Omaha, NE Home Insurance - Analysis On Quotes, Rates & Agents

Omaha, NE Insurance Rates:

The average cost of home insurance in Omaha, NE is $1239. vHome analyzed multiple home insurance quotes in Omaha, NE to narrow down the list of the cheapest insurance companies in Omaha, NE. vHome stresses the importance of comparing quotes from multiple companies to narrow down the best one that suits the consumer’s needs. Enter your Zip Code in the below banner to get instant home insurance quotes.

Compare Quotes from Top Providers and Save now!



Average Home Insurance Premium in Omaha, NE

National Average Premium State Average Premium Omaha Average Premium
$1,438 $1,218 $1,239

Top Home Insurance Companies in Omaha, NE | Back to Top

vHome Insurance has compiled a list of home insurance companies providing the best home insurance rates. The companies are as follows.

Company Name Coverage $70,000 Coverage $150,000 Coverage $200,000 Coverage $350,000
Farmers $1,066 $1,279 $1,663 $2,295
American Family $3,201 $3,841 $4,994 $6,891
State Farm $2,957 $3,548 $4,613 $6,365
Travelers $2,848 $3,417 $4,442 $6,130

Omaha, NE Homeowners Insurance for Different Coverages | Back to Top

Coverage Type Home Insurance Cost($)
$100,000 To $124,999 843.33
$150,000 To $174,999 1,310.59
$175,000 To $199,999 1,424.26
$200,000 To $249,999 1,680.04
$250,000 To $299,999 2,476.14
$300,000 To $399,999 3,339.99
$400,000 To $499,999 4,138.98
$500,000 To $749,999 5,297.89
$750,000 To $999,999 6,125.69
$1000,000 To $1499,999 6,746.54
$1500,000 To $2000,000 7,243.21

Visual Guide for Omaha, NE Home Insurance Buyers on Insurance Companies and Rates

Top Home Insurance Agents Near Omaha, NE | Back to Top

Home Insurance Company Near Omaha, NE Homeowners Insurance Agency Near Omaha, NE Address
State Farm Doug Geyer 11923 Pacific Street, Omaha, NE, 68154-3468
State Farm Ej Leinen 513 Court St, Harlan, IA, 51537-1439

List of Omaha, NE Home Insurance Agents by Companies


Omaha, NE Homeowners Insurance Rates Based on Claims Filed | Back to Top

Homeowners in Omaha, NE with no claims filed get a discount of $161.07, whereas homeowners with one claim have to file an additional home insurance rate of $62 while homeowners with 2 claims have to pay an additional $173 for their home insurance premium.

Type of Claim Homeowners Insurance Cost Increase/Decrease($) Homeowners Insurance Cost($)
No Claim Discount -161 1,078
One Claim +62 1,301
Two Claim +173 1,412


Omaha, NE Homeowners Insurance by Zip Code | Back to Top

Zip Code Median Home Value($) Home Insurance Cost($)
68104 98,000 1,165
68107 90,900 1,202
68112 90,300 1,189
68108 77,900 1,152
68110 65,000 1,202
68111 61,400 1,177
68102 257,200 1,171
68118 230,800 1,255
68130 226,400 1,254
68135 208,900 1,254
68136 201,000 1,255
68132 200,700 1,171
68116 200,100 1,152
68154 184,600 1,165
68124 164,600 1,171
68123 163,800 1,189
68152 161,800 1,255
68142 160,500 1,177
68114 159,500 1,177
68164 144,300 1,171
68122 140,300 1,171
68134 129,500 1,202
68147 129,300 1,171
68106 122,300 1,189
68117 111,800 1,165
68105 109,500 1,152
68131 100,800 1,202

Factors Affecting Home Insurance Premiums in Omaha, NE

The average cost of homeowners insurance in Omaha, NE is $1239. Various factors could help homeowners lower their home insurance premiums. vHome Insurance lists the factors that could help homeowners reduce their home insurance costs.

Omaha, NE Home Insurance Premium Based on the Number of Bedrooms | Back to Top

Bedroom Size Average Homeowners Insurance Cost($)
2 Bedroom 1,068
3 Bedroom 1,678
4 Bedroom 2,440
5 Bedroom 3,431

Omaha, NE Home Insurance Premiums for Different Deductibles | Back to Top

Homeowners with a deductible of $500 pay a much higher amount on their home insurance premium, while homeowners who pay a deductible of $2500 pay a much lower amount on their home insurance premium as seen in the table below.

Deductible Type Average Homeowners Insurance Cost($)
$500 Deductible 1,224
$1000 Deductible 1,107
$1500 Deductible 1,042
$2000 Deductible 946
$2500 Deductible 890

Omaha, NE Homeowners Insurance Premium Based on the Age of the Home | Back to Top

Homeowners in Omaha, NE pay a much lower home insurance rate if their homes are newly constructed. Homeowners with homes that are older than 50 years pay a much higher rate on their home insurance premium as seen in the table below.

Home Age Homeowners Insurance Cost($)
Newly Constructed Home 904
Year 30 Old 1,258
Year 40 Old 1,271
Year 50 Old 1,286
Above Year 50 1,298

Omaha, NE Homeowners Insurance Cost Based on the Construction Type of the Home | Back to Top

Construction Type Home Insurance Cost Savings($) Home Insurance Cost($)
Fire Resistive 136 1,103
Masonry 62 1,177
Brick 62 1,177
Superior 112 1,127
Hail Resistant Roof 37 1,202

Top Saving Tips on Omaha, NE Homeowners Insurance | Back to Top

Homes built using sturdy materials, which are highly resistant to damage, receive substantial discounts on homeowners’ insurance. Omaha, NE homeowners can also bundle their home insurance policy with auto insurance to receive more discounts. Apart from this, home insurance companies tend to provide discounts to homes equipped with security features that make them less prone to burglaries. Senior citizens residing in households earn a considerable amount of discounts on homeowners insurance.

The tables below contain the complete list of discounts that Omaha, NE homeowners can take advantage of to increase their savings.

Omaha, NE Auto & Homeowners Insurance Bundling Discounts and Senior Citizen Discounts

Discount Type Home Insurance Cost Savings($) Home Insurance Cost($)
Bundle Discount 186 1,053
Retiree Discount (Senior Citizen Discount) 173 1,412
Newly Constructed Home 335 904

Omaha, NE Home Insurance Discounts for Home Safety Devices | Back to Top

Home Safety Devices Home Insurance Cost Savings($) Home Insurance Cost($)
Deadbolts 136 1,103
Fire Extinguishers 112 1,127
Smoke Detectors 112 1,127
Sprinkler System 161 1,078
Fire Alarm 87 1,152
Burglar Alarm 112 1,127
Lightning Protection 37 1,202

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.