Omaha Homeowners Insurance

The Zebra
Aug. 26, 2019

Find affordable homeowners insurance in Omaha


Home insurance should be a critical consideration for every homeowner. It covers your dwelling — and the personal property within it — against a variety of perils, including fire, theft, vandalism, or wind damage. Incidents like this occur frequently. When paired with the high cost of repairing or rebuilding a house, investing in homeowners coverage can seem like a great move.

The price of a homeowners insurance policy is dependent on a number of factors. These include the following: dwelling value, value of your personal belongings, and the cost of the materials used to build your home. The location of your home can also play a large role in home much you pay for homeowners insurance. Some areas are more susceptible to perils like fire, hail, frozen pipes, volcanoes, or other hazards. These can make your insurance policy even more expensive. Find out more info about the specifics of home insurance coverage.

Finding the cheapest home insurance in Omaha starts with shopping around and comparing policies. Take a look at the summary below showing average homeowners insurance premiums in Omaha to begin your homeowners insurance search with as much information as possible. It's important to remember that the cost of your homeowners insurance is often based on the coverage limits you choose as well as a variety of other factors.


Omaha, Nebraska, homeowners insurance:
  1. Rates by company
  2. Rates by coverage level
  3. Rates by ZIP code
  4. Insurance bundle discounts

Home insurance in Omaha by insurance company

What you pay for homeowners insurance in Omaha will depend on the insurance company you get your policy through. Farmers offers the most affordable home insurance in Omaha, at just $2,364 per year. This compares favorably to the city’s average homeowners premium of $3,228.

To get started with your homeowners insurance policy search, take a look at this list of the cheapest companies in Omaha, Nebraska.


AFFORDABLE HOME INSURANCE COMPANIES IN OMAHA
CompanyAverage Annual Rate
Farmers$2,364
American Family$2,733
Allstate$2,839
Farm Bureau$3,448
State Farm$702

Average homeowners insurance costs in Omaha by coverage level

The level of homeowners coverage you select has an impact on your insurance rates. Homeowners in Omaha who carry $200K in dwelling coverage pay an average of $2,310 per year, while those with coverage up to $400K pay around $4,049 per year.


HOMEOWNERS INSURANCE RATES IN OMAHA — POPULAR COVERAGE LIMITS
Coverage LevelAverage Annual Rate
$200K Dwelling$2,310
$400K Dwelling$4,049

Speak with a homeowners insurance expert

Omaha home insurance prices by ZIP code

Depending on the part of Omaha you live in, you might see a dramatic difference in your home insurance costs. One of the factors that insurers use when pricing your insurance policy is the number of claims filed in your surrounding area. As such, your neighborhood's location can drastically impact your home insurance rates.

The cheapest home insurance rates in Omaha are available in 68138. In 68138, the typical home insurance policy costs $2,899 per year — $329 less than the citywide average in Omaha. Find the best places to live in Omaha for cheap home insurance by looking at the table below.


AFFORDABLE AREAS FOR HOMEOWNERS INSURANCE IN OMAHA
ZIP CodeAverage Annual Home Insurance Rate
68138$2,899
68136$2,926
68135$3,062

Other areas of Omaha, it should be noted, face homeowners rates that surpass the city average . Crime rates, fire risk, and even your proximity to emergency services could lead insurance companies to see certain neighborhoods as higher risk, which could drive up area rates. The most expensive ZIP code for homeowners insurance in Omaha is 68182, where the average annual rate is $3,721.


EXPENSIVE AREAS FOR HOMEOWNERS INSURANCE IN OMAHA
ZIP CodeAverage Annual Home Insurance Rate
68182$3,721
68198$3,692
68178$3,570

Money-saving tip for home and auto insurance in Omaha: bundling

If you’re looking for savings on your overall insurance costs, consider purchasing your home and auto policies from the same insurance company. Bundling homeowners and auto insurance can be a good money-saving option. By bundling your policies, Omaha homeowners could see annual savings of 15% on average.


CHEAPEST AUTO INSURANCE RATES WITH HOME BUNDLE IN OMAHA
CompanyAvg. Annual Auto Insurance Rate (Bundle)
American Family$885
Iowa Farm Bureau$919
Nationwide$984
Farmers$1,064
Progressive$1,135

It's definitely worth considering bundling both your auto and home policies as a potential way of saving money. Call 855-493-9728 to speak with an insurance expert today.


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