Published June 16, 2026 · 40 years in trucking & the trades
What we cover in Coleridge
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Coleridge choose a local agent
When you're in Coleridge, Cedar County, you get a real person who knows NE — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Coleridge: the local picture
Living here in Coleridge, you know our homes are built to last, with many structures dating back before 1970. That means when you're thinking about homeowner's insurance, it's not just about the current market value, but ensuring your policy covers the true replacement cost, which can be higher for older, character-filled homes. And let's be honest, the weather keeps us on our toes. With the history of tornadoes, like the one in 2003, and the frequent hail we've seen – 70 radar detections and 22 severe warnings just last year – robust coverage for wind and hail damage isn't a luxury, it's a necessity for every homeowner in our village. Don't skimp on those deductibles when it comes to Mother Nature.
For our local businesses, from Coleridge Grain & Feed to the folks at D & K Trailer Inc., and even RJH Excavating & Septic or Buresh Meats, proper commercial insurance is vital. Whether it's property insurance to protect buildings and equipment from those same severe weather events, general liability for daily operations, or commercial auto for vehicles used by the Laurel-Concord-Coleridge School District or our other employers, having the right coverage keeps our community running. Workers' compensation is also a must, especially in the agriculture and manufacturing sectors that form the backbone of Cedar County's economy.
While we enjoy the beauty of the Red Cedar and Missouri Rivers, along with Lewis and Clark Lake and Ponca State Park, it’s a good reminder that water can be unpredictable. Specific flood risk data isn't always easy to pinpoint for every property, but being near these waterways means flood insurance is always a conversation worth having, especially since standard homeowner’s policies don't cover it. Beyond property, protecting our families with life insurance and considering an umbrella policy for extra liability protection just makes good sense in our close-knit community.
Population: 537 (2020)
Housing in Coleridge
The median property value in Coleridge, Nebraska, was $185,000 in 2024. The housing stock in Cedar County, which includes Coleridge, generally consists of older homes, with a significant portion built before 1970. (Source: https://datausa.io/profile/geo/cedar-county-ne)
Major local employers & who's hiring
- Coleridge Grain & Feed — Agriculture hiring
- Laurel-Concord-Coleridge School District — Education
- Park View Haven Nursing Home — Healthcare hiring
- D & K Trailer Inc. — Manufacturing
- Hefner Oil & Feed Co — gas station
Local Coleridge businesses
A few businesses that call Coleridge home — independent of our agency.
- RJH Excavating & Septic — Septic, Excavation
- 106 Vintage Co. — Local Shop
- Buresh Meats — Local Shop, Farm
- Security Bank — financial
Local landmarks & geography
- Red Cedar River — Runs through Cedar County, where Coleridge is located. Potential for localized flood risk for properties near its course and influence on the local water table.
- Missouri River — Forms part of the border of Cedar County. Significant regional flood risk for properties in floodplains within Cedar County, and influences recreational property values.
- Lewis and Clark Lake — A large reservoir on the Missouri River near Cedar County. Affects property values due to recreational access and is part of the broader Missouri River system, influencing regional water levels and potential flooding.
- Ponca State Park — One of Nebraska's most-visited state parks, located in the vicinity of Coleridge/Cedar County. Proximity to such a recreational area can influence property values.
- Coleridge Historical Society — Indicates the presence of historical buildings and community interest in preservation, which can affect the valuation and specific coverage needs for older properties.
Local facts that shape your coverage
- The Coleridge, NE area has been under severe weather warnings 22 times during the past 12 months. — High
- Doppler radar has detected hail at or near Coleridge, NE on 70 occasions, including 7 occasions during the past year. — High
- Coleridge, Nebraska experienced a tornado in June 2003. — High
- Nebraska legally requires flood risk disclosures to buyers in real estate transactions, indicating a general awareness of flood risks within the state. — Medium
- Coleridge, Nebraska, had a population of 537 at the 2020 census. — Provides demographic context for the community and its insurance needs.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · weather.gov · nebraskaplanning.org · facebook.com · lccschool.org. Estimates — verify current details with the original source.
Insurance requirements in Nebraska
Nebraska is an at-fault state and requires liability plus uninsured/underinsured-motorist coverage. With a strong agricultural base and frequent severe storms, farm, crop, and hail-aware home coverage matter across the state. As an independent agency we shop multiple carriers to fit Nebraska's requirements and exposures. Verify current state minimums with the Nebraska Department of Insurance.
Coleridge, NE insurance — common questions
How much does insurance cost in Coleridge, NE?
Rates in Coleridge and Cedar County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Coleridge?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Coleridge and all of NE — home, auto, farm, business, life, and more.
Can I get a quote in Coleridge today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.