Omaha Insurance Rates:

Omaha, NE home insurance is nearly $815 to $1,103, about $67-$91/month. Our thorough research shows customers can save as much as $383 by getting many quotes

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Omaha Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
GEICO Insurance
Home Insurance Rate of $200/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

4 Beds, 4 Baths 1790 sqft Vacation Property Constructed In 1974 with Hardwood Flooring, Wood Shake Roof, Piers Foundation, Stone Siding, Brick Frame. Home Features Include Fireplace, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $700/5 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $370,000

5 Beds, 5 Bath 4710 sqft Vacation Property Constructed In 1971 with Wood Flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Married Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $310/7 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $135,000

3 Beds, 3 Bath 1470 sqft Primary Residence Constructed In 1992 with Linoleum, Wood Shake Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Swimming Pool, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

73 Years old Divorced Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $460/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $135,000

2 Beds, 2 Bath 1450 sqft Primary Residence Constructed In 1944 with Stone Flooring, Composition Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Central Air Conditioning, Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

63 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $340/10 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $160,000

5 Beds, 5 Bath 1960 sqft Seasonal Residence Constructed In 1983 with Stone Flooring, Membrane Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Copper Water Pipes, Fireplace, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

61 Years old Married Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $30/1 month for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 1420 sqft Seasonal Residence Constructed In 1981 with Carpet over wood flooring, Membrane Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Fireplace, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Married Male who is Unemployed with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

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

  • 700-749 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $170/6 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Baths 1740 sqft Vacation Property Constructed In 1978 with Carpet over wood flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

72 Years old Married Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

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

  • 550-599 Credit Score

Home Insurance Rate of $30/1 month for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $50,000

4 Beds, 4 Baths 2316 sqft Primary Residence Constructed In 1955 with Carpet Flooring, Slate Shingles Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

33 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

State Farm

$1550 for 12 Months

State Farm insurance company is a nationally recognized company and with that comes pros and cons. Their rates seem to be a little higher than most other companies that I have looked at and I have co ... read morensidered switching to another company for several years. Their are two reasons I have not switched, first whenever I do have a claim they are very quick to respond and process that claim. Second, its just a headache switching companies and until the price difference gets really big I probably wont bother switching for the sake of money alone. I have been a customer of theirs for over 15 years.

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Omaha Rates & Quotes Analysis:

Omaha Area Estimated House Insurance
N 176 Ct, Welsh Rd, Co Rd 5, N 131st St Cir, Mason Cir, Howard Rd, S 130th Ave, N 148th Plz, Walnut Plz, S 26th Ave$1,036
Brown St, 196th St, Briggs Cir, Ohio Cir, S 149th Cir, S 216th St, Burlington St, S 161st Cir, Pratt Ct, 188th St$999
Anne St, N 115th Ct, Co Hwy 86, S 193rd Cir, N 58th Plz, Atkins Plz, S 201st Cir, N 173rd Ave, S 99th St, Whitmore Cir$1,042
Ville de Sante Dr, S 138th Avenue Cir, Elmwood Dr, S H Cir, Iowa Cir, S 52nd Ave, S 117th Ct, S 191st Ave, Mercer Blvd, S 190th Ave$1,096
Shadow Ridge, N 134th Cir, Chapparel Dr, Ruggles Cir, S 40th Ave, S 94th Ave, S 141st St, Morrison Dr, N 169th Ave, Mormon Cir$1,047
Iowa Cir, N 125th Cir, Fairchild Ct, 190th St, N 82nd St, N 208th Ter, Mary Cir, Elm Plz, N 201st St, Sherman Dr$960
Flavin St, N 125th St, S 105th Cir, Ponca Rd, George Miller Prkwy, Shiloh St, N 140th St, Atwood Ave, 192nd Ave, Ohern Plz$1,011
Dorcas Plz, N 97th Ct, Papio Lake 16 Rd N, S 68th Ave, Co Rd 80, J Cir, S 63rd St, Paul St, 113th Plz, S 163rd Ave$950
S 141st St, S 175th Ave, N 78th Ct, Woolworth Plz, N Main Cir, Ruggles Plz, N 127th Plz, Ellison Cir, Maplewood Blvd, S 146th St$1,029
Valley Cir, Brittany Cir, Corral Rd, Joshua Rd, Suffolk Cir, S 79th Ave, Oak Air Cir, King Cr, Thomas Rd, S 192nd Ave$1,015

Insurance rates are influenced by a number of factors including:

  • Year Built: 32,958 Homes (18% of total homes ) built between 1970 to 1979 in Omaha are paying home insurance between $1,554-$1,569. Places close to Omaha, NE such as McArdle, La Vista, Douglas County are more expensive by $54, $15, $12 respectively while Boys Town and Carter Lake(IA) are cheaper by $153 and $496 respectively for similar homes.
  • Bedrooms: 30,219 1 bedroom homes (17% of total homes ) in Omaha are paying about $787. Areas near to Omaha such as McArdle, La Vista, Douglas County are costlier by $27, $7, $6 respectively whereas Ralston and Carter Lake(IA) are more economical by $3, $231 respectively for similar homes.
  • Auto Insurance Bundling: 22,066 Households (22% of all households) in Omaha have 3 or more vehicles available and when it is bundled with home insurance you can save $239 compared to Ralston ($239), Douglas ($240), Boys Town ($216).
  • Senior Discounts: 44,514 seniors (more than 55 years) occupied housing units (46% of total) in Omaha get discounts between $143 to $146. The comparative concessions in proximate regions such as Ralston, Douglas and Boys Town are $143, $144 and $129 respectively.
  • New Homes discounts: New homes such as the 50,127 homes built between 2000 to 2009 in Omaha can save $191 compared to Ralston ($191), Douglas ($192), Boys Town ($172).

