Protecting Your Dwelling in Nebraska

Over the years, Nebraska has proven to be a great place to live for well over a million people. However, that doesn't mean home insurance isn't a necessity in the Cornhusker state. With the average premium above $780, Nebraska's insurance costs are slightly more expensive than the national average. This can probably be attributed to the region's perils, many of which can be deadly to dwellings, such as tornadoes and floods. If you're interested in learning more about coverage, read this helpful guide!

Concerns for Residents of Nebraska

Despite the state's fairly tame climate, there are more than a few perils and natural disasters that people living in the area need to be aware of. Here's a look at some of the most serious concerns for residents and whether they're covered under most policies:

• With Nebraska being located in right in the heart of "Tornado Alley," it should come as no surprise that the violent windstorms poses a serious risk to residents. Tornadoes have wind speeds that can potentially reach over 300mph, causing thousands of dollars in damage to anything or anyone unlucky enough to be in their path. You'll want to check with an agent to find out if you're covered for tornado damage. Most insurers consider it wind damage and do include coverage, but it's always better to be safe than sorry.
• Although different parts of the state receive varying amounts of rain each year, most areas get their fair share of thunderstorms. In most cases, a little rain and wind is nothing to worry about, however, some parts of the region are prone to flooding. A bad flood can cause all kinds of long-term damage to your home, which is why we'd recommend flood coverage for anyone who may be at risk. Most providers do not include flood coverage in general policies, so you may have to pay extra for it.
• Another major concern for residents comes in the form of ice and snow. The state typically receives more than 25 inches of snow each year, but a large snow storm could bring even more. When it comes to your dwelling, snow can be a problem if it is allowed to accumulate on your roof. Every year, hundreds of people have their roofs caved in or experience damaging leaks from snow. Once again, you should contact your provider to find out if you're covered for snow damage. In most general policies, snow is one of the covered perils.

How to Qualify for Discounts

Although most carriers don't like to advertise it, there are numerous discounts available to residents. For instance, if you're home's building materials are stronger than average, such as brick homes, you may be able to get a lower premium. Some consumers may also be eligible for discounts if they've moved into a new house in the last couple years. Other general discounts include those for customer longevity, installing security devices, and bundling multiple types of policies with the same company.