How Can I Make My Lincoln, NE Home Insurance Cheaper
Gavop's guide to buying homeowners insurance in Lincoln, NE covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
Compare Quotes from Top Providers and Save now!
Estimate Appropriate Lincoln, NE Home Insurance Coverage Levels | Back to Top
| Lincoln, NE - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| W Treehaven Dr, Eastridge Dr, Schooner Ct, Cherry Hill Blvd, Chaparral Cir, Dogwood Ct, N 100th St, N 89th St, Twin Ridge Rd, W Chanceler Dr | $290,500 | $250,000 | $250,000-$300,000 | $197,500 | $190,000 | $175,000-$200,000 |
| Birmingham Ct, S 85th Pl, Woodsdale Blvd, S 61st St, W Waverly Rd, Bolton Rd, Plum St, Joshua Dr, Sandalwood Dr, Chelsea Ct | $218,000 | $180,000 | $250,000-$300,000 | $100,500 | $90,000 | $75,000-$100,000 |
| N 59th St, W G St, Dale Dr, W Sumner Cir, Raymond Rd, Limestone Rd, Teri Ln, W Gourley St, Devoe Dr, N 76th St | $170,000 | $150,000 | $175,000-$200,000 | $132,500 | $110,000 | $100,000-$125,000 |
| SW 33rd St, 140th, Huddersfield Ct, Line Dr, Tekolste Dr, N Hill Rd, SW 74th St, Dawson Creek Bay, Oldfield St, Wren Cir | $246,500 | $220,000 | $200,000-$250,000 | $183,000 | $150,000 | $150,000-$175,000 |
| Knox Ct, Seth Ct, Sandalwood Dr, Quarter Horse Ln, Conestoga Ave, Bridger Rd, S Hampton Rd, Edwin Ln, S 63rd St, NW 50th St | $190,500 | $170,000 | $150,000-$175,000 | $116,500 | $100,000 | $100,000-$125,000 |
| Herel St, Greenspire Cir, N 66th St, Browning Ct, Applewood Dr, Champlain Ln, Eagle Ridge Rd, SW 17th St, Woodsview St, W Mulberry St | $176,500 | $140,000 | $150,000-$175,000 | $120,000 | $110,000 | $125,000-$150,000 |
| Parkside Ln, Dublin Rd, Phoenix Dr, Applecreek Rd, W Elba St, Allen St, Aspen Canyon Rd, Edward Ct, Jack Pine Ct, Bison Dr | $167,500 | $140,000 | $200,000-$250,000 | $140,500 | $120,000 | $150,000-$175,000 |
| Garden Valley Rd, SW 37th St, Otoe St, Cottontail Cir, S 116th St, Elbert Dr, Upton Grey Ln, Fallbrook Blvd, W Chadderton Cir, Park Dr | $169,500 | $160,000 | $150,000-$175,000 | $128,500 | $120,000 | $100,000-$125,000 |
| Garland Ave, Cross Creek Rd, Garber Ave, NW Fairway Dr, S 94th St, Brittany Pl, Bradfield Dr, N 46th St, N Grand Lake Dr, 5th St | $384,500 | $330,000 | $350,000-$400,000 | $170,000 | $150,000 | $175,000-$200,000 |
| Vale St, Jacobs Creek Dr, W Stagecoach Rd, W Superior Rd, W Switchgrass Rd, Spruce St, Nickols St, Potter St, E 7th St, W Butler St | $183,000 | $160,000 | $200,000-$250,000 | $160,000 | $130,000 | $150,000-$175,000 |
Estimate your Savings with Home Insurance Discounts in Lincoln, NE | Back to Top
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$192 | $1,006 |
| Superior Protection Discount | -$120 | $1,078 |
| Fire & Security Discount | -$84 | $1,114 |
| Hail Resistant Roof Discount | -$24 | $1,174 |
| Newly Constructed Home Discount | -$299 | $898 |
Choose the Right Deductible for your Lincoln, NE Home | Back to Top
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Lancaster County | $1,500 | $1,213 | $2,713 | $881 | $2,381 | $331 |
| Lincoln, NE | $2,500 | $1,183 | $3,683 | $860 | $3,360 | $323 |
| Roca, NE | $500 | $1,189 | $1,689 | $864 | $1,364 | $325 |
| Eagle, NE | $700 | $1,084 | $1,784 | $788 | $1,488 | $296 |
| Crete, NE | $500 | $788 | $1,288 | $573 | $1,073 | $215 |
| Marble, NE | $700 | $1,607 | $2,307 | $1,168 | $1,868 | $439 |
| Mariposa, NE | $100 | $1,169 | $1,269 | $849 | $949 | $319 |
| Millard, NE | $2,500 | $953 | $3,453 | $693 | $3,193 | $260 |
