Home Insurance in Norfolk, NE

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Protect the Place You Call Home with Coverage You Can Count On

Your Home Deserves the Right Protection

Your home is more than just a building—it’s where your life happens. At Insurance 365, we help homeowners in Norfolk, NE find affordable, personalized home insurance that safeguards everything you’ve worked hard for. Whether you own your home outright or have a mortgage, the right coverage gives you peace of mind when it matters most.

We’ll take the time to walk you through your options, explain what each policy covers, and help you choose protection that’s not only smart—but also tailored to your lifestyle, budget, and future plans.

Coverage That Makes You Feel Secure

We offer flexible policies from top-rated carriers, designed to protect your home and everything in it:

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Dwelling Coverage

Pays to repair or rebuild your home after covered damage like fire, hail, or windstorms.

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Personal Property Coverage

Replaces or repairs your belongings, including furniture, appliances, and electronics.

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Liability Protection

Covers you if someone is injured on your property or you’re found legally responsible for damage.

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Loss of Use

Helps with temporary living expenses if your home becomes uninhabitable after a covered event.

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Optional Add-Ons

Include flood insurance, equipment breakdown coverage, or increased jewelry limits based on your needs.

Why Choose Insurance 365 for Your Home Insurance?

Local Knowledge. Personal Service. Real Protection.

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Independent Advice – We compare quotes from multiple carriers to find the best coverage and price.

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Personalized Plans – Your home is unique, and your insurance should be too.

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Local, Accessible Team – Talk to real people who live right here in Norfolk, NE.

Homeowners Insurance FAQs

  • How much home insurance do I need?

    We recommend enough dwelling coverage to fully rebuild your home at current construction costs. We’ll help estimate the right amount and ensure your personal property and liability limits match your needs.

  • We recommend enough dwelling coverage to fully rebuild your home at current construction costs. We’ll help estimate the right amount and ensure your personal property and liability limits match your needs.

    No. Flood damage is not covered by standard homeowners insurance. If you live in a flood-prone area—or just want extra protection—we can help you add a separate flood policy.

  • What does liability coverage in a home policy protect me from?

    Liability protection covers injuries or property damage you’re legally responsible for, like a guest slipping on your sidewalk or damage caused by a family member. It can also help with legal defense costs.

  • Can I bundle my home and auto insurance?

    Yes! Bundling your home and auto insurance often saves money and simplifies your insurance management. We’ll shop for bundle discounts with multiple carriers so you get the best deal.

  • What’s the difference between market value and replacement cost?

    Market value is what your home would sell for, while replacement cost is what it would take to rebuild it. Your home insurance should be based on replacement cost, not market value, to ensure full protection.