Omaha Insurance Rates:

Omaha, NE homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Discounts Available on Homeowners Insurance in Omaha, NE

Home insurance is a critical element of owning a home in Omaha, NE. Residents of Omaha who are paying their mortgage, buying appliances, paying for household expenses, and homeowners insurance can add a huge financial liability for them. But, residents of Omaha must also have a contingency plan for the costs that could come unexpectedly. Therefore, taking homeowners insurance in Omaha, NE, is a wise investment. It offers protection against fire, wind damage, vandalism, theft, and other devastating perils. Given the relatively frequent occurrence of these incidents, home insurance will protect you and your property from a colossal loss.

The average cost of homeowners insurance in Omaha, NE, is $1239. The cost of insurance is dependent on numerous factors. Understanding what your homeowner's insurance policy covers is the first step to purchasing the correct insurance for your needs.

A few such factors are: 

a. property value

b. value of your personal belongings

c. age of the home

d. materials used

e. claims history

f. deductible

g. coverage type

VHome's analysis has explored these factors in detail.

a. Discounts based on the deductibles

When purchasing homeowners insurance Ohama, look for a policy that includes a deductible. Deductible is the amount of money you agree to pay before you can make a claim with your provider. Once the homeowner files a claim and meets their deductible, the insurance company pays the remaining balance up to their policy limit.

For instance, if you had property damage worth $3,000 and chose a $1,500 deductible, you would have to pay $1,500 out of pocket before the insurance company pays for any additional damages.

In Ohama, NE, the deductible may range from $890 to $1225, depending on the deductible the insurer has opted. Homeowners in Ohama typically opt for deductibles of 1500 and 2000, where they pay a premium of $1043 and $947, respectively. Homeowners must opt for a higher deductible to lower their home insurance premiums.

Refer to the cost applicable for different deductibles in Omaha, NE, below.

Discounts_Available_on_Homeowners_Insurance_in_Omaha_NE

b. Discounts based on the age of the home

The age of the home determines the cost of home insurance. Therefore, having adequate knowledge will help you get exclusive discounts on homeowners insurance in Ohama. Your home's structure may not change much over time, but the materials and systems inside it age. For instance, water seeping through walls, cracked roofs, or wall cracks. Hence, insurance providers charge higher premiums to old aged homes.

Homes which are 40 and 50 years old in Ohama pay a premium of $1272 and $1287, respectively. In contrast, as newly built homes are less prone to damage, they pay a premium of $917.

c. Discounts based on the materials used

The construction materials used to build the house play a crucial role in determining the cost of insurance. The house is vulnerable to the damage caused by natural calamities such as floods, precipitation including hail, strong wind, strong waves, etc. These could lead to home insurance claims. However, a house built using damage-resistant materials has fewer chances of destruction because of these factors. Research conducted by VHome reveals that homes built with the help of masonry and brick pay $1176 in Ohama, whereas homes built with fire resistive and superior pay $1066 and $1128, respectively.

Omaha, NE Homeowners Insurance By Home Value

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

Top Home Insurance Agents Near Omaha, NE

Home Insurance Company Near Omaha, NE Homeowners Insurance Agency Near Omaha, NE Address
NA Century Farm Insurance Agency, Inc. 1117 7Th St, Harlan, IA, 51537
NA Ellerbrock-Norris Insurance 8421 Amber Hill Court 8421 Amber Hill Court, Lincoln, NE, 68526
NA Robert Rung Insurance Agency 5620 Nw Fairway Rd, Lincoln, NE, 68521
State Farm Doug Geyer 11923 Pacific Street, Omaha, NE, 68154-3468
State Farm Ej Leinen 513 Court St, Harlan, IA, 51537-1439

Omaha, NE Home Insurance Agents for Top Companies


Cost Of Homeowners Insurance By Street Near Omaha, NE

Streets in Omaha Area Homeowners Insurance Cost
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

Omaha, NE Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Omaha$143 to $146
Ralston$143
Douglas$144
Boys Town$129

Omaha, 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
Ralston city, Nebraska $120 $159 $239
Douglas precinct, Douglas County, Nebraska $120 $160 $240
Boys Town village, Nebraska $108 $144 $216

Omaha, 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
Omaha, NE6.0%16.3%
Ralston6.42%15.78%
Douglas6.09%14.87%
McArdle5.09%13.29%

