Fremont Homeowners Insurance

The small city of Fremont serves as the county seat of Nebraska’s Dodge County and is home to Midland University. With its 400 acres of city-owned parks, affordable housing, and low unemployment rate, Fremont is a great place to raise a family. If you are among this city’s 26,000 residents and you own your home, you will want to be sure to have a suitable home insurance policy. When you are shopping for affordable insurance coverage for your Fremont home, an independent insurance agent can help. Find an agent near you to start comparing quotes.

Cost of Homeowners Insurance in Nebraska

• National yearly premium average: $1,211
• Nebraska yearly premium average: $1,481
• 10th most expensive premium in the US

The numbers listed above are just averages. Insurance rates can vary significantly from one homeowner to the next, so these numbers can just give you a ballpark idea of what you might be expected to pay. Your actual rates will be based on a number of considerations including: 

• The age, value, and size of your home
• The crime rate in the ZIP code where your house is located
• The amount of your deductible
• Whether you are bundling your coverage with other policies like car insurance

Each insurance company has its own method for calculating rates, so comparing quotes lets you find the policy that provides the best value for your money. Independent insurance agents in Fremont make comparison shopping easy.

Second Home and Vacation Home Insurance

Not all homes are primary residences. Some residents of Fremont own vacation homes in other states and some have rental properties nearby. These properties also need to be insured. If the house you are insuring is not your primary residence, there are additional factors that need to be taken into consideration. Properties that are frequently vacant have increased risks of property crimes and structural damage. 

Houses that serve as rental properties have additional liability risks and need to be covered by landlord insurance policies. A local independent insurance agent can be very helpful when you are insuring a second home or vacation home. These agents can match you up with the right policies so that all of your properties are properly covered.

Burglary Rate in Nebraska

Each year, about 100 burglaries are reported in the city of Fremont. This equates to a burglary rate that is slightly higher than the state’s overall rate, but significantly lower than the national rate.

• Number of burglaries per 1,000 homes in the US: 3,76
• Number of burglaries per 1,000 homes in NE: 2.72
• Number of burglaries per 1,000 homes in Fremont: 3.42

Discovering that you have become the victim of a property crime like burglary can be stressful. Knowing that you have a reliable insurance company backing you up can make the ordeal easier to handle. An independent agent can help you find coverage from an insurance provider with a proven track record so that you can have peace of mind.

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Catastrophic Events in Nebraska

• Number of declared disasters in Nebraska: 72
• Average number of tornadoes per year in Nebraska: 57
• Average amount of property damage per year in NE: $698,557,000
• 1 in 15 insured homes has a claim each year.

Your home insurance policy is designed to provide coverage against many of the hazards you are likely to face as a homeowner in Fremont.  These include severe weather events as well as accidental damage, such as may be caused by an uncontrolled kitchen fire. Residents of Fremont are most at risk for property damage caused by severe storms, tornadoes, and floods. While storm and tornado damage is covered by most home insurance policies, flood damage is not. The good news is that the National Flood Insurance Program (NFIP), which is overseen by FEMA, offers affordable flood insurance policies to homeowners. A local independent agent can help you secure this valuable coverage.

Liability Coverage for Fremont Homeowners

In addition to providing coverage for your home and the belongings kept inside it, your homeowners insurance also includes liability protection. This liability insurance provides coverage against a wide range of liability lawsuits you may find yourself subjected to. Examples of potential liability lawsuits include if a tree on your property topples into a neighbor’s yard and causes significant damage or injuries, or if your dog bites a child who is passing by your yard on his bicycle. You can learn more about how the liability coverage included in your home insurance can help you by asking one of Fremont’s many independent insurance agents.

Why Work with an Independent Insurance Agent?

Independent agents can save you time and money by acquiring a selection of home insurance quotes for you to compare. That way, you can be certain that you are not overpaying for your coverage. These independent agents can also help you find ways to earn discounts on your coverage and can answer your insurance-related questions.

Find an independent insurance agent in or near Fremont to learn more.