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Wayne, NE Home Insurance Rates - What Drives It?

The variables explained here drive your Wayne, Nebraska Home Insurance Rates & focusing on them can qualify you for a really cheap quote.

Replacement Value of your home in Wayne, NE is the biggest driver of your coverage & home insurance.

Here is a list of replacement costs & home insurance for Wayne, NE & nearby areas

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Wayne 3 Beds, 1 Bath, 2320 sqft $160,000 $46
Lawton, IA 4 Beds, 2 Baths, 2,410 sqft $254,000 $47
Emerson 2 Beds, 1 Bath, 1,070 sqft $90,000 $30
Webster 4 Beds, 3 Baths, 2,090 sqft $187,000 $64
Wilbur 3 Beds, 1 Bath, 1,760 sqft $89,000 $38
Anderson 3 Beds, 2 Baths, 1,540 sqft $79,000 $36
Prairie Center, SD 4 Beds, 3 Baths, 1,610 sqft $78,000 $40
Dawes 2 Beds, 1 Bath, 1,040 sqft $73,000 $20
Big Sioux, SD 2 Beds, 1 Bath, 1,150 sqft $73,000 $22
Yankton, SD 4 Beds, 3 Baths, 2,350 sqft $108,000 $63
Columbia 4 Beds, 2 Baths, 1,800 sqft $112,000 $32
Decatur 2 Beds, 1 Bath, 1,520 sqft $144,000 $49
Monterey 2 Beds, 1 Bath, 1,280 sqft $83,000 $17
Ottercreek 3 Beds, 1 Bath, 1,690 sqft $146,000 $39
Beemer 3 Beds, 1 Bath, 1,240 sqft $53,000 $20
West Point 3 Beds, 1 Bath, 1,620 sqft $146,000 $56
Warnerville 2 Beds, 1 Bath, 1,170 sqft $74,000 $35
Wakefield 3 Beds, 2 Baths, 2,260 sqft $138,000 $49
Dewey 2 Beds, 1 Bath, 1,710 sqft $125,000 $54
Randolph 3 Beds, 2 Baths, 1,760 sqft $100,000 $31
Meckling, SD 4 Beds, 1 Bath, 2,870 sqft $160,000 $62

If your Wayne, NE home has prior claims, your insurance is likelier to be higher

Here are some typical claims filed in Wayne:

Claim Typical Claim Amount
THEFT/BURGLARY $2,500
WATER DAMAGE $4,000
WIND $3,500

Your Wayne, NE insurance agent (see examples below) can help with your claims.

  • Travelers: New Frontier Jussel Agcy, 103 w 2nd st, Laurel, NE, 68745 402-256-9320
  • State Farm: Annette Pritchard Lutcf, 112 e 2nd street, Laurel, NE, 68745 402-635-2121
  • Liberty Mutual Independent: Steffensmeier Insurance Agency, 201 main st. beemer, Wisner, NE, 68716
  • State Farm: Rusty Parker, 202 n pearl st, Wayne, NE, 68787-1902 402-375-3470
  • State Farm: Annette Pritchard, 117 2nd st, Allen, NE, 68710 402-635-2121

Your Background Impacts Your Home Insurance Quotes

Here is a list of Wayne, NE homeowners with differing backgrounds & their changing home insurance.

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Part Time Job 700-749 Credit Score $25 to 50,000 3 Pets, Non-Smoker $200
Retired 800-850 Credit Score $25 to 50,000 1 Pet, Smoker $140
Freelancer 500-549 Credit Score <$25,000 No Pets, Non-Smoker $160