Lincoln Insurance Rates:

Lincoln, NE homeowners insurance is about $821 to $1,111, about $68-$92/month. Our comprehensive guide shows customers can save upto $386 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's
Farmer's insurance has a positive and professional reputation which is important to us. it's key to having a trustworthy insurance company when it comes to your home insurance.
State Farm
Rates can be too high. lower rates with a little more coverage. some packages deals have more rates than others.
Farmers Insurance
My insurance company covers what i need and allows me to choose what exactly i want covered. there are some coverage policies offered by competitors that won't let you choose a le carte options which means you are paying for coverages you don't need.

Lincoln, NE Homeowners Insurance By Home Value

Lincoln, NE Home Value Total Homes % of Total Average Lincoln, NE 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

Top Home Insurance Agents Near Lincoln, NE

Home Insurance Company Near Lincoln, NE Homeowners Insurance Agency Near Lincoln, NE Address
NA Easter & Associates, Inc. 810 Central Ave Nebraska City, Nebraska City, NE, 68410
Travelers All American -Bellevue 2221 MADISON STREET, BELLEVUE, NE, 68005
Allstate Jones Ins Agency 601 N 6th St, Beatrice, NE, 68310
Travelers Penner Insurance Agency 2205 N. 6Th Street, Beatrice, NE, 68310
Travelers Rensing Insurance 11904 Arbor St Ste 203, Omaha, NE, 68144

Cost Of Homeowners Insurance By Street Near Lincoln, NE

Streets in Lincoln Area Homeowners Insurance Cost
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

Lincoln, NE Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lincoln$144 to $147
Lancaster County$145
Lancaster$163
Yankee Hill$159

Lincoln, NE Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Lancaster County, Nebraska $121 $161 $242
Lancaster precinct, Lancaster County, Nebraska $137 $182 $273
Yankee Hill precinct, Lancaster County, Nebraska $133 $177 $265

Lincoln, NE Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Lincoln, NE6.1%17.4%
Lancaster County5.95%17.02%
Lancaster3.87%13.89%
Yankee Hill4.9%14.72%

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

Lincoln, NE Homeowners 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

Lincoln, NE Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$2,200
Yearly Lincoln Homeowner Insurance Premium Example $600$400
Out of Pocket Expense During Claim$1,200$2,200
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $6,000$5,400
Net Savings to Lincoln Home Owner from High Deductible Plan $600

Lincoln, NE Home Insurance Costs With Home Replacement Value Scenarios

Scenario Lincoln, NE Home Replacement Value MORE than Home Value Lincoln, NE Home Replacement Value LESS than Home Value
Replacement Value $152,000 $93,000
Insurance Premium based on Replacement Value $675 $425
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,000 Risk Exposure from Under Insuring Coverage is $21,000
Premium Impact Insurance cheaper by $75/year Insurance costlier by $175/year

Example Lincoln Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualAllstateAmica Mutual Insurance Company
Monthly Premium 1763058
Year Built 197919931964
Home Details 5 Beds, 4 Baths3 Beds, 2 Baths4 Beds, 3 Baths
Coverage Amount $350000-$400000$100000-$125000$250000-$300000
Deductible $500- $1000 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Lincoln, NE from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1991 465,000 Wood Shake Roof 4,670 5 $2500-$5000 Deductible 680 5 Wood siding yes
1973 90,000 Slate Shingles Roof 1,080 2 $500 Deductible 220 10 Fiber-Cement Siding No
1993 160,000 Tile Roof 1,710 3 $5000 to $10,000 Deductible 140 3 Fiber-Cement Siding No
1987 175,000 Shingles Roof 1,700 2 $500- $1000 Deductible 230 3 Stone Siding No
1992 170,000 Shingles Roof 1,740 2 $1000-$2500 Deductible 390 10 Stone Siding No
1946 145,000 Metal Roof 1,890 3 $1000-$2500 Deductible 90 2 Stucco siding yes
1970 155,000 Metal Roof 1,880 3 $1000-$2500 Deductible 530 10 Wood siding yes
2008 315,000 Tile Roof 4,040 5 $2500-$5000 Deductible 770 10 Brick siding yes
1962 115,000 Metal Roof 1,490 2 $500- $1000 Deductible 370 7 Stone Siding No
1956 110,000 Wood Shake Roof 983 2 $500- $1000 Deductible 260 5 Stone Siding No