Midfin Insurance
1715 Broadway, Scottsbluff, NE 69361
View this agency's profile to learn more about their services.
Loading...
City directory
Scottsbluff households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
1715 Broadway, Scottsbluff, NE 69361
View this agency's profile to learn more about their services.
1208 Avenue I, Ste C, Scottsbluff, NE 69361
View this agency's profile to learn more about their services.
1414 East 20th Street, Ste 9, Scottsbluff, NE 69361
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Scottsbluff residents.
Compare auto and home insurance in Scottsbluff, Nebraska. Get local rates, coverage requirements, and severe weather protection tips for 2026.
Home InsuranceScottsbluff home insurance costs $788-$1,071/year. Learn about tornado and hail risks, coverage needs, and how to save on premiums in western Nebraska.
Nebraska requires 25/50/25 liability coverage, which means $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. You also need uninsured motorist coverage at the same levels unless you decline it in writing. However, these minimums are quite low, and most agents recommend higher limits like 100/300/100 to adequately protect yourself from major accident costs.
Home insurance in Scottsbluff averages between $788 and $1,071 annually, which works out to about $65-89 per month. This is significantly lower than Nebraska's statewide average of nearly $5,000 per year. Your actual rate depends on factors like your home's age, square footage, roof condition, coverage limits, and claims history.
Yes, standard homeowners insurance policies cover wind and hail damage, which are the primary severe weather risks in Scottsbluff. This includes damage from tornadoes, severe thunderstorms, and hailstorms. However, flood damage requires a separate flood insurance policy, as it's excluded from standard home insurance policies.
Working with a local Scottsbluff agent offers significant advantages. They understand regional risks like severe weather patterns, agricultural exposures during harvest season, and which carriers handle claims best in the area. Local agents also help you find discounts and ensure your coverage properly protects you. That said, get quotes from multiple agents to compare rates and find the best value.
Common discounts include bundling home and auto insurance (typically 15-25% savings), maintaining a good driving record, installing home security systems, having a newer roof with hail-resistant shingles, being claims-free for several years, and being a longtime customer. Your specific discounts depend on your carrier and situation, which is why comparing quotes from multiple agents helps maximize savings.
While not legally required, comprehensive coverage is highly recommended in Scottsbluff due to severe weather risks. The area regularly experiences baseball-sized hail, destructive thunderstorms with 80 mph winds, and tornadoes. Comprehensive coverage protects your vehicle from hail damage, storm damage, theft, and vandalism. Without it, you pay out of pocket for repairs that can easily run thousands of dollars after a single hailstorm.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network