| Plattsmouth, NE | $1,000 | $885 | $1,885 | $643 | $1,643 | $242 |
| Gilmore I, NE | $500 | $1,571 | $2,071 | $1,142 | $1,642 | $429 |
| Omaha, NE | $700 | $1,138 | $1,838 | $827 | $1,527 | $311 |
Identify Top Home Insurance Agents near Lincoln, NE | Back to Top
| Home Insurance Company Lincoln, NE | Homeowners Insurance Agency Lincoln, NE | Address | Popularity Score | Distance from Lincoln (miles) |
|---|---|---|---|---|
| State Farm | Andrea Maleki | 3821 N 167th Ct Ste 125, Omaha, NE, 68116-8069 | 42.6 | |
| State Farm | Michelle Mathison | 2155 E 23rd Ave S, Fremont, NE, 68025-7849 | 45.7 | |
| Travelers | Midwest Regional Agency | 201 S 84th St, Lincoln, NE, 68510 | 3.9 | |
| Liberty Mutual Independent | Watts Insurance Group | 6221 S 58th St 6221 S 58th St, Lincoln, NE, 68516 | 4.6 | |
| Farmers | Scott Edgar | 278 N 115th St, Omaha, NE, 68154 | 43.7 | |
| State Farm | Michelle Boden | 5740 Old Cheney Road, Lincoln, NE, 68516-3586 | 4.3 | |
| State Farm | Tom Demory | 10106 Maple St, Omaha, NE, 68134-5555 | 45.8 | |
| Farmers | Jack Young | 15606 Elm St Ste 100, Omaha, NE, 68130 | 40.0 | |
| State Farm | Vinnie Krikac | 935 Plum St, Lincoln, NE, 68502-2168 | 1.8 | |
| Allstate | Douglas Peterson | 15821 W Dodge Rd Ste 162, Omaha, NE, 68118 | 41.4 |
Compare Rates for Lincoln, NE Home Insurance Providers | Back to Top
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Nebraska | $142,400 | $1,218 | $860 | $1,730 | $870 |
| Lancaster County, NE | $162,900 | $1,228 | $880 | $1,760 | $880 |
| Lincoln, NE | $156,400 | $1,198 | $870 | $1,650 | $780 |
| Roca, NE | $139,300 | $1,203 | $870 | $1,710 | $840 |
| Eagle, NE | $119,600 | $1,097 | $730 | $1,520 | $790 |
| Crete, NE | $94,100 | $798 | $540 | $1,140 | $600 |
| Marble, NE | $235,600 | $1,627 | $1,170 | $2,250 | $1,080 |
| Mariposa, NE | $135,600 | $1,183 | $790 | $1,630 | $840 |
| Millard, NE | $276,600 | $965 | $670 | $1,330 | $660 |
| Plattsmouth, NE | $114,100 | $895 | $640 | $1,240 | $600 |
| Gilmore I, NE | $225,900 | $1,590 | $1,160 | $2,260 | $1,100 |
| Omaha, NE | $146,500 | $1,152 | $780 | $1,650 | $870 |
Research Home Insurance Companies Reviews in Lincoln, NE Before Buying | Back to Top
Share a review on your home insurance company
State Farm Home Insurance Reviews
Date: July 15, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I think that the premium and deductible compared to other companies is fair. They offer competitive prices. I feel that it is fair.
Date: October 15, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Policy Offerings
The insurance i'm using coverage for damage caused by fires, lightning strikes, windstorms and hail. It offers protection from thieves aswell.
Date: October 04, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
It often requires several emails or phone calls to get a response from our current agent. We have discussed keeping business with State Farm but changing agents. Speaking with corporate customer service has always been easy and pleasurable with State Farm.
Date: October 04, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Customer Service
I like State Farm customer service, they seem to be really good to deal with and are very good at helping with any questions I have. They really seem to care about their customers.
Date: October 01, 2018 Age: 30 to 39 Gender: Male Marital Status: Married
Premium
I have not really compared insurance companies to know what the other companies have for premiums. I would think that they are all about the same.
