To protect your largest investment, it’s important to choose the right insurance. Home insurance helps keep your family safe and protects against property damage from Nebraska’s severe weather. Our partners at ConsumerAffairs researched the best homeowners insurance in Omaha to help you understand the factors that affect the cost of coverage.
United Insurance Agencies and Affordable Auto Insurance
M-F: 8am - 4:30pm
Closed Sat and Sun
1055 N. 115th St., Ste. 208
Omaha, NE 68154
State Farm: Tyler Peschong
M-F: 9am - 5pm
Closed Sat and Sun
920 S. 107th Ave., Ste. 101
Omaha, NE 68114
How to choose homeowners insurance in Omaha
The cost of home insurance in Nebraska is already 13 percent higher than the national average of $1,083. And if you live in Omaha, the average cost is $1,557 for $200,000 worth of dwelling coverage, or 44 percent higher than the national average. Omaha has higher home insurance rates because of the city’s exposure to severe weather and crime. Homes in suburban areas like Bellevue (68123) and Papillion (85225) have lower insurance rates because of their low crime rates.
Average home insurance rates in Omaha
Neighborhoods & suburbs
Dundee-Happy Hollow (68132)
Note: Based on the dwelling coverage above with a constant $1,000 deductible and $100,000 liability.
The median home value in Omaha is $170,800 so the cost of homeowners insurance is usually lower than the prices listed above for $200,000 worth of coverage.
The year of construction is considered when factoring your homeowners insurance rate. According to neighborhoodscout.com, almost 80 percent of Omaha homes were built in the last 80 years. Older homes, including those in Dundee-Happy Hollow and Aksarben may have higher insurance rates.
Damage from weather events and homeowners insurance
Severe weather strikes Nebraska in the form of hail, thunderstorm winds, occasional tornados and periodic flooding. Hail is one of the biggest causes of home damage. In 2017, Nebraska had 420 hail events of one inch or larger, according to the National Weather Service, and is one of the top five states to experience major hail events, especially in spring and summer.
Homeowners insurance isn’t a requirement in Nebraska; however, if you have a mortgage, your lender requires it. Make sure your policy covers all hazards that your mortgage lender requires. Wind and hail are covered by a homeowners insurance policy, but Omaha homeowners should pay close attention to exclusions to wind and hail that are listed on their policy.
Flood insurance must be purchased separately. Homeowners living near rivers and lakes are at higher risk when heavy rains saturate the ground. Learn more from the National Flood Insurance Program.
Discounts for home insurance in Omaha
Bundling home and car insurance with the same company can save on the overall cost. Discounts for safety features may be available as well. Ask if your insurance provider if they offer discounts for:
Finally, visit the state’s Department of Insurance’s website for more tips on how to save money on homeowners insurance in Nebraska.
Progressive is a nationwide insurance company that offers homeowners insurance that can be purchased separately or bundled with auto insurance for people living in Omaha. Discounts are available for those buying a new home. Progressive also offers a discount for a home security system, fire sprinklers and paying your annual premium in advance.
As a nationwide insurance company, GEICO offers multiple homeowners insurance policies and discounts for bundling home and auto as well as for smoke detectors and fire extinguishers. With a mobile app and multiple ways to contact customer service or claim support, GEICO makes it easy to find and manage your home insurance.
With more than 40 State Farm insurance agents in Omaha, it’s easy to get a quote on homeowners insurance from this nationwide company. Use State Farm’s online educational materials for tips on understanding your policy, how to take care of your home and keeping an online inventory of covered possessions with the Home Index Tool. Homeowners receive discounts for a home security system, impact-resistant roofing and higher deductibles.
State Farm Insurance Agent: Rudy Partida
State Farm agent Rudy Partida has 15 years of financial service experience and also offers car, life and business insurance. Satisfied customers love the customer service and knowledgeable staff on Rudy’s bilingual team. They also appreciate the savings from bundling home and auto insurance.
State Farm Insurance Agent: Cyrus Jaffery
Local State Farm agent Cyrus Jaffery writes policies for car, home, life and business insurance. He and his bilingual team put the insurance needs of their Omaha customers first. Online reviews say they like how the staff takes time to review policies and answer questions.