Omaha ,NE Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Omaha, NE homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Omaha, NE is $2702. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Omaha, NE. VHome Insurance will help you navigate the world of homeowners insurance coverages in Omaha, NE.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $1,081 |
| $200,000 | $1,837 |
| $300,000 | $2,270 |
| $400,000 | $3,459 |
| $500,000 | $4,350 |
Home insurance costs in Omaha can vary greatly based on location. The frequency of claims in your area can affect the cost of your policy. Simply put, the location of your home can significantly impact your homeowners insurance premium.
| Zipcode | Average Insurance Premium |
|---|---|
| 068104 | $3,462 |
| 68107 | $3,429 |
| 68112 | $3,449 |
| 68108 | $3,427 |
| 68110 | $3,383 |
| 68111 | $3,360 |
| 68102 | $3,854 |
| 68118 | $3,821 |
| 68130 | $3,853 |
| 68135 | $3,753 |
| 68136 | $3,770 |
| 68132 | $3,755 |
| 68116 | $3,729 |
| 68154 | $3,713 |
| 68124 | $3,687 |
| 68123 | $3,666 |
| 68152 | $3,681 |
| 68142 | $3,702 |
| 68114 | $3,638 |
| 68164 | $3,605 |
| 68122 | $3,592 |
| 68134 | $3,545 |
| 68147 | $3,542 |
| 68106 | $3,542 |
| 68117 | $3,475 |
| 68105 | $3,499 |
| 68131 | $3,539 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Omaha, NE, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $2,770 |
| $1000 Deductible | $2,478 |
| $1500 Deductible | $2,337 |
| $2500 Deductible | $2,108 |
| $5000 Deductible | $1,783 |
| 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 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Omaha, NE | 6.0% | 16.3% |
| Ralston | 6.42% | 15.78% |
| Douglas | 6.09% | 14.87% |
| McArdle | 5.09% | 13.29% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Omaha | $143 to $146 |
| Ralston | $143 |
| Douglas | $144 |
| Boys Town | $129 |
| 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 |