Shop multiple homeowners insurance carriers in one place providing service and consultation from a licensed Holt County, NE agent.

Holt County, NE Homeowners Insurance Quotes

Holt County homeowners insurance can protect your home from damages due to fires, lightning, theft, falling objects and even vandalism under a basic Nebraska homeowners policy.

Basic Coverage Protection and Rates

For a basic standard homeowners policy in Holt County also referred to as an HO-3 policy, you are looking at paying around $132.17 per month. Most homeowners pay annually for home insurance which is estimated to be around $1586 per year. Holt County home insurance rates drastically depend on the home insurance company you choose. We can help you compare up to 12 major carriers, which will allow us to get the most competitive rate possible saving you up to 40% or more. Our quoting process also likes to work with you to provide every available discount and credit offered to you, the homeowner. More importantly, cheaper rates sometimes means cheaper coverage and a lack of protection for your home and family. The ideal policy, is one with outstanding coverage so you are insured properly but it also has to be affordable. Most homeowners living in Nebraska enjoy the benefits of lower rates, but every homeowner enjoys the comfort and protection when you need to count on your insurance company the most. Let us help shop the best Holt County homeowners policy for you.

For all Holt County, NE residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Holt County? Simply enter your zip code to get your Nebraska homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Holt County, NE Housing Demographics

With 10,435 residents living within the Holt County area there are over 5,215 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 2,924 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Holt County.

DemographicValues
Total Occupied Households4,447
Family Households (families)2,924
Average Owner Occupied Household Size2
Average Family Size3
Total Housing Units5,215

Holt County, NE Home Insurance Average Premiums

Local Holt, NE homeowners insurance quotes comparison

$1,117 /yr.

Nebraska's Average Home Insurance Rates Overall

For the state of Nebraska, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 9 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$730 /yr.
Current Average Cost:$1,117 /yr.
Maximum Range:$1586 /yr.

Nebraska Homeowners Insurance News & Information

  • What happens to my mortgage if my homeowners policy gets cancelled? Posted on Thursday 18th July, 2024

    As more and more insurance companies stop writing policies in certain markets or cancel existing policyholders they find too big of a risk, homeowners are finding their policies cancelled or non renewed. While a cancelled policy is a shock, it doesn’t mean you need to panic.  Following is a brief overview of what to do […]

  • Why Are Homeowners Insurance Premiums Rising in 2024? Posted on Tuesday 9th July, 2024

    As insurance rates rise at unprecedented rates, homeowners are cutting back on groceries, travel, dining out, and even medication to afford the cost of their insurance premiums. In even more shocking news, 1 in 10 homeowners are even consider moving to an area with lower premiums, according to a recent survey by Claimguide. According to […]

  • Coastal Homeowners Insurance in Florida Posted on Monday 8th July, 2024

    Florida has it all, constant sunshine, beaches,plenty of restaurants and entertainment. It also has some of the highest homeowner insurance premiums in the country. According to Value Penguin, the Sunshine State has the 14th most expensive homeowner insurance rates in the country with the average premium coming in at $1,727. While insurance premiums are high all […]

  • Coastal Texas Home Insurance Rates Posted on Sunday 7th July, 2024

    While windstorm insurance is not required in Texas, it is often a necessity if you live near the coast. In certain areas there is a good chance that your mortgage lender will require that you carry a windstorm policy. A windstorm policy will cover damage that is done by wind or hail. These are the […]

  • North Carolina Joint Underwriters and Wind Pool Map Explained Posted on Wednesday 5th June, 2024

    North Carolina is a lovely state to call home. Our state is packed with beautiful cities, museums, restaurants and of course, some of the loveliest beaches in the country. Unfortunately, if you live in one of our amazing coastal southern cities such as Ocean Isle Beach, Sunset Beach, Oak Island Beach, Calabash, Bald Head Island, […]

Discounts For Homeowners in Holt County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Nebraska homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Holt County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Holt County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Holt County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Holt County Housing & Real Estate Data

Details:Statistics
Total Housing Units5215
Occupied Housing Units4447
Vacant Housing Units768
Vacant Housing Units for Rent107
Vacant Housing Units Rented Not Occupied11
Vacant Housing Units For Sale44
Vacant Housing Units Sold Not Occupied16
Vacant Housing Units For Seasonal Occasional Use113
Vacant Housing Units All Other Vacants477
Housing Units Homeowner Vacancy Rate Percent1
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units4447
Housing Tenure Occupied Units Owner Occupied3246
Housing Tenure Occupied Units Owner Occupied Population7741
Housing Tenure Occupied Units Owner Occupied Averge Household Size2
Housing Tenure Occupied Units Renter Occupied1201
Housing Tenure Occupied Units Renter Occupied Population2534
Housing Tenure Occupied Units Renter Occupied Average Household Size2