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68304 Homeowners Insurance Quotes & Coverage Options

If you are looking to lower the cost of your homeowners insurance policy you have come to the right place. We have helped thousands of shoppers in 68304 zip code find a great new policy that offers the coverage they need at a price they can afford.

GetHomeInsuranceQuotes.com makes shopping for a new policy in Alvo, NE quick and easy. Our rates are super competitive and our agents can advise you on what coverages you need in 68304.

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If you are ready to start shopping for a great policy simply click the "Get Multiple Quotes Now" button, enter 68304 and start shopping.

Quickly and Easily Compare Average Rates for 68304

You can easily compare rates for your home in ZIP starting an online quoting application to "get quotes". Or search additional Alvo, NE home insurance quotes in your local city and review the most competitive coverages and premiums.

Average Policy Rates in 68304

Homeowners in Alvo are paying roughly $1137 per year for a homeowners policy. We can help you shave up to 40 percent off of your current homeowners premium. Get started now and shop up to 12 insurance quotes from nationwide insurers right now.

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68304 Home Insurance Average Premiums

Local 68304 homeowners insurance quotes comparison

$887 /yr.

Shows Zip Code: 68304 lowest rates with discounts applied on average.

For the 68304, 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)
$887 /yr.
Average Coverage:$1137 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1437 /yr.

What is the average home insurance cost for a home in 68304?

  • • The average homeowners insurance premium paid annually for a home in 68304 is around $1137 per year.

What does it cost on average per month for home insurance in 68304?

  • • Homeowners in 68304 pay a monthly average cost per month around $95.00.

What kind of discount could I get if I combine my home and auto insurance together in 68304?

  • • Autoowners in 68304 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 Alvo area, check out other zip codes nearby 68304.
Review average rates in another zip code:
68304 homeowners insurance rates

Home Replacement Cost Coverage in 68304

Average Building Cost Per Square Foot in 68304: $140

Location: Alvo, Nebraska (Cass County)

Average Square Footage in 68304: 1,894 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 68304 before you start any project. Alvo 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 68304 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 68304 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,894 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 Alvo 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$1401,894$265,200
Additional Upgrades & Added Features$1751,894$331,500
Major Home Updates or Advancements$2101,894$397,800

It's important to understand that when you estimate your replacement cost of your home in the 68304 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 68304

Best Home & Auto Insurance Agencies in 68304

Housing Demographics for 68304

Population Review for 68304 Zip Code

For the city of Alvo, the population within 68304 has increased to over 372 residents in population size. The current population total is 329. We have broken down the population based on race below. In 68304, there are over 169 in male population and 160 females.

PopulationValues
Total Population329
White Population299
Black Population0
Hispanic Population5
Asian Population1
Hawaiian Population0
Indian Population10
Other Population6
Male Population169
Female Population160
Population Estimate372

Household Data for 68304

The average number of homes in 68304 is around 127, there are an average of 2.59 per household. The average house value according to local real estate values is around $265,200. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode127
Persons Per Household2.59
Average House Value$265,200
Income Per Household$75313
Median Age39.1
Median Age Male39.2
Median Age Female38.7
68304 DetailsValues
StateNE
State Full NameNebraska
City TypeN
City Alias Abbreviation
Area Code402
CityAlvo
City Alias NameALVO
CountyCass
County FIPS025
State FIPS31
Time Zone6
Day Light SavingY
MSA5920
PMSA
CSA420
CBSA36540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameOmaha, NE-IA
MSA_NameOmaha, NE-IA MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses9
Number Of Employees27
Business First Quarter Payroll201
Business Annual Payroll1055
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population865350
CBSA Division Population0
Congressional District01
Congressional LandArea8879.02
Delivery Residential144
Delivery Business0
Delivery Total144
Preferred Last Line Key018513
Classification Code
Multi-County
CSA NameOmaha-Fremont, NE-IA
CBSA_DIV_Name
City State Key018513
Land Area24.786000
Water Area0.020000
City Alias Code
City Mixed CaseAlvo
City Alias Mixed CaseAlvo
Box Count0
SFDU144
MFDU0
State ANSI31
County ANSI025
ZIP Intro
Alias Intro
Facility CodeN
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number302760
Unique ZIP Name
SSA State County Code28120
Medicare CBSA Code36540
Medicare CBSA NameOmaha-Council Bluffs, NE-IA
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseCass

Nebraska Homeowners Insurance News & Information

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]

  • Do homeowners insurance policies have loopholes? Posted on Monday 30th December, 2024

    Homeowners insurance is a necessity to help protect your home, but there can be coverage gaps that you may not be aware of which can leave you unprotected. Flood and earthquake damage along with mold and other issues are excluded from most standard homeowners insurance policies.  Here are some common exclusions that could leave you […]

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]