Lincoln Insurance Rates:

Lincoln, NE home insurance is about $821 to $1,111, about $68-$92/month. Our comprehensive guide shows customers can save upto $386 by comparing different quotes

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Lincoln Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $530/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Bath 1880 sqft Seasonal Residence Constructed In 1970 with Stone Flooring, Metal Roof, Chainwall Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Deadbolt Locks, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

42 Years old Married Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $770/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $315,000

5 Beds, 5 Baths 4040 sqft Rental Property Constructed In 2008 with Carpet over wood flooring, Tile Roof, Slab Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Copper Water Pipes, Smoke Alarm, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $370/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

2 Beds, 2 Bath 1490 sqft Seasonal Residence Constructed In 1962 with Ceramic Tile Flooring, Metal Roof, Slab Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Divorced Female who is a Freelancer with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

Home Insurance Rate of $260/5 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 983 sqft Rental Property Constructed In 1956 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Single Male who has a Full Time Job with household income of more than $150,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

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Lincoln Rates & Quotes Analysis:

Lincoln Area Estimated House Insurance
W Park Ave, Shady Creek Ct, Leisure Pl, Dale Dr, Turnberry Cir, NW Palm Ct, Colonial Dr, N 100th Cir, S 91st St, Topaz Ct$1,139
Woodlawn Rd, W Greenfield St, W Furrer Ave, Helen Witt Dr, Saint Paul Ave, N Mockingbird Ln, Meadow Lark Cir, W Elba St, Windmill Dr, N Harrison St$1,025
N 139th St, Spring Meadow Ct, Fiene Blvd, Casey Ln, Mahoney Dr, N 24th St, Wittstruck Rd, Allen St, Little Creek Pl, N 90th St$991
N 100th St, Normal Blvd, Ryley Ln, Fall Creek Rd, Turner St, NW 126th St, W Claire Ave, Heide Ln, S 85th Pl, Cross Creek Rd$1,014
Regina Ct, NW Dahlia Dr, SW 56th St, Whittier St, S 63rd St, S 61st St, Fran Ave, W Cleveland Ave, S Cotner Blvd, Pear St$1,030
Lowell Ave, W Benton St, Trenridge Rd, Blackberry Cir, Prairie Rim Rd, SW 40th St, Colfax St, 140th, Woodleigh Ln, State Spur 55E$992
E 7th St, Blue Heron Dr, Burton St, NW 2nd St, Goldenrod Ln, W Switchgrass Rd, S Knights Ln, Browning Ct, Brittany Pl, Stephanie Ln$989
Fairfield St, Bolton Rd, Co Rd 140, Blackbird Ln, Neerpark Dr, Wendover Ave, N 58th Ct, Shenandoah Ct, Elm St, W South St$934
Fawn Ct, Waterfront Pl, Manatt St, Oakwood Rd, Forbes Ct, Culwells Rd, N 131st St, Firth Rd, Sandalwood Dr, S 7th St$1,041
N 37th St, Willow St, Jacquelyn Cir, Pella Rd, SW 37th St, SW 10th Cir, Cherry Hill Blvd, Union Hill Cir, W Condor Ln, Co Rd 2500$1,022

Insurance rates are influenced by a number of factors including:

  • Year Built: 18,049 Homes (16% of total) built between 1970 to 1979 in Lincoln are paying home insurance between $1,566-$1,581 and varies from Lancaster (+$204), Yankee Hill (+$153), Walton (+$187), Malcolm (-$12) and Davey (-$52).
  • Bedrooms: 32,573 2 bedrooms homes (29% of total homes ) in Lincoln are paying about $831. Areas near to Lincoln such as Lancaster County, Lancaster, Yankee Hill are costlier by $4, $98, $70 respectively whereas Roca and Malcolm are more economical by $10, $6 respectively for similar homes.
  • Auto Insurance Bundling: 15,099 Households (24% of all households) in Lincoln have 3 or more vehicles available and when it is bundled with home insurance you can save $241 in contrast with Lancaster County ($242), Lancaster ($273), Yankee Hill ($265).
  • Senior Discounts: 25,817 seniors (more than 55 years) occupied housing units (42% of total) in Lincoln get discounts between $144 to $147 and differs from Lancaster County ($145), Lancaster ($163), Yankee Hill ($159).
  • New Homes discounts: New homes such as the 47,905 homes built between 2000 to 2009 in Lincoln can save $193 compared to Lancaster County ($194), Lancaster ($218), Yankee Hill ($212).

