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Best Homeowners Insurance in Omaha, NE

Aug. 26, 2019, 10:32 p.m.

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.

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. 3 News Now may receive compensation from our partners. Learn more.

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EverQuote
Features
  • Quotes from local agents and top insurers
  • Compare the lowest rates
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  • Available in Omaha
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#2
Progressive
Progressive
Features
  • HomeQuote explorer
  • Covers other structures on your property
  • Bundle and save
  • Available in Omaha
Read More
Location
11820 Harrison St.
La Vista, NE 48911
(402) 972-4850
#3
GEICO
GEICO
Features
  • Liability coverage
  • Multi-policy discount
  • Home security discount
  • Available in Omaha
Read More
Location
12240 L St., Ste.105
Omaha, NE 68137
(402) 491-4100
#4
State Farm
State Farm
Features
  • Free online quotes
  • Home inventory tools
  • Weather coverage
  • Available in Omaha
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Location
7601 Pacific St.
Omaha, NE 68114
(402) 590-2020
#5
State Farm Insurance Agent: Rudy Partida
State Farm Insurance Agent: Rudy Partida
Features
  • Online claims reporting
  • Bilingual team
  • 15 years of financial service experience
  • Renters insurance
Read More
Location
639 N. 98th St.
Omaha, NE 68114
(402) 333-5104
#6
State Farm Insurance Agent: Cyrus Jaffery
State Farm Insurance Agent: Cyrus Jaffery
Features
  • Focus on the needs of Omaha families
  • Condo insurance
  • Bilingual team
  • Renters insurance
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Location
3015 N. 90th St. Ste. 3
Omaha, NE 68134
(402) 451-2500
State Farm: Matt Rowe
State Farm: Matt Rowe
Features
  • M-F: 9am - 6pm
  • Closed Sat and Sun
  • mattroweinsurance.com
Location
4845 N. 72nd St.
Omaha, NE 68134
(402) 933-1181
State Farm: Cory Juma
State Farm: Cory Juma
Features
  • M-F: 9am - 5:30pm
  • Closed Sat and Sun
  • coryjuma.com
Location
15665 Harrison St., Ste. K
Omaha, NE 68136
(402) 891-6161
Chastain Otis Insurance
Chastain Otis Insurance
Features
  • M-F: 7am - 4:30pm
  • Closed Sat and Sun
  • chastainotis.com
Location
10822 Old Mill Rd., Ste. 2
Omaha, NE 68154
(402) 397-2500
Farmers: Dustin Ourada
Farmers: Dustin Ourada
Features
  • M-F: 8am - 6pm
  • Closed Sat and Sun
  • agents.farmers.com/ne/omaha/dustin-ourada
Location
2710 S. 114th St.
Omaha, NE 68144
(402) 885-4562
United Insurance Agencies and Affordable Auto Insurance
United Insurance Agencies and Affordable Auto Insurance
Features
  • M-F: 8am - 4:30pm
  • Closed Sat and Sun
  • uiagencies.com
Location
1055 N. 115th St., Ste. 208
Omaha, NE 68154
(402) 492-8020
State Farm: Tyler Peschong
State Farm: Tyler Peschong
Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • givebackomaha.com
Location
920 S. 107th Ave., Ste. 101
Omaha, NE 68114
(402) 391-6100

How to choose homeowners insurance in Omaha

Omaha skyline

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 Dwelling $200,000 Dwelling $400,000 Dwelling $600,000
Dundee-Happy Hollow (68132) $1,668 $2,778 $3,736
Benson (68104) $1,607 $2,677 $3,607
Aksarben (68106) $1,610 $2,675 $3,598
Papillion (68046) $1,438 $2,399 $3,252
Bellevue (68123) $1,492 $2,494 $3,371
Elkhorn (68022) $1,511 $2,511 $3,396
Gretna (68028) $1,573 $2,607 $3,509
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.

Reference the Nebraska Department of Insurance’s document on what to look for in a homeowners insurance policy.

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:

  • Deadbolt locks
  • Smoke alarms
  • Fire extinguishers
  • Sprinkler systems
  • Security systems

Finally, visit the state’s Department of Insurance’s website for more tips on how to save money on homeowners insurance in Nebraska.

Progressive

Progressive

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.

GEICO

GEICO

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.

State Farm

State Farm

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 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

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.

Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.

Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.