Average homeowners insurance cost in Omaha, NE

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

The average cost of homeowners insurance in Omaha is $4,592 per year (for the coverage level of $300,000 for dwelling, $100,000 for liability protection and $1000 deductible), based on Insure.com’s rate data analysis. It’s $2,010 more than the national average of $2,582.

However, homeowners insurance rates can vary drastically from one home to another. Home insurance rates in Omaha depend on a number of factors, including:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To make sure you are getting the best deal on home insurance, it is important to get quotes from multiple insurers to find the right coverage for your needs. Read this guide to know how much homeowners insurance cost per month in Omaha, home insurance cost for different dwelling coverage, also know which companies offer cheap home insurance in Omaha.

In this guide, we will explain everything from what coverage options are available to which companies have the cheapest rates for homeowners insurance in Omaha.

Key takeaways

In Omaha, homeowners insurance costs $4,592 annually.
Allstate offers the most affordable homeowners insurance in Omaha with an average annual premium of $3,195.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $692 higher.

Average homeowners insurance cost in Omaha per month

According to our rate analysis, homeowners in Omaha pay an average of $383 per month. It’s $16 less than the state average of $399 and $168 more than the national average for home insurance across the United States.

In Omaha, the cost of your homeowners insurance policy depends on the value of your home, location, and the coverage options you select.

Average homeowners insurance cost for a $200,000 house in Omaha

In Omaha, NE, homeowners pay an average of $3,900 annually for a $200,000 house. The amount you pay for home insurance each year depends on factors such as – natural disasters or events within your locality.

Some regions are more at risk for natural disasters, like floods, hurricanes, or tornadoes, implying higher rebuilding rates in these areas are higher, resulting in higher insurance premiums. It’s essential to note that your insurance policy might not cover damages caused by floods or hurricanes. If you reside in an area prone to flooding, consider buying flood insurance.

Average homeowners insurance cost for a $300,000 house in Omaha

According to a rate analysis by Insure.com, homeowners in Omaha pay an average of $4,592 per year for a $300,000 house. These rates are for the coverage limits of $100,000 for liability protection and $1000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $692 more a year for home insurance. It would be best to buy enough insurance to cover the full cost of rebuilding your home.

However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Omaha by Company

Among the carriers analyzed, Allstate is the cheapest homeowners insurance company in Omaha. It’s average annual rate for Omaha homeowners is $3,195. American Family ranks second and State Farm makes it to the third spot with an average annual home insurance rate of $4,217.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Omaha and prepared a list of the cheapest home insurance providers. You can find below the Omaha home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
Allstate	$3,195
American Family	$3,677
Farmers	$4,544
Iowa Farm bureau	$4,953
Farmers Mutual Ins Co of NE	$5,429
Nationwide	$6,999
State Farm	$4,217
USAA*	$3,770

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Omaha for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.