Home Home insurance Average home insurance cost Nebraska Kearney, NE Average homeowners insurance cost in Kearney, NE View Carriers Please enter valid zip Compare top carriers in your area Written by By Insure.com's EditorUpdated on: September 3, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. In Kearney, homeowners pay an average annual rate of $5,127 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $2,545 more than the national average of $2,582. Homeowners insurance rates change from one home to another. The home insurance premium in Kearney depends on various factors, such as: Size of your home Age of your home Amount of coverage you need Location Your credit score To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements. Read this guide to learn how much homeowners insurance costs monthly in Kearney, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Kearney. Key takeawaysHomeowners insurance costs $5,127 per year in Kearney. At $4,308 per year, American Family offers the cheapest homeowners insurance in Kearney. Your home insurance rates increase by $1,246 more annually if you increase your dwelling coverage from $200,000 to $300,000. Average homeowners insurance cost in Kearney per monthKearney homeowners pay an average of $427 a month, based on our rate analysis. It’s $28 more than the state average of $399 and $212 more than the national average for home insurance across the United States. The price of your homeowners insurance policy in Kearney may vary depending on where you live, the value of your home, and the coverage you choose. Average homeowners insurance cost for a $200,000 house in Kearney In Kearney, NE, homeowners pay an average of $3,881 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality. Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance. Average homeowners insurance cost for a $300,000 house in Kearney Based on a rate analysis conducted by Insure.com, Kearney residents pay an average of $5,127 per year to insure a home for coverage limits of $300,000 dwelling, $100,000 liability with a $1,000 deductible. If you plan to increase your dwelling coverage from $200,000 to $300,000, you must pay an additional $1,246 per year for home insurance. Buying adequate insurance to cover the entire expense of rebuilding your home is best advisable. However, the amount of dwelling coverage you need may vary depending on your home’s size, amenities, and the cost of living in your area. Average homeowners insurance cost in Kearney by Company Among the carriers analyzed, American Family is the cheapest homeowners insurance company in Kearney. It’s average annual rate for Kearney homeowners is $4,308. Farmers ranks second and Farmers Mutual Ins Co of NE makes it to the third spot with an average annual home insurance rate of $4,660. Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Kearney and prepared a list of the cheapest home insurance providers. You can find below the Kearney home insurance companies and their average annual premium. Home Insurance Company Annual rate American Family$4,308Farmers$4,584Iowa Farm bureau$4,674State Farm$5,095Allstate$6,511Nationwide$6,689Farmers Mutual Ins Co of NE$4,660USAA*$5,038 Methodology Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Kearney for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment. How much is home insurance in other citiesBellevueGrand IslandLincolnOmaha In case you missed it What is HO-6 condo insurance and how much does it cost? Average homeowners insurance cost by ZIP code in 2024 What is dwelling coverage and how much do you need? Personal liability insurance: What it is and why you need it Renters insurance quotes: Compare rates Hurricanes and home insurance: How hurricane insurance works How replacement cost coverage works when you file a claim How much do claims increase home insurance rates? 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By Ashlee Tilford On this page Average homeowners insurance cost in Kearney per month Average homeowners insurance cost for a $200,000 house in Kearney Average homeowners insurance cost for a $300,000 house in Kearney Average homeowners insurance cost in Kearney by Company Methodology ZIP Code Please enter valid ZIP See rates