Unlike car insurance, homeowners insurance is not required by law. However, lenders will require you to have it if you have a mortgage or have taken out a home equity loan. Home insurance is important because it can protect you against many of the risks you face as a homeowner in Nebraska. This includes severe storms, tornadoes, hail, blizzards, fires, property crimes, and even liability lawsuits.
On average, American’s pay $1,173 a year for their home insurance. In Nebraska, rates are generally higher with an average cost of $1,369, making this the 11th most expensive state for coverage. Your rates can be influenced by factors like the size, age, and value of your home, the burglary rate and weather risks in your ZIP code, and even your credit score. Comparison shopping can save you hundreds of dollars by enabling you to find the best price for a suitable policy.
I was going to change my homeowners insurance carrier, so I searched for quotes online from different insurance companies. I Googled for independent insurance agents near me, and found TrustedChoice.com. Their website was easy to navigate and their agent options were just what I was looking for. The company that I chose also provided great service.Sydney of Lincoln, NE Consumer Affairs
Your home insurance is designed to cover the costs associated with many of the risks you face as a property owner in Nebraska. With a comprehensive policy, you can rest assured that your insurance can prevent you from facing a large financial loss due to a variety of hazards ranging from storms to vandalism.
Flood damage is not covered by homeowners insurance. If you live in a flood zone or are at risk for flash flooding, be sure to ask your insurance agent about supplementing your home coverage with a flood insurance policy through the National Flood Insurance Program (NFIP).
There are currently 294 independent insurance agents in Nebraska who are ready to help. Independent agents are free to work with several different insurance companies, so they can provide you with a variety of customized home insurance quotes that you can review and compare. Let a local independent agent help you find the coverage you need at a price you can afford.