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Richland, NE Home Insurance Rates - What Drives It?

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

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

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

Place Typical Home Size Replacement Cost Monthly Home Insurance Cost
Richland 3 Beds, 2 Baths, 1850 sqft $194,000 $36
Stevens Creek 4 Beds, 1 Bath, 2,320 sqft $207,000 $40
Mill 3 Beds, 2 Baths, 1,670 sqft $172,000 $50
Percival, IA 2 Beds, 1 Bath, 1,370 sqft $141,000 $29
Papillion 3 Beds, 1 Bath, 1,270 sqft $96,000 $30
Rock Bluff 4 Beds, 3 Baths, 2,460 sqft $184,000 $94
Staplehurst 2 Beds, 1 Bath, 1,500 sqft $127,000 $55
Elk 3 Beds, 2 Baths, 1,470 sqft $93,000 $43
Firth 2 Beds, 1 Bath, 1,680 sqft $105,000 $64
Florence 4 Beds, 1 Bath, 2,790 sqft $164,000 $51
Wahoo 3 Beds, 2 Baths, 1,950 sqft $206,000 $55
Plattsmouth 4 Beds, 2 Baths, 3,090 sqft $216,000 $75
Brainard 4 Beds, 1 Bath, 2,370 sqft $246,000 $58
Spring Creek 3 Beds, 2 Baths, 1,270 sqft $106,000 $36
Cedar Bluffs 2 Beds, 1 Bath, 1,130 sqft $81,000 $37
Bellevue Second II 4 Beds, 3 Baths, 2,980 sqft $259,000 $104
Blair 2 Beds, 1 Bath, 1,240 sqft $97,000 $31
Utica 4 Beds, 1 Bath, 2,670 sqft $260,000 $83
Fort Calhoun 4 Beds, 2 Baths, 2,410 sqft $217,000 $63
Cuming 3 Beds, 1 Bath, 1,520 sqft $124,000 $56
Bone Creek 3 Beds, 1 Bath, 1,550 sqft $160,000 $50

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

Here are some typical claims filed in Richland:

Claim Typical Claim Amount
HAIL $5,000
WIND $4,500
PHYSICAL DAMAGE $3,500

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

  • Farmers: Steve Wiltshire, 5730 r st ste b, Lincoln, NE, 68505 (402) 840-7646
  • Travelers: Fricke & Associates Inc, 1511 silver st, Ashland, NE, 68003 402-944-3355
  • State Farm: Genny Noerrlinger, 221 s 66th st, Lincoln, NE, 68510-2304 402-488-7855
  • Allstate: Jon Foreman, 7800 o st ste 102, Lincoln, NE, 68510 (402) 466-2122
  • Liberty Mutual Independent: Nebraska Innovative Insurance, 1517 n cotner blvd, Lincoln, NE, 68505 402-466-5735

Your Background Impacts Your Home Insurance Quotes

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

Employment Status Credit Score Income Level Other Details Monthly Home Insurance Rate
Retired 600-649 Credit Score No Income No Pets, Non-Smoker $220
Full Time Job 700-749 Credit Score $75 to $100,000 2 Pets, Non-Smoker $70
Unemployed 550-599 Credit Score <$25,000 More than 3 Pets at home, Smoker $580