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

Omaha, NE Homeowners 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

Omaha, NE Home Insurance Costs With Home Replacement Value Scenarios

Scenario Omaha, NE Home Replacement Value MORE than Home Value Omaha, NE Home Replacement Value LESS than Home Value
Replacement Value $ $
Insurance Premium based on Replacement Value $ $
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $ Risk Exposure from Under Insuring Coverage is $
Premium Impact Insurance cheaper by $/year Insurance costlier by $/year

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1999 95,000 Wood Shake Roof 1,360 2 $500- $1000 Deductible 260 6 Stone Siding No
1991 200,000 Composition Roof 2,720 4 $500 Deductible 910 12 Stucco siding No
1991 185,000 Metal Roof 2,590 4 $5000 to $10,000 Deductible 180 4 Wood siding No
1962 130,000 Asphalt Shingles Roof 1,760 2 $500 Deductible 270 6 Wood siding yes
1974 140,000 Composition Roof 2,110 3 $500- $1000 Deductible 220 6 Fiber-Cement Siding No
1992 110,000 Wood Shake Roof 1,240 2 $500 Deductible 430 8 Fiber-Cement Siding yes
1970 290,000 Composition Roof 3,350 4 $2500-$5000 Deductible 780 8 Stucco siding No
1942 205,000 Membrane Roof 2,900 4 $500- $1000 Deductible 250 3 Vinyl siding yes
1977 125,000 Composition Roof 1,760 3 $2500-$5000 Deductible 480 12 Stucco siding yes
1994 90,000 Tile Roof 1,110 2 $1000-$2500 Deductible 230 7 Brick siding yes
1990 200,000 Asphalt Shingles Roof 2,150 3 > $10,000 Deductible 390 10 Stucco siding No
1985 165,000 Tile Roof 2,200 5 $500 Deductible 60 1 Stucco siding No
1980 290,000 Shingles Roof 3,190 4 $2500-$5000 Deductible 290 3 Wood siding No
1964 180,000 Slate Shingles Roof 1,990 4 $5000 to $10,000 Deductible 290 6 Fiber-Cement Siding No
1943 470,000 Membrane Roof 4,830 5 $2500-$5000 Deductible 650 4 Wood siding No
1997 170,000 Composition Roof 2,420 5 $5000 to $10,000 Deductible 210 5 Brick siding yes
1992 165,000 Shingles Roof 1,910 4 $2500-$5000 Deductible 240 4 Brick siding No
1947 110,000 Composition Roof 1,140 2 $2500-$5000 Deductible 40 1 Brick siding yes
1946 130,000 Wood Shake Roof 1,770 2 $1000-$2500 Deductible 220 5 Fiber-Cement Siding yes
1945 95,000 Wood Shake Roof 1,200 3 $500 Deductible 320 9 Wood siding yes
1998 95,000 Composition Roof 1,250 2 $500- $1000 Deductible 340 10 Vinyl siding yes
1989 295,000 Tile Roof 4,370 5 $500- $1000 Deductible 140 1 Fiber-Cement Siding yes
1995 160,000 Asphalt Shingles Roof 1,950 4 $1000-$2500 Deductible 150 2 Stone Siding yes
1974 125,000 Wood Shake Roof 1,790 4 $1000-$2500 Deductible 200 6 Stone Siding No
1971 370,000 Membrane Roof 4,710 5 $1000-$2500 Deductible 700 5 Vinyl siding No
1992 135,000 Wood Shake Roof 1,470 3 $2500-$5000 Deductible 310 7 Wood siding yes
1944 135,000 Composition Roof 1,450 2 $1000-$2500 Deductible 460 9 Fiber-Cement Siding yes
1983 160,000 Membrane Roof 1,960 5 $5000 to $10,000 Deductible 340 10 Wood siding yes
1981 125,000 Membrane Roof 1,420 3 $2500-$5000 Deductible 30 1 Vinyl siding yes
1978 125,000 Asphalt Shingles Roof 1,740 3 $2500-$5000 Deductible 170 6 Wood siding yes
1955 50,000 Slate Shingles Roof 2,316 4 $1000-$2500 Deductible 30 1 Stucco siding yes