Omaha Homeowners insurance Facts

  • Omaha, NE has 96,532 owner occupied houses which is 58.8% of all units whereas Ralston, Douglas and Boys Town have 73.39%, 76.8% and 11.11% respectively.
  • Omaha, NE homeowners yearly insurance price at $959 is 0.72% of the typical house value of $132,900 which is in contrast with 0.74% in Ralston, 0.7% at Douglas & 0.56% in McArdle.
  • Homeowners in Omaha, NE pay 4.26% of their income ($20,000 to $24,999) in insurance whereas homeowners in Ralston, Douglas and Boys Town pay 4.25%, 4.28% and 3.84% respectively.
  • Omaha, NE’s insurance is 6.0% of monthly housing costs of $1,325/month, for owners with a mortgage compared to 6.42% in Ralston, 6.09% at Douglas & 5.09% in McArdle. But, for households without a mortgage, insurance is 16.3% of costs ($491 in Omaha, NE) in contrast with 15.78% in Ralston, 14.87% at Douglas & 13.29% in McArdle.

Omaha, NE Home Values & Insurance rates

For example, insurance for 3,774 Homes (4.0% of total homes ) valued between $70,000 to $79,999 in Omaha, NE is about $537. Rates in nearby areas in such as Douglas, La Vista, Douglas County are cheaper by $18, $44, $35 respectively while Ralston and Richland II are costlier by $17 and $69 respectively for similar homes.

Omaha, NE Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 6,302 6.0% $172
$50,000 to $59,999 2,328 2.0% $374
$60,000 to $69,999 2,797 3.0% $460
$70,000 to $79,999 3,774 4.0% $537
$80,000 to $89,999 5,107 5.0% $604
$90,000 to $99,999 5,910 6.0% $680
$100,000 to $124,999 16,664 18.0% $786
$125,000 to $149,999 16,951 18.0% $987
$150,000 to $174,999 10,940 11.0% $1169
$175,000 to $199,999 5,666 6.0% $1352
$200,000 to $249,999 7,863 8.0% $1620
$250,000 to $299,999 4,493 4.0% $1985
$300,000 to $399,999 3,662 3.0% $2522

Renters Insurance in Omaha

  • Average Renters Insurance in Omaha :  $153($12/month)

  • Median Gross Rent in Omaha :  $757

  • Omaha Renters Insurance to Median Rent Ratio:  1.59%

  • Average household size of renter-occupied unit :  2.22

Omaha Renters Insurance as a Percentage of Rent

Omaha Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,621 2.0% $338
$200 to $299 1,530 2.0% $788
$300 to $499 6,569 9.0% $1238
$500 to $749 22,609 34.0% $1913
$750 to $999 19,556 29.0% $2663
$1,000 to $1,499 12,140 18.0% $3788
$1,500 or more 2,085 3.0% $5438

Rent Affordability in Omaha:

Approximately 43.0% (29,386) of households are spending more than 35% of their income on gross rent in Omaha

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 7,497 11.0%
15.0 to 19.9 percent 9,123 13.0%
20.0 to 24.9 percent 8,543 12.0%
25.0 to 29.9 percent 7,719 11.0%
30.0 to 34.9 percent 5,448 8.0%
35.0 percent or more 29,386 43.0%

Omaha Renters Insurance Discounts:

Omaha Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Omaha, NE Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 34,180 50.0% $15.3
2 vehicles available 16,426 24.0% $22.95
3 or more vehicles available 4,492 6.0% $30.6

Omaha Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 4,085 6.0% $75
60 to 64 years 3,081 4.0% $60
65 to 74 years 2,873 4.0% $49
75 years and over 4,509 6.0% $37

Protective device discount in Omaha Up to :  $22

Claims-free discount in Omaha Up to :  $30

Omaha, NE Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
68104 $98,000 $950
68107 $90,900 $930
68112 $90,300 $940
68108 $77,900 $930
68110 $65,000 $920
68111 $61,400 $910
68102 $257,200 $1,050
68118 $230,800 $1,050
68130 $226,400 $1,050
68135 $208,900 $1,020
68136 $201,000 $1,020
68132 $200,700 $1,030
68116 $200,100 $1,010
68154 $184,600 $1,020
68124 $164,600 $990
68123 $163,800 $990
68152 $161,800 $1,000
68142 $160,500 $980
68114 $159,500 $980
68164 $144,300 $980
68122 $140,300 $970
68134 $129,500 $970
68147 $129,300 $970
68106 $122,300 $960
68117 $111,800 $960
68105 $109,500 $950
68131 $100,800 $950