Ag Service Associates - Crop Insurance
1323 Burlington St, Holdrege, NE 68949
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Holdrege households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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1323 Burlington St, Holdrege, NE 68949
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425 West Ave., Holdrege, NE 68949
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132 W 4th Ave, Holdrege, NE 68949
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Learn about insurance coverage options specific to Holdrege residents.
Holdrege home insurance costs $4,800-$6,587/year. Learn how to protect your home from tornadoes, hail, and severe weather while lowering premiums.
Car InsuranceComplete guide to auto insurance in Holdrege, Nebraska. Learn about 25/50/25 requirements, at-fault coverage, average costs, and how to save on your policy.
General Insurance EducationHoldrege insurance costs, coverage requirements, and money-saving tips. Learn why Nebraska ranks #5 for home insurance and how to protect your property.
While specific Phelps County data isn't available, Nebraska homeowners pay between $4,800 and $6,587 per year on average for home insurance. Your exact rate in Holdrege will depend on your home's value, age, construction type, and the coverage limits you choose. Shopping around between insurers can save you thousands of dollars annually.
Yes, standard homeowners insurance policies cover tornado damage to your home and belongings. However, you'll need to pay attention to your wind and hail deductible, which may be separate from your regular deductible. Given that Holdrege experienced tornado activity in 2024 and Nebraska recorded 101 tornadoes that year, comprehensive wind coverage is essential.
Flood damage is not covered by standard homeowners insurance policies, even though Holdrege can experience flash flooding during severe thunderstorms. If you're in a flood zone or want protection against flooding, you'll need a separate flood insurance policy through the National Flood Insurance Program or a private insurer. Talk to your agent about your specific flood risk.
Shopping around is the most effective strategy—rates vary widely between insurers. Other ways to save include raising your deductible, bundling home and auto insurance, installing a security system, upgrading to impact-resistant roofing, and maintaining good credit. Even small improvements can add up to significant savings over time.
Nebraska home insurance rates increased more than 20% in 2024, making it one of the states with the highest rate increases. The main culprit is severe weather—Nebraska ranks among the worst states for hail damage and saw 101 tornadoes in 2024. When insurance companies pay out more claims due to weather damage, they raise premiums to cover those costs.
Always insure for replacement cost, not market value. The median home in Holdrege was built in 1962, and rebuilding an older home to current building codes costs more than its market value. Replacement cost coverage ensures you can fully rebuild your home after a total loss, while market value coverage would leave you underinsured.
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