Gavop shows you how to buy homeowners insurance in Richardson County, NE by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Richardson 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 | |
| Clark, 636 Ave, 720 Rd, Pony Creek Rd, 3rd St, W 9th St, 712 Trl, Hwy 62, 6th St, Walnut St | $86,000 | $80,000 | $100,000-$125,000 | $63,500 | $60,000 | $50,000-$75,000 |
| W 17th St, 6th St, 638 Ave, W Nickel St, E 24th St, W 25th St, S Main St, 711 Rd, 703 Rd, Ash St | $63,000 | $60,000 | $50,000-$75,000 | $52,000 | $50,000 | $50,000-$75,000 |
| 340th Rd, Commercial St, 708 Rd, W 28th St, 705 Rd, Huber Rd, Nemaha Ave, E 11th St, 715 Rd, Harlan St | $118,500 | $110,000 | $75,000-$100,000 | $93,500 | $80,000 | $75,000-$100,000 |
| W 13th St, Edward St, Appleoff St, 649 Ave, Goldsberry St, 703 Trl, 704 Rd, 702 Rd, Eastview Dr, 708 Rd | $102,000 | $80,000 | $100,000-$125,000 | $82,000 | $70,000 | $75,000-$100,000 |
| 714 Rd, 655 Ave, 717 Rd, 37th St, E 16th St, Maple St, 716 Trl, McDonald St, State Hwy 62, Towel St | $101,500 | $90,000 | $75,000-$100,000 | $75,000 | $60,000 | $75,000-$100,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$127 | $540 |
| Superior Protection Discount | -$60 | $607 |
| Fire & Security Discount | -$60 | $607 |
| Hail Resistant Roof Discount | -$13 | $654 |
| Newly Constructed Home Discount | -$193 | $474 |
| 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 |
| Richardson County | $1,000 | $659 | $1,659 | $479 | $1,479 | $180 |
| Richardson County, NE | $1,500 | $659 | $2,159 | $479 | $1,979 | $180 |
| Hamlin, KS | $100 | $1,574 | $1,674 | $1,144 | $1,244 | $430 |
| Bern, KS | $1,000 | $948 | $1,948 | $689 | $1,689 | $259 |
| Big Lake, MO | $100 | $1,061 | $1,161 | $771 | $871 | $290 |
| Kickapoo Tribal Center, KS | $200 | $687 | $887 | $499 | $699 | $188 |
| Goff, KS | $1,000 | $687 | $1,687 | $499 | $1,499 | $188 |
| Graham, MO | $200 | $744 | $944 | $541 | $741 | $203 |
| Muscotah, KS | $2,000 | $808 | $2,808 | $587 | $2,587 | $221 |
| Blanchard, IA | $500 | $381 | $881 | $277 | $777 | $104 |
| White Cloud, MO | $1,000 | $944 | $1,944 | $686 | $1,686 | $258 |
| Home Insurance Company Richardson County, NE | Homeowners Insurance Agency Richardson County, NE | Address | Popularity Score | Distance from Richardson County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Miller-Monroe Company Inc | 1608 Stone St, Falls City, NE, 68355 | 7.5 | |
| Allstate | Jones Insurance Agency Inc | 1010 Central Ave, Nebraska City, NE, 68410 | 38.9 | |
| Travelers | Miller Monroe Farrell Insurance | 115 N 10th St, Nebraska City, NE, 68410 | 38.9 | |
| Travelers | Miller Monroe Farrell Insurance | 115 N 10th St, Nebraska City, NE, 68410 | 38.9 | |
| State Farm | Pat Castle | 1008 13th St, Auburn, NE, 68305-1910 | 19.6 | |
| Travelers | York Insurance Agency | 215 S 7th, Wymore, NE, 68466 | 50.0 | |
| State Farm | Mike Castle | 2002 Stone St, Falls City, NE, 68355-2031 | 7.4 | |
| State Farm | Randy Debuhr | 1209 Central Avenue, Nebraska City, NE, 68410-2309 | 38.9 | |
| Liberty Mutual Independent | Miller-Monroe Company Inc | 1608 Stone Falls City, Falls City, NE, 68355 | 7.5 | |
| State Farm | Randy Debuhr | 1209 Central Ave, Nebraska City, NE, 68410-2309 | 38.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Nebraska | $142,400 | $1,218 | $820 | $1,740 | $920 |
| Richardson County, NE | $69,300 | $667 | $450 | $950 | $500 |
| Richardson County, NE | $69,300 | $667 | $470 | $910 | $440 |
| Hamlin, KS | $201,700 | $1,593 | $1,240 | $2,150 | $910 |
| Bern, KS | $70,000 | $960 | $750 | $1,300 | $550 |
| Big Lake, MO | $141,700 | $1,074 | $770 | $1,540 | $770 |
| Kickapoo Tribal Center, KS | $37,500 | $695 | $540 | $940 | $400 |
| Goff, KS | $37,500 | $695 | $540 | $940 | $400 |
| Graham, MO | $52,500 | $753 | $520 | $1,040 | $520 |
| Muscotah, KS | $51,700 | $818 | $640 | $1,100 | $460 |
| Blanchard, IA | $37,500 | $386 | $270 | $540 | $270 |
| White Cloud, MO | $102,500 | $955 | $680 | $1,310 | $630 |