $249 |
| Cherry County, NE | $2,500 | $911 | $3,411 | $662 | $3,162 | $249 |
| Cody, NE | $700 | $773 | $1,473 | $561 | $1,261 | $211 |
| Spring Creek, SD | $1,500 | $544 | $2,044 | $396 | $1,896 | $149 |
| Seneca, NE | $200 | $531 | $731 | $386 | $586 | $145 |
| West Todd, SD | $1,000 | $571 | $1,571 | $415 | $1,415 | $156 |
| East Bennett, SD | $1,000 | $725 | $1,725 | $527 | $1,527 | $198 |
| Home Insurance Company Cherry County, NE | Homeowners Insurance Agency Cherry County, NE | Address | Popularity Score | Distance from Cherry County (miles) |
|---|---|---|---|---|
| State Farm | Dave Major | 115 N Hall Street, Valentine, NE, 69201-0068 | 33.9 |
| 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 |
| Cherry County, NE | $119,800 | $922 | $650 | $1,280 | $630 |
| Cherry County, NE | $119,800 | $922 | $670 | $1,280 | $610 |
| Cody, NE | $67,500 | $782 | $530 | $1,100 | $570 |
| Spring Creek, SD | $31,900 | $551 | $370 | $750 | $380 |
| Seneca, NE | $32,500 | $537 | $380 | $740 | $360 |
| West Todd, SD | $38,400 | $578 | $390 | $810 | $420 |
| East Bennett, SD | $79,000 | $734 | $520 | $1,020 | $500 |