Published July 27, 2026 · 40 years in trucking & the trades
What we cover in Lamar
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Lamar choose a local agent
When you're in Lamar, Chase 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 Lamar: the local picture
Living out here in Lamar, or what used to be the Village of Lamar before it voted to unincorporate, means understanding a few unique things about your insurance needs. With most homes in Chase County, and certainly here, being older—many built between 1920 and 1981—you're looking at higher replacement costs than you might expect. Those older building materials and potentially outdated systems mean your dwelling coverage needs to reflect the true cost of bringing things up to modern code after a loss, not just the market value of the property. We see a lot of frame construction, and that's something to consider for fire and other perils. (Source: https://www.countyoffice.org/ne-chase-county-property-records/) The biggest thing we deal with locally is hail. Doppler radar has picked up hail events 88 times around Lamar, with 6 just in the past year. That's a consistent risk. Your roof coverage and deductible for hail and wind are absolutely critical here. It’s not a matter of if, but when, you’ll likely need to file a claim for damage from a storm. Flood insurance, separate from your standard homeowner's policy, is always worth considering if you're near any low-lying areas. While specific large employers within the tiny former village of Lamar are non-existent, most folks in this part of Chase County make their living in agriculture—cattle, corn, hogs, and soybeans drive our local economy. This means stable income for many, but also highlights the need for robust personal insurance coverage that protects their assets, knowing their livelihoods are tied to the land. For those commuting to larger regional employers like Perkins County Schools or Health Services, life and disability insurance are important considerations to protect their families should the unexpected happen. (Sources: https://www.city-data.com/states/Nebraska-Economy.html, https://www.kansascityfed.org/omaha/nebraska-economist/nebraskas-economy-strengthens-despite-rural-headwinds-2017q4/)
Population: 23 (2010)
Housing in Lamar
The housing stock in Chase County largely consists of older homes, with most buildings constructed between 1920 and 1981, and some properties dating back to 1860. Due to the age of the housing stock, replacement costs and roof considerations would generally align with properties built in the early to mid-20th century, potentially requiring updates to meet modern standards. (Source: https://www.countyoffice.org/ne-chase-county-property-records/)
Major local employers & who's hiring
- Perkins County Schools — Education Actively hiring
- Perkins County Health Services — Healthcare Actively hiring
Local facts that shape your coverage
- Doppler radar has detected hail at or near Lamar, NE on 88 occasions, including 6 occasions during the past year. — High - direct severe weather hazard for the town.
- Hail and wind damage have been spotted near Lamar, NE. — High - direct severe weather consequence for the town.
- Imperial, NE, also located in Chase County, is subject to a state-wide Nebraska severe weather outlook, indicating a regional susceptibility to various severe weather phenomena. — Medium - provides regional context for severe weather in the county where Lamar is located.
- Lamar, Nebraska, had a population of 23 at the 2010 census and officially voted to unincorporate on November 5, 2024. — This indicates a very small, rural community, impacting local services and the direct presence of large employers within the town itself.
Local figures compiled from public sources: en.wikipedia.org · interactivehailmaps.com · mysevereweatheroutlook.com · perkinscountyschools.org · pchsgrant.com. 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.
Lamar, NE insurance — common questions
How much does insurance cost in Lamar, NE?
Rates in Lamar and Chase 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 Lamar?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Lamar and all of NE — home, auto, farm, business, life, and more.
Can I get a quote in Lamar 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.