How Can I Make My Omaha, NE Home Insurance Cheaper

Gavop tells you how to get the best homeowners insurance in Omaha, NE by getting the correct coverage, picking the right deductible, showing the best agents, comparing the cheapest rates, showing real customer reviews, etc.

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Estimate Appropriate Omaha, NE Home Insurance Coverage Levels | Back to Top

Omaha, 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
S 154 Plz, S 39th Ave, Ave J, Forest Ave, Cinnamon St, S 190th Ave, N 117th Cir, S 150th Plz, S 122nd Ave, N 35th St E $151,500 $130,000 $125,000-$150,000 $94,000 $90,000 $75,000-$100,000
Flavin St, S 63rd St, S 61st Ave, N 111th Ave, Elm Plz, Lamplighter Dr, S 91st Cir, Ruggles Cir, S 1st St, N 121st Plz $290,500 $270,000 $300,000-$350,000 $162,500 $150,000 $125,000-$150,000
Winslow Pl, S 126th Ct, S 198th St, Hunt St, S 119th Plz, Rees St, Fay Blvd, Atkins Plz, Signal Dr, N 134th Cir $222,500 $190,000 $200,000-$250,000 $146,000 $130,000 $125,000-$150,000
S 56th Plz, S 76th St, N 148th Plz, Westover Rd, S 116th Ave, Chapel Hill Dr, N 109th Avenue Cir, Paul St, B Plz, Harvey Oaks Ave $169,500 $140,000 $150,000-$175,000 $194,000 $160,000 $200,000-$250,000
Lake Cunningham Rd, N 143rd Avenue Cir, Nebraska Cir, Patterson Dr, N 168th Avenue Cir, X Cir, 186th St, N Deer Park Blvd, Pilcher Rd, Howard Ln $127,500 $110,000 $125,000-$150,000 $147,500 $130,000 $125,000-$150,000
141st Cir, N 82nd St, Berry Cir, S 111th Plz, S 145th St, N 126th Ct, Benton Blvd, S 149th Cir, Stony Brook Blvd, N 113th Ct $227,000 $200,000 $175,000-$200,000 $154,000 $120,000 $150,000-$175,000
S 167th Cir, Oak Air Cir, S 202nd St, S 129th Plz, Oakbrook Cir, N 147th Cir, Lindbergh Dr, Pepperwood Dr, N 168th Ave, Hillcrest Ct $154,000 $130,000 $150,000-$175,000 $174,000 $160,000 $150,000-$175,000
S 200th Ave, N 148th Plz, Potter Cir, S 191st Ave, N 58th Plaza Cir, S 170th Ave, N 77th Trl, S 99th St, N 154th Cir, S 50th Avenue Cir $153,500 $140,000 $150,000-$175,000 $108,500 $90,000 $100,000-$125,000
Mc Kinley St, Holmes Ave, Erskine Plz, Paxton Ct, S 43rd Ave, S 202nd Ave, Warehouse St, Capitol Ct, S 29th Cir, N 133rd Plz $205,500 $190,000 $175,000-$200,000 $156,000 $130,000 $125,000-$150,000
Barnett St, N 171st St, N 74th Ave, S 140th St, N 87th Trl, Holmes Plz, S 172nd St, S 98th St, Orchard Ave Cir, Mormon Cir $193,500 $180,000 $175,000-$200,000 $180,500 $150,000 $150,000-$175,000

Estimate your Savings with Home Insurance Discounts in Omaha, NE | Back to Top

Type Discount ($) Premium After Discount ($)
Multipolicy Discount -$173 $979
Superior Protection Discount -$115 $1,037
Fire & Security Discount -$104 $1,049
Hail Resistant Roof Discount -$35 $1,118
Newly Constructed Home Discount -$323 $830

Choose your Omaha, NE Home Insurance Coverage for your Specific Claim Requirement | Back to Top

Claim Type Average Claim Cost
General Claims
Water Damage $5,854
Physical Damage $2,488
Hail Damage $4,853
Wind Damage $6,114
Expensive Claims
Fire $44,229
Smoke $16,887

Identify Top Home Insurance Agents near Omaha, NE | Back to Top

Home Insurance Company Omaha, NE Homeowners Insurance Agency Omaha, NE Address Popularity Score Distance from Omaha (miles)
Travelers Silverstone Group 11516 Miracle Hills Dr Ste 100, Omaha, NE, 68154
2.7
Allstate Gregg Young Insurance Services 17750 Burt St, Omaha, NE, 68118
7.8
State Farm Charlotte Beardmore 11507 S 42nd St Ste 104, Bellevue, NE, 68123-6006
9.3
State Farm Bev Higgins 123 S 84th St Ste D, Lincoln, NE, 68510-2641
42.9
Farmers Steve Sladek 13818 U St, Omaha, NE, 68137
6.3
Travelers Blackstone Insurance Group 4951 S 155 St, Omaha, NE, 68137
7.2
Allstate Devan Kennington 2051 N 156th St, Omaha, NE, 68116
6.1
State Farm Jim Sullivan 14543 W Center Rd, Omaha, NE, 68144-3276
5.6
Farmers Ryan Emerson 2201 N 90th St Ste 124, Omaha, NE, 68134
1.1
State Farm Steve Oconnor 5510 Miller Ave, Ralston, NE, 68127-3826
4.3

Compare Rates for Omaha, NE Home Insurance Providers | Back to Top

Compare Quotes from Top Providers and Save now!