Latest Home Insurance Reviews

National General
I would recommend this company to anyone shopping for home insurance who gets a good quote. For me, and others, the most important part of home insurance is cost.
Farm Bureau
I like farm bureau insurance as a whole. i don't like the current agent in our area because i find him unresponsive to mid-size and small insureds. it always seems like i'm bothering him and that in the end, he doesn't handle my policy in the best manner for me.
State Farm
I would recommend State Farm for the people that actually plan on using their home insurance because of climate change, strong winds, rain, etc.
American Family Insurance
this insurance company is easy to understand and follow. They are a well known company so it's easy to set things up and get questions answered.
Allstate
i would surely recommend this company to everyone as it is very genuine and fare and they are customer oriented
Metlife
I have had Me life Insurance for two years and have had zero issues. I like the coverage that I have for the amount of premium that I pay. I don't think I will be switching companies any time soon.
State Farm
I would recommend them if you want a no-hassle process. Their is an easy claims process and a helpful rep assigned to your area.the downside is that your plan may cost more than comparable ones.
Allstate
They are doing very fine when it comes to insuring home. with Allstate, my home is super insured.
State Farm
I had been with Farmers, but a friend of mine told me her husband was starting a new business and would be a State Farm agent. I wanted to help them get new clients and switched. I was very happy to do it and they appreciated it.
Farm Bureau
The customer service is amazing. My agent, Tim King, is always available when I need to see him. I have went to him about specific questions and he always helps me. It isn't just a job to him either.
Geico
My premium and deductible with my insurance is a lot better than other companies because it is not as high as other companies.
State Farm
I've never had any problems with State Farm. The office I call has always been helpful. My agent is very knowledgeable and helpful in getting me the best coverage possible.
American Family Insurance
We have not had much contact with our insurance agent, but were given advice and assistance with bundling for lower rate which was appreciated.
American Family Insurance
A very good insurance.Quality services are offered.I am very contented.I would recommend this to friends.
Geico
I have had a pretty good experience with Geicos customer service. I have only had 1 issue with my home and Geico was able to fix it within a week. My chimney cap blew off and they replaced it and put one back on.
Farmer's Insurance
I wish they would offer some type of discount for people who've lived in their homes for 20 or more years. even a small discount would be appreciated.
Black Ridge Bank
My insurance company is black ridge bank. i like the insurance agent. his name is erik and he is really nice. the price also was the lowest among all the quotes we got. the coverage was enough although i do not recall if the umbrella policy was as large as the other quotes.
Nationwide
Affordable prices and seems like it would be professional and acceptable if I were to ever need to file a claim
Plummer Insurance
I like the friendly and courteous staff. i like that they know me by the first name when i walk in the door.
Farm Bureau
Around holidays it takes longer to get claims processed because you have to go through the corporate office instead of going through the local office.
Farm Bureau
I am fairly satisfied with my insurance provider as they give me discounts for having my home and auto together. I also own a farm and they are one of the few that provides a farm policy.
Farmer's Insurance
Another insurance company was charging a few hundred dollars more. I switched based on a quote from the Farmers agent. Ended up the closer premium amount to my original company but I have already switched so I will stay with them for a while.
State Farm
The communication is great when I need to speak with them. They have 24-hour service and ability to help you.
Farm Bureau
Farm Bureau has been a good insurance company. The customer service people are friendly and knowledgeable. The rates are fair and the terms are good.
Progressive
The coverage could be cheaper. I mean this would be a dislike for every insurance company, any of them could be cheaper.
Allstate
This is a customer-driven, time-responsive company who seem to feel that it is their responsibility to guide and help us navigate a situation which can be scary.
Geico
I like the premiums and the many discounts they offer, I like the comprehensive, easy-to-use website and its virtual chat feature.
Allstate
There is nothing that I dislike about the company and the services rendered. If you read my above posts, I give Allstate the highest praise. I truly am in good hands.
Allstate
I would Highly recommend Allstate car insurance to anyone. Everyone I know has Allstate Insurance and you just cant go wrong. 5 out of 5 stars!
Farm Bureau
I would recommend this insurance company to anyone that has a farm or owns a home as a good and affordable insurance company to insure with.
Farmer's Insurance
I recommend Farmers due to their easy of use and customer service. However they may not be the cheapest option available.
Metlife
They so far have been the only company that is cheaper and covers our home insurance since we do not have a fire hydrant within so many feet of our house.
Nationwide
Overall, Nationwide seems fine. it is a decent price and similar enough coverage so that I have not shopped around in the last 6 months
State Farm
Overall, I like that the company is there for people to have jobs in a world that demands them after school. I hope they get to keep working there during any kind of work transition in the world as long as they're stable.

How To Make Your Omaha, NE Home Insurance Cheaper

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