Lincoln Homeowners insurance Facts

  • Lincoln, NE has 60,606 owner occupied houses which is 58.4% of all units whereas Lancaster County, Lancaster and Yankee Hill have 60.96%, 95.72% and 96.56% respectively.
  • Lincoln, NE homeowners yearly insurance price at $966 is 0.68% of the typical house value of $142,200 which is in contrast with 0.66% in Lancaster County, 0.34% at Lancaster & 0.39% in Yankee Hill.
  • Homeowners in Lincoln, NE pay 19.32% of their income (Less than $10,000) in insurance whereas homeowners in Lancaster County, Yankee Hill and Stevens Creek pay 19.4%, 21.2% and 20.48% respectively.
  • Lincoln, NE’s insurance is 6.1% of monthly housing costs of $1,325/month, for owners with a mortgage compared to 5.95% in Lancaster County, 3.87% at Lancaster & 4.9% in Yankee Hill. But, for households without a mortgage, insurance is 17.4% of costs ($464 in Lincoln, NE) in contrast with 17.02% in Lancaster County, 13.89% at Lancaster & 14.72% in Yankee Hill.

Lincoln, NE Home Values & Insurance rates

For example, insurance for 3,539 Homes (6.0% of total homes ) valued between $90,000 to $99,999 in Lincoln, NE is about $637. Rates in nearby areas in such as Lancaster County, Yankee Hill, Grant are cheaper by $17, $277, $302 respectively while Malcolm and Davey are costlier by $43 and $268 respectively for similar homes.

Lincoln, NE Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,611 4.0% $164
$60,000 to $69,999 954 1.0% $434
$70,000 to $79,999 1,449 2.0% $502
$80,000 to $89,999 2,439 4.0% $569
$90,000 to $99,999 3,539 6.0% $637
$100,000 to $124,999 11,795 20.0% $743
$125,000 to $149,999 10,404 17.0% $927
$150,000 to $174,999 8,460 14.0% $1101
$175,000 to $199,999 4,937 8.0% $1265
$200,000 to $249,999 6,415 10.0% $1526
$250,000 to $299,999 2,953 5.0% $1864
$300,000 to $399,999 2,445 4.0% $2376

Renters Insurance in Lincoln

  • Average Renters Insurance in Lincoln :  $142($11/month)

  • Median Gross Rent in Lincoln :  $700

  • Lincoln Renters Insurance to Median Rent Ratio:  1.57%

  • Renter occupied housing units in Lincoln :  43,260

Lincoln Renters Insurance as a Percentage of Rent

Lincoln Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 556 1.0% $335
$200 to $299 1,021 2.0% $785
$300 to $499 7,263 17.0% $1235
$500 to $749 15,624 36.0% $1910
$750 to $999 10,634 25.0% $2660
$1,000 to $1,499 5,905 13.0% $3785
$1,500 or more 1,328 3.0% $5435

Rent Affordability in Lincoln:

Approximately 40.0% (17,639) of households are spending more than 35% of their income on gross rent in Lincoln

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 4,710 10.0%
15.0 to 19.9 percent 6,351 14.0%
20.0 to 24.9 percent 6,381 14.0%
25.0 to 29.9 percent 4,645 10.0%
30.0 to 34.9 percent 3,534 8.0%
35.0 percent or more 17,639 40.0%

Protective device discount in Lincoln Up to :  $21

Claims-free discount in Lincoln Up to :  $28

Lincoln, NE Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
68503 $93,900 $940
68508 $82,500 $930
68517 $300,800 $1,120
68532 $299,000 $1,100
68523 $295,100 $1,090
68526 $292,200 $1,110
68520 $272,600 $1,070
68527 $263,700 $1,090
68512 $193,200 $1,030
68516 $192,700 $1,000
68506 $146,700 $980
68522 $142,200 $980
68510 $135,500 $970
68521 $135,500 $970
68528 $130,900 $960
68505 $128,400 $970
68502 $126,400 $960
68524 $121,600 $960
68507 $118,600 $960
68504 $104,200 $950