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Compare 68038 Home Insurance Rates Today!

Compare multiple home insurance rates for your home in Lyons just got easier with the quick quoting system provided by GetHomeInsuranceQuotes.com. We make it easier for you and your 585 neighbors looking to save on their home insurance policy in the local 68038 zip code area. Our process is very simple, easy to use and hassle free. We help you shop and compare competitive rates for your home in 68038. So how do we provide affordable home insurance quotes? We use your home details from our online quoting application to compare the best Nebraska rates and coverage options with over 12 major carriers. Then we evaluate the best coverage and apply all the discounts and credits to help you save an additional 40%. We do all of this and more and our service online or over the phone is free. Let us help you compare your Lyons, NE home insurance rates today!

For more information about homeowners insurance, like average home insurance rates, coverage options or home insurance types, please select Home Insurance Rates in Lyons, NE

68038 Home Insurance Average Premiums

Local 68038 homeowners insurance quotes comparison

$930 /yr.

Shows Zip Code: 68038 lowest rates with discounts applied on average.

For the 68038, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$930 /yr.
Average Coverage:$1180 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1480 /yr.

What is the average home insurance cost for a home in 68038?

  • • The average homeowners insurance premium paid annually for a home in 68038 is around $1180 per year.

What does it cost on average per month for home insurance in 68038?

  • • Homeowners in 68038 pay a monthly average cost per month around $98.00.

What kind of discount could I get if I combine my home and auto insurance together in 68038?

  • • Autoowners in 68038 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Lyons area, check out other zip codes nearby 68038.
Review average rates in another zip code:
68038 homeowners insurance rates

Home Replacement Cost Coverage in 68038

Average Building Cost Per Square Foot in 68038: $140

Location: Lyons, Nebraska (Burt County)

Average Square Footage in 68038: 684 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 68038 before you start any project. Lyons homeowners pay on average around $140 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 68038 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 68038 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 684 sq. ft. and the average cost to rebuild the home in this area is around $140 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Lyons area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$140684$95,800
Additional Upgrades & Added Features$175684$119,750
Major Home Updates or Advancements$210684$143,700

It's important to understand that when you estimate your replacement cost of your home in the 68038 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 68038

Best Home & Auto Insurance Agencies in 68038

Housing Demographics for 68038

Population Review for 68038 Zip Code

For the city of Lyons, the population within 68038 has increased to over 855 residents in population size. The current population total is 1,321. We have broken down the population based on race below. In 68038, there are over 658 in male population and 663 females.

PopulationValues
Total Population1,321
White Population1217
Black Population3
Hispanic Population66
Asian Population6
Hawaiian Population7
Indian Population7
Other Population29
Male Population658
Female Population663
Population Estimate855

Household Data for 68038

The average number of homes in 68038 is around 585, there are an average of 2.25 per household. The average house value according to local real estate values is around $95,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode585
Persons Per Household2.25
Average House Value$95,800
Income Per Household$44012
Median Age48.0
Median Age Male46.6
Median Age Female49.2
68038 DetailsValues
StateNE
State Full NameNebraska
City TypeP
City Alias Abbreviation
Area Code402
CityLyons
City Alias NameLYONS
CountyBurt
County FIPS021
State FIPS31
Time Zone6
Day Light SavingY
MSA
PMSA
CSA
CBSA
CBSA_DIV
CBSA_Type
CBSA_Name
MSA_Name
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses36
Number Of Employees154
Business First Quarter Payroll1512
Business Annual Payroll6707
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population0
CBSA Division Population0
Congressional District01|03
Congressional LandArea8879.02|67435.41
Delivery Residential380
Delivery Business12
Delivery Total796
Preferred Last Line KeyW19963
Classification Code
Multi-CountyY
CSA Name
CBSA_DIV_Name
City State KeyW19963
Land Area105.586000
Water Area0.642000
City Alias Code
City Mixed CaseLyons
City Alias Mixed CaseLyons
Box Count233
SFDU320
MFDU34
State ANSI31
County ANSI021
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number305400
Unique ZIP Name
SSA State County Code28100
Medicare CBSA Code99928
Medicare CBSA NameRural Areas in NE
Medicare CBSA TypeMicro
Market Rating Area ID1
County Mixed CaseBurt

Nebraska Homeowners Insurance News & Information

  • 2025 Spring Cleaning Insurance Tips for Homeowners Posted on Monday 31st March, 2025

    Spring is here, the days are getting longer, the weather is warming up and the trees are starting to bud. All of this makes it a great time for homeowners to knock out some spring cleaning and home maintenance.  We thought it might be a good idea to look at some spring cleaning and maintenance […]

  • Homeowners Now Use This Strategy To Save Money on Home Insurance. Is It a Good Idea? Posted on Wednesday 26th March, 2025

    According to a new Market Watch article, homeowners who are struggling with the cost of higher homeowner insurance premiums are making the move to policies with higher deductibles to help lower their costs. While this strategy may work for some, it is not the best idea for everyone.  Data from the Intercontinental Exchange (ICE) showed […]

  • Florida Homeowners With Insurance Are Struggling to Get Claims Paid – Why? Posted on Wednesday 19th March, 2025

    According to a recent Moneywise article, homeowners with insurance coverage in Florida are struggling to get claims paid.  Chad Zalva, a single dad in Riverview, Florida, was cited as an example in the article as a homeowner who is carrying homeowners insurance but was recently surprised to learn that the damage to his home from […]