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Homeowners in Lincoln, Nebraska, pay an average home insurance rate of $1,288. Lincoln homeowners can make use of discounts offered by home insurance companies to further reduce their home insurance rates. Below is a list of discounts offered to Lincoln homeowners.

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Home insurance companies provide discounts to Lincoln homeowners based on the construction materials used to build the house. Lincoln homes that are built using sturdy materials make them more resistant to damage, earning them considerable discounts from home insurance companies. For example, Lincoln homes constructed using fire-resistive materials and superior materials get discounts of $180 and $116, respectively, on their homeowners insurance. Homes built using masonry and brick earn a discount of $64, while homes that have a hail resistant roof get a $26 discount.

Newly constructed Lincoln homes can avail of discounts of up to $335 on homeowners insurance. New homes have less propensity to damage. As a result, home insurance companies offer substantial discounts to newly built homes. On the other hand, older homes attract higher insurance rates. The average home insurance rates of Lincoln homes older than 40 years and 50 years are $1,321 and $1,350, respectively.

Lincoln has a property crime rate of 29.48 per 1,000 residents. The city has witnessed 1,190 burglaries at a rate of 4.14 per 1,000 residents. In the best interest of protecting their investments, home insurance companies offer discounts to homes installed with safety devices. For instance, Lincoln homes with deadbolts and fire extinguishers can avail of a discount of $129, each on homeowners insurance. Homes installed with burglar alarms and smoke detectors receive a discount of $116 and $155, respectively, on homeowners insurance.

Home insurance companies provide special discounts to Lincoln homeowners based on their profession. Teachers, army personnel, and federal government employees can avail of special discounts on homeowners insurance. Also, senior homeowners in Lincoln can avail of discounts of up to $180 on homeowners insurance. Home insurance companies provide discounts to homeowners, depending on their claims history. Home insurance rates in Lincoln can increase by up to $180 based on the type and number of claims. Lincoln homeowners with a claims-free history can avail of discounts of up to $155 on home insurance.