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69341 Home Insurance Quotes & Rates

Currently, the 4,378 homes within the 69341 zip code are being challenged with rate increases and the demand for more affordable homeowners insurance premiums. The average home insurance rate for Nebraska is around $1,180 per year for a standard HO-3 homeowners policy. A standard homeowners policy in Gering, NE, insures your home from theft, fire, windstorm damage and liability accidents on your property. Flood or earthquake damage is not covered under a basic homeowners policy, we can help you review the best coverage option for your home in 69341.

Nebraska is now ranking #9 in the country for the highest premiums. If you are trying to lower your premium and want to compare up to 12 Gering home insurance quotes all in one place then GetHomeInsuranceQuotes.com of Nebraska has the online shopping service for you. Our hassle free online quoting application allows homeowners in the 69341 area to review and compare the best rates and coverage options. We can provide a free consultation process to help you decide which carrier, coverage and policy is the best fit for you and your family. We realize that protecting your most valuable investment is very important to you, that is why we want to help you increase your coverage while providing the most affordable rates available. Let us help you shop and compare your Gering, Nebraska home insurance rates today!

Please give us a call now at 1-913-276-4017, easily get up to 12 rates over the phone in minutes. For Gering, NE Home Insurance Quotes, start your shopping process to today, it's easy and hassle free!

69341 Home Insurance Average Premiums

Local 69341 homeowners insurance quotes comparison

$930 /yr.

Shows Zip Code: 69341 lowest rates with discounts applied on average.

For the 69341, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$930 /yr.
Average Coverage:$1180 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1480 /yr.

What is the average home insurance cost for a home in 69341?

  • • The average homeowners insurance premium paid annually for a home in 69341 is around $1180 per year.

What does it cost on average per month for home insurance in 69341?

  • • Homeowners in 69341 pay a monthly average cost per month around $98.00.

What kind of discount could I get if I combine my home and auto insurance together in 69341?

  • • Autoowners in 69341 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Gering area, check out other zip codes nearby 69341.
Review average rates in another zip code:
69341 homeowners insurance rates

Home Replacement Cost Coverage in 69341

Average Building Cost Per Square Foot in 69341: $140

Location: Gering, Nebraska (Scotts Bluff County)

Average Square Footage in 69341: 1,049 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 69341 before you start any project. Gering homeowners pay on average around $140 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 69341 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 69341 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,049 sq. ft. and the average cost to rebuild the home in this area is around $140 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Gering area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1401,049$146,800
Additional Upgrades & Added Features$1751,049$183,500
Major Home Updates or Advancements$2101,049$220,200

It's important to understand that when you estimate your replacement cost of your home in the 69341 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 69341

Best Home & Auto Insurance Agencies in 69341

Engelhaupt Ins Agency Inc - State Farm Insurance Agent

Address: 1845 10th St Gering, NE 69341
Phone:
Website:
Info:

Neal Smith Insurance Agency Inc

Address: 2035 10th St Gering, NE 69341
Phone:
Website:
Info:

Housing Demographics for 69341

Population Review for 69341 Zip Code

For the city of Gering, the population within 69341 has increased to over 11,404 residents in population size. The current population total is 11,091. We have broken down the population based on race below. In 69341, there are over 5431 in male population and 5660 females.

PopulationValues
Total Population11,091
White Population8961
Black Population93
Hispanic Population2099
Asian Population64
Hawaiian Population7
Indian Population233
Other Population691
Male Population5431
Female Population5660
Population Estimate11404

Household Data for 69341

The average number of homes in 69341 is around 4,378, there are an average of 2.44 per household. The average house value according to local real estate values is around $146,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,378
Persons Per Household2.44
Average House Value$146,800
Income Per Household$64583
Median Age39.8
Median Age Male38.5
Median Age Female41.0
69341 DetailsValues
StateNE
State Full NameNebraska
City TypeP
City Alias Abbreviation
Area Code308
CityGering
City Alias NameGERING
CountyScotts Bluff
County FIPS157
State FIPS31
Time Zone7
Day Light SavingY
MSA
PMSA
CSA
CBSA42420
CBSA_DIV
CBSA_TypeMicro
CBSA_NameScottsbluff, NE
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses231
Number Of Employees2379
Business First Quarter Payroll20613
Business Annual Payroll95236
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population37660
CBSA Division Population0
Congressional District03
Congressional LandArea67435.41
Delivery Residential4674
Delivery Business313
Delivery Total5154
Preferred Last Line KeyW19771
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW19771
Land Area206.894000
Water Area0.319000
City Alias Code
City Mixed CaseGering
City Alias Mixed CaseGering
Box Count121
SFDU2553
MFDU151
State ANSI31
County ANSI157
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number303540
Unique ZIP Name
SSA State County Code28780
Medicare CBSA Code99928
Medicare CBSA NameRural Areas in NE
Medicare CBSA TypeMicro
Market Rating Area ID4
County Mixed CaseScotts Bluff

Nebraska Homeowners Insurance News & Information

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    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]

  • I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024

    According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]

  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]