Date: August 27, 2018 Age: 50 to 59 Gender: Male Marital Status: Unmarried
Communication
I have no complaints about my interaction with the State Farm insurance company. They really seem to be a good company to deal with. I think they might have my back.
Date: August 25, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Website/App
The mobile app is hard to make changes/updates on. It isn't clear where to go to update contact info, access coverage info, etc. The website is a little more user-friendly but still requires some searching to find what you need.
Date: August 24, 2018 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
State Farm seems to be really good, I have not had any problems with them at all. They seem to have covered everything that needs to be covered and I have not had any problems with the policy at all.
Date: August 22, 2018 Age: 50 to 59 Gender: Male Marital Status: Married
Policy Offerings
Our policy covers our dwelling and surrounding structures and any specific lost items we have insured inside the home (engagement ring, etc).
Date: May 03, 2018 Age: Above 60 Gender: Male Marital Status: Married
Communication
Speaking with customer service reps is always easy and convenient. I always have a pleasant experience and am able to resolve what I need.
Date: November 25, 2017 Age: 40 to 49 Gender: Male Marital Status: Married
Website/App
I do not really use the website to do any policy business with State Farm. I do not use the mobile app for State Farm at all. So I do not know anything about either of them.
Date: November 19, 2017 Age: 30 to 39 Gender: Female Marital Status: Unmarried
Premium
Our current premium is equal in price to what we found from other insurance companies. The difference is State Farm did not ask what breed of dogs we have living with and other companies did and restricted our breed of dogs.
Black Ridge Bank Home Insurance Reviews
Date: December 31, 2018 Age: 40 to 49 Gender: Male Marital Status: Unmarried
Policy Offerings
I think that my current insurance company offers about the same policies as other similar providers with a few exceptions.
Date: October 04, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Communication
The communication from Black Ridge Bank has always been friendly and they are eager to assist their customers with any inquiries they may have. I have never had any trouble interacting with the company's representatives.
Date: August 30, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried
Premium
While I am not entirely sure about the other home insurance companies, I am satisfied with the premium price and I do not feel as if they overcharge.
Date: July 24, 2018 Age: 20 to 29 Gender: Male Marital Status: Married
Policy Offerings
Fires are covered, stealing and burglery is covered, damage is covered. Flooding and other weather based damage is also covered.
Date: November 19, 2017 Age: 50 to 59 Gender: Male Marital Status: Married
Customer Service
The customer service has always been prompt and helpful over the phone, as well as polite. They are quick to find any information requested of them and will respond to the questions thoroughly. The hold times have also been quite short.
Date: November 19, 2017 Age: 30 to 39 Gender: Male Marital Status: Unmarried
Website/App
Sorry, but we do not use a mobile app nor a website to interact with Black Ridge Bank. We always contact them using the telephone, which has not given us any trouble so far.
Farm Bureau Home Insurance Reviews
Date: October 17, 2019 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
I believe their premiums and deductibles are pretty much along the same lines as other companies I have dealt with in the past, and I have been satisfied with their costs.
Date: September 06, 2019 Age: Above 60 Gender: Male Marital Status: Married
Premium
The premiums I pay are slightly higher than I could get elsewhere, but I am completely satisfied. The added coverage and the outstanding customer service is way more important to me than saving a few bucks on the premium.
Date: December 10, 2018 Age: 30 to 39 Gender: Female Marital Status: Married
Customer Service
I LOVE my insurance company and my agent. He is so knowledgeable and thorough with any questions I may have for him. The company's rates are great, the best in town. (Manchester, Tennessee)
Liberty Mutual Home Insurance Reviews
Date: November 28, 2018 Age: 40 to 49 Gender: Male Marital Status: Married
Premium
My homeowners premium is high, and continues to rise each year despite never filing a claim in 20 years.
Allstate Home Insurance Reviews
Date: March 27, 2019 Age: 30 to 39 Gender: Male Marital Status: Married
Policy Offerings
I believe my roof is covered for about 5 years. That'ts the most important to me. I don't recall the rest of the policy offerings or other companies offering.
Stillwater insurance Group Home Insurance Reviews
Date: February 04, 2019 Age: 40 to 49 Gender: Female Marital Status: Married
Policy Offerings
I think that the offerings I get from my home insurance company are in line with other insurance companies. I don't think that they offer anything I would consider over and above. In fact it feels like there are lots of exclusions.