Place Typical Home Value Typical Home Insurance Costs 25th Percentile 75th Percentile Potential Savings & Difference between 25th & 75th Percentile
Nebraska $142,400 $1,218 $890 $1,670 $780
Douglas County, NE $155,100 $1,192 $850 $1,700 $850
Omaha, NE $146,500 $1,152 $840 $1,580 $740
Jefferson, NE $232,900 $1,012 $720 $1,400 $680
Plattville, IA $130,000 $806 $560 $1,100 $540
Glenwood, IA $147,700 $722 $520 $1,020 $500
Memphis, NE $76,700 $842 $580 $1,200 $620
James, IA $107,100 $727 $490 $1,000 $510
Thurman, IA $72,500 $578 $400 $800 $400
Malmo, NE $111,400 $1,051 $700 $1,460 $760
Rock Creek, NE $169,700 $1,352 $960 $1,870 $910
Pisgah, IA $56,800 $498 $340 $690 $350
Griswold, IA $78,300 $606 $440 $840 $400

Research Home Insurance Companies Reviews in Omaha, NE Before Buying | Back to Top

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Allstate Home Insurance Reviews

Date: February 24, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
It is a little higher than I would like but the thought of making changes and finding another provider is too much. The time saved is worth what I pay, however, when I move I will change my provider.

Date: February 20, 2019    Age: 20 to 29    Gender: Male    Marital Status: Unmarried

Customer Service
I would rate the customer service a 2. They are non transparent with what goes into the policy and frankly seem like they are trying to rip us off. When we call, they seem rude and non empathetic at all about our concerns.

Date: October 22, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
I have full replacement of my items and of my structure so I feel protected if something were to happen. I also have sewer backup which I never thought of before I switched to Allstate.


Date: September 14, 2018    Age: 40 to 49    Gender: Male    Marital Status: Married

Premium
our premium for how much house we have and the required hurricane coverage is really good. It is not much more than our old house that was about the same value but did not need the hurricane coverage.

Date: September 05, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Communication
I have great interaction with them. This goes back to them having great customer service; they are always on top of everything! I am very pleased with all interactions I have with them.

Date: August 27, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
Many things are covered including all of my appliances and other household items. I am also protected from all natural disasters as well home break ins.


Date: August 03, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Website/App
I like that their app is easy to navigate, although I do not like that it often lags behind. I wish it were a little smoother.

Date: July 30, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
We can always get a hold of them when we need to. They make changes to the policy or add more coverage quickly and accurately. It's not something we do all the time so its pretty easy when we do.

Date: July 24, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Website/App
I have never used the mobile app or the website. The payments are auto sent from my bank system. We call or go see our agent whose office is just down the road.

Date: June 01, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
quick and to the point. they don't try and up sell us when we call and they take care of things quickly.

Date: December 24, 2017    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
The premium is a little expensive, although you do get quality coverage; that is for sure. Other companies are cheaper, but I am not sure they offer the same benefits.

Date: November 19, 2017    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Policy Offerings
Hurricane coverage, everything except a/c unit, appliances, and electronics. The pool cage and roof are covered. The vehicles are covered while in the garage.


Date: November 18, 2017    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
The customer service I have to say is excellent! They are always friendly and that is the case no matter what the nature of my call is. I give them a five stars on customer service without a doubt.

State Farm Home Insurance Reviews

Date: October 15, 2019    Age: 20 to 29    Gender: Female    Marital Status: Unmarried

Premium
I believe I pay the industry average when it comes to premiums and deductible. I like that it is paid with my mortgage every month

Date: September 16, 2019    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
They've been pretty responsive and have given me the best price on my insurance. I'd give them a 3. Sometimes they are not very communicative, but overall they've been helpful.

Date: July 12, 2019    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
I have a deductible of $200 dollars and no premiums to my knowledge.

Date: March 09, 2019    Age: 50 to 59    Gender: Female    Marital Status: Married

Premium
Our premiums with State Farm are much less expensive than with our previous provider. We still have a deductible but that is okay. We also get a discount for bundling our home and auto insurance.

Date: March 07, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
My premium is much lower than I expected based on the previous states in which I had lived. The amount of coverage and liability is satisfactory.

Date: December 30, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
State Farm keeps me informed about my payment deadlines as well as what is covered especially in times of heavy weather conditions

Date: August 25, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Policy Offerings
$50,000 renter's insurance policy. Covers some medical, personal property, and visitor damage. $500 deductible. This would cover any losses sustained in any event except flooding.


Date: August 20, 2018    Age: 40 to 49    Gender: Male    Marital Status: Unmarried

Website/App
State Farm seeks to update their website to better help their clients as technology changes. I can pay online, add or change policies, as well as start a claim through my portal.

Date: August 12, 2018    Age: 20 to 29    Gender: Female    Marital Status: Married

Customer Service
I really like their customer service. I usually talk directly to my local agent's office and his staff is always friendly and available. I never have to wait on the phone, and they reply to my emails quickly.

Date: June 05, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Premium
My insurance is bundled with 2 vehicles and renter's insurance. My premium is about $200 less than other companies have quoted me for the same coverage.

Date: January 13, 2018    Age: 30 to 39    Gender: Male    Marital Status: Married

Communication
State farm communicates with me in a timely manner. I only receive information that is pertinent to me about my policies. All the information I receive is explained thoroughly and I rarely need further explanation.

Black Ridge Bank Home Insurance Reviews

Date: September 21, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Policy Offerings
My personal property is covered by my home policy, along with the house itself and our shed We also have liability coverage


Date: September 04, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
a natural disaster recovery and other cover has been covered with this policy and internal damage grantee also given in this policy


Date: September 01, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Communication
they are too good with interaction with the customer because they have the case details of the customer so they go through that and then starts handling.

Date: August 13, 2018    Age: Above 60    Gender: Female    Marital Status: Married

Website/App
it too good to have the details in the mobile like next payment and last payment details can be viewed and download up to 3 months and dislike is too slow while peak hours.

Date: August 08, 2018    Age: 30 to 39    Gender: Male    Marital Status: Unmarried

Customer Service
I have a dedicated representative that I go to for service on my insurance plan. She is very helpful and quick to respond.

Date: June 11, 2018    Age: 50 to 59    Gender: Male    Marital Status: Married

Website/App
The company does not have a mobile app, which would be nice to have. The website isn't very user-friendly.

Date: June 03, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Premium
I recently switched companies, I went from a $900 premium to $700. I felt this was a good saving for the coverage.

Date: May 07, 2018    Age: Above 60    Gender: Male    Marital Status: Married

Premium
its too high and comparing with other latest insurance policy this could be old and high expensive and the tenure period is high

Date: November 19, 2017    Age: Above 60    Gender: Male    Marital Status: Married

Communication
The interaction between myself and the insurance company is minimal, which is a good thing. The communication experiences I have had have been positive though

Date: November 18, 2017    Age: Above 60    Gender: Female    Marital Status: Unmarried

Customer Service
they are too good and they providing the service as much quality with customer satisfaction. Considering that all are to be good and then they are being good to handle the customer with training.

Progressive Home Insurance Reviews

Date: August 20, 2019    Age: 30 to 39    Gender: Male    Marital Status: Married

Premium
The premium for my insurance is much more affordable than other companies I inquired about, most notably Farmer's. The deductible, at $1000, is also quite reasonable. Overall, the premium is very low.

Date: October 03, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Communication
I haven't had much interaction with Progressive besides emails I receive. I guess I like the fact they re not overbearing.

Date: September 12, 2018    Age: 30 to 39    Gender: Female    Marital Status: Married

Customer Service
I can't say whether I like or dislike them. I haven't had to contact their customer service yet.

Date: August 22, 2018    Age: 40 to 49    Gender: Female    Marital Status: Unmarried

Website/App
I have only used the website so far. I like that it was very easy to use and to navigate around the website.

Date: August 08, 2018    Age: 20 to 29    Gender: Male    Marital Status: Married

Premium
I haven't compared many companies. My only reason is that I knew Progressive would have the best pricing.

Date: August 03, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Policy Offerings
I'm not sure what you are asking? It seems very similar to the last question you asked. My answer is still the same. Dwelling, medical expenses, other structures and loss of use are covered.


Farm Bureau Home Insurance Reviews

Date: July 26, 2019    Age: 20 to 29    Gender: Female    Marital Status: Married

Premium
I honestly do no know if my rates are the best, I just know that my company is there for me when I need them. They have never let me down

Date: December 29, 2018    Age: 30 to 39    Gender: Female    Marital Status: Unmarried

Customer Service
So far my insurance company has been really helpful. A couple of times when things haven't been pain immediately and I wasn't aware there was an issue they have been more than accommodating to assist me and understanding as well. I feel very strongly that I am with a good company because it is the same company my parents have used for so many years. I thankfully have not had to file any insurance claims at this time, but the price is fair, and the payment process is easy without any issues. I also get notified regularly that my payments came through and I am covered which is always reassuring.

The Hartford Home Insurance Reviews

Date: November 20, 2018    Age: 40 to 49    Gender: Female    Marital Status: Married

Policy Offerings
I checked a variety of insurance policies before deciding to change. I had been a long time customer with a national chain with a local office and was not satisfied with the length of time to hear back from this agent.


Farmer's Insurance Home Insurance Reviews

Date: June 08, 2019    Age: 40 to 49    Gender: Unmarried    Marital Status: Female

Customer Service
I have never had to use my home insurance company, but every interaction I have had with the employees has been very nice and I know they will take care of me if anything ever happens.

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