Average homeowners insurance cost in Kearney, NE

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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 takeaways

Homeowners 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 month

Kearney 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	$4,308
Farmers	$4,584
Iowa Farm bureau	$4,674
State Farm	$5,095
Allstate	$6,511
Nationwide	$6,689
Farmers Mutual Ins Co of NE	$4,660
USAA